Liability in Horse Riding: What to Do?

Questioner

I am organizing a horse riding event. Do I need to take out (accident/liability) insurance for participants? Or can I avoid this by including a clause in the registration form (e.g. 'participation is at your own risk')?

Lawyer

I advise you to take out insurance. Unfortunately, the clause does not ensure that you cannot be held liable. As an organizer, you continue to have a duty of care.