Plaintiff Hurd was injured while training a horse boarded on the defendantís property. The trial court said that the defendantís home ownerís insurance company was not obligated to defend the lawsuit because the injury occurred during a business pursuit, which is excluded from coverage. In this opinion, the appellate court upholds that decision and also says that the plaintiff assumed the risk of the injury and therefore cannot sue anybody for it.
Plaintiffs commenced this action seeking to recover damages for personal injuries sustained by Kim Hund (plaintiff) in a horse riding accident that occurred on the premises and allegedly through the negligence of defendants, Sue Gramse, formerly known as Sue Springstead, and Ronald Gramse. The property consists of the Gramses' residence as well as facilities used for the boarding of horses by Sue for hire as part of her horse-stabling business. The stable facilities include the indoor riding arena in which plaintiff's accident occurred. At the time, plaintiff was training a horse, nicknamed "Charlie," that was being boarded and trained for hire by agreement between Sue and the horse owner. Upon being sued by plaintiffs, the Gramses sought to obtain a defense and indemnification from their homeowner's insurer, third-party defendant, Prudential Property & Casualty Insurance Company (Prudential). Prudential disclaimed coverage on the basis of a policy exclusion for claims of bodily injury "arising out of business pursuits of any insured." Following that disclaimer of coverage, the Gramses interposed a third-party complaint seeking judgment declaring that Prudential is obligated to defend and indemnify them in the main action.
We conclude that Supreme Court erred in denying that part of the motion of the Gramses for summary judgment dismissing the complaint. The record establishes that plaintiff assumed the risk of her injuries as a matter of law (see Turcotte v. Fell, 68 N.Y.2d 432, 439-443; Wendt v. Jacus, 288 A.D.2d 889, 890, lv denied 98 N.Y.2d 604; Tindall v. Ellenberg, 281 A.D.2d 225; Hammond v. Spruce Meadow Farm, 199 A.D.2d 1014). Plaintiff had considerable experience riding horses and was an accomplished horsewoman. Further, she was extremely familiar with riding that particular horse on those particular premises, the condition of which, according to plaintiff, did not differ from the usual conditions at that location and in other indoor riding arenas. Thus, whatever danger may have existed in riding on those premises was open and obvious and fully appreciated by plaintiff. Moreover, the risk of being injured as a result of falling from a horse was known to plaintiff in light of her experience and, doubtless, as a matter of common sense (see Wendt, 288 A.D.2d at 890; Tindall, 281 A.D.2d 225; Papa v. Russo, 279 A.D.2d 744, 745, lv denied 99 N.Y.2d 507; Freskos v. City of New York, 243 A.D.2d 364; Hammond, 199 A.D.2d at 1014). That is one of the "usual dangers inherent in th[e] sport" (Tindall, 281 A.D.2d at 225), and the Gramses neither concealed nor unreasonably increased or enhanced that danger (see Morgan v. State of New York, 90 N.Y.2d 471, 485; Benitez v New York City Bd. of Educ., 73 N.Y.2d 650, 658; Hochreiter v. Diocese of Buffalo, 309 A.D.2d 1216, 1217; Sheehan v Hicksville Union Free School Dist., 229 A.D.2d 1026). Moreover, "[i]t is not necessary to the application of assumption of risk that the injured plaintiff have foreseen the exact manner in which his or her injury occurred, so long as he or she is aware of the potential for injury of the mechanism from which the injury results" (Maddox v. City of New York, 66 N.Y.2d 270, 278; see Papa, 279 A.D.2d at 745).
We further conclude that the court erred in denying that part of the motion of Prudential seeking summary judgment declaring that Prudential has no obligation to defend or indemnify the Gramses in the main action. The horse ridden by plaintiff at the time of the accident was being boarded and trained by Sue for hire and profit, and the riding activity in question was thus intrinsic to Sue's business pursuits. Further, the record establishes that the indoor riding arena in which the accident occurred was built to facilitate the horse-stabling business, and that is how and why it was being used at the time of the accident. We thus conclude that, as a matter of law, the riding activity in question falls within the policy exclusion for business pursuits of an insured, and does not fall within the exception to that policy exclusion for "activities which are ordinarily incident to non-business pursuits" (see Salimbene v. Merchants Mut. Ins. Co., 217 A.D.2d 991, 992-993; United Food Serv. v Fidelity & Cas. Co. of N.Y., 189 A.D.2d 74, 76-77; cf. Lamb v. Security Mut. Ins. Co., 278 A.D.2d 855, 856; Showler v American Mfrs. Mut. Ins. Co., 261 A.D.2d 896, 897-898).
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