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December 2010 - Allegheny West Magazine

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Liability Protection Options forOwners of Boarding/Riding StablesBoarding and riding horses is an inherently dangerous activity. However, there areseveral steps owners can take to assure that should a riding accident occur on theirproperty, they are protected from the loss of their personal assets:Business Structuructure:Although it is perfectly legal to run a business in anindividual’s name, there is no separation between the individual and the risks thatarise through the operation of the business. Relying solely on insurance or merelyposting the property is not sufficient. Therefore, the first step for the owners toconsider is to form a corporation or LLC.Contracts and Waiaiverers:The second step in protecting the owner from liability isto assure the contracts that are used include language that protect the owner fromcertain inherent risks associated with the business operations; and that appropriatewaivers are always used.Statutortutory y Compliance: As with waivers, it is important, in order to maintainimmunity, under Pennsylvania’s immunity law for equine activity, that the property isproperly posted.Insurance: Regardless of all of the above precautions, the business owner willalways need Commercial General Liability and Property and Casualty insurance for thebusiness operation. Policies should be read carefully so the owner knows what is andwhat is not covered.In summary, there are steps owners can and should take to minimize the riskassociated with their equine business operations: the appropriate entity choice; theuse of well written contracts and waivers, statutory compliance and the rightinsurance. If in doubt about how well protected your business operation is, thenseek out the advice of a professional.Lynn R. Emerson, Esquire is the managing attorney of BusinessLegal, PC, alaw firm dedicated to the needs of small businesses and individuals. This articleis published with the understanding that the information provided is of ageneral nature, and that the author is not rendering specific legal advice orcreating an attorney-client relationship. If legal advice is required, contactBusinessLegal, P.C. or an attorney of your choice.Learning Curves is provided as a service by advertisers of <strong>Allegheny</strong> <strong>West</strong> <strong>Magazine</strong> to share educational and/orinformational knowledge with the readership. To inquire about Learning Curves, call (724) 695-3968.Senior Groups in the<strong>West</strong> <strong>Allegheny</strong> Area CommunityOakdaleCommunity CenterContact: 724.693.8540FindlaySenior CitizensContact: 724.695.0500North FayetteSenior CitizensContact: 724.693.3118 or412.788.4888St. ColumbkilleSenior CitizensContact: 724.695.7325ABOVE: Attendees at North Fayette’s Halloween party tookto the dance floor.OAKDALE CENTERLifespan, located at the Oakdale CommunityCenter on Seminary Avenue in Oakdale, offers,besides its daily lunches, bingo, games, and otheractivities. The center is open to seniors age 60 andover. Call (724) 693-8540.<strong>December</strong> <strong>2010</strong> <strong>Allegheny</strong> <strong>West</strong> <strong>Magazine</strong> 35

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