Our mini Horsezilla has been ridden by all our children. The rule I was taught was that 20% of the horses weight minus the weight of the saddle. We have even gone up to 23% of the weight, but have noticed the horse doesn't move as easily as he did when the weight was in the 20% range. I was also taught that he could pull almost 3 times his weight... big difference there.
I was green.. the horses were green when we saddle broke Horsezilla. Now he does charity work and gives rides to alot of children. When hurricane Frances broke in Fl. we were in Alabama, Dothan. We stayed at the Motel 6 and so many parents expressed their gratitude that I was giving the kids rides on our big guy... to most of the children in a three motel area... They thanked us, because the kids wanted to see and ride .. rather then watch homes being destroyed on TV. It was all good. The horses got off the trailer and I got ALOT of exercise.
When we were teaching Horsezilla to give children rides, we first would walk him like a dog around the neighborhood, so that he was not bothered by dogs, cars, trucks, donkeys and every other critter in the neighborhood... He walks by cars or trucks, like NO BIG DEAL now.
Then we introduced the saddle and continued walking him on his exploration trail in the neighborhood with a saddle on his back... ... In short we made sure he was pretty darn bombproof before we had any child around him.
After that, I put our littlest child on his back and did the lead line thing... every single day... for several mos. She held onto his mane... he got used to that too. Then we introduced the reigns, and having his head and neck turned, without the bit... didn't want heavy hands handling a bit... he did really well this way, so we moved him into a bit... (I wish I could have found a mini hackamore for him.. so instead, we just used reigns).
When he did his neighborhood trail in every direction with our smallest child on him, we rotated to our larger and oldest son... who was able to apply pressure to his sides, rather then the little kicks, which are so little .. (at her 35 lbs... I don't think they bothered Horsezilla after having been abused before we got him).
Then I graduated from lead line to our QH, and lead lining from the QH... (that lasted a few days at best). So finally we turned him and her loose in the yard, and she did lots of circles, reversing, and going over obstacles.
So now, we saddle up the one mini and the QH and we go out and do trails. He's soooo good now. He has never ever dumped her.. or will he go faster then a trot when she's on him. He does trot over fences and cross bars now. She just loves it... and he has never ever been any thing but the perfect gentlemen to any of the children he's ridden. And yeah... he does neck reign... we didn't intentionally teach him, but he did learn. Our son has ridden western, and that was what worked for him, so now our Magic (aka Horsezilla) does too. I get no credit for that one... He's been ridden almost every other day. We did try trainers who didn't get anywhere with him. More then anything it was repetition, and alot of guidance and supervision.
This has been a two year project for us, and we're about to move him into driving next. He's just so happy... when the kids ride him. Our little guy (who is ten now) is only riding the QH, but both the girls ride him. You can just tell, he feels soooo special when he's being ridden and going out in the neighborhood. People stop in their cars to tell me, how amazed they are, that nothing bothers him. The girls have trained him to hit the side of the road if he hears a car. Sometimes, he hears one before then do, and he hits the grass.. and stops until the car passes. I think we have gone as far as we can without an experienced rider getting on him, and he'll never quite be proper when it comes to knowing his leads, and such... but hey.. he and the kids are happy and safe.. and that's what's most important to me. He's soo good with children... he must have ridden over 200 children at this point.
God Bless.... and have a good time.. .it's so rewarding... when you see your little ones...