Liabilities of Taking a Friend Riding

I was very surprised that you advocated and promoted having a private person invite someone other than a family member to ride their horse in your September 2016 issue. (“Take the Pledge,” From the Editor.) I understand that every state has its own rules about liability, but I’d never allow anyone, especially a stranger, to ride my horse. My understanding is that even if the injured rider didn’t want to fi le suit against you that their insurance company could. It’s too big a chance to take; I can’t afford insurance to cover just anyone riding my horses.

LOUISE H. LESTER, Maine

Editor’s Note: We asked the officials of Time to Ride to address these concerns. Here’s their response.

“Professionals taking part in Time to Ride programs must adhere to liability insurance requirements, rules, and safety standards. Non-professional individuals are recommended to look into organizations such as state horse councils, many of which offer personal liability protection as a member benefit at no additional cost. It is the horse owner/rider’s responsibility to provide a safe environment; appropriate mount, tack, and equipment; and be familiar with all riders’ ability level. If there is any question about the safety of a situation, unmounted activities are a good alternative that are safe, fun, educational and beginner-friendly.”