Horse Insurance
This message is from: Nancy Blauers Hi Everyone!I'm shopping around for insurance for my Fjord and was wondering if any of you would be kind enough to send your input...I'd like a policy that will cover any major surgeries and mortality with a company that has some knowledge of the fjord breed...many thanks!Also, at 4:14 this morning, I sat with my "space shuttle broke fjord"- Theodin and sleepy quarter horse Sam to enjoy the very last night launch of the space shuttleit was breathtaking!Thanks again!!!Nancy BlauersGeneva, FLWhere the weather is perfect for a late afternoon trail ride! _ Your E-mail and More On-the-Go. Get Windows Live Hotmail Free. http://clk.atdmt.com/GBL/go/201469229/direct/01/ Important FjordHorse List Links: Subscription Management: http://tinyurl.com/5msa7e FH-L Archives: http://tinyurl.com/rcepw Classified Ads: http://tinyurl.com/5b5g2f
Re: Hay & Insurance
This message is from: "jgayle" <[EMAIL PROTECTED]> I buy Eastern Washington grass hay for $340, delivered and stacked. The bales are apprx. 80 to 90 pounds. No complaints from Gunnar. Jean Gayle Author of: 'The Colonel's Daughter" Occupied Germany 1946 to 1949 Send: $20 to Three Horse's Press 7403 Blaine Rd Aberdeen, WA 98520 The FjordHorse List archives can be found at: http://tinyurl.com/rcepw
RE: Hay & Insurance
This message is from: Jean Ernest <[EMAIL PROTECTED]> One hay grower here is advertising 2008 season hay: $400/ton delivered and stacked. Brome hay, I don't know this grower and don't know what kind of quality...Maybe I should check it out. Jean in Fairbanks, Alaska, colder than normal, waiting warm temps to come back. A few weeks ago it was $315/ton delivered and stacked in Newton, NH. Very high quality grass approx 60 pound bales. The FjordHorse List archives can be found at: http://tinyurl.com/rcepw
RE: Hay & Insurance
This message is from: "Mary Anne" <[EMAIL PROTECTED]> A few weeks ago it was $315/ton delivered and stacked in Newton, NH. Very high quality grass approx 60 pound bales. Subject: Re: Hay & Insurance This message is from: Eric Kozowski <[EMAIL PROTECTED]> Willows Edge Farm wrote: > What are you paying for good horse hay? > I under-estimated and am now paying for it...$265-270 a ton. > Last year I paid $130/ton, delivered and stacked for small bale grass hay. Right now it's running $150-160/ton around here. -- The FjordHorse List archives can be found at: http://tinyurl.com/rcepw
Re: Hay & Insurance
This message is from: Eric Kozowski <[EMAIL PROTECTED]> Willows Edge Farm wrote: What are you paying for good horse hay? I under-estimated and am now paying for it...$265-270 a ton. Last year I paid $130/ton, delivered and stacked for small bale grass hay. Right now it's running $150-160/ton around here. -- Eric Kozowski Joseph, OR "You can see what man made from the seat of an automobile, but the best way to see what god made is from the back of a horse." - Charles M. Russell The FjordHorse List archives can be found at: http://tinyurl.com/rcepw
Hay & Insurance
This message is from: "Willows Edge Farm" <[EMAIL PROTECTED]> Here are a couple horse related questions I've been pondering and wonder what everyone else is doing/paying... What are you paying for good horse hay? I under-estimated and am now paying for it...$265-270 a ton. Do you insure your horses? I have done so in the past, but trying to reason why to continue (for the riding/broodmares)? Corinne Logan Willows Edge Farm Bothell, WA (425) 402-6781 www.willowsedgefarm.com www.seattlecarriagerides.com The FjordHorse List archives can be found at: http://tinyurl.com/rcepw
Re: Equine Insurance and Question Marks
This message is from: [EMAIL PROTECTED] Hi Margaret, I have AOL too and have had no problem with question marks being inserted. Not sure what's going on with your responses, but I don't think it's an AOL thing... Amy Amy Evers Dun Lookin' Fjords 260 May Creek Rd Days Creek, OR 97429 541-825-3303 [EMAIL PROTECTED] (mailto:[EMAIL PROTECTED]) ** Get a sneak peek of the all-new AOL at http://discover.aol.com/memed/aolcom30tour The FjordHorse List archives can be found at: http://tinyurl.com/rcepw
Equine Insurance and Question Marks
This message is from: [EMAIL PROTECTED] For reasons that I can't fathom, my replies to the List via AOL have question marks inserted in the responses.? Everything looks perfectly normal to me as I type and this appears to be a relatively new problem.? Hopefully it will go away, but perhaps not. Margaret Bogie Ironwood Farm Rixeyville, VA? http://www.ironwood-farm.com The FjordHorse List archives can be found at: http://tinyurl.com/rcepw
