Owners' stable and equestrian center:
which professional insurances to take out?
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equestrian center insurance
Indispensable guarantees for the operators of an owner's stable
To cope with the many risks associated with their field of activity, owners' stables and equestrian centers must be well insured. According to the Civil Code, in the event of damage caused to a victim, the legal obligation imposes on anyone to repair it. This is called professional liability. The role of the equestrian center is to offer riding lessons to people on horses that do not belong to them. As for the owner's stable, its role is to board in the meadow or in the box of horses belonging to owners. In either case, it's important to take out the right insurance policies.
Stable insurance for owners of professional liability
Professional liability insurance aims to cover damage caused to third parties during the activity. It covers bodily, material or immaterial damage caused to persons benefiting from the status of third parties who are in their establishment, material damage to the property of third parties in the stable, but also theft and death damage. or unresolved or disabling injuries. This guarantee is used to cover the risks of damage caused to third parties by the horses.
When the horse is injured under the responsibility of the professional who has custody of it and when the injury results from professional misconduct, this insurance contract compensates the owner of the horse. This is the protection essential to any equestrian establishment having an activity of teaching and organizing competitions and training. The RC equestrian center covers riders, teachers, administrators and volunteers.
Horse owner or guardian liability insurance
Other responsibilities may be taken over by the professional RC team. For example, the liability incurred towards customers, third parties and visitors, the liability incurred towards the owners, the liability linked to the participation of external events and the liability that could fall on the insured in as an employer. Also, your insurer will offer you specific contracts for unlicensed riders. These contracts include warranty extensions providing minimum protection for riders and the team, such as excess medical fees.
Finally, it is good to know that the subscription of a professional civil liability insurance is compulsory for the horse keeper, the veterinarian, the farrier and any other professional likely to be transferred the care of horses as part of his activity.
Stable and equestrian center operating insurance
At any time, the stable or equestrian center can be damaged by fire, lightning or explosion. To guard against these risks, it is important to take out operating insurance. This guarantee covers all the installations of these structures: furniture, equipment, saddlery, harnesses, quarries, rides and horses. It is also essential to take out owner's stable insurance "cottage and guest house" to cover your civil liability and food poisoning.
Legal protection guarantee
For owners, horse keepers and non-professional riders, the other insurance to take out is professional legal protection. This guarantee provides assistance and makes it possible to settle disputes relating to the purchase, sale, rental or guarding of a horse or equestrian equipment, disputes with a veterinarian or a clinic, and disputes with an equestrian center. or a contest organizer. Note that in the absence of legal protection, the financial and legal consequences can be very significant.
The multi-risk stud farm and stables
The professional multi-risk stud and stable protects property such as buildings, equipment and goods, but also the horses there. In the event of fire, lightning, water damage, theft or natural disaster, this guarantee will intervene to compensate you. In principle, it covers your civil liability, the value of your horses and the services offered. Thus, your buildings, whether they are modern, classified or old, are covered by this insurance. So are your services, whether it is boarding, education or riding station.
Essentially, this guarantee covers your horse installations.
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