The healing potential of horseback riding has been known for thousands of years. Documentation of the therapeutic value of riding can be found as early as 600 BC, and later also in the writings of the Greek physician and philosopher Hippocrates, in which the benefits of horse riding were described, from a way to improve health and general feeling to a therapeutic way that can help people with disabilities.
In modern times, classical therapeutic riding combines three main therapeutic areas: medical, educational and sports, and is divided into two main parts - rehabilitative cycling for those with physical disabilities or therapeutic cycling for those with emotional, motor and behavioral difficulties.
The basis of the treatment is the relationship between the rider and the horse, with the instructor being the link between the two. This important role imposes a huge responsibility on the therapeutic riding instructor, both in the therapeutic aspect and in the performance technical aspect of performing the treatments. This therapeutic activity, along with its essentiality, is still accompanied by quite a few risks. We at the national collective have created a dedicated professional liability policy for the subject.
Like any activity performed with patients, therapeutic cycling instructors are also exposed to lawsuits from patients or their parents in case of injury or damage caused during the treatment. This is doubly true when it comes to therapeutic riding, which involves a third party - the horse, which makes the treatment more complex and the risks higher.
The therapists in therapeutic riding are subject to a number of risks that accompany the profession and for which they may be sued by the patients.
In the mental aspect of the treatment - like any therapeutic procedure, a gap can arise between the interpretation the patient gives to the treatment and the way the therapist sees him, and the therapist can be sued for the mental damage caused to him as a result of the treatment. In the motor aspect - during riding various accidents may occur such as the patient falling from the horse or the horse hitting the patient by kicking or biting. Cases like these can end in injuries or fractures, but can equally cause irreversible damage. In order to be protected in these cases, you must have professional liability insurance for therapeutic riding therapists.
A professional liability insurance policy for therapeutic riding instructors was built by the national collective's professional liability insurance experts after years of experience and extensive knowledge in the field. The policy provides professional and third-party liability insurance for practitioners in the field, who have a certified trainer certificate from the Wingate Institute or the Sports Authority.
Instructor responsibility
Therapeutic riding is mostly intended for children and youth with physical disabilities or for those with emotional, motor and behavioral difficulties. This fact makes the instructor's role even more important - in addition to the goals he must achieve as a therapist, he is obligated to maintain the safety, safety, and physical and mental health of the patients.
An important part of the instructor's role is to foresee the risks and chances of injury, and to do as much as he can in order to reduce them:
Therapeutic cycling instructors are exposed to lawsuits from patients or their parents in case of injury or damage caused during the treatment.
When it comes to therapeutic riding, which involves a third party - the horse, it may be more complex and the risks higher.
The therapists in therapeutic riding are subject to a number of risks that accompany the profession and for which they may be sued by the patients.
* For holders of a certified trainer's certificate from the Wingate Institute or the Sports Authority
A professional insurance policy for therapeutic riding instructors is intended for all those engaged in the position of therapeutic riding instructors, both privately and as part of various therapeutic frameworks, and who have a certified trainer certificate from the Wingate Institute or the Sports Authority.
The liability limit of professional insurance policies for therapeutic riding instructors ranges from NIS 250,000 to NIS 3,000,000. When choosing a professional insurance policy, you must choose an offer that is adapted to the nature of your activity and the extent of the risks that exist in your work.
The best way to make the decision on the components of the insurance and the limit of liability is by consulting with experts who are familiar with it. We invite you to come and consult with the national collective insurance agency, which specializes in professional insurance solutions, and examine which policy is right for you.
You can contact us directly by phone or by leaving details, and the professionals of the national collective will tailor a professional liability policy for therapeutic riding instructors that will give you comprehensive and full protection at a very affordable cost.
If in the past fitness trainers mainly focused on working in gyms, while
The grooming sector is in constant bloom, alongside traditional men's barbershops
The national collective
From Beit Elia Nabati Insurance Agency Ltd
The national collective
From Beit Elia Nabati Insurance Agency Ltd
Phones of insurance companies
Forms to download
service providers in the agreement
The main rate of paid services
Below is an explanation of the terms of the policy (the most comprehensive and best in the country). It is important to know that the above policy was built after years of experience and extensive knowledge in the field.
Third party insurance includes professional liability for bodily injury only:
Liability limit per case: varies according to the table below
The insurance covers the operator's legal liability.
Deductible: NIS 4,000 only
Deductible for ages 4-7: NIS 6,000 only
Deductible for a swimming coach: NIS 9,000 only
Conditions for coverage:
insured without claims
The insured holds a certified trainer's certificate from a recognized institution
subject to a first aid certificate
Subject to a health declaration, if one of the trainee's answers is positive, he will have to bring a doctor's certificate.
Limited to groups of 40 trainees
Training age starting from 4 years old
Will not apply to professional sports
Regarding swimming coaches, the following conditions will apply:
There is a qualified lifeguard in the pool - as required by law
The pool meets the legal requirements regarding licensing and licenses
An additional 50% premium will be charged for each additional coach
The program will not apply to extreme activities/adventure sports as well as to the sports classes listed below:
adventure / extreme sports
Skiing - water, snow
air gliding
abseiling
Parkour
omega
Bungee jumping
Paragliding / Kitesurfing
water hockey
Wall climbing
Skateboards and roller blades
The coverage will not apply to the following sports:
road race
Ice skating
Football
Basketball
Cycling
Opening a case: subject to a one-time payment.
Over 5 payments there are credit fees.
