Insurance Providers

Insurance Providers

  • All horse-drawn carriage services are not created equal
  • Things you should always ask on a application
  • Do they or don’t they
  • Where to learn more
  • How to spot the BEST Operator(s)

Insurance Providers

  • All horse-drawn carriage services are not created equal

The horse drawn carriage industry by nature appeals to a diverse number of people with different reasons for getting into the business. It encompasses everything from those that imagine it as a get rich quick scheme with that as their motive, to a person retiring from another job that thinks it would be a fun way to earn a little pocket cash. It even includes some who get a sense of celebrity from the attention a horse and carriage brings to them.

It is always a high expense/ low return business for those putting their horses first. There isn’t really any room for pie in the sky reasons to be involved in horse drawn carriage service. Having the wrong sort of goals is a recipe for disappointment in a business involving large expensive to maintain animals. Putting the horses first is of paramount importance. They are literally the gears in the cog that keep everything moving. When the motive is to share the horses with the public, make beautiful memories, photos, and put smiles on faces while doing it safely and competently operating a horse drawn carriage service can be rewarding.

Along with the rewards comes a great deal of responsibility. Using a 1,500-2,000lb horse around the public that are mostly unaware of the potential danger is not something anyone should take on without a great deal of firsthand experience. Having the wrong motivations causes problems on many levels. Those that skip educating themselves tend to have accidents, engage in risky practices, and partake in less than stellar horse care. Commercial horse drawn carriage is no place to be flying by the seat of your pants.

There are also companies that have never had an accident and have kept that perfect safety record for decades. This fact is no mistake. It comes with a heartfelt desire to do the best job possible, educate oneself, a desire to be in the business for the long haul, and a willingness to put forth the concentrated effort to make that happen.

Unfortunately there has not been any way for insurance providers to know who is who. As a result today there are less than a handful of companies that will actually write affordable liability insurance for horse drawn carriage companies. We here at B.E.S.T are here to help you know what kind of questions to ask on your insurance applications so that you at least may determine what kind of applicants you are underwriting insurance for. We hope that in doing so we might prove to our insurance providers that B.E.S.T. member companies are not problematic and you can insure us with a great deal of confidence.

  • Things you should always ask on an application:

Click here (ten C’s)

  • Do they or don’t they?

Our guidelines are a good way to determine whether or not an applicant is knowledgeable without having to be knowledgeable yourself. This was put together this way intentionally. Just by having access to the right answers on the test you should be able to figure out how safety minded a company is and whether or not they know the finer points of professional horse drawn carriage operations. This should give you a true idea of “do they? Or… don’t they?” and if they are a risk that you as the insurer are willing to assume.    

  • Where to learn more

( Links to our B.E.S.T test questions)