Agistment Property - Protection Against Horse and Rider Claims

Discussion in 'Horse and Rider Insurance' started by Murray, May 15, 2002.

  1. Murray

    Murray Well-known Member Staff Member

    Given the exorbitant insurance costs I would appreciate any information on how other agistment property owners are protecting themselves against injury claims from their clients. For example, would having the horse owner sign a release of liability document suffice?

    Regards...Murray S
     
  2. valdez

    valdez Well-known Member

    I am an agister an i have taken it upon myself to insure myself and my horses privately because agistment centres dont usually see this matter as a big concern YET. It is quite expensive to do this and certainly does not cover myself for everything but i am happy with the level of cover this company provide especially for public liability.
     
  3. beccy

    beccy Well-known Member

    one of the riding schools have been around for over 35 years, and never made a claim. last year their insurance was $1600. A few months ago they have been told their next insurance bill will be $16,000. I dont know how the riding school could manage to pay the $1600 to begin with after paying all horse feeds and maintanance. there is no way they can pay out the new figure.

    Pony club has estimated to go up to $100 more a rally per person. This is SO stupid.

    A lot of riding schools have closed down this year, and more will be doing so.

    -bec-
     
  4. Goose

    Goose New Member

    I'd be careful about liability waivers Murray. Most of them wouldn't stand up in court if it's a possible Duty of Care breach...
     
  5. Murray

    Murray Well-known Member Staff Member

    Thanks Valdez, Beccy and Goose for your replies! I agree Goose, I am sure that when push comes to shove in the courts "duty of care" would take precedence over signed liability waivers, signs etc. However, I have noticed that the management at Whiteman Park do require all riders to sign a General Disclaimer and Indemnity form releasing them of all claims before a rider is granted a permit for riding in the Park. Given that Whiteman Park is managed by the Government I would expect that they would take advice from the Government solicitors for this form to carry any weight should a rider have cause to mount a case.

    In view of the above I think I might have to follow this up with a solicitor just to see where a property owner stands legally in relation to a signed waiver. Otherwise, I might have to start growing fruit trees instead of agisting horses.


    Regards...Murray S
     
  6. Goose

    Goose New Member

    Good idea - the solicitor I mean, not the fruit trees [​IMG] Worth the cost to find out before you get into a bad situation. On another note - what type of programming if you don't mind me asking?
     
  7. Murray

    Murray Well-known Member Staff Member

    Hi Goose and thanks for your reply. I specialise in Oracle database management systems for mainframe and mid range computers as I am a qualified Oracle developer and Database Administrator. I am also a Unix System Administrator and pretty much multi skilled across most languages including html and perl.

    Regards...Murray S
     
  8. Goose

    Goose New Member

    Cool! I'm doing database admin and design work, mainly for the mining/exploration industry, Access and SQL Server...back on the insurance topic - found out today that even the ice-cream van who supplies our weekly soft serve after dog beach might go out of business because they need public liability to $5 M before they can get their licence renewed?!?!?! This is getting way beyond ridiculous.
     
  9. Goose

    Goose New Member

    How'd you go with the solicitor Murray?
     
  10. Goldpally

    Goldpally Active Member

    Would you beliieve we grow fruit trees ha ha ! My partner would definately agree with you about them being more valuable than horses !!
     
  11. Murray

    Murray Well-known Member Staff Member

    Hi Goose, I haven't any horses agisted presently and seeing a solicitor has taken a low priority for the moment. Henley Brook has become very built out (Morgan Fields, Ellenbrook and the proposed Albion Town just across the road from me) so as much as I love horses I think the best idea for me apart from growing fruit trees is to spend my money on a feasibility study for subdivision. I thought GST being applied to all things equestrian was bad enough but this latest insurance debacle has really become the straw that broke the camels back (or should that be horses back?).