Subject to the terms of the policy.
T.L.H
It is important to know that the above policy was built after years of experience and extensive knowledge in the field, in order to provide a comprehensive response to the injuries caused in the kindergarten!
A. Third party insurance: NIS 105
Liability limit per case 2,500,000 NIS - for the whole year 5,000,000 NIS.
There is also an additional third party insurance (umbrella insurance that covers all kindergartens in the collective) within the limits of liability of:
$1,500,000 per event and $6,000,000 per period - extended at no additional cost
The insurance covers the kindergarten's legal responsibility towards: the children, the parents, or any stranger who enters the kindergarten, and is injured during their stay in the kindergarten/nursery.
The policy also includes legal expenses above the liability limits.
Criminal defense and libel.
Deductible: 600 NIS only.
B. Personal accidents for children: NIS 95 per child per year (coverage is valid during kindergarten activities)
This insurance covers the kindergarten children against injury, God forbid (regardless of whether there was negligence) according to the following breakdown:
1. 580,000 NIS for disability from an accident.
2. 150,000 NIS in case of death (God forbid).
3. NIS 40,000 for medical expenses not included in the health basket.
4. NIS 200 for each day of hospitalization for up to a month. (over 3 days)
5. Also, the policy will cover compensation for the school fees for up to 3 months, due to the absence of a child due to an accident that happened as part of the activities in the kindergarten.
Deductible: 3 days.
Includes: unlimited activity hours, outdoor activity (every 10 children a responsible adult) car accidents, terrorism.
Subject to the terms of the policy
third. Employers liability insurance at no additional cost, coverage of $5,000,000
d. Content insurance and business structure
200,000 NIS content
350,000 NIS structure
Includes water damage to the structure and contents, glass panels, fire, burglary, simple theft.
at no additional cost.
This section can be expanded according to the customer's requirement.
Natural damage deductible $2500. Earthquake $7,500
Cancellation of deductible for third-party damage and employers' liability 135 NIS per year (not included in the offer)
God. Personal accident insurance for kindergarteners, 24 hour coverage!!! (not included in the offer)
and. 163,500 NIS - death from an accident,
163,000 NIS - disability from an accident,
4,500 NIS monthly compensation,
282 NIS,
218,000 NIS - death from an accident
218,000 NIS - disability from an accident
Monthly compensation 6,000 NIS
376 NIS,
272,500 NIS - death from an accident
272,500 NIS - disability from an accident
Monthly compensation NIS 7,500
470 NIS,
Compensation from the 3rd day!
G. Coverage for days of illness / accident (not included in the offer)
Compensation of 900 per week for up to 90 days.
(Accident from the 8th day. Illness from the 15th day)
This section does not cover: hernia, back pain, cosmetic events, riding two-wheelers/atvs and dangerous hobbies.
It is important to know that the above policy was built after years of experience and extensive knowledge in the field.
Third party insurance':
This chapter covers the insured's legal responsibility towards the public for operating a home camp
The children are a third party to the insured and are considered third parties to each other.
Coverage: 1,000,000 NIS per event
2,000,000 NIS for the period
Extension to this coverage up to 6,000,000 NIS for the insurance period.
- including food poisoning.
- including professional liability.
Deductible: 600 NIS only.
personal accidents insurance:
This chapter covers the children of the summer camp for bodily injury during their stay at the summer camp.
Coverage: accidental death 137,000 NIS
Disability from an accident 300,000 NIS for complete and permanent disability.
5,000 NIS reimbursement of medical expenses that are not covered by the health fund
including evacuation by ambulance.
100 NIS deductible
Employer liability coverage:
This chapter covers your liability for hired workers at the summer camp
Liability limit per case and period: $5,000,000 - a cost of 110 NIS per employee
Payroll workers
The policy does not cover activities in the field / type B:
Beaches, marine activities of any kind, pool events, river/river, amusement parks, water and amusement parks of all kinds,
Adventure sports (mountain climbing, cave cliffs, climbing walls, bungee, abseiling, snow skiing, horse riding, parkour,
Archery, activities include climbing above 0.5 m, riding mountain bikes, electric bikes, using foam/soap/water bubble guns,
Pyrotechnics, fireworks, (except firecracker sticks, dry ice and balloon fireworks), dangerous substances
and use of fire.
** Liability coverage will be given to the employee with a payslip only
**For the avoidance of doubt, the liability of the subcontractors is not covered,
**The right of replacement will not be waived against subcontractors of any kind.
** This form is only an extract and is subject to policy conditions only - T.L.H**
Third party insurance'
This chapter covers the insured's legal responsibility towards the public for operating a home key fob. The children are a third party to the insured and are considered third parties to each other
coverage:
- 1,000,000 NIS per event
- 2,000,000 NIS per period
personal accidents insurance
This chapter covers the children of the daycare center for bodily injury during their stay in the daycare center
Coverage:
- Death from an accident 137,000 NIS
- Disability from an accident 300,000 NIS for complete and permanent disability
- 5,000 NIS reimbursement of medical expenses that are not covered by the health fund
- including evacuation by ambulance
- Deductible NIS 100
The policy does not cover activities of any kind on beaches, marine activities of any kind, pool events, river/river, amusement parks, water parks and amusements of all kinds.
* Coverage up to 6 children only
** For the avoidance of doubt, the liability of the subcontractors is not covered
** The right of replacement will not be waived against subcontractors of any kind
** This form is only an extract and subject to policy conditions only - T.L.H