Third Party Insurance

A Synopsis of HHI’s Third Party Public Liability*

This policy provides 24 hour protection at all locations, except on owned premise, to the members of the participating HHI associations against claims alleging bodily injury or property damage caused by a member’s standardbred horse in connection with his standardbred horse-related business.

This coverage does not apply to bodily injury or property damage sustained by any person while participating in a horse race nor is there coverage where Worker’s Compensation insurance applies.

Coverage is not extended to a member who is sued by a horse owner for damages to a horse in the member’s care, custody and control.

The policy does cover claims made against a member by another member of HHI.

Limits of liability are $1,000,000 per occurrence, $3,000,000 annual aggregate for all claims and there is a $250.00 “disappearing” deductible on property damage claims.

To file a claim, a statement of the accident, including date, location and a description on the accident, a member in good standing of a participating association.  Lastly a notarized statement from the member that he has no other insurance, which would provide coverage in this claim.

The policy covers members in good standing of all HHI member associations except:  Kentucky HHA, Ontario HHA, Quebec Trotting and Pacing Association, Saskatchewan Standardbred Horsemen’s Association, SOA of New England, Washington State Standardbred Association, and Wisconsin Harness Horse Association, Inc.

*This page is not part of the policy, but rather a synopsis of the coverage for your convenience.  Please refer to the policy and endorsements for actual coverage, exclusions, definitions, etc.