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RE: [RC] Liability in lessons for barn work trade - edna leigh libbyI am in Maine. I have Liability insurance on my boarding?farm. I am required to carry a separate rider on my policy for lessons. I also have to have release forms for everyone who takes a lesson or just a pony ride. If the student or client is under 18 the parent or gardian has to sign. Labor is a whole different topic. I have to carry a third rider for "seasonal Labor" which is expensive in Maine. (~ 500.00 per year per worker). If you have "Farm Insurance" then you can expect your agent to be up to date on the laws in your state?and know how best to protect your interests in all the various arrangements needed to operate an equine facility of any size. Mine will always direct me to a lawyer for drawing up the paperwork for contracts. Better to spend the time on the research than be caught by surprise with a fine or a law suit. It shouldn't be so complicated! I'd love to have more of the kinds of arrangements you are contemplating. Not only for my benefit, but, what a great experience for kids!! ELL =-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=- Ridecamp is a service of Endurance Net, http://www.endurance.net. Information, Policy, Disclaimer: http://www.endurance.net/Ridecamp Subscribe/Unsubscribe http://www.endurance.net/ridecamp/logon.asp Ride Long and Ride Safe!! =-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-
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