If you don't know the basics yourself its hard to know who is a good bet to insure and who is a bad bet. Complicating that fact is driving a horse to a carriage is fast becoming a lost art. Those that know how to do it correctly are becoming more and more scarce.
That is why we here at B.E.S.T. have put together this website and organization to guide you to at least know the basics of safe horse drawn carriage operations.
We support the long standing and proven methods laid out by every equine driving program on the globe. There are basic things they all agree on and you as an insurance provider should know as well.
Its the least we can do and are happy to share that wisdom with you!
Anyone who has ever trained a horse understands the logic of make the right thing easy and the wrong thing hard. Horses, dogs and even very young children figure out to do the right thing in short order.
We feel this applies to just about everything in life. When it comes to insuring a horse drawn carriage company it might be wise to employ a little of this horse training logic.
Make sure you know the most basic rules of safe equine driving. It doesn't take a rocket scientist to figure out that walking away from a two thousand pound horse attached to a thousand pound carriage on wheels spells disaster should that horse decide to leave the area.
Likewise putting passengers in a carriage before the driver is seated and in control should be obvious to anyone.
Reward your safe operators they are the ones that pay for insurance and never need to use it.
Carriage drivers should:
1) Never leave horses unattended.
Horses should be under direct in hand control at all times while hooked to a carriage
2) Never load or allow passengers in a carriage before the driver is seated and in control of the horse. It is not "ok" for a driver to be on the ground while people are in the carriage for any reason or any length of time no matter how quickly it might be done.
3) Never remove a bridle from a horse that is still attached to a carriage.
4) Never operate a horse drawn carriage while under the influence of legal or illegal substance that affects alertness.
5) Never allow clients in the drivers seat, or on the horses back. Always supervise the public around your horse.
Knowing the right questions to ask and knowing basic equine safety protocol will help you immensely in understanding who and what you are insuring.
We understand that typically insurers are not well versed in safe horse drawn carriage operating protocol. We are here to help you with that!
Rather than risk finding ourselves either priced out or unable to secure a liability policy we seek to work with you in helping you understand what is and is not a safe way to conduct our business.
You will surely find yourself having some questions. So just shoot us an e-mail and we will get back with you.
We have mentioned the most frequent infractions we see here several times. None of them should be happening yet they are and they are causing accidents and claims.
The most unfortunate thing about these infractions is they are 100% preventable. There is literally no reason they should ever be happening.
So who does and who does not? Well...the easiest way to figure that out is to look at their social media and/or websites.
Insurance underwriting companies are already doing this so if you are a provider that is not you may want to consider doing so.
We at B.E.S.T. are here to help! If you are a liability insurance provider or considering becoming one for the commercial horse drawn carriage industry and just do not know enough about it to feel comfortable, PLEASE send us an SOS.
We have spent countless hours and effort researching the causes of most carriage accidents and how many of them can be avoided altogether.
We will share with you our combined experiences and are more than happy to assist you in recognizing a well run and safety minded carriage company, as well as
how to quickly spot the ones that throw all caution to the wind.