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Letting Someone Ride Your Horse? Consider the Legalities

“Can I borrow your horse?” We hear this question from friends, acquaintances, co-workers, and relatives. When we answer “yes,” what usually follows is a fun and pleasurable experience. Sometimes, however, the opposite holds true, someone is hurt, and a lawsuit follows.

This article briefly discusses why people sue others who lend out horses and offers some suggestions for horse owners to try to protect themselves.

Liabilities of Lending

Why could you be at risk when you lend out your horse to a friend? The answer is simple: As the horse’s owner, you are the prime target if the horse should injure your friend or if the horse injures someone else while your friend is using it. Examples could include:

  • The horse throws your friend, and your friend now claims that you knew or should have known of the horse’s unusual propensities to throw riders.
  • After your friend has fallen, your horse runs loose onto a highway and collides with a car. The injured motorist and passengers might claim that you, as the horse owner, are responsible.

Whether or not the horse owner really should be sued is not the issue. The fact is, injured people will sometimes blame (and sue) everyone having any connection to the horse or the accident.

How Equine Liability Acts Affect the Arrangement

As of April 2013, 46 states have passed laws that, in some way, are designed to limit or control liabilities in certain equine related activities. All of these laws differ, but many share common characteristics. When lawsuits are brought involving an equine activity liability act, a common provision under many statutes is the exception that applies to horse owners or equine professionals who “provide the equine and fail to make reasonable and prudent efforts to determine the ability of the participant to engage safely in the equine activity and determine the ability of the participant to safely manage the particular equine based on the participant’s representations of his or her ability.” Whether the horse owner eventually wins or loses depend on the facts and the applicable law.

Tips for Avoiding Liability

To reduce their risks of legal or financial liability, horse owners can do several things such as:

Liability insurance. Insurance policies can protect horse owners from claims that might be brought against them involving the actions of their horses. Policies include, for example, Commercial General Liability Insurance or Equine Professional Liability Insurance for equine professionals, and Personal Horse Owner's Liability Insurance (some insurers call it “Private Horse Owner’s Liability Insurance”). Homeowner’s liability insurance policies may or may not protect the average horse owner who lends out a horse. Discuss your coverage with a knowledgeable insurance agent, and make sure you are properly protected.

Liability Waivers/Releases. In most states, well-written liability releases can be powerful and enforceable, if they are properly drafted and signed. People who sign releases can, and occasionally do, file lawsuits so remember that having a liability release is not a substitute for liability insurance.

Informed Decisions. As you match your horses with people who ask to use them, keep in mind your horses’ histories, dispositions, and training as well as the ages and experience levels of the people who want to handle or ride them.


This blog post is not meant to suggest that people should not lend out their horses to others. Rather, it is designed to make people aware that these actions can sometimes carry consequences and to help people prepare for them.

This article does not constitute legal advice. When questions arise based on specific situations, direct them to an attorney.

Categories: Insurance, Liability

Photo of Julie I. Fershtman

is considered to be one of the nation's leading attorneys in the field of equine law. A frequent author and speaker on legal issues, she has written over 400 published articles, three books, and has lectured at seminars, conventions, and conferences in 29 states on issues involving law, liability, risk management, and insurance. For more information, please also visit and, and

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Our Equine law blog (and its author) in the news!

Julie Fershtman, author of our popular and prolific Equine Law Blog, was interviewed by the State Bar of Michigan. The interview, which called Fershtman "Lawyer-Blogger," discussed our Equine Law Blog. We truly believe that this blog is the nation's most active blog serving the equine industry on equine law topics, and we thank you for visiting it. Read more here.

Julie Fershtman’s Recent and Upcoming Equine Law Speaking Engagements Include:

National Conference on Equine Law in Louisville, Kentucky on April 29, 2020. Topic will be on Waivers/Releases of Liability Involving Minor Participants. 

U.S. Hunter Jumper Association (USHJA) Annual Convention in Denver, Colorado on December 10, 2019. Topic will be on Equine Liability. 

IRMI Emmett J. Vaughan Agribusiness Conference (“AgriCon”) in Sacramento, CA (April 2019), and Richmond, VA (June 2019) and in Des Moines, IA (September 2019), on topics of “Equine Activity Liability Acts” and “Equine Mortality Insurance Disputes.”

National Conference on Equine Law in May 2019 in Lexington, KY, on the topic of “Equine Activity Liability Act Updates” and liabilities involving hosting of equine clinics. 

Agricultural Claims Conference in Kansas City, MO, in March 2019 on topics of “Loose Livestock Liabilities.”

2018 American Bar Association Annual Meeting in Chicago, IL, on “Equine Mortality Coverage and Disputes.”

November 2018, American Horse Council webinar on “Equine Liability.”

Honors & Recognitions

Equine lawyer, Julie Fershtman, has received these prestigious equine industry awards from respected equine organizations:

"Excellence in the Advancement of Animal Law Award" - American Bar Association Tort Trial & Insurance Law Section Animal Law Committee

"Distinguished Service Award" - American Youth Horse Council

"Industry Service Award" - Michigan Equine Partnership

"Catalyst Award"- Michigan Horse Council

"Outstanding Achievement Award" - American Riding Instructors Association 

"Partner in Safety Award" - American Riding Instructors Association 

"Associate Service Award" - United Professional Horseman's Association

"National Partnership in Safety" Award" - Certified Horsemanship Association 

What our Equine Law Services can Provide

Handling breach of contract, fraud/ misrepresentation, commercial code, and other claims involving equine-related transactions including purchases/sales, leases, mare leases/foal transfers, and partnerships.

Litigating disputes in court or through alternative dispute resolution (arbitration, mediation, facilitation).

Defending equine/farm/equestrian industry professionals,  businesses, and associations in personal injury claims and lawsuits.

Drafting and negotiating contracts for boarding, training, sales, waivers/releases, leases, and numerous other equine-related transactions.

Representing and advising insurers on  coverage and policy language as well as litigation;

Advising equine industry clubs and associations regarding management, rules, bylaws, disputes, and regulations.

Representing some of the equine industry's top trainers, competitors, stables, and associations.

Counseling industry professionals, stable managers, and individual horse owners. 


Did you know Julie Fershtman has spoken at the American Horse Council Annual Meeting, Equine Affaire, Midwest Horse Fair, Equitana USA, US Dressage Federation Annual Meeting, North American Riding for the Handicapped (now PATH International) Annual Meeting, American Morgan Horse Association Annual Meeting, American Paint Horse Association Annual Meeting, US Pony Clubs, Inc.'s Annual Meeting, All-American Quarter Horse Congress, American Youth Horse Council Annual Meeting, American Riding Instructors Association Annual Meeting, CHA Annual Meeting, and numerous others? Consider signing her up for your convention. Contact Julie.

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