$1,000,000 Excess Personal Liability Insurance
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.