    Regards...Murray
     
  12. icebabie296

    icebabie296 New Member

    up here in the north west of WA we have an association called the Murchison Gymkhana Association, clubs from all over the Murchison come and compete, the first few gymkhanas were run without public liability and we didn't know it. In Newman we have a gymkhana club/agistment centre all roled into one. basicely we have a dola lease on some land and people have built yards and sheds and paddocks and all sorts to keep their horses, every one does their own thing and we also have a feed shed in the middle which is open twice a week, we pay our annual membership of $60 for a family and the club doesn't worry about anything else you do in your yards. We have a very unique situation Our little horse community is soon going to fold because of insurance issues. Once a year we hold an annual gymkhana as part of the Murchison association. Unfortunatley we can't run one on our usuall date because our insuranse runs out on the 26th of june. Our gymkhana is on the the 13th of july if any one knows of any insurance company that might be able to insure us for a reasonable price could you post some information, thanks.
     
  13. Paddys girl

    Paddys girl Well-known Member

    Hi Icebabie in Karratha we have the same setup as you guys. Leased land from the shire run and managed by the pony club. Hard to figure how to insure. Whether we get indivuals to sort out their own insurance and public liability for their own yards and just insure the club as normal. Or the club get insurance for everything (as an agistment centre as well ) even though no money is charged for having your horses there. Really weired and confusing for us with all the fine prints and diferent types. I think we have found something cheap though and are following it up. I will let you know what happens and who it was with when we sort it out.
     
  14. Denny

    Denny Well-known Member

    Hi Murray

    Just read your old posts about possible feasablity studies. Did you end up doing any studies and if so where they for your own land or to do with Albion Town.

    I'm interested as I live near the proposed Albion Town site. My property won't be affected but it's good to know what is going on.

    Have you seen the power going down at the moment on Youle Dean Road and Partridge Street??? This is the start of Albion Town.... We can't stop it but we can try and put limitations to what they try to do.

    Cheers
     
  15. Murray

    Murray Well-known Member Staff Member

    Hi Denny,

    Our property is just across the road from the proposed Albion Town. I haven't initiated a feasibility study as yet because a friend of mine who also owns a property close by has approached Town Planning and they advised him that it is basically up to the surrounding land owners to get together and put a case forward for sub division. I know the people around me are not really interested in sub division because they have been told that the development of Albion Town should increase the value of their properties by a quarter of the existing value.

    Some landowners within the proposed Albion Town have already attended a meeting organised by Town Planning. Some points to come out of that meeting:

    - Land owners within Albion Town to get $80,000 per acre (I know a fella who has got 100 acres).
    - Values of surrounding properties should increase by a quarter of their existing value.
    - I think it is Partridge St that will be extended through to Park St and Partridge St will become the main shopping strip.
    - De-watering to 7m.

    Given that we are already built out with the Morgan Fields development my own view is to sit it out and just see how things pan out. At the end of all this, our property could end up providing us with a comfortable retirement. [​IMG]

    Regards...Murray
     
  16. beccy

    beccy Well-known Member

    that 100 acres would be very very hard not to sell. even if just off half of it would be sooo tempting.
    How far out of perth (or Midland) is it?

    -bec-
     
  17. Murray

    Murray Well-known Member Staff Member

    Hi Beccy,

    Yes some people just have all the luck. It is just past the Whiteman Park main entry on the opposite side of Lord St. going towards Ellenbrook about 10mins from Midland.

    Regards...Murray
     
  18. beccy

    beccy Well-known Member

    he has got 100 acres out there!!!!!!! that is soo close. some people just get lucky hey!

    -bec-
     
  19. Denny

    Denny Well-known Member

    Murray has that property been involved in some issues with financial institutions? If its the one I'm thinking of it has really been let go lately. (All the pasture or lack of!)

    Its scary to think that there will be high density house thru there. I won't really have many places to ride!!
     
  20. Murray

    Murray Well-known Member Staff Member

    Hi Denny,

    I haven't heard anything on the grapevine about that as yet. About the only place we have available for riding will be Whiteman Park and even that won't last with the development of the Perth/Darwin highway. When we first came out here to live there were no fences and we could ride anywhere we liked. I am now thinking of buying a second property further out just for spelling/riding. Perhaps something that backs on to or is close to a national park would be nice.

    Regards...Murray
     

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