Re: Equine Insurance
This message is from: [EMAIL PROTECTED] What's with all the ? :0) ** Get a sneak peak of the all-new AOL at http://discover.aol.com/memed/aolcom30tour The FjordHorse List archives can be found at: http://tinyurl.com/rcepw
RE: equine insurance
This message is from: "Cynthia Madden" <[EMAIL PROTECTED]> I bought insurance for Teddy (Starfire Chiron) when I took him to CO. I shopped around and settled on Broadstone insurance out of Middleburg, VA. Check them out. http://www.BroadstoneEquine.com Good luck. -- Cynthia Madden Las Cruces, NM personal: [EMAIL PROTECTED] NFHR: [EMAIL PROTECTED] http://www.geocities.com/cmadden88011 Dogs (and horses, cm) are not our whole life, but they make our lives whole. -Roger Caras Sarchasm (n) The gulf between the author of sarcastic wit and the person who doesn't get it. The FjordHorse List archives can be found at: http://tinyurl.com/rcepw
Re: equine insurance
This message is from: [EMAIL PROTECTED] To heck with the dry discussion on insurance, let's hear the happy, juicy details on your new, long awaited Fjord! :) Kris in NC (with Clyde & Monark, affectionately referred to by fellow boarders as Eeney and Meeney) ** Get a sneak peak of the all-new AOL at http://discover.aol.com/memed/aolcom30tour The FjordHorse List archives can be found at: http://tinyurl.com/rcepw
equine insurance
This message is from: Gina Larson <[EMAIL PROTECTED]> Hello Everyone! I am sure this subject has been discussed on the list before, but I am wondering if someone can recommend an equine insurer, and explain to me the process of having a horse insured. I am finally purchasing my first fjord (a dream 15 years in the making--more on this later)! She is several states away and won't be arriving until early September. I am buying her sight unseen (a little scary!) but will have her vet checked, etc, and have great trust in the seller! Thanks in advance-- And THANKS to Lisa and Jeff Pederson! :) Gina L. Marinette, WI Building a website is a piece of cake. Yahoo! Small Business gives you all the tools to get online. http://smallbusiness.yahoo.com/webhosting The FjordHorse List archives can be found at: http://tinyurl.com/rcepw
Equine Insurance
This message is from: "Nancy Blauers" <[EMAIL PROTECTED]> Hi Everyone, Thanks so much for all your research Kate! Equisure looks like a really good deal & I'm going to check into it as soon as I finish writing this note. Like Robyn, I too have become a tropical creature- my teeth chatter at 50 degrees! And I grew up in freezing cold coastal Connecticut! I plan on cutting my work day a bit short & working with my gelding Theodin on his new ventures into trail riding. He's been so much fun to train (my first time training a horse-ever ) and I love the bond we share, he's such a characture! Since there has been so much discussion about colic & surgeries lately on the list and I know that this is such a touchy subject, but I have had very limited exposure to horses that have gone through colic surgery- I would sincerely appreciate any knowledge that the list has to offer on the subject. I was wondering if any of you who had the misfortune of having to go throught the surgery could share with me the details, healing time and other experiences- I have always been told by friends who were trainers/horsepeople that it is such an incredible invasive procedure that many horses have a difficult time recovering. I understand that this can be a very painful thing to have to recount but I feel that the more we share and educate ourselves the better we can make our choices for our dearly loved horses if we should be so misfortunate to face such a decision. Many thanks to you all and feel free to email me privately as well... Enjoy your horses! Nancy Blauers Geneva,FL _ Find what you need at prices youll love. Compare products and save at MSN® Shopping. http://shopping.msn.com/default/shp/?ptnrid=37,ptnrdata=24102&tcode=T001MSN20A0701 The FjordHorse List archives can be found at: http://tinyurl.com/rcepw
Equine Insurance
