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O/T boarding horses

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37 chief

04-18-2007 20:34:01

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Someone wants to put two older horses on our place. The subject of insurance came up. Does any one out there have horses that don't belong to you on your properity? What do you do about insurance? Stan

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Billy NY

04-19-2007 21:00:18

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Re: O/T boarding horses in reply to 37 chief, 04-18-2007 20:34:01

On one side you may make some income, on the other side those horses and their owners can be a royal pain in the A$$ and negate that income.

Use your best judgement, horses are no joke to deal with, so know what you are getting into before agreeing to anything.

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Rusty Scupper

04-19-2007 19:34:43

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Re: O/T boarding horses in reply to 37 chief, 04-18-2007 20:34:01

Here is more info, the program is administered thru: The American Equine Insurance Group. It also lists the United National Specialty Insurance Company.

The contact info is: Equine Insurance Specialists. 800-723-9414, ask for Evan. Let me know if you need anything else.

Rusty

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SDE

04-19-2007 17:27:56

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Re: O/T boarding horses in reply to 37 chief, 04-18-2007 20:34:01

Horses can get playful sometimes and start kicking the crap out of anything thats behind them. My brother almost got his arm broken once and another horse ended up with a broken nose from a wild kick. If you haven't been around horses enough to understand them very well, then don't start now.
SDE

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JtinNJ

04-19-2007 15:12:45

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Re: O/T boarding horses in reply to 37 chief, 04-18-2007 20:34:01

I was asked just a couple of weeks ago about boarding a hourse.The answer was a short one. NO. I'm not getting into that headacke.

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gcs

04-19-2007 13:49:59

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Re: O/T boarding horses in reply to 37 chief, 04-18-2007 20:34:01

I boarded retired horses for 10 years, mostly owned by women who were overly attached but didn't want to pay big board bills because they didn't ride any more.
We had a contract that they had to pay so much per month, and were responsible for vet care, we had the right to call a vet if necessary and owner was responsible for all bills.
There was NO riding allowed, and we had a liability policy. Board fees barely paid expenses of the lease , insurance, and hay.
The only way I made any money at all was to keep them on pasture 24/7/355,(about 10 days in barn due to really bad weather), and only fed hay about 15 weeks in winter.
This was not a fun job, I think I netted about 7 cents an hour,lol, and you were there EVERY DAY checking on the lawn ornaments, fooling with the water, moving them to fresh grass, etc., etc.
Never was so happy to see them and the lease go.
Only bright spot was I got a tractor out of the "profits"

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jlmtractor

04-19-2007 12:16:06

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Re: O/T boarding horses in reply to 37 chief, 04-18-2007 20:34:01

i board horses for a living if you dont have the time and the love for horses just dont do it and none of my trucks have ever got repoed and if a person from the city tryin to get in to the horse business they are the "horse people" that dont have any money because they dont know the right people or you have to no the right things dont go giving horse people bad names it depends on who has the horse if they just up and forget about and when that happens i send them a letter and tell them i am going to sell the horse and when they bring there horse to my farm i have them sign a paper that says that i can sell their horse if they dont pay me and never come see it and ride it and i admit i will ride a horse for someone if they dont come out there is no reason to punish a horse like that he didnt do anything wrong

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Rusty Scupper

04-19-2007 06:19:45

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Re: O/T boarding horses in reply to 37 chief, 04-18-2007 20:34:01

Depends on what kind of insurance you are looking for. I assume that you are looking for some kind of liability insurance (horse gets out of your pasture and car hits it and people sue in the car sue.) With membership to our club there is a $1,000,000 policy. I can forward on the name of the company and you can see if they can write a policy for you or if it is just for clubs.

I would also post your states equine law so if these people come to ride they see it. I would also draft up something that they sign saying you are not liable if the horses get hurt, riders get hurt or horses get loose.

With a sue happy world you can"t cover your butt enough.

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1936

04-19-2007 06:13:50

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Re: O/T boarding horses in reply to 37 chief, 04-18-2007 20:34:01

Very good vet friend said to me that a horse is worse than being married. He had done both. Sounds like snake bite to me and this is something you always try to avoid. Gotta scoot.

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Easy1

04-18-2007 22:11:11

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Re: O/T boarding horses in reply to 37 chief, 04-18-2007 20:34:01

Older horses are almost impossible to get rid of. Especially if the people don't want to sell them for slaughter. Kind of like city people dropping cats off in the country, they tell themselves it's the humane thing to do. Also cheap. I have been offered a dozen horses over the last few years. Usually after a daughter has gone off to school, or a mom that can't ride anymore, or people just can't afford the darn things anymore. They can be surprisingly expensive. And if it is up to the horse, they never stop eating. I got rid of my last one last year, and it felt great!

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georgeky

04-18-2007 21:10:29

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Re: O/T boarding horses in reply to 37 chief, 04-18-2007 20:34:01

I tend to think like steveormary. Around here folks tend to forget about their horses after a while and you may be stuck with them. I ended up with a field full of boarder horses that I had to feed. I finally got rid of them this past fall. Some had been here for 3 or 4 years. I got a little money back on some and traded a couple for shotguns, and flat gave 2 or 3 of them away to be rid of them. I still came out in the hole.

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steveormary

04-18-2007 21:00:04

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Re: O/T boarding horses in reply to 37 chief, 04-18-2007 20:34:01

37 chief;

Be areful chief,someone told us horse people dont have any money.

steveormary

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Davis In SC

04-18-2007 21:33:59

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Re: O/T boarding horses in reply to steveormary , 04-18-2007 21:00:04

QUOTE: Be careful chief,someone told us horse people dont have any money.

I hear the same thing, a car dealer told me that most of the high-dollar duallys they sold to horse folks got repoed in a few months..

I once did a some work for a woman that had a big horse farm.. She owed me quite a few thousand dollars, and was way behind on payment... One excuse she used was that one of her horses ate her checkbook, and she was waiting for new checks... I finally did get my money, but it took a long time, close to a year, IIRC...

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04-19-2007 17:23:43

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Re: O/T boarding horses in reply to Davis In SC, 04-18-2007 21:33:59

I can vouch for horse people not having money. I've put up around 85 acres of small square for the past ten years and this year most of it is going into beans. Why? I'm fed up with people not paying bills.

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old

04-18-2007 20:42:01

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Re: O/T boarding horses in reply to 37 chief, 04-18-2007 20:34:01

A wholte lot depends on your state. When I was boarding horses we did nothing with insurance other then had a contract written up that siad if they got hurt, the horses that is, we would call but it was the persons problem to get something done. But in Missouri theres a law that states if you ride the horse and you get hurt its your problem and you can't sue the owner etc.

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Rexalot

04-19-2007 02:06:35

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Re: O/T boarding horses in reply to old, 04-18-2007 20:42:01

Equine law in most states prevents "riders" from being able to hold the owner of the animal responsible. Basically, you get hurt around or on the horse it's your problem. That may even include in the stables, never checked that out.

As for boarding, you want insurance for what? The animal ending up dead while in your care or for potential damage to others should it get out of the pasture?

I would also have a written agreement concerning care etc. I would also consider charging a small fee. You will end up spending money at sometime in order to keep these animals.

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Ken Macfarlane

04-19-2007 11:16:02

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Re: O/T boarding horses in reply to Rexalot, 04-19-2007 02:06:35

I'd run far away. Far far away from boarding horses.

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