 Spring is in full swing as is the show season. The weather across the country is showing signs of improvement and yet despite wind and rain we continue to train our horses and ourselves. Lynn Palm's series continue with details of Training Level Test 1. We have included an article that addresses the issue of insurance for trainers. Whether you are a trainer or you are a client, insurance is an essential element in your working relationship. It is often assumed that there is comprehensive insurance coverage. Sadly, many people learn that insurance coverage is either limited or completely lacking only after there has been a claim. A quick check is often all that is necessary. Resources such as our Marketplace (Insurance listings) and Equine Legal Solutions can help provide information relative to insurance in the equine industry.
Best Regards,
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DEVELOPING THE YOUNG HORSE PART 6
 by: Lynn Palm, Palm Partnership Training (TM)
"The Goal-Riding Training Level, Test 1, Part 6
Developing the Young Horse
If you have practiced the exercises given in the previous articles in this series, you should have the skills necessary to practice riding Training Level, Test 1, at home-correct rider position and balance, correct use of the aids, and development of the horse's balance through transitions and bending. Before you even mount your horse to ride the test, however, you need to memorize it. Walking out the test on foot in the arena is an excellent way to memorize it (paying special attention to the 20-meter circles), as is drawing it out on paper. At a show, you may have a "caller" stand at the B or E markers and read the test out loud to you so that you do not have to worry about forgetting a movement, but you still need to memorize it ahead of time.
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Legal & Insurance Advice...
 by: Rachel Kosmal McCart, Lead Counsel,
Equine Legal Solutions, Inc.
What Kind of Insurance Does a Trainer Need? If you are training horses and receiving compensation for training, you will need insurance. Although Equine Legal Solutions is a law firm and does not sell insurance, we often assist clients in determining their coverage needs and in negotiating coverage issues with their insurers. Here are the types of insurance we recommend, and reasons why they are advisable to have.
Care, Custody and Control Insurance
If you have horses in training and are primarily responsible for their care, you need care, custody and control insurance. CCC insurance is very limited in scope and only provides coverage for injuries to or death of clients' horses in your care. The limits of CCC insurance are typically relatively low and therefore are often well below the fair market value of valuable horses. For this reason, you may want to require your clients to purchase mortality insurance on their horses.
Note that even if you keep your clients' horses at a boarding stable that has CCC insurance, you will still want to have your own CCC insurance. If the facility owner's insurer has to pay out on a CCC claim regarding horses in your care, they may look to you to recoup their costs.
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