Pony Ride Insurance & Petting Zoo Insurance
Pony Ride Insurance
Petting Zoo Insurance
By: Allen Financial Insurance
Do you need horse liability insurance? If you operate a pony ride or petting zoo business or conduct any kind of business related equine activity you need a Pony Ride liability insurance policy.
Equine Commercial liability insurance pays the damages for liability imposed upon you or your business by the law. It also pays the cost of defending you when a claim is made against your policy.
Coverage is written on an occurrence basis (not claims made) through a domestic, A rated insurance company and tailored to fit your specific stable operations and budget.
Pony Ride Insurance
Pony Rides have unique exposures that turn many insurance companies away from offering coverage options and insurance programs. We’ve developed a few target insurance programs specifically tailored for Pony Rides.
Pony Rides can bring enormous amounts of joy to children and many professional equestrians may have had their first equine experience on a pony ride. Even a pony you know is calm and reliable can be spooked by a stray balloon or a sudden music blast through a speaker system. If your rider falls off as a result and injures themselves, you could be held responsible.
Beginning & Novice Riders
Offering pony rides at a local fair, or a birthday celebration either way you’re responsible for the welfare of your riders and those around your ponies. Those taking part may not be as aware of the risks of falling off a horse or understand how unpredictable ponies can be.
Losing The Rein?
If you are proven to have been negligent after an accident, for example if one of your riders falls or a member of the public is knocked down by a bolting pony, you could be held liable for a large sum in litigation and compensation expenses.
Petting Zoo Insurance
Everyone loves a petting zoo, but there are risks that you need to protect yourself from by using insurance. A child could fall off a pony and have their arm broken, an animal could accidently ingest someone’s wedding ring while they are feeding them, someone could be injured on a wagon wide, someone could steal the cash from your admission’s stand. All of these incidents means financial loss for your business and in drastic cases could put your petting zoo out of business.
Petting zoo insurance can however protect you from major financial losses as long as you have the appropriate coverage.
Exclusive Petting Zoo Insurance
Many individuals who own animals decide to open up a petting zoo. They either have a mobile petting zoo which they take to people’s homes or events and there are those who just use their own backyard. These types of petting zoos will need different insurance coverage than a farm which has a petting zoo.
It is tempting for many to not purchase insurance but there are very good reasons why NOT buying insurance could be bad:
Pony Ride Insurance & Petting Zoo Insurance Policy Information
|Occurrence||$100,000 – $1,000,000|
|General Aggregate||$200,000 – $2,000,000|
|Aggregate Products/Operations||$200,000 – $2,000,000|
|Personal Injury /
|Fire Legal Liability||$100,000|
Equine Liability Laws may help you provide a defense in the event of an equine incident but they will not prevent you from being sued. Homeowners and standard Farmowners policies exclude commercial equine activities. Without adequate liability coverage you will have to pay damages and defense costs yourself. If these damages and costs are high enough you may suffer financial hardship or bankruptcy.
Liability policies are designed to help protect you if you are sued by a third party who is injured or whose property is damaged. A third party is generally someone who is not a family member or employee. The policy covers defense costs and pays claims for which you are legally liable up to the policy limits.
If you have employees you should carry workman’s compensation insurance as they are not covered under the general liability policy. You should also make sure that any independent contractors or vendors that work with you show proof of their own liability insurance and ask that you be named as an Additional Insured on their policy. This is especially true if they are an independent instructor or trainer working at your facility.
Things You Should Know:
Why Do I Need Equine Liability Insurance?
If you operate an equestrian business or organize equine events, you know how much planning and effort is involved to make the occasion both safe and successful for everyone involved. Even with the most careful planning, unexpected situations can arise that you might not be prepared for. Without adequate liability protection you will have to pay damages and defense costs yourself. If the damages and costs are high enough you may suffer financial hardship or bankruptcy.
What Does The Equine General Liability Policy Cover?
