Jul '25 • 💡 Business Growth & Marketing
Insurance question- again!
Hi everyone, especially those of you in the US:
I’m happy to say that I feel that I almost feel ready to experiment with the first equine, assisted learning/coaching/service session!!! I can’t believe I’m even saying that!!! The therapeutic riding center where I volunteer is interested in expanding our program so I have access to facilities and horses.
Now I’m stuck with the insurance question and getting mixed messages 😖 I am an ICF certified coach and have professional liability insurance through Westminster, which is affiliated with the international coaching Federation, so a reputable provider. I called to ask what I needed to do to start offering services including horses. They said I only need to add a general liability policy, which I did.
But then another person who is already in the horse industry told me that is wrong and I need a specific policy to cover working with horses. She is an instructor and trainer. She goes to peoples houses to work with their horses. Maybe that’s the difference?
I don’t know who to believe and who to trust!!!
I would work as an independent contractor with a business registered as a coach and consultant in the state of Vermont. (I already checked that I’m not required to change my business registration to work with horses.) I would lease the arena and the horse at a PATH accredited center that I know has their own liability insurance, but that doesn’t matter for me as a contractor.
Can anyone please help me figure this out? I am not a risk taker and really want to have a straight answer before doing anything.
Thanks!!!
Alex
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Insurance question- again!
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