S.L. 499.66 Art. 24Conditions related to horse riding schools. Requirements in respect of insurance policy and limit of liability.

(1) Any person who administers a school intended to teach horse-riding shall be obliged to ensure that the following requirements are observed at all times:

(a) without prejudice to the generality of regulation 4, the operation of the horse-back riding school shall be covered by a policy of insurance in respect of third party risks as complies with sub-regulation (2) of this regulation;

(b) any horse guide employed to teach horse-riding to learners shall be at least eighteen years of age and must hold a Licence Z;

(c) children under the age of ten shall only be allowed to ride a horse for the purpose of learning horse-back riding if accompanied by an adult and on a lead;

(d) all riders shall wear a safety helmet and all animals used by learners shall be equipped with a safety rein;

(e) a horse guide shall not have more than two horses on a lead at any time; and

(f) no learner shall ride on any animal for the purpose of learning horse-back riding on any arterial or distributor road established by the Authority except for the purpose of crossing from one road to the other: Provided that during such crossing the animals on which the learners are riding shall be held by the horse guide on a lead.

(2) Any person who administers a school intended to teach horse-riding shall keep in force at all times a policy of insurance issued by an authorised insurer which indemnifies the horse-riding school specified in the policy in respect of any liability which may be incurred by such school in respect of the death of or bodily injury to any person (including horse guides and instructors engaged by the school, as well as learners and clients benefiting from the services offered by the horse-riding school) and, or damage to any property resulting from any accident which occurs in the course of the operation of the business of the horse-riding school, for a total liability which shall not be less than five hundred thousand euro (€500,000) for each claim, irrespective of the number of parties involved or the nature of the damage.