What two types of insurance should instructors consider?

Liability insurance and accident insurance are particularly important for riding instructors because they provide crucial protection in the event of accidents that may occur during lessons. Liability insurance covers legal responsibilities if a student or third party is injured due to the instructor's negligence or the conditions of the facility. This coverage is essential in the equestrian context because it safeguards against claims that could arise from falls, injuries, or damages caused during riding sessions.

Accident insurance complements liability insurance by covering medical expenses for injuries sustained by the instructor or their students during riding activities. This type of insurance can help alleviate the financial burden of medical costs in the case of an unforeseen incident.

While health insurance, property insurance, and other options may offer valuable coverage for a riding instructor's overall well-being and personal assets, they do not address the specific risks associated with the instruction of riding and the inherent liabilities involved in such activities. The focus on liability and accident insurance is particularly relevant in the context of riding instruction, where the risk of injury is more present than in many other professions.