This message is from: [EMAIL PROTECTED] Since I went out and got some quotes, I thought I'd share the comparison with the group. Mortality is the required policy and you can add either a medical/surgical option, or a surgical only (where available) option. Equisure Mortality - $209 ($6,500 coverage) Medical/Surgical - $309 (500 deductible, no co-pay, $10,000 limit) Medical /Surgical - $206 (250 deductible, 20% co-pay, $10,000 limit) Only Surgical - $154 ($7,500 limit) Fryâs Equine Insurance Mortality - $234 ($6,500 coverage) Medical/Surgical - $250 (250 deductible, $7,500 limit) EQGroup Mortality - $150 (4,500 coverage) Medical/Surgical - $275 (4,500 coverage) Medical/Surgical - $400 (10,000 coverage) Markel Mortality - $211 (6,500 coverage) Medical/Surgical - $200 (500 deductible, 25% copy for first 2,000, $8,000 limit) Medical/Surgical - $304 (250 deductible, no co-pay, $8,000 limit) Only Surgical - $121 ($50 copay, $5,000 limit) Kate and Joe Check out the new AOL. Most comprehensive set of free safety and security tools, free access to millions of high-quality videos from across the web, free AOL Mail and more. The FjordHorse List archives can be found at: http://tinyurl.com/rcepw
Re: insurance
This message is from: [EMAIL PROTECTED] I'm replying to Eileen's post on insurance. Unfortunately for you Eileen, there are no mortality carriers who will insure 22 and 28 year old horses. If that was the case, I would have the insurance as I own a 21 and a 27 year old mare. In answer to your questions: 1) Do you have major surgical, or major medical/surgical? I'm thinking that there might be some pretty serious (and expensive) conditions that don't actually require surgery? (e.g., nasty infections) Most mortality coverage is going to be identical. Carriers differentiate themselves with their major medical/surgical. Depending on the carrier, you can buy surgical only (which is cheaper)or major medical which will cover a variety of conditions. There is a choice of deductibles, co-pays, and sub-limits. Also read the exclusions, since there are difference between policies. I can tell you that a suspensory pull, which hardly seemed dramatic (the horse was just lame sporadically) was over $6K to treat WITHOUT surgery of any kind. However, I think it is fair to say that generally most non-surgical vet care is going to be cheaper than any surgical vet care. 2) What insurance company could you recommend? I happen to use Markel, but there are a number of carriers out there. I prefer to use US domestic carriers because they are regulated by the state insurance departments and there are some consumer protections. Equisure typically uses an offshore facility (e.g. Lloyds of London). I only prefer to go that route when there is a crisis of availability or affordability. There are lots of quality domestic carriers out there and its a competitive market. 3) What's the oldest horse your company will insure? Markel will insure new business up to 16 and then will offer reduced cover for current insureds up to age 18. Generally speaking, most mortality carriers write coverage from 3 months to 16 years, with some going to 18 years. There are specialty carriers who will cover foals under age 3 months, but it will be expensive. All my older horses are in work, Eileen, and they are doing great. However, one day they may need emergency vet care and at that point it will be a choice based on their age, condition, and likelihood of a reasonable recovery. I am prepared to euthanize and bury horses on my farm. I think it is important to have a plan for this eventuality and have good communication with your vet. I dread the day I will have to make this choice about my older girls, but they have a home for life with me, so someday that day will come. Margaret Bogie Ironwood Farm Rixeyville, VA http://www.ironwood-farm.com Check out the new AOL. Most comprehensive set of free safety and security tools, free access to millions of high-quality videos from across the web, free AOL Mail and more. The FjordHorse List archives can be found at: http://tinyurl.com/rcepw
insurance
This message is from: "Elizabeth German" <[EMAIL PROTECTED]> Thought I'd add a few thoughts about insurance. I have insured my horses for mortality/medical/surgical for about ten years, at least until they are too old to be insured (17 with Markel I think.) Many years I didn't need the insurance but the times I did, which all seemed to be within a few years, (colic surgery on one mare who also had numerous colics and related expenses after the surgery, fairly major medical but not surgical treatment on a mare with a severe laceration across her side through several layers of muscle and tissue, shock wave treatments for a gelding with torn ligaments, gastrogard treatments for another mare who developed ulcers), I was really glad to have it. The premiums seem to change depending on the amount of mortality coverage, the breed of the horse and the primary discipline