Insurance coverage for most equine related liability exposures.
Coverage is in excess of any other insurance you carry or is primary if you have no other insurance that could apply.
AUTOMATIC COVERAGES INCLUDED WITH YOUR MEMBERSHIP:
$5,000,000 Liability insurance ($1,000 Property Damage Deductible)
This coverage protects you against most lawsuits for Bodily Injury or Property Damage arising out of the ownership or use of a horse, or arising out of your participation in most equine related activities.
Personal Liability includes Non-commercial care, custody and control of up to a maximum of 3 non-owned horses including Legal Liability for Non-Owned Horses of $10,000 per horse / $50,000 per accident.
Special Notes on Coverage Restrictions
-Coverage excludes any lawsuit brought against you by your won spouse, or by any relative or dependent(s) residing in your household.
-Coverage excludes the “commercial use” of horses (such as renting them out to others) as well as participation in Rough Stock Rodeo events, pari-mutuel racing, or unsanctioned racing activity and providing coaching,
lessons, instruction to others and participation in horse pulling competitions.
-Use of a horse for equestrian shows or competitions shall not be deemed commercial use; and barrel racing, team roping and team penning shall not be deemed rodeo or racing events.
if you are a member but your principal residence is outside Canada, then your coverage is restricted to equine activities that take place in Canada. Coverage for Canadian residents is
world wide but lawsuits must be brought against you in Canada.
-Coverage is primary if you have other insurance that could apply, or is in excess of any other Insurance you carry.
$30,000 Accidental Death & Dismemberment coverage for each member arising for equine-related activities – under the age of 90. Coverage excludes fracture, dental and loss of Income.
Transportation Insurance for non-Owned Horses protects against lawsuits for death of someone’s horse whole you are transporting that horse subject to a limit of $10,000 per horse / $50,000
per accident and excluding commercial transportation of horses.
SPECIAL OPTIONS AVAILABLE
-Coverage for your own horse(s) – “Members Named Perils” insurance covering death of an owned horse resulting from fire, lightning or collision/overturn of a conveyance in which a horse was being transported. Perils now includes attack by a dog or wild animal. Refer to the policy wording for full listing. This insures up to a maximum of $10,000 that may be applied regardless of the number of horses owned. Losses are restricted to one claim per year.
-Accidental Death & Dismemberment – In addition to your ‘included’ $30,000 Principal Sum you may now purchase an additional $50,000 coverage that included limited benefits for Fracture and
dental arising from equine related activities – under the age of 75.
-Travel (out of Province/County)-Provides $1,000,000 coverage for Medical/Hospitalization. Trips up to 90 days in duration – any number of trips per year – worldwide cover- including participation
and/or preparing for equine related activities – under the age of 65. This coverage must be purchased prior to leaving your Province/Territory of residence.
-You can purchase coverage on your Tack: $10,000 any one occurrence / $10,000 any one membership per policy period; $500 deductible. Higher limits are now available by contacting Capri.
-Weekly Accident Indemnity: Coverage is up to a maximum of $500 per week to a maximum of 26 weeks. A fully completed Application is required.
OTHER OPTIONS ARE ALSO AVAILABLE TO MEMBER’S AT REDUCED COST:
-“Equi-Care” providing life / medical / surgical insurance for your horses.
-Liability for commercial use or equine business operations
IMPORTANT; IF YOU ARE NO A CANDIAN RESIDENT PLEASE READ THE LAST Q&A UNDER THE FAQ’S