Riding lessons, horse training, shows, boarding or leasing at your horse property, this article discusses 5 steps to minimize risk and maximize success.
First is to make sure the property and facilities are well and timely maintained, in good repair, uncluttered, tidy and safe.
Second is signage. When in doubt, post signs for visitors to read. The main one is the equine activities waiver found at Colorado Revised Statutes (CRS) 13-21-119. Others could be no outside dogs off leash, no petting/feeding animals not your own, "this horse bites," no alcohol etc. Designate clear parking and trailer turn around areas.
Third is to have signed and dated paperwork in place amounting to liability waivers/releases and hold harmless/indemnification agreements. Everyone participating or attending should be asked to complete the forms. Organize and keep hard copies on file.
Fourth is paperwork confirming duties, responsibilities, expectations and obligations of the relevant parties. For example, boarding agreements should specify who does what when and who is on the hook for injuries, vet bills, transportation, feed, tack, stall maintenance, daily care etc. It should specify who is responsible for maintaining adequate damage, injury and liability insurance (usually the horse owner). The more that is specified in writing the better. Same for visiting trainers and the like, including who is responsible for matching horse and rider. Keep it well organized, updated and in hardcopy files too.
Fifth is to (re)consider how the facilities are owned/operated and insured. Some kind of corporate format may be best as it provides another layer of protection and organization. Follow corporate formalities to maximize protection. Tax, accountant and insurance professionals should be consulted. If you have an insurance agent, ask him/her what equine activities are covered and not covered. Supplement insurance as recommended.
Sanderson Law, P.C., is here to help. 303-444-8846.
