stable and boarding insurance

["holzer" <holzer@hal-pc.org>]

Does anyone know what is covered under "stable and boarding" liability
insurance? A group of riders at our stable is trying to get a dressage
instructor to teach at the stable where we keep our horses but the owner
says that in order for him to be insured for liability in the event of an
accident while the instructor is teaching, that the instructor either needs
to have her own insurance or buy additional insurance from the owner's
carrier.  The dressage instructor says that in order for her to obtain
coverage at our stable she has to pay an additional premium and that given
the expected use of her services, it is not financially practical.  The
owner is repeating what his insurance agent told him--and it is clear that
his insurance agent wants to sell more insurance.  I have requested that
the owner furnish me with a copy of his insurance policy so we can read the
fine print and find out what is covered and what is not covered but the
owner has refused to provide a copy of the policy.  If we contract directly
with the instructor and the owner is not providing lessons, I would think
the owner would be covered in the unlikely event of an accident.  Any
opinions, experiences or knowledge about the equine liability insurance
business out there?  I was furnished with a one page rider to the Great
American policy which added "stable and boarding" to the farm insurance
coverage.  Joe Holzer