of the horse. For my fjord with dressage as the primary discipline, I think the premiums have been just over $250 per year. I purchase barely more than the minimum mortality coverage since my primary concern is the medical/surgical. There is a deductible ($150?) per occurrence on the major medical and a cap on the total annual payout ($7,500?) per horse. There is no way I could've paid for all of these extraordinary expenses without the insurance, especially since for no logical reason, all the incidents happened fairly close together. All of the horses who benefited from the insurance are still with me, although all except the gelding are now over 20 years old and can't be insured. Beth German New Mexico The FjordHorse List archives can be found at: http://tinyurl.com/rcepw
Horse Insurance
This message is from: [EMAIL PROTECTED] Hello Fjord Friends- After my financial devastation in 2003, I insured my horses! I really put a huge stress on my family's finances when my Patrick had surgery for colic at Cornell University, two weeks later my mare Annie went to Cornell with colic and was put down due to her terrible prognosis. The total for both was well over $12,000.00! I was devastated both emotionally and financially. I decided then and there I would never do this to my family again. The company I use is Jarvis Insurance. It costs me $750.00 per year for both my 12 year old gelding, Patrick, and my 6 year old gelding, Willie. I have surgical coverage, illness, and replacement. They won't insure a horse over 16. Therefore, my mare, Frolic, is not covered. However, last year Willie went to Cornell with a digestive colic (long story) and the cost was several thousand, no surgery however. I had a $200.00 deductible... it was fine! What a relief! I will never be without insurance. If you'd like contact info on Jarvis Insurance, just let me know. Pat McCurdy [EMAIL PROTECTED] (mailto:[EMAIL PROTECTED]) The FjordHorse List archives can be found at: http://tinyurl.com/rcepw
Credit Cards and Insurance
This message is from: [EMAIL PROTECTED] Apologies for the late entry into this discussion. I get the List in digest form. For the record, I've been a licensed insurance consultant for over 25 years however I do not sell insurance to anyone. I happen to insure most of my horses for mortality and major medical. (The ones I don't insure are too old to insure.) I do it because I would prefer not to make financial considerations when facing a veterinary emergency. Insurance gives me that protection. Everyone needs to remember that medical/surgical insurance is an ENDORSEMENT to an existing mortality policy. It's not a stand-alone coverage. Janet's estimate of $250 per horse through Markel seems low to me for the minimum premium on mortality plus their surgical endorsement. I'd say $300 - $400 per horse would be a better estimate and I am a Markel insured. A great deal depends on the horse's value for the mortality policy, since your premium is a percentage of value. For that premium, you are covered for the loss of the horse through death, theft or euthanasia, as well as coverage for surgical interventions of any kind. Last year, one of my horses had a suspensory pull in his right hind leg. Treating it cost over $6,000 and most of it was covered by insurance. His premium was about $325 for the year. Luckily none of my other horses had claims, so I suppose IN RETROSPECT, I could have banked their premium in a rainy day fund. However, I bought something with the premium: I was protected for their loss and emergency care for that year. Rainy day funds are fine, except they rarely can cover catastrophic loss. It would have taken nearly 20 years for me to have banked enough premium to have paid one claim for one condition on one horse. My sister had a fancy show horse. She decided to save some money and dropped his insurance. He coliced and she ran up a $8K surgery bill for him at Texas A&M. He died. All she had to show for it was the bill. If she had had the insurance, not only would she have had most of the surgery covered, she would have received his insured value from the carrier. Sorry, but it's unrealistic to think that a rainy day fund can address a situation like this. As horse owners we all have to make choices when faced with a veterinary emergency. I won't judge anyone else's decision on their horse's veterinary care. There certainly is a calculus involved that is highly individual. Insurance is an option, that's all. It takes the financial pressure out of the picture. I