Commercial Equine Liability Insurance grill...?

Previously I taught at a facility with numerous university horses combined with students with their own horses 6 days a week...I currently enjoy only a couple of clients--all of whom own their own horses & lesson on them. I do this part time--about 2 days a week. I institution horses one day and teach the other.
Do I require commercial equine liability insurance? I do not own my own academy horses or teach anyone not on their own horse. Any trainers or knowlegable horse people answer please.
Answers:
You solitary need the liability, if someone sues you. If no one sues you, you don't want the liability coverage.

We have no idea what state you are within, what the state laws are - but, in standard, liability doesn't "go away" just becase you lone teach one day a week.

If you want someone else to repay for your defense lawyer, buy the liability coverage.

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