I get asked all the time: why do I need commercial liability insurance for my equine business? Savvy business owners know that Pennsylvania, West Virginia, and the majority of all other nearby states have an equine “shield” law that essentially says horseback riders ride at their own risk. But that does not completely protect your equine investment.

Use horse sense—get sound legal advice before buying or selling a horse. Attorney Allison J. Farrell explains.

A horseback riding accident can happen in the blink of an eye. One moment, you are happily trotting down a trail. The next moment, you are flying head first into the unforgiving trunk of a tree. What the heck just happened?