can tell you that it's much easier to pay off a $325 premium charge on your credit card than it is to pay a $6K vet bill on your credit card. And Sue, I am horrified to hear about Venn's colic and glad to hear about his recovery. Venn is a wonderful horse and he had many more miles to go before he leave us. Besides, he told me that he was coming back to my farm to retire someday! Margaret Bogie Ironwood Farm Rixeyville, VA http://www.ironwood-farm.com Check out the new AOL. Most comprehensive set of free safety and security tools, free access to millions of high-quality videos from across the web, free AOL Mail and more. The FjordHorse List archives can be found at: http://tinyurl.com/rcepw
Re: insurance
This message is from: <[EMAIL PROTECTED]> Hi All, I think that there has been some great discussion on this topic. For those of you who have insurance, I'm curious: 1) Do you have major surgical, or major medical/surgical? I'm thinking that there might be some pretty serious (and expensive) conditions that don't actually require surgery? (e.g., nasty infections) 2) What insurace company could you recommend? 3) What's the oldest horse your company will insure? Based on a quote I got from Equisure, I'm thinking that the annual will be closer to $500 with major medical/surgical. And they won't insure horses older than 15! I don't know about all of you, but I'm planning on riding/driving my mare well into her twenties. My Appys are 28 and 22! Eileen in eastern WA The FjordHorse List archives can be found at: http://tinyurl.com/rcepw
equine insurance alternative
This message is from: <[EMAIL PROTECTED]> snip <> Janet you bring up a good point. Personally, instead of paying the insurance company for a possible future claim, I simply put away a monthly $ figure into an investment account (blue chip, I buy the indexes= good returns on the investment, but that's another story). That way, even if you only purchase a gic or some other kind of bond or put it into a high interest savings account, the money is always there for an emergency & it works for you & grows. I advise my dog clients (I also breed Greater Swiss Mountain Dogs) to do the same, instead of paying $50.00 per month for pet insurance, I tell them to discipline themselves & save it instead. It does not work for everyone but for those who have good discipline & really want to purchase the insurance, it's a sensible viable alternative to paying an insurance company for something that may never arise in your horses' life time. If some tragedy does happen & you need the funds, at least you have something available depending on how long you have been saving for before disaster strikes. JMHO Catherine The FjordHorse List archives can be found at: http://tinyurl.com/rcepw
RE: posts on colic and insurance
This message is from: Robin Churchill <[EMAIL PROTECTED]> I haven't had time to read everyone's posts this week but agree with the info about colic. Colic can be a bellyache or a surgical emergency and it is sometimes difficult to tell which. I had had Ooruk and Ulyssa at home less than a year when Ooruk colicked. It turned out to be a bellyache but I learned a few things. If it will cost you more time for your vet to come to you and your vet is on the way to a surgical facility, load your horse in the trailer and go. You can stop at the vets en-route for stabilization and may waste precious time waiting for them to come to you. I waited for the vet on the advice of the referral center and luckily my horse didn't need surgery, but if he had needed it could have died in the time that was wasted. I could have been in Palm Beach which is our closest surgical facility by the time I got my vet out here and still did end up making the 3 hour trip just more in the middle of the night. For people who don't have their own trailer, make sure you have a plan for moving your horse in an emergency. Know where the nearest surgical facility is and how to get there because you will probably be driving there at 3 am like we were. If your fjord turns down food, beware. When Ooruk colicked was the only time he has ever been uninterested in food. If my horses look funny, I offer them a treat that they like and if they turn it down, I'm on the phone. As far as insurance goes, I have always carried insurance on my horses and sometimes have thought that I should have put all that money into a fund and probably if you have a lot of horses that is a good idea. I have used different companies and major medical has always cost me about $250-300 a