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

In Washington, equine law involves the rights and responsibilities of owners, handlers, and riders of horses. An equine liability waiver is an agreement between the owner/handler of a horse and the rider that states that the rider agrees to assume all risks associated with riding the horse and that the owner/handler of the horse will not be responsible for any damages or injuries the rider may incur while riding the horse. An equine liability insurance policy, on the other hand, is an insurance policy which provides financial protection for the owner/handler of the horse in case of any accidents or injuries caused by the horse. This insurance pays for any legal fees, medical expenses, and loss of property that may be incurred as a result of an accident or injury, as well as any damages awarded to the injured party in a court case. In summary, an equine liability waiver is a legal document signed by the rider that releases the owner/handler of the horse from responsibility for any damages or injuries the rider may incur while riding the horse, while an equine liability insurance policy is an insurance policy that financially protects the owner/handler of the horse in case of any accidents or injuries caused by the horse.

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

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