All of us who live and work with horses know that they can be unpredictable and the consequences of this uncertainty can be both tragic and devastating.

There can be no doubt that all coaches should take steps to protect themselves and their families against the consequences of an accident.

In general, people are aware of insurance but do not really consider it a necessity until they are in need of it and it is then too late! There is a misconception that if one does not have large assets they do not need to be insured as no one would gain financially from suing them. EVERYONE HAS ASSETS, whether it is a car, a saddle, equipment, or a future which could be disastrously affected.