Equine Coach Insurance
Equine Coaches and Instructors can be confident knowing they're well protected.
The high standards achieved by certified and experienced coaches combined with the power of volume purchasing have made coverage less expensive and easier to obtain through CapriCMW Insurance. The coach insurance program is for coaches who active participants in the equine industry and who are at least 19 years of age with a minimum of 5 years' riding experience.
Coverage is extended to insure assistant instructors who are at least 16 years of age with a minimum of 3 years riding experience provided they are operating under the direction of an insured coach meeting the above qualifications.
Buy Coach Insurance Online
Get a quote and buy equine coach insurance online. It's fast, easy and your documents will be delivered to you instantly by email.
Our program provides automatic coverage, including:
- $5,000,000 on Coach/Trainer Canadian liability including injury to participants
- Professional Liability: $100,000 limit per claim / $100,000 annual aggregate
- Booths and kiosks at trade shows, fairs and exhibitions that are used for the promotion of your business
- $10,000 property coverage for training equipment (tack not included)
In addition to coaching, the insurance includes coverage related to the following activities:
- School horses
- Transportation of horses belonging to other people
- Breeding
- Training of horses (excluding pari-mutuel racing)
- Clinics arranged or hosted
- Schooling Shows for students (and coverage for Boarding or Ownership/Renting of premises may be added)
Optional Coverages
- Coverage for incorporated entities with a maxium of two employed coaches is available as an option. Please contact us if you are other than a sole proprietor.
- Coverage for hosting horse shows
- Coverage for overnight camps
Frequently Asked Questions
Why do I need insurance if I use a waiver?
Waivers (more commonly now referred to as Release and Acknowledgments) are a very good idea and if they are legally sound they can go a long way to reduce your loss in the event of a lawsuit. However many releases lack the legal strength to afford the protection for which they were intended. Also there are many incidents that might occur which fall outside the scope of your release. No matter how well your release has been written, you will still face the costs of a legal defense if you are sued. Insurance will protect you in situations where your release form is weak, where the accident falls outside the scope of the release and will also cover your legal costs. Use of a release form is strongly encouraged as a Risk Management measure. They contribute to the lower cost of insurance by avoiding and reducing losses. Visit the equine section of our website to access risk management information.
Are commercial equine operations insured under this policy?
The intent of this policy is to insure your coaching, instruction and training activities. The following are not deemed to be commercial equine operations under the Policy:
- Boarding of an equine
- Equine Shows or Competitions
- Clinics
- School Horses (owned, leased or owned)
- Training of Horses
Are barn staff hired under Contract covered by my coaching insurance policy?
No. If barn staff are independent contractors (not registered with Canada Revenue Agency as employees of your business), they are not covered by your policy. We are pleased to offer these independent equine professionals a separate policy designed specifically for grooms. Please contact our office.
Why should my clients/students obtain membership in their Provincial Equine Association?
We strongly recommend that all equine industry participants maintain membership in their Provincial Equine Association to take advantage of the many membership benefits, including insurance. Several reasons why your clients/students should consider insurance include:
- Accident Insurance is readily available and will protect your clients/students in the unlikely event that they suffer an injury while participating in your lesson program. Parents will be keenly interested in protecting their children but this is a good idea for everyone.
- Some of your clients/students will either own/lease or borrow a horse from you or someone else. Therefore, Liability insurance for them will potentially become very important. The sooner they become aware of their risk exposures the better.
- This coverage, and much more, are available to your clients/students by joining their Provincial Equine Association.
I do not own any school horses but sometimes I arrange for horses to be available to my students that are owned by someone else. The horses may or may not be insured by their owner. Am I covered for this?
Yes. Under the law, your responsibility is the same when you make arrangements for a school horse and when you actually provide the school horse.
Do I have to purchase extra coverage if I lease a facility year round for my coaching/instructing/training activities?
No. The coaches policy covers you during your coaching activities and if you own or lease premises year round.
Can I insure my assistant coaches under this policy?
Yes. Student coaches, assistant coaches or people involved in a coach mentoring program are all treated the
same way by your policy. These people are automatically covered under your policy but are subject to certain
requirements. They must be 16 years of age or older with a minimum of 3 years riding experience and must be
operating under your direction. If they act outside your direction during a coaching session, there is no coverage.
Are commercial equine operations insured under this policy?
The intent of this policy is to insure your coaching, instruction and training activities. The following are not deemed to be commercial equine operations under the Policy:
- Boarding of an equine
- Equine Shows or Competitions
- Clinics
- School Horses (owned, leased or owned)
- Training of Horses