year. Surgical only is cheaper which is why I suggested it. The mortality portion is what gets expensive if you insure your horse for the full amount he/she may be worth. We have chosen to insure ours for the purchase price and all of them are worth more now but insuring several horses for their full worth does get very expensive. I have actually had occasion to use my horse insurance several times sometimes for rather bizarre things so don't feel like it was a bad investment. The last thing is if you live near a major veterinary school, count your blessings. The care there is usually state of the art and much cheaper than at a private facility. When my warmblood had primary sinusitis which is a surgical disease in a horse, I took him 5 hours away to U of Florida where he had surgery and stayed for 2 weeks for $1500. I couldn't believe how cheap it was. Robin in Florida Be a PS3 game guru. Get your game face on with the latest PS3 news and previews at Yahoo! Games. http://videogames.yahoo.com/platform?platform=120121 The FjordHorse List archives can be found at: http://tinyurl.com/rcepw
cost of insurance
This message is from: "Tamarack Lamb & Wool" <[EMAIL PROTECTED]> It was pointed out to me that I did not include all the details in my post about the cost of insurance. I pulled the $250 per horse figure from the Markel website, I meant to include 5 horses in that calculation. $250 per horse x 5 horses x 8 years = $10,000. It has also been suggested $250 is too low? Janet The FjordHorse List archives can be found at: http://tinyurl.com/rcepw
RE: credit cards and insurance
This message is from: Genie Dethloff <[EMAIL PROTECTED]> I buy major medical and mortality insurance to protect my "investment" in addition to the health of my beloved horse. If I buy a nice horse that costs a nice chunk of change and then I put training into her, she is of value to me for who she is but also, next to my house and car is my biggest investment of money. Since I am not talented enough to do all the training myself, I pay a trainer. So when I figure what it would cost to replace my horse including the training investment, I couldn't easily replace the horse with a rainy day fund. A large majority of the training is to train me, but the horse increases in value as we are both trained. If I make a mistake and pay too much for a horse, or the horse doesn't do well in my and my trainer's hands and I sell the horse for a loss and then don't have the money for my next horse, well then it is live and learn and bite the bullet. But if nature were to take my horse suddenly or after a protracted illness, I'd want to be able to afford a new horse ready to carry one where I am at in my riding. My last horse before Pjoska, also a fjord was insured for more than I paid for him due to the training we put on him. I sold him for more than I bought him for and for exactly what I had had him insured at - that was a first for me (not losing money on a horse sale). Hopefully if my horse gets sick, the major medical would help me bring her back to health and function, but if not then the mortality insurance can help me move on. Of course if your horse is alive and comfortable but no longer functional, the mortality insurance doesn't help buy a new horse. The hard decision people have to make who have mortality insurance is when to put a sick animal down. If they are truly suffering, it is much easier, you relieve their suffering and you get insurance money towards a new horse. If they can be made comfortable, but you lose use of your horse and would have to put them down to collect the insurance, WELL that is a decision I never want to make!!! As a last thought: my hubby's life is insured to the max through his work - we take home less money so he can be insured - so why not insure my horse !!! Please don't tell Lloyd I equated his life to to Pjoska's (just kidding) -- Genie Dethloff Ann Arbor, Michigan The FjordHorse List archives can be found at: http://tinyurl.com/rcepw
RE: credit cards and insurance
