> It says it doesn't cover people who breed, board, train or give lessons. We > don't board, train (except our own) and I don't give lessons, but I suppose > that breeding even a few foals every few years disqualifies us. Do you > know, Laree?
It is my understanding that if you are engaging in an activity that would be termed a "business" activity - such as teaching a lesson, then you are not covered during that lesson time but if you are on a trail ride, riding your own horse and a friend is also riding one of your horses (not paying you a fee for it) and that friend gets injured, then you are covered. I will get clarification for you... I think the breeding issue comes into it if you are earning your living breeding horses - not just doing a little hobby breeding - which you would described as doing. -- Laree in NC Doppa & Mura Simon, Sadie and Sam (the "S" gang) "Yet when all the books have been read and reread, it boils down to the horse, his human companion, and what goes on between them." - William Farley
