[RC] Permission to ride on private property - Karen Everhart
Marlene -
I hate to "rain on your parade" but nothing that your
clients/friends/yourself would "write up" can preclude their insurance
companies from suing the landowner if an accident occurs on his property, unless
there is a state equine limited liability act or law in place. Then you
need to know what the language covers. AND, at least in Kansas, to seek
protection under that act one must have the ELA signage, in the EXACT size
lettering that is mandated in the law, posted where it is visible by riders,
etc.
The only way to avoid an insurance company from suing is to make certain
that they never have an inkling that another landowner was involved. That
could mean mis-representing where an accident occurred, etc.
That could be termed "insurance fraud".
Insurance companies have a number of "goals". The first is to remain
profitable. That means, paying out the smallest number of claims possible
and subrogating (suing for expenses paid) as often as is reasonable.
You might want to look at insurance to cover this risk for the landowner,
similar to what NATRC does for its rides. That way liability becomes more
of a moot issue as there is coverage in place. I have no idea what
that might entail for a situation like yours, but it might be worth checking in
to. You can contact Laurie at the NATRC office to get contact info.
Karen Everhart MEd Co-founder and Executive Director Rainbow Meadows
Rescue and Retirement, Inc. Serving the equine companions who have so loyally
served us... www.rainbowmeadowsranch.com 620-725-3402
Owner/Operator Horse Calls - Equine Management Solutions Centered Riding
Instructor Distance Horse Conditioning and Training www.horsecalls.com 316-648-5082
