This information shows that equine activities can take their toll on people. We must strengthen our resolve to proactively avoid these problems through education and the implementation of safe practises.

Liability Losses:
(horse causing injury or damage to others resulting in an association member being sued)
The following table shows 15 of the losses that have recently occurred. These statistics show that the majority of serious liability claims result from three things:

1. Insufficient caution when a horse is in close proximity to other people or property.
2. Relinquishing control of a horse to others who may not be familiar enough with the horse or may not be experienced enough with equines in general.
3. Unsuccessfully confining the horse within the premises (fences and/or gates)

Solution - Excercise great care and awareness when your equine is in close proximity to others and make every effort to assure that your equine cannot escape the confines you provide.

Item		Description of Loss

1. Liability - Member’s horse kicked a friend breaking their back.
2. Liability - Person lost sight in one eye when kicked by their own horse while riding on a member’s property.
3. Liability - Member's horse threw it's rider and escaped onto road where it was struck by vehicle. Injury to passenger in vehicle.
4. Liability - Member’s horses escaped onto the road & hit vehicle.
5. Liability - Member's horse kicked a parked vehicle.
6. Liability - Member's horse knocked a lady off her horse injuring her.
7. Liability - Third Party vehicle struck 2 horses which had wandered onto roadway. Third Party looking to owners of horses for payment of his damage.
8. Liability - Member's horse injured a person's neck & hand in a feed room.
9. Liability - Person was riding member's horse in indoor arena, fell off horse and was kicked fracturing her back.
10. Liability - Person was thrown from her horse and fractured back during an event. Our member was a technical delegate for event.
11. Liability - Person's teeth damaged when the portable pen fell over and hit her in the face.
12. Liability - Member's horse damaged third party vehicle.
13. Liability - Member's horse damaged third party vehicle.
14. Liability - Person's own horse trampled her son after she had put the horse out for extra grazing on a member's property.
15. Cargo Loss. When a member was transporting her brother-in-law's horse, it put its' foot through wood deck floor in back of truck, broke leg & had to be put down.

Accidental Death Dismemberment or Disability Losses:
(accidents resulting in injury to a member)

The following table shows 16 of the losses that have recently occurred. These statistics show that the injuries to members caused by their own horse give rise to questions concerning horsemanship, and safe practices such as riding within one's capabilities. The exposures to being thrown, kicked, stepped on, bitten or pinned against other objects are causing serious injury to our own members by their own horse.

Solution - Excercise great care and awareness in the presence of an equine to minimize the potential for an accident.

Item		Description of Loss

1. AD&D - Member was rendered quadriplegic when thrown from her horse.
2. AD&D - Member was thrown from horse, requiring physio-therapy.
3. AD&D - Member fell off horse, requiring ambulance and physio-therapy.
4. AD&D - Member fell off horse & hurt his shoulder requiring physio-therapy.
5. AD&D - Member was kicked in the face by her own horse requiring dental work.
6. AD&D - Member fell from horse sustained fractured hip.
7. AD&D - Member sustained mild concussion, neck & shoulder injuries when she was thrown from her own horse.
8. AD&D - Member was knocked down by her horse after dismounting due to the horse being spooked. The horse stepped on her head-cracking her helmut-eye & cheekbone.
9. AD&D - Member was kicked by her own horse & sustained a broken leg, incurring physio-therapy & medical aid costs.
10. AD&D - Member was loading her horse into a trailer when it stepped on her heel and severed her tendon.
11. AD&D - Member was thrown from horse through the fence.
12. AD&D - Member sustained eye injury when he was leading neighbor's horse off of highway.
13. AD&D - Horse reared over backwards. Member fell off incurring severe head injuries.
14. AD&D - Member thrown from horse at an event and broke pelvis.
15. AD&D - Member had permanent teeth knocked out while taking riding lesson.
16. AD&D - Member sustained back injury when thrown by own horse.

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