"State Liability Statutes"



  § 8140. Liability of persons involved in equine activities.S


(a)  For purposes of this section, the following terms shall have the meaning ascribed herein: 


(1) a. "Engages in an equine activity" means riding, training, assisting in medical treatment of, driving, or being a passenger upon an equine, whether mounted or unmounted or any person assisting a participant or show management. 


b. "Engages in an equine activity" does not include being a spectator at an equine activity, except in cases where the spectator places such spectator's person in an unauthorized area and in immediate proximity to the equine activity; 


(2) "Equine" means a horse, pony, mule, donkey or hinny; 


(3) "Equine activity" means: 


a. Equine shows, fairs, competitions, performances or parades that involve any or all breeds of equines and any of the equine disciplines, including, but not limited to, dressage, hunter and jumper horse shows, grand prix jumping, three-day events, combined training, rodeos, driving, pulling, cutting, polo, steeplechasing, English and western performance riding, endurance trail riding and western games, and hunting; 


b. Equine training or teaching activities, or both; 


c. Boarding equines; 


d. Riding, inspecting or evaluating an equine belonging to another, whether or not the owner has received some monetary consideration or other thing of value for the use of the equine or is permitting a prospective purchaser of the equine to ride, inspect or evaluate the equine; 


e. Rides, trips, hunts or other equine activities of any type, however informal or impromptu, that are sponsored by an equine activity sponsor; and 


f. Placing or replacing horseshoes on an equine; 


(4) "Equine activity sponsor" means an individual, group, club, partnership or corporation, whether or not the sponsor is operating for profit or nonprofit, which sponsors, organizes or provides the facilities for an equine activity, including, but not limited to, pony clubs, 4-H clubs, hunt clubs, riding clubs, school and college-sponsored classes, programs and activities, therapeutic riding programs, and operators, instructors and promoters of equine facilities, including, but not limited to, stables, clubhouses, ponyride strings, fairs and arenas at which the activity is held; 


(5) "Equine professional" means a person engaged for compensation: 


a. In instructing a participant or renting to a participant an equine for the purpose of riding, driving or being a passenger upon the equine; or 


b. In renting equipment or tack to a participant; 


(6) "Inherent risks of equine activities" means those dangers or conditions which are an integral part of equine activities, including, but not limited to: 


a. The propensity of an equine to behave in ways that may result in injury, harm or death to persons on or around them; 


b. The unpredictability of an equine's reaction to such things as sounds, sudden movements, and unfamiliar objects, persons or other animals; 


c. Certain hazards such as surface and subsurface conditions; 


d. Collisions with other equines or objects; and 


e. The potential of a participant to act in a negligent manner that may contribute to injury to the participant or others, such as failing to maintain control over the animal or not acting within the participant's ability; 


(7) "Participant" means any person, whether amateur or professional, who engages in an equine activity, whether or not a fee is paid to participate in the equine activity. 


(b)  Except as provided in subsection (c) of this section, an equine activity sponsor, an equine professional or any other person, which shall include a corporation or partnership, shall not be liable for an injury to or the death of a participant resulting from the inherent risks of equine activities. Except as provided in subsection (c) of this section, no participant or participant's representative shall make any claim against, maintain an action against or recover from an equine activity sponsor, an equine professional or any other person for injury, loss, damage or death of the participant resulting from any of the inherent risks of equine activities. 


(c) (1)  This section shall not apply to the horse racing industry as regulated in Title 3. 


(2) Nothing in subsection (b) of this section shall prevent or limit the liability of an equine activity sponsor, an equine professional, or any other person if the equine activity sponsor, equine professional or person: 


a. 1. Provided the equipment or tack, and knew or should have known that the equipment or tack was faulty, and such equipment or tack was faulty to the extent that it did cause the injury; or 


2. Provided the equine and failed to make reasonable and prudent efforts to determine the ability of the participant to engage safely in the equine activity and determine the ability of the participant to safely manage the particular equine based on the participant's representations of the participant's ability; 


b. Owns, leases, rents or otherwise is in lawful possession and control of the land or facilities upon which the participant sustained injuries because of a dangerous latent condition which was known or should have been known to the equine activity sponsor, equine professional or person and for which warning signs have not been conspicuously posted; 


c. Commits an act or omission that constitutes willful or wanton disregard for the safety of the participant, and that act or omission caused the injury; or 


d. Intentionally injures the participant. 


(3) Nothing in subsection (b) of this section shall prevent or limit the liability of an equine activity sponsor or an equine professional under either product liability or trespass claims. 


(d) (1)  Every equine professional shall post and maintain signs which contain the warning notice specified in paragraph (2) of this subsection. Such signs shall be placed in clearly visible locations on or near stables, corrals or arenas where the equine professional conducts equine activities if such stables, corrals or arenas are owned, managed or controlled by the equine professional. The warning notice specified in paragraph (2) of this section shall appear on the sign in red and white, with each letter to be a minimum of 1 inch in height. Every written contract entered into by an equine professional for the providing of professional services, instruction or the rental of equipment or tack or an equine to a participant, whether or not the contract involves equine activities on or off the location or site of the equine professional's business, shall contain in clearly readable print the warning notice specified in paragraph (2) of this subsection. 


(2) The signs and contracts described in paragraph (1) of this subsection shall contain the following warning notice: 



"I have been in the horse business for 16 years. Once I found Ruth Jacobi and Georgia Braithwaite with Jacobi Group Equine Insurance, I never used anyone else! They have come to feel like personal friends to me through the years. They are very personable and caring. I always feel treated as an individuaI, enjoying chatting with these women about horses as well as multiple other subjects. They are bright, and very knowledgeable about horses in general ,as well as, advising me well on coverage needed per specific situation. I recall a time in which I had asked for their guidance on insuring a horse transporting across country. We agreed on a policy. When the horse arrived in Virginia from Arizona, he experienced a serious colic episode. I called Ruth and I had gotten coverage which would cover the associated expenses. She had tailored the policy just as I had needed. I would recommend this agency to any horse operation, large or small. I have been asociated with both and have always been treated with the same validation and respect."

Devoted customer, Helen Slater, Suffolk, Va

Contact the Jacobi Group
Phone: 1-800-355-4868
FAX: 1-928-649-3879
EMAIL: info@horseinsure.com
Postal Service:
1395 S. Bates Lane, Cottonwood, AZ 86326.

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