From the Executive Desk

Helping Build a Secure Environment for a Thriving Equine Community

Great American believes equine farms represent a sanctuary for equestrian enthusiasts—a space where the beauty of horses harmonizes with the tranquility of nature. However, amid the serenity of these farms lies an inherent responsibility: ensuring the safety of equestrians and visitors. By prioritizing safety measures, equine farms and facilities can foster an environment that is not only nurturing but also free of preventable risks.

A well-maintained facility is the cornerstone of horse farm safety. Stable structures should be regularly inspected to ensure they are free from hazards such as loose boards, sharp edges or compromised roofing. Fencing around the property must be sturdy and appropriately designed to prevent horses from escaping or encountering dangerous areas. Pathways and riding trails should be clear, well-marked and free of obstacles to reduce the likelihood of accidents. Additionally, clear signage and publicly posted rules can help visitors—especially those unfamiliar with horses—navigate the farm safely.

The use of appropriate equestrian gear is a fundamental aspect of rider safety. Helmets and protective vests should be standard requirements for riders of all ages and skill levels. Tack and equipment such as saddles, reins and stirrups must be regularly checked for wear and tear to prevent failures during rides.

Equine facilities must be equipped to handle emergencies effectively. First-aid kits should be accessible at various locations on the farm, and staff should be trained in basic medical response and equine first aid. Emergency contacts and protocols should be clearly displayed to ensure everyone knows how to act in the event of an injury or accident.

Creating a sense of community among riders and families promotes shared responsibility for safety. Open communication about concerns, observations or improvements fosters a collaborative atmosphere. Offering orientation sessions for newcomers, as well as regular safety workshops for riders and families, can further instill a culture of caution and preparedness.

Equine farm owners and staff play a pivotal role in shaping safety standards on the premises. Their vigilance and dedication to creating a secure environment are fundamental to the well-being of riders and visitors. By implementing comprehensive safety policies, offering training programs and maintaining facilities to the highest standards, they demonstrate their commitment to the equestrian community.

The benefits of prioritizing safety at equine facilities extend far beyond accident prevention. A safe environment builds trust among riders, families and staff, fostering loyalty and respect within the equestrian community. It can also enhance the farm’s reputation, attracting more riders and participants. Moreover, peace of mind allows individuals to focus on the joys of equestrian activities, deepening their appreciation for the sport and its surroundings.

Safety is not just an obligation—it’s an opportunity for insureds to thrive. By prioritizing the well-being of riders and other participants, farms can cultivate an environment where equestrian pursuits flourish without compromise. From facility maintenance to education and community building, every measure taken reinforces the idea that safety is the foundation for a brighter and more harmonious equestrian experience.

The information presented in this publication is intended to provide guidance and is not intended as a legal interpretation of any federal, state or local laws, rules or regulations applicable to your business. The loss prevention information provided is intended only to assist policyholders in the management of potential loss producing conditions involving their premises and/or operations based on generally accepted safe practices. In providing such information, Great American does not warrant that all potential hazards or conditions have been evaluated or can be controlled. It is not intended as an offer to write insurance for such conditions or exposures. The liability of Great American Insurance Company and its affiliated insurers is limited to the terms, limits and conditions of the insurance policies underwritten by any of them. Great American Insurance Group, 301 E. Fourth St., Cincinnati, OH 45202. Online portals may not be available at all times. Coverage description is summarized. Refer to the actual policy for a full description of applicable terms, conditions, limits and exclusions. Policies are underwritten by Great American Insurance Company, Great American Assurance Company, Great American Alliance Insurance Company and Great American Insurance Company of New York, authorized insurers in all 50 states and the DC. The Great American Insurance Group eagle logo and the word marks Great American®, Great American Insurance Group®, and AgriBusiness® are registered service marks of Great American Insurance Company. © 2025 Great American Insurance Company. All rights reserved. 5565-AGB (06/25)