This policy was specifically designed to protect your event anywhere in the United States, it’s territories or Canada. The general liability policy will pay the damages imposed upon you or your business by the law. It also pays the cost of defending you when a claim is made against your policy. Coverage is written on a full occurrence basis by an Admitted, A rated US insurance company and is tailored to fit your specific event needs. The policy will also add the premises owner, venue, sponsors, volunteers and co-producers as additional insureds.
Certificate of Insurance vs Additional Insured Endorsement
When producing a special event you will often be asked to provide a certificate of insurance to verify the existence of insurance coverage under specific conditions. More specifically, the document lists the effective date of the policy, the type of insurance coverage purchased, and the types and dollar amount of applicable liability.
Frequently, another party such as the venue or a sponsor will ask to be named as an additional insured on your policy. The additional insured then enjoys the benefits of being insured under your policy your for negligent acts and omissions but not for his own negligence.
What is Third Party Property Damage Liability (Care, Custody, Control Liability)
Most liability policies have provisions that exclude coverage for physical damage or loss to property while it is in the care, custody or control of the insured. Care, Custody, Control Liability (also known as Third Party Property Damage) is an optional coverage that will pay for negligent injury to horses under your control.
What is Waiver of Subrogation?
Very often, a contract or lease agreement will require one or both parties to waive their rights of subrogation. Subrogation means one party has the right to “step into the shoes” of another party for the purposes of bringing a claim for damages. Suppose you experience a financial loss due to the negligence of a third party. Normally you could sue the responsible party for full restitution but if your insurance company pays the claim your insurer is then subrogated to your claim against the negligent party. In essence, your insurance company has been given your rights of recovery after paying your claim. Before you sign a contract containing a waiver of subrogation, check with your insurance agent to be sure you are not violating any of the terms of your insurance policy. If your policy will not permit a waiver, you may be in danger of losing your insurance coverage, leaving you without policy proceeds or a cause of action against the other party. If the insurance company does permit a waiver of subrogation, it may be necessary to obtain an endorsement to the policy and, in some cases, pay an additional premium.
Safety & Risk Management Guidelines
- Ponies should be at least 4 1/2 years old, trained, desensitized with a gentle disposition.
- No stallions or mares in season can be used in pony ride operations.
- All pony rides must be given in a fenced enclosure (portable corral or arena) capable of containing a full size horse. The most suitable portable fencing is welded pipe or gate panels. Fencing should be free from sharp edges or projections and all staking should be clearly marked with colored tape.
- NO SEAT or RESTRAINT BELT ALLOWED.
- Child must be provided with SEI ASTM Standard protective headgear.
- A pony saddle must be used on a quiet, reliable animal. Saddles, tack, lead lines and equipment must be inspected constantly and be of durable, high quality construction.
- It is not desirable to use reins and a bit for pony ride operations. Ponies are best led with a caveson or strong halter with an obedience chain over the nose. Side reins are not to be used.
- Pony size is defined as 56″ or less at the withers. Larger horse should not be used for pony rides.
- Minimum child age is 3 years old but size will be determined by the individual operator using good judgment and common sense. The child should be capable of sitting in the saddle without support.
- Only Staff members, not parents, must supervise each child while mounting, leading and dismounting from pony. Parents, Guardians or other care givers should not act as handlers or leaders of the pony rides.
- Always check the girth for tightness with each rider.
Carriage & Wagon Rides
Guided Trail Rides
Horse Shows & Clinics
Outfitters & Guided Trail Rides
Pony Rides & Petting Zoo
A Rated Insurance Company
Full Occurrence Liability Basis
Up to $10million Liability Limits
Commercial Liability applies US/Canada
Personal Injury & Advertising Liability
Trainers Professional Liability Opitional
$5,000 Medical Payments Included
Employees are named as Additional Insured
Defense cost paid in excess of policy limit
Extended Coverage for Additional Insured
Horse Show & Special Events Coverage