This message is from: "karl & Jerrie Froelch" <[EMAIL PROTECTED]> In response to the message below, I agree completely with the assessment on credit cards and insurance. We own three Fjords all under age 6. The likelihood of needing a major surgery is fairly high over the next 30 years. Because of what we have been reading, we have discussed what we would have to do should a $10,000 vet bill arrive. These discussions have led us to the decision to create our own 'insurance' fund. We have begun setting aside money in a vet fund for emergencies. Hopefully the need and the fund will match if/when a crisis hits. If it never does, we will have our own money to do with as we choose. This has been a very important discussion. I appreciate all who have contributed their stories. Jerrie Froelich Willowhill Farm Snohomish, WA This message is from: "Tamarack Lamb & Wool" <[EMAIL PROTECTED]> Someone suggested that credit cards were for paying unexpected expenses. I have to differ. They are short term loans for things one can afford to buy. The implied use of credit cards to purchase things that one cannot afford has wreaked havoc with many many people. That $10,000 surgery can easily become a $20,000 to $30,000 surgery if it takes 10 years to pay it off on a credit card. Likewise I'm not so sure equine insurance is the answer either. From what I can tell, the minimum premium I would have to pay on my horses would be $250 per year per horse. In 8 years that is $10,000. What are the odds one will be facing a $10,000 surgery in 8 years? Insurance companies make money at this for a reason. Janet The FjordHorse List archives can be found at: http://tinyurl.com/rcepw The FjordHorse List archives can be found at: http://tinyurl.com/rcepw
credit cards and insurance
This message is from: "Tamarack Lamb & Wool" <[EMAIL PROTECTED]> Someone suggested that credit cards were for paying unexpected expenses. I have to differ. They are short term loans for things one can afford to buy. The implied use of credit cards to purchase things that one cannot afford has wreaked havoc with many many people. That $10,000 surgery can easily become a $20,000 to $30,000 surgery if it takes 10 years to pay it off on a credit card. Likewise I'm not so sure equine insurance is the answer either. From what I can tell, the minimum premium I would have to pay on my horses would be $250 per year per horse. In 8 years that is $10,000. What are the odds one will be facing a $10,000 surgery in 8 years? Insurance companies make money at this for a reason. Janet The FjordHorse List archives can be found at: http://tinyurl.com/rcepw
Equine Insurance
This message is from: [EMAIL PROTECTED] Hi- I use Jarvis Insurance and was very satisfied with their response when one of my horses ended up at Cornell University due to a colic. They were right there! Let me know if you'd like more information. Pat McCurdy Cato, NY [EMAIL PROTECTED] (mailto:[EMAIL PROTECTED]) PS- The Finger Lakes Fjord Horse Show will be held on July 28 & 29, with arrival on July 27. Mark your calendars! The FjordHorse List archives can be found at: http://tinyurl.com/rcepw
Re: Equine Insurance
This message is from: "Melinda Schumacher" <[EMAIL PROTECTED]> thank you for your informative and hellpful post. Melinda On 2/3/07, [EMAIL PROTECTED] <[EMAIL PROTECTED]> wrote: > > This message is from: [EMAIL PROTECTED] > > Like Gail Russell, I use Markel (http://horseinsurance.com) for my > mortality > and major medical coverage. Last year I has a claim for a suspensory > injury > and they paid promptly and had great customer service. That being said, > there > are plenty of other carriers out there. The FjordHorse List archives can be found at: http://tinyurl.com/rcepw
Equine Insurance
This message is from: [EMAIL PROTECTED] Like Gail Russell, I use Markel (http://horseinsurance.com) for my mortality and major medical coverage. Last year I has a claim for a suspensory injury and they paid promptly and had great customer service. That being said, there are plenty of other carriers out there. "Equine insurance" is rather a loose term. For example, there is equine liability coverage which protects you for damage your horse may do to third parties or the property they own. A stand-alone policy is cheap -- maybe $150 a year -- and many carriers offer them as endorsements (i.e. add-on coverage) to a mortality policy. I carry my equine liability through my commercial general liability for the farm, but wanted to mention the other options. For those who think their homeowner's coverage who cover an equine liability claim, I would try to get it in writing from the agent. I've been a licensed insurance consultant for over 30 years and I can tell you that homeowner's policies are getting more restrictive with coverage. Equine mortality coverage will pay when a horse dies, is stolen, or has to be euthanized. There are some restrictions, but generally speaking it is pretty broad. The premiums are a percentage of declared value. Usually this is a pre-agreed upon amount that is the purchase price + show record + breeding record + training expenses. Most carriers have premiums that run 3 - 4% of value. I always say that mortality coverage is like the vanilla ice cream in a sundae. It's the same from carrier to carrier. The policies are nearly word for word identical and the difference will be in the premium. The difference comes with the major medical coverage that is an endorsement to the mortality policy. That's where you get all the choices. You can choose among sublimits (i.e., maximum coverage amounts), deductibles, and types of coverage. You can get policies that cover ANY non-routine vet care or policies that only cover surgery. Obviously the premium is going to vary. There's no right choice for everyone, so you have to consider how much risk you can afford to accept. The only other thing to remember about mortality and major medical is that the carriers only cover horses from 90 days to 16 years. There is some variance among carriers and coverage may extend to age 18 with some of them. If you are insuring for less than $25,000, typically no vet exam is required and often you can apply for and bind coverage on-line. Sorry for the long post. Do shop around and compare coverages. The carriers writing coverage are all quality domestic companies and are regulated by your state insurance department if they are offering coverage in your state. If you google "Equine Mortality Insurance," you'll get just about every carrier and specialty agent offering the coverage. Margaret Bogie Ironwood Farm Rixeyville, VA http://www.ironwood-farm.com ***For sale: 2004 Brown Dun gelding, 2006 Brown Dun filly and gelding*** The FjordHorse List archives can be found at: http://tinyurl.com/rcepw
insurance & good Fjord reads
This message is from: "Pat Holland" <[EMAIL PROTECTED]> I'll second the motion for Markel as an insurance agent for my horse business and Suggest Carol Naveta Rivoire's "The Fjordhorse Handbook" for reading material regarding the Fjord Horse - Also buy through Mike May the two editions of : "The Record Book" Evaluation Results 1994 - 2000 and the second edition 2001-2004 (lots and lots of great info in them - also the program from the 25th Anniversary Show ( Mike has those as well for sale - has some great articles on the history of the breed overseas and in North America. Pat Holland - in single digit Midwestbu The FjordHorse List archives can be found at: http://tinyurl.com/rcepw
equine insurance
This message is from: [EMAIL PROTECTED] forgive me if this has been brought up, but does anyone have a recommendation for an equine insurance company? i keep thinking i should get one, since oz is being boarded, but there are so many options out there, it makes my brain spin.. thanks laurie, and oz, who's probably the only one at the barn with a coat suitable for this weekend's upcoming deep freeze. he will be inside at night. The FjordHorse List archives can be found at: http://tinyurl.com/rcepw
Foaling and Insurance Questions
This message is from: [EMAIL PROTECTED] In response to the foaling question. In my opinion, vet's are pretty darn accurate with ultrasound, so I would use their date. Mares foaling in the earlier part of the year go longer than average (340 days) and mares in the summer go shorter than average. Of course, there is always an exception! This year we are using the CHEMetrics milk test strips http://www.chemetrics.com/visprods/foalwatch.htm. They come highly recommended from other breeders. The problem with the "laying down device" is that all my Fjords lay down and snore every day. I don't think I'd like to check them every time they are cutting some ZZZs. On the insurance question, the question was regarding agents and not insurance carriers. There are a handful of insurers writing horse mortality and liability policies. That's actually good because it's a specialty market. A good agent will shop among various carriers to get you the best quote. And premium rates will vary depending on what state you live in, what you are trying to insure and what carriers are writing in your state. Some states, like WV at the moment, are terribly difficult to get any liability coverage in because of the state regulation. I've never used the Fry Agency, but I have heard good things about them. If they have gotten you a quote that provides the coverage you want with a quality carrier, then go for it! My CGL premiums have been going down for the last two years even though we are increasing the variety and level of our activities. Margaret A. