Alfonso Marcucci

Alfonso Marcucci - Italy

Q: We have an equine limited liability law in our state. I made sure the wording was in my release, and I posted the proper signs. Doesn`t this protect me from being sued, in which case I don`t need an insurance policy, right?

A: You`ve done everything right so far by including the wording in your releases and posting signs on your property. Unfortunately, equine limited liability laws do not protect you from being sued (though they may help your case if you are). A frivolous lawsuit still requires a defence, and your liability policy will cover your defence fees.

Also, keep in mind that while most state equine liability laws refer to the inherent risk of riding and working around horses, they are generally not intended to protect you if you are considered negligent or at fault for the accident.