In starting a horse club do we really need insurance or is there a way around that?

Question

I understand the things that can happen but insurance is very costly. Is there not a way to have "a loosely assembled group of people " who can come together for the sake of learning & riding & enjoying being part of something without the lawyers always getting in the way ? We are all pinching pennies already (I' m in California as well ) Seems like everyone is going 501c3 but that really is not what he whole idea behind that was either when it started .

Answer 1

I disagree with the waiver bit. While it may protect you some, it is far from being impervious to a lawsuit. The bottom line is you need the insurance. period.





I have been involved with starting equitation clubs in the past and have talked to lawyers regarding this matter. Get the insurance AND have the waivers.



501c3 filing is a pain in the backside, but has to be done for tax purposes. Such a club so as you are starting is considered a non profit org.



The only other alternative would be proof of personal insurance plus the waiver.





This stinks but it is a sue me world.

Answer 2

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RE In starting a horse club do we really need insurance or is there a way around that?



I understand the things that can happen but insurance is very costly. Is there not a way to have "a loosely assembled group of people " who can come together for the sake of ...show more

Answer 3

There's really no way around it.



Even if everyone in the club agrees that any injuries are their own problem, their health insurance company might not agree. They can sue the pants off you, without the permission of the injured person, and they will. They're not going to put up megabucks for a big injury if they can get reimbursed by someone else.



That someone else could be the landowner involved or the club or YOU.



Even if they don't ultimately win the case, you'll have to have a lawyer to defend you, and you're likely to lose on top of it.



Some states have horse liability laws, where no one's liable for someone else's horse related injuries if that person chose to participate. However, if you ever ride anywhere public, that wouldn't cover you - for example, if you rode down the street and your horse kicked someone, you'd be liable. That person wasn't participating in your horse-related activity, so they can sue you and win.



Club insurance policies are available quite cheaply. My numbers are out of date, of course, but 10 years ago when I ran a 4H club it was like $100 +$2.50 per member for our 4H club. That's less than $2 a week. Well worth it.



So before you decide NOT to have this very necessary protection, find out how much it's going to cost, and weigh that against what you could lose if you're sued.

Answer 4

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RE In starting a horse club do we really need insurance or is there a way around that?



I understand the things that can happen but insurance is very costly. Is there not a way to have "a loosely assembled group of people " who can come together for the sake of ...show more

Answer 5

Insurance is protection for YOU and your club. If someone falls off and they sue you/the club saying that, for some reason, it was your fault, the insurance is there for you as a safety net. I don't know much about starting a horse club, but I do know that if put in a situation with horses and people together and I was the one in charge of things, I would want my booty covered-the last thing you want is for someone to sue you personally.



What you could do is have membership fees to the club to cover insurance (I don't know what specifically your club is for). It's really not something you should do without.

Answer 6

I question whether the goals of the club you describe would qualify for 501c3 tax exemption.

A non-profit riding club that is incorporated as a legal entity can qualify for certain liability insurance policies. If your club will involve sponsoring of public participation in clinics, horse shows, parades, exhibitions, etc., then your club really should be covered by an appropriate liability insurance policy. Club members who perform any duties on behalf of the club will probably require additional coverage under the policy, and anyone owning properties that will be used to sponsor club events may also want to be insured on the club policy. Any directors or officers of the club may also be advised to obtain additional liability coverage for potential allegations of certain "wrongful acts" that can result in lawsuits.



As for waivers, the enforceability depends on compliance with the laws in each state, and it varies from one state to another. If minors will be participating in club activities, you really need to know the liability laws where the activity is sponsored, preferably along with checking the liability case law history when parents or guardians have signed documents to waive the rights of minors injured in that state. In many states, adults cannot legally waive the rights of minors, meaning that the waivers the adults sign are not enforceable in a court of law.



Here is some information on waivers of liability for athletic participation by minors that I think you might want to read.

http://www.athleticbusiness.com/articles/article.aspx?articleid=1028&zoneid=30



I've dealt with numerous injury liability lawsuits brought by or against patients in my clinical practice as an orthopedic specialist in human medicine. I would urge you to become well informed on this issue, and speak to liability insurance agents and attorneys specializing in injury liability laws and litigation in the state where your club will operate.

Answer 7

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Answer 8

Have everyone sign a waiver when they become a member of your club. If your club is a non-profit organization any monies collected from your members, sponsors or fundraisers would be tax-exempt. You would be protecting everyone involved with the club including the owner of the facility.



PARTICIPATION IN ____________________EVENTS-TERMS AND CONDITIONS: I HEREBY COVENANT NOT TO SUE AND AGREE TO INDEMNIFY, AND SAVE, AND HOLD HARMLESS “____________________,” a non-profit organization, it’s agents, employees, representatives and all others in any way connected with the production and operation of the event and the facilities from any claim, demand, or liability for personal injuries or property damage arising from participation or use and enjoyment of the event and facilities. This consent will remain in effect for a period of one (1) year. THE UNDERSIGNED HAVE READ AND VOLUNTARILY SIGN THE COVENANT AND INDEMNITY AGREEMENT, and further agree that no oral representation, statement or inducements apart from the foregoing written agreements have been made. I understand that ____________________ reserves the right to refuse participation, revoke a membership card or remove any participant at any time at its sole and complete discretion. Any member who is guilty of misconduct may be fined $_____ to $_____ or can be expelled from the club. NOTE: This consent/release must be signed by a parent or guardian for all member/contestants who are minors.



Address and Name of Club______________________________. I hereby acknowledge that I have sole responsibility for my personal possessions during the Event and its related activities. I hereby acknowledge that participation in the Event carries with it a potential hazard. I, therefore, release ____________________, its officers, directors, volunteers and agents and the Stock Contractor and /or Promoter from any liability resulting from injury or death during the Event or its related Activities.

SIGNATURE____________________

DATE_______________

SIGNATURE____________________

DATE_______________

Answer 9

The person whose land you gather on would be a fool to allow you on their property without it.

Answer 10

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Answer 11

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