The insurance offered to members only, is through Equisure, Inc. It is for a $1,000,000 Personal Excess Equine Liability Insurance Policy to protect you from financial responsibility for any property damage or injury to people that your horse might cause. This protection follows you anywhere - at home, boarding stable, shows, or on the trail. Due to Equisure's policy, your coverage is based on the calender year and is only good from January 1 through December 31 of any given year. You must renew your membership and policy every January 1. Therefore, the optimum time to become a member with insurance, and to renew your membership with insurance, is at the first of January every year. For example, if you take a membership with insurance on September 1, 2014 - the insurance is only good through December 31, 2014. In this case, your coverage is only good for 4 months. You would need to renew your membership with insurance again on January 1, 2015.
The Master Policy is intended to provide coverage for the insureds EXCESS PERSONAL LIABILITY in respect to those sums the insured becomes legally obligated to pay as damages because of accidental bodily injury or accidental damage to property or personal injury to which the Master Policy applies, which occurs only while the insureds are engaged in a “covered activity”. Underwriters have the right, but not the duty, to defend any “suit” seeking those damages. The use and/or ownership of a horse or horse-drawn vehicle is understood to include: a. riding a horse on the public highway or elsewhere; b. leading a horse along the public highway or elsewhere; c. driving a horse-drawn vehicle; d. grazing or stabling a horse or circumstances where the horse is not in your control.
In the event of the insured giving permission for any person to use their horse or horse-drawn vehicle, such person will also be indemnified. If a family membership is purchased “insured” shall also mean their resident spouse and resident children under 18 years of age. No coverage is provided for liability arising out of any business or profession or the use of a horse-drawn vehicle for hire or the practice or preparation for or participation in racing under the rules of any legally constituted racing authority or for use when equestrian is your primary means of transport.
Disclaimer: This service is provided by Equisure, Inc. in cooperation with Second Chance Equine Association. This program is not a source of revenue for Second Chance Equine Association. Association Resource Group Purchasing Group (the Master Policy holder) has arranged coverage with Certain Underwriters at Lloyd’s, London using Equisure, Inc. as the agent.