Clubs--Horseback Riding--No Commercial Riding Instructions

What Does GL Code 41664 Cover?

ISO GL class code 41664 specifically covers clubs dedicated to horseback riding, excluding any operations that involve commercial riding instructions or lessons. This code is applied to organizations where members engage in recreational horseback riding activities, focusing on the social and athletic aspects of the sport without offering paid instructional services to the public. It classifies the general liability exposures associated with maintaining facilities, organizing rides, and managing club activities for its members.

Who Uses This Class Code?

This code is primarily used by private horseback riding clubs, equestrian associations, and recreational riding groups that provide facilities and organize events for their members. Examples include local saddle clubs, private hunt clubs, and non-profit equestrian societies where the primary activity is members riding their own horses or club-owned horses for leisure, sport, or competition, without a commercial instruction component.

Common GL Claims for This Class

Common claims for horseback riding clubs include participant injuries from falls or animal behavior, property damage caused by horses, and liability arising from trail riding incidents or facility-related hazards.

Coverage Tips for Code 41664

• Ensure your policy explicitly covers participant liability, as injuries to members or guests during riding activities are a primary exposure for horseback riding clubs.
• Verify that your property coverage includes care, custody, and control for any horses not owned by the club but housed on its premises, as this is often a common exclusion.
• Implement robust waiver and release forms for all participants, and ensure they are legally sound and regularly updated to mitigate liability risks, especially in Florida.
• Understand the audit basis for your policy, which is typically gross receipts; accurate record-keeping is crucial to avoid unexpected premium adjustments.