The definition of liability is “the state of being responsible for something, especially by law”. Sadly, the holiday season can bring out both the best and worst in folks leaving some horse owners subject to losses they weren’t expecting. Lately, we’ve heard numerous stories from clients who have hired “equine” contractors or services only to find they had no avenue for restitution when things went awry. The one question we always ask them is “was your service provider insured” and often find our clients don’t know or didn’t ask. Bottom line…..anyone completing work on your horses or your property should have liability insurance to protect YOU. Be sure to ask….and bypass some of the holiday scrooges!