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EQUINE IMMUNITY LAWS

Many states have laws on the books with are designed to limit or control certain exposures where injuries to a person occur in an equine activity. These laws can protect the promoters and sponsors of an event, riding instructors, boarding facilities and even individual horse owners who provide horses or services.

Each state law has its own set of laws, while some are similar, you must refer to the law for your specific state. The majority of the laws reconfirm that equine activities come with certain inherent risks. The laws are set up to help prevent participants (or their family) from bring suit if an injury or even death occurs because of these inherent risks.

While these laws are meant to help limit the exposure of a suit, there are specific exceptions which will allow an injured participant to bring suit. These exceptions can be gross negligence or intentional acts, faulty tack or equipment provided by you that causes harm to a participant, failure to match riders ability with the proper animal and dangerous latent conditions of the land or facility.

Specialty Program Insurors, Inc. encourages all insureds to review and follow the requirements set out by the Equine Immunity Laws of your state. For a full listing of the laws by state, please go to http://utopia.utexas.edu/explore/equine/equine/equ_menu.htm

Do not hesitate to contact our office with any additional questions you may have at 800-338-3313.