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Race Horse Owners Liability
This liability policy is to cover the unique liability exposures of
Race Horse Owners for injury or damage caused by the horses. Individuals,
partnerships, corporations and syndicates which own racing stock (including
stallions at stud, brood mares and yearlings) but are not directly involved in
breeding, training or racing (i.e. contract with independent trainers, breeding
farms) are eligible. Owners should obtain certificates of insurance from the
independent contractors to assure adequate protection.
Prices are very
competitive with liability limits to $1,000,000 available.
The coverage
of this policy is designed to insure you for your legal liability up to the
limits of the policy. When a person is injured or property is damaged as a
result of activities involving the horse or horses you own we will, subject to
the exclusions in the policy, settle claims for which you are legally liable,
including defense costs. It is important that your horse operation be protected
by a company with a strong financial background, strong equine experience and
expertise to meet your needs in the horse industry.
Barrenness
This policy is to insure against loss
which may be incurred in the event of a mare failing to produce a live foal.
Once a foal is conceived, coverage shall apply against risk of foal being cast,
slipped, aborted, stillborn and loss of foal as a direct result of the death of
its dam.
Prospective Foal
Endorsement
This endorsement is extended to insure against loss which may be
incurred in the event of the foal failing to be born alive and survive to the
expiration of the policy, subject to:
The insuring agreement will include
the receipt of an ultrasound scan report made between 25 and 42 days of
gestation by a qualified veterinarian confirming the presence of a single viable
fetus.
An up to date manual pregnancy certificate confirming the presence
of a single fetus.
The rates are determined by several factors such as:
age of mare
-If under age 12 with unblemished record rate can be as low as
27% for Barrenness and 14% for Prospective Foal coverage. Rates may be deducted
by up to 2 1/2% for policies incepting after 65 days.
-foaling
record
-Unblemished record will warrant the best rate
-length of
coverage
-for Prospective Foal coverage, you can get coverage for 24 hours of
age, 7 days, 30 days or 1 year.
Race Horse Owners Liability Application (California Residents)
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