Businesses often make the mistake of not buying insurance specifically geared toward their equine operation. DeTurk described one situation where a client purchased a farm/ranch policy because it was cheaper.

“He had a student fall off her horse during a lesson and the farm/ranch policy denied the claim,” she said. “The policy was not endorsed specifically to cover lessons, which was one reason why it was cheaper.

“The policy became a lot more expensive when the business owner had to hire his own attorney.”