Riding Academies

What Does GL Code 47221 Cover?

ISO GL class code 47221 covers businesses operating riding academies, equestrian schools, and horse training facilities. This code specifically classifies operations that provide horse riding instruction, horse boarding with training services, and other related equestrian activities where the public or clients participate. It addresses the general liability exposures associated with the care of horses and the instruction of riders.

Who Uses This Class Code?

Businesses falling under this code include equestrian centers offering riding lessons for various disciplines like dressage, show jumping, or Western riding. It also applies to horse boarding facilities that provide training services, therapeutic riding programs, and independent riding instructors operating their own academies.

Common GL Claims for This Class

Common claims include rider injuries from falls or horse behavior, property damage caused by horses to client vehicles or facilities, and allegations of negligence related to instruction or horse matching.

Coverage Tips for Code 47221

• Ensure robust liability waivers are signed by all participants, clearly outlining the inherent risks of equestrian activities, and review them regularly with legal counsel.
• Verify that your General Liability policy includes coverage for "Care, Custody, or Control" of non-owned horses, as this is a common exclusion that can leave a significant gap for boarding facilities.
• Implement and document strict safety protocols for horse handling, riding instruction, and facility maintenance to mitigate risks and demonstrate due diligence in the event of a claim.
• Consider an Animal Bailee coverage endorsement if you board horses, as standard GL policies often exclude damage to property of others in your care, custody, or control.