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Re: [RC] Liability in lessons for barn work trade - D'Arcy Demianoff-Thompson

Thank you, Edna, this is all the same here in CA.  With one more caviate!  Workmen's Compensation!  We have to assess the amount of 'traded' labor and we have to pay WC on that amount.  There is lies the rub.  You can not hire a minor under the age of 15.5 even for 'traded' labor.  This also includes FAMILY members.  I was shocked when I read that last year.  They finally found a way to tax family!  LOL!

On Sat, Sep 27, 2008 at 7:15 AM, edna leigh libby <redponyfarm@xxxxxxxxx> wrote:
I am in Maine. I have Liability insurance on my boarding farm. I am required to carry a separate rider on my policy for lessons. I also have to have release forms for everyone who takes a lesson or just a pony ride. If the student or client is under 18 the parent or gardian has to sign.

Labor is a whole different topic. I have to carry a third rider for "seasonal Labor" which is expensive in Maine. (~ 500.00 per year per worker).

If you have "Farm Insurance" then you can expect your agent to be up to date on the laws in your state and know how best to protect your interests in all the various arrangements needed to operate an equine facility of any size. Mine will always direct me to a lawyer for drawing up the paperwork for contracts.

Better to spend the time on the research than be caught by surprise with a fine or a law suit.

It shouldn't be so complicated! I'd love to have more of the kinds of arrangements you are contemplating. Not only for my benefit, but, what a great experience for kids!!


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D'Arcy L. Demianoff-Thompson

"All changes, even the most longed for, have their melancholy; for what we leave behind us is a part of ourselves; we must die to one life before we can enter another." -- Anatole France

RE: [RC] Liability in lessons for barn work trade, edna leigh libby