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Therapeutic Riding
Program
Equine
Assisted Therapy |
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The
Equestrian Group Therapeutic Riding Policy is custom designed to meet
the unique insurance needs of your Equine Assisted Riding Program.
Written through an A+ rated national insurance company this
comprehensive package offers both flexibility and broad protection at
extremely competitive prices
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Program Highlights
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A+ rated national insurance company |
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Liability coverage territory throughout the United States &
Canada |
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Monthly, Quarterly & Semi-Annual Payment Plans |
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Employees, Volunteers & Premises Owners named additional
insureds |
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Clinics, Shows & Special Events included |
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Personal Injury & Advertising Liability Included |
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Can
be written with Commercial Equine Farm/Ranch Package |
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Care, Custody & Control coverage for non-owned horses |
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$6,000,000 Limits Available |
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Credits for EAP certification |
Call
800-874-9191 or
email us
for a no obligation insurance quote today.
We
can often give you a quote right on the phone while you wait!
You can also download our
Therapeutic Riding Application
in Adobe to save time.
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Types of
disabilities and conditions
- Abuse Issues
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Amputee
- Attention Deficit Disorder
- Autism
- Brain Injuries
- Cardiovascular Accident/Stroke
- Cerebral Palsy
- Chemical Abuse
- Down Syndrome
- Eating Disorders
- Emotional Disabilities
- Hearing Impairments
- Learning Disabilities
- Mental Retardation
- Multiple Sclerosis
- Muscular Dystrophy
- Post Polio Speech Impairments
- Spina Bifida
- Spinal Cord Injuries
- Visual Impairments
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Therapeutic riding is an emerging field in which horses are used as a
tool for physical therapy, emotional growth and learning. Many riders
experience a connection to the horse that few sports can create. For those
riders who cannot walk, the horse is their vehicle of transport. Not only does
this help raise their self-esteem but it also teaches them essential skills. It
improves balance, creates trust and creates a friendship between rider and
horse.
The benefits of horseback riding are as numerous as the types of disabilities
and conditions served. Research shows that students who participate in
therapeutic riding can experience physical, emotional and mental rewards.
Because horseback riding gently and rhythmically moves the rider's body in a
manner similar to a human gait, riders with physical disabilities often show
improvement in flexibility, balance and muscle strength.
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For individuals with mental or emotional disabilities, the unique
relationship formed with the horse can lead to increased confidence, patience
and self-esteem. The sense of independence found on horseback benefits all who
ride. The therapeutic qualities of horseback riding are recognized by many
medical professionals, including the American Physical Therapy Association and
the American Occupational Therapy Association.
Individuals of all ages, with a wide range of physical, cognitive and/or
emotional disabilities benefit from therapeutic horseback riding and other
equine activities. |
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Also see
Commercial Equine Liability for
additional policy information
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General Underwriting Guidelines
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Therapeutic
riding application and questionnaire must be completed in its
entirety and all attachments and required documents must be included
with the original submission for consideration. Omission of any
part without explanation will not be considered until all parts are
included.
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A minimum of two years experience in handicapped or therapeutic operations for
the equine instructor is required. The individual may have gained
the experience from this operation or from working at a previous
operation.
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Personnel with
past history of violence or criminal behavior or conviction are not
acceptable for this program. All personnel will need a complete
background history on file with the facility.
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Minimum of two
years experience for all horses either in past
handicapped/therapeutic operations or as a school horse used in a
daily lesson program. They cannot have exhibited any prior violent
or aggressive behavior or contributed to an accident or claim. Some
breeds may not be suitable if less than 5 years old.
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Participants
must be two years of age or older to participate in any hippotherapy
program and 4 years or older to participate in any other program.
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A ratio of 1:3
staff to participant is a requirement for hippotherapy operations
and a 1:5 staff to participant ratio requirement for all other
therapies/lessons. Some risks may vary from this ratio and need to
be fully explained for consideration.
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Participants
with a past history of violence or criminal behavior or conviction
are not acceptable for this program.
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Professionals &
Independent contractors must provide proof of insurance with a
minimum of $1,000,000 CSL liability.
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Three-year loss
history must be submitted with the application. Coverage cannot be
bound without the past history. Hard copy loss runs must be
included if there was a prior carrier.
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Application/questionnaire must be signed by the applicant. A faxed
signature will be acceptable.
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An inspection of
the premises may be requested by the underwriter.
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Risks with
vaulting exposures are not acceptable.
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Equestrian
Therapeutic Associations:
OK Corral Series - Equine
Assisted Psychotherapy
Equine Assisted Growth and Learning Association
North American Riding for the Handicapped Association
American Hippotherapy Association
Therapeutic Adventure Professional Group
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