Riding school insurance

greenybaby

Hi all, posted this in equine but got no response!

Quick question.

My partner has a riding school and the only instructor he has is leaving shortly. He is going to renew his insurance soon on the school and teach by himself (talk of bringing in a non qualified instructor happening also) but he is not a qualified instructor.
Am I right in saying that the insurance will not cover the school if there isn't a qualified person to teach the kids?
I remember the old instructor mentioning that my partner was insured under her as she was qualified.
Need answers before he goes and throws a load of cash away!

Pro Hoc Vice

greenybaby wrote: »

Hi all, posted this in equine but got no response!

Quick question.

My partner has a riding school and the only instructor he has is leaving shortly. He is going to renew his insurance soon on the school and teach by himself (talk of bringing in a non qualified instructor happening also) but he is not a qualified instructor.
Am I right in saying that the insurance will not cover the school if there isn't a qualified person to teach the kids?
I remember the old instructor mentioning that my partner was insured under her as she was qualified.
Need answers before he goes and throws a load of cash away!

The only person who can answer that question is the insurance company, it's upto them to cover or not knowing all the facts.

MarkAnthony

greenybaby wrote: »

Need answers before he goes and throws a load of cash away!

If you're seeking legal and business advice on the internet tbh I'd just blow all my money on hookers and coke. At least you'll enjoy the ride. Otherwise ask a qualified profession and the insurance company.

arthur daly

Only thing to do op is ring everyone and ask.does boards have a equine section maybe in sports,advice online on this subject could be very hard got

NUTLEY BOY

greenybaby wrote: »

Hi all, posted this in equine but got no response!

Quick question.

My partner has a riding school and the only instructor he has is leaving shortly. He is going to renew his insurance soon on the school and teach by himself (talk of bringing in a non qualified instructor happening also) but he is not a qualified instructor.
Am I right in saying that the insurance will not cover the school if there isn't a qualified person to teach the kids?
I remember the old instructor mentioning that my partner was insured under her as she was qualified.
Need answers before he goes and throws a load of cash away!

This should be clarified, in writing, with the insurance underwriters.

The fact that there will now be no qualified instructor might be what the insurers call a "material fact".

A material fact is one that might influence the mind of an insurance underwriter in deciding whether or not to accept a risk and, if so, on what terms and conditions. If you fail to disclose a material fact that might let underwriters escape contractual liability to your partner if a claim arises.

The duty to disclose a material fact applies when you propose for insurance. That duty revives every year at renewal.

However, in view of the considerable public liability risk with this type of business your partner should get this sorted now before the qualified instructor leaves. Otherwise, your partner may be running the business with no effective public liability insurance once the instructor leaves.

The down side is that the insurance underwriters may not be prepared to continue cover without a qualified instructor. Better to find that out now than when an accident occurs as riding accidents can create catastrophic personal injuries cases.

The reason why I emphasise getting things in writing is that my sorry experience of insurance companies is that unless you have it in black and white they will wriggle away if a serious problem occurs. The only good insurer is one whose feet you can nail to the floor - just a personal view.