http://www.ucalgary.ca/news/september2007/horseback
I can think of hundreds of hobbies I'd rather take up than getting on a huge animal's back... I've ridden a decent amount and came to the realization I didn't want to be up that high when said animal did something wild and crazy, but hey, that's just me.
Why do you "need" to move into a higher insurance risk pool... or were you kidding?