Equine Coach & Trainer Insurance
Coach and train with confidence.
The high standards achieved by certified and experienced coaches and trainers combined with the power of volume purchasing have made coverage less expensive and easier to obtain through Acera Insurance.
Covering those who coach and train.
This insurance program is for coaches and trainers who are active participants in the equine industry and are at least 19 years of age with a minimum of 5 years of riding experience.
Coverage is extended to insure assistant instructors who are at least 16 years of age with a minimum of 3 years of riding experience provided they are operating under the direction of an insured coach meeting the above qualifications.
Our program provides automatic coverage, including:
- $5,000,000 on Coach/Trainer Canadian liability including injury to participants
- Professional Liability: $100,000 limit per claim / $100,000 annual aggregate
- Booths and kiosks at trade shows, fairs and exhibitions that are used for the promotion of your business
- $10,000 property coverage for training equipment (tack not included)
Operations we cover
Who we help
Ownership/lease of school horses
Clinics arranged or hosted
Breeding
Training of horses (excluding pari-mutuel racing)
Transportation of horses belonging to other people
Schooling Shows for students (and coverage for Boarding or Ownership/Renting of premises may be added)
Optional additional coverages
Coverage for incorporated entities with a maximum of two employed coaches. Please contact us if you are not a sole proprietor.
Hosting horse shows
Overnight camps
Important forms and applications.
Speak to a specialist.
Get in touch with a dedicated advisor on our equine insurance team and we’ll get to work building the perfect coverage program for you.
Answering your most common questions.
Why do I need insurance if I use a waiver?
Waivers (more commonly now referred to as Release and Acknowledgements) are a very good idea and if they are legally sound they can go a long way to reduce your loss in the event of a lawsuit. However many releases lack the legal strength to afford the protection for which they were intended. Also there are many incidents that might occur which fall outside the scope of your release.
No matter how well your release has been written, you will still face the costs of a legal defense if you are sued. Insurance will protect you in situations where your release form is weak, where the accident falls outside the scope of the release and will also cover your legal costs. Use of a release form is strongly encouraged as a Risk Management measure. They contribute to the lower cost of insurance by avoiding and reducing losses. View our equine risk management manual for more information.
Are commercial equine operations insured under this policy?
The intent of this policy is to insure your coaching, instruction and training activities. The following are not deemed to be commercial equine operations under the policy:
- Boarding of an equine
- Equine Shows or Competitions
- Clinics
- School Horses (owned, leased or owned)
- Training of Horses
Are barn staff hired under Contract covered by my coaching insurance policy?
No. If barn staff are independent contractors (not registered with Canada Revenue Agency as employees of your business), they are not covered by your policy. We are pleased to offer these independent equine professionals a separate policy designed specifically for grooms. Please contact us.
Why should my clients/students obtain membership in their Provincial Equine Association?
We strongly recommend that all equine industry participants maintain membership in their Provincial Equine Association to take advantage of the many membership benefits, including insurance. Several reasons why your clients/students should consider insurance include:
- Accident Insurance is readily available and will protect your clients/students in the unlikely event that they suffer an injury while participating in your lesson program. Parents will be keenly interested in protecting their children but this is a good idea for everyone.
- Some of your clients/students will either own/lease or borrow a horse from you or someone else. Therefore, Liability insurance for them will potentially become very important. The sooner they become aware of their risk exposures the better.
- This coverage, and much more, are available to your clients/students by joining their Provincial Equine Association.
I do not own any school horses but sometimes I arrange for horses to be available to my students that are owned by someone else. The horses may or may not be insured by their owner. Am I covered for this?
Yes. Under the law, your responsibility is the same when you make arrangements for a school horse and when you actually provide the school horse.
Do I have to purchase extra coverage if I lease a facility year round for my coaching/instructing/training activities?
No. The coaches policy covers you during your coaching activities and if you own or lease premises year round.
Can I insure my assistant coaches under this policy?
Yes. Student coaches, assistant coaches or people involved in a coach mentoring program are all treated the same way by your policy. These people are automatically covered under your policy but are subject to certain requirements. They must be 16 years of age or older with a minimum of 3 years riding experience and must be operating under your direction. If they act outside your direction during a coaching session, there is no coverage.
Are commercial equine operations insured under this policy?
The intent of this policy is to insure your coaching, instruction and training activities. The following are not deemed to be commercial equine operations under the Policy:
- Boarding of an equine
- Equine Shows or Competitions
- Clinics
- School Horses (owned, leased or owned)
- Training of Horses
Our manual for equine risk management.
Acera Insurance has developed a manual that helps to educate and protect you against risks associated with equine related exposures with. In consultation with thousands of equine industry participants over the last 25 years, this information has become a point of reference for government, equine associations in Canada and beyond.