Professional riding teacher insurance

Professional riding teacher insurance


Assurancedesmetiers.com> Professional insurance> Instructor, sports and horse riding instructor
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riding lessons

Being a riding instructor means being responsible for your students and apprentices. It is a sporting profession which requires a perfect knowledge of the equestrian field and of teaching. But it is also an activity exposed to many risks, hence the reason why it is necessary to take out the appropriate guarantees. What insurance should you take out when you are a riding instructor? This is what we will see in this article.
The job of riding instructor

The riding instructor can work in a club, in a riding school or in an equestrian center. Its role is to organize and give riding lessons. As part of his job, this sports educator must teach basic equestrian sport, that is to say the preparation of the mount, the installation of the saddle, the harnesses, the use of spurs and the curry. after mounting. He must also ensure that the riders wear the appropriate clothing and equipment. All the training it provides must be adapted to the level of the riders.
Insurance to take out for optimal protection

As this is a sporting activity involving an animal, it is very important to follow the safety rules and take the necessary precautionary measures before and during learning. To minimize the risks to which he is exposed by giving riding lessons, the riding instructor must take out the appropriate insurance contracts. He must know how to prevent risks such as theft of equipment, theft of horses, death or injury of horses (entrusted or not), injuries, accidents and falls of riders, among others.
Professional liability insurance

As a riding instructor, you are responsible for your students and apprentices while they are under your supervision. The first insurance to take out is professional liability insurance. According to the law, any act of man which causes damage to another obliges him, through whose fault he happened, to repair it. Clearly, if you have committed a fault and if you have caused damage to a third party, you will then have to compensate the victim. For that, it would be necessary to have proof of a link between the fault and the damage.

Generally, RC Pro insurance is directly linked to the exercise of the activity, that is to say according to civil liability in the event of damage to a third party and to the physical capacity to exercise the profession. However, it does not cover damage caused by lack of qualification. Likewise, the financial consequences of non-compliance with an obligation of result are not covered by this insurance. If you work in an equestrian center, it is in the center to take out this insurance contract.
Legal protection insurance

The other insurance to take out is the legal protection guarantee. This guarantee allows you to facilitate the settlement of your disputes. Indeed, it bears the costs of proceedings and provides services in the event of a dispute or litigation opposing you to a third party. Insurance defends or represents you before or during proceedings, defends you against a claim against you and allows you to obtain compensation for the damage suffered amicably or in court if necessary.
Provident insurance

Occupational provident insurance may be essential in your case, because it allows you to financially cope with a work stoppage and disability following an illness or an accident, a fall from a horse can happen quickly! This insurance also covers you in the event of death. Before purchasing this benefit, you must assess the amount of your family's financial needs in the event of disability or death. If one of the covered risks occurs, you or your beneficiaries will benefit from a monthly annuity or from a lump sum payment.

If you offer itinerant lessons and you transport your horses, we recommend that you read our article dedicated to the guarantees useful for the transport of horses?