If I am providing riding instructions on my farm, what additional insurance coverage should I consider?

Dwelling coverage drastically changes if the house is vacant for more that 30 consecutive days.

A metal barn will melt in a fire.

That horses are considered livestock and that most homeowner’s policies exclude livestock? Most homeowners also exclude horses away from the premises and/or in competition.

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Barns are not considered an appurtenant structure to a dwelling and must be scheduled to have coverage.

Workers’ Compensation is mandatory in California. The labor board has begun unannounced inspections and has even closed some Farms/Training stables down as they did not have any Workers’ Compensation in force.

If you are a horse owner and you leave your tack or other property at the barn where you board, you are responsible for theft or damage, not the barn owner.

Homeowner’s policies exclude equipment used in your business. For example: Trainers using tack, jumps or any other property must have it specifically insured. The same applies for liability coverage.