Benefits

• Limited Mortality – Limits
  • $15,000 maximum for any one “HORSE” of standard registration which has attained the age of two (2) years old and has raced sufficiently as to have established his own racing qualifications or credibility.
  • $5,000 per any one “HORSE” of standard registration if the animal is two (2) years of age and is at the time of the loss, currently engages in race training but has not yet started in an actual event.
  • $5,000 for any “YEARLING” purchased at public sale or auction during 9/1 – 12/31
  • $350,000 aggregate for any one covered loss from and/or related to any one occurrence.  $2,000,000 aggregate per policy year, the most that will be paid under the Inland Marine / Animal Mortality and owned equipment form in one policy year.
• Third Party Liability – Limits
  • $5,000,000 General Aggregate other than Products / Completed Operations.
  • $1,000,000 Products / Completed Operations Aggregate
  • $1,000,000 Personal and Advertising Injury Limit.
  • $1,000,000 Each Occurrence.
  • $100,000 Damage to Premises rented to you.  Any one premise.
  • $5,000 Medical Expenses. Any one person.
• Owned Horse Equipment Coverage Form – Limits
  • $3,000 for tack per horse for any covered loss.
  • $10,000 maximum per loss per member for tack.  Tack must be owned by member owning the horse.

Who’s Covered?

• Limited Mortality Coverage
  “Insured:” Member in “Good Standing” of Harness Horsemen International.
• Third Party Liability Coverage
  “Insured:” Member in “Good Standing” of Harness Horsemen International.
  • Owning 25 “Horses” or less
  • “Horse” defined as:  Standardbred racehorse that is actively involved in racing and/or race training, owned, borrowed, or leased by a member of Harness Horsemen International in “Good Standing.”

Where am I covered?

• Limited Mortality Coverage
  While Stabled at approved tracks and training facilities on file with Markel specifically scheduled (listed) on the policy or approved by Markel and added by endorsement.
• Third Party Liability Coverage
  Anywhere you conduct the business of racing or race training in US and Canada.  NOTE: No participant coverage for liability on the track while racing or training.

Is my horse covered while being transported (referred to as “transit coverage”)?

• Limited Mortality Coverage
  Subject to all other terms, conditions – coverage applies while an eligible horse is being transported to or from any United States Trotting Association (USTA) track, Canadian Trotting Association (CTA) track, or approved training facility on file with Markel.

• Limited Horse Mortality
  • Excess over any other valid or collectible insurance (IL-1201) 11-85
  • No Coverage for member who owns more than 25 “HORSES” as defined in the policy
• Third Party Liability
  • As Excess coverage for liability arising out of bodily injury on property damage caused by a “Horse.”

 If I own more than 25 “Horses” as defined by the Markel policy or I am concerned about coverage for claims that could occur out of my other operations?

• • Limited Horse Mortality – Purchase your own Mortality policy.
  • Third Party Liability
    Purchase your own:
    • Horse Owners
    • Farm Owners
    • Homeowners
    • Businessowners

Is there coverage for liability which arises out of an accident on the track?

• • Limited Horse Mortality – No mortality coverage
  • Third Party Liability – No.  Exclusion G.  Athletic or Sports participants.  This insurance does not apply to “Bodily Injury” to any person while practicing for, instructing, or participating in any sport, athletic contest, exhibition – Refer to MGL, 181 pages 3-11 for complete wording.

Markel offers a full line of Equine policies.  Visit www.horseinsurance.com

• Training Centers: As a member, is my standardbred horse covered under the limited mortality coverage anywhere it is stabled?

  No, the track of training center must be listed (scheduled) on the policy. (Limited Horse Mortality)

• Training Centers: If I am at USTA/CTA track and transporting my “HORSE” back to my farm, do I have coverage if the horse is killed in an auto accident?

  Yes, subject to policy wording you would have coverage because you were transporting your horse to or from any USTA/CTA track. (Limited Horse Mortality)
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• As a member in “Good Standing,” am I covered for bodily injury and property damage caused by my “HORSE” whereever my horse is training or racing?

  With exception of on-track accidents, the liability coverage follows the “HORSE” anywhere in the US and Canada. (Third Party Liability)
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• Is this my own policy and limits?

  No. This is an associatioon policy with limits shared by all eligible memebers. Policy does have aggregate limits applying to all paid claims in a policy year.  See outline of limits.
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• Can Markel add another person as “Additional Insured” under the policy?

  No. No additional interests can be added to the policy or listed on a Certificate of Insurance. (Third Party Liability)
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• Can this policy be used as proof of “Primary” coverage?
  No.  (Both Limited Horse Mortality & Third Party Liability)
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• I stable my five (5) standardbred horses at a training center that has 100 horses at the facility.  Am I eligible for coverage?
  Only if the training center is listed on the policy (Limited Horse Mortality)
  
  Yes, eligiblity criteria is number of “HORSES” you own, lease or rent, up to 25 horses.  No Coverage for a member that owns mroe than 25 horses under the liability section of the policy. 
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• I own 25 “HORSES” as defined by your policy.  Am I eligible for coverage?
  YES. Note: If you own 26 or more then you are required to have your own individual or business insurance. (Limited Horse Mortality)

  Yes.  Note: If you own 26 or more then you are required to have your own individual or business inusrance. (Third Party Liability)
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• If a person comes onto my farm property and sustains an injury from a trip and fall.  Am I eligible for coverage?

  No.  Only bodily injury or properrty damage caused by a member owned “HORSE” would be covered.  Seek supplemental coverages for these exposures.  Ex. Farm owners, Homeowners.
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• My training center or farm is not listed as a covered location.  How do I apply for coverage?
  
  Complete an application and submit it to Markel for approval.  Application and cost available from Donna Hatman at HHI.
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• Does this policy continue during the off season or at a track facility on dark days?
  
  Yes, if the location is scheduled, coverage continues.  Subject to all terms/conditions.(Limited Horse Mortality)
  Yes, as long as training activities are being conducted. (Third Party Liability)
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• If I am a member of an LLC that owns a horse, do I need to be an individual member of the association?
  
  Yes (Limited Horse Mortality)
  Yes – policy does not cover the LLC for operations.  Provides coverage for individual members’ interest.  (Third Party Liability)
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• Does this policy cover “theft” of tack/equipment?

  No. Theft of tack/equipment is excluded.
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• Does the location where I train my “HORSE” have to be licensed: for my coverage to respond?

  No, but the location must be scheduled on the policy. (Limited Horse Mortality)

  No (Third Party Liability)
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• I am a “member in good standing” of HHI and I travel to Canada to race.  Does my coverage follow me?

  Only while transporting your horses to or from a CTA facility (Limited Horse Mortality)

  Yes, the liability coverage follows you anywhere in the US or Canada. (Third Party Liability)
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• If I have a claim, what do I do?

  Advise Markel immediately using the Harness Horsemen International Claim Form:
  Complete and sign the two-page claim form
  Coordinate reporting with your association and HHI.
  Include all requested info