Why Have Liability Insurance for Horses?
If you own, take care of, or just regularly ride horses, you should consider liability insurance coverage for your activities. Why? Because horses carry risks of injury beyond those normally created by life in modern society. This extra risk creates a potential for lawsuits against you brought by persons injured by horses when the injury can be attributed to your fault. If you ride a bicycle or roller blade, those activities probably do not create any significant additional risk of injury to others. But horses are not bicycles or skates–they are more beautiful, noble, exciting, and dangerous. You will want to protect your hard-earned assets from being taken from you to compensate another for an injury inflicted by your horse activities. In addition to the financial argument for having liability insurance for your horse activities, consider this moral argument. If by your negligence you injure another person through your horse activities, you should feel morally obligated to do everyth
