What is the difference between an equine liability waiver and an equine liability insurance policy?

In Florida, equine liability waivers and equine liability insurance policies are two distinct forms of protection for people who own or work with horses. An equine liability waiver is a document signed by the horse owner or rider acknowledging the inherent risk associated with horses and releasing the owner of the horse from any legal liability. It typically states that the owner is not responsible for any injury or damage caused by the horse, and that the rider assumes all responsibility for any injury or damage they may suffer. An equine liability insurance policy, on the other hand, is a legal agreement between the policyholder and an insurance company in which the policyholder agrees to pay a premium so that the insurance company will cover any financial losses related to injury or damage caused by the horse. This coverage applies both to the horse rancher or stable owner and to the riders. While an equine liability waiver absolves the horse owner from any liability, an equine liability insurance policy provides protection in case of an incident resulting in injury or property damage.

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What is the difference between an equine liability waiver and an equine liability insurance policy?

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