Insurance when teaching horse riding (Teach anyone, no membership required)
Insurance is foremost on everybody’s mind. We all know that horse riding is a high risk sport.
It is an important part of risk management and many people stop teaching because the risk is too great if something goes wrong.
We are not the insurance brokers. So we are not benefiting in any way from this and apart from referring and supporting our students, we are not involved with the insurance details. There are 3 insurance brokers that are familiar with the standard of training we do, and insure our graduates. The general rule is that students who have completed all theory sections of the Certificate III are eligible to be insured for one year, so that they can be insured whilst doing the practical components.
The cost of the insurance differs. It is based on your income or number of riders per year. One insurer starts from approx $500. This is for an instructor who just coaches and goes to people's places and does about 20 lessons a week. If you run a centre with school horses on your property the premium increases (fairly dramatically), as of course the public liability risk increases. Some people on the land may have a farm pack insurance, which covers their public liability, so if you have one of those, the premium could go down again to just covering the lessons.
Our slogan has always been that you can teach anybody, no membership needed. We always felt that a membership adds unnecessary and high cost to a beginner, when they are not sure yet they like horse riding.
Recently a well know equestrian organisation again followed our example and offers insurance to their coaches to “Teach anybody, anywhere”. But the sting in the tail is that students who are NOT members will have to sign a disclaimer EVERY time they have a lesson. In our centre some students would ride three times a week. Imagine the amount of wasted paper.
This is not necessary with the brokers we deal with. One disclaimer suffices. No huge amount of paperwork. However, we do suggest that disclaimer forms are updated once a year or if any of the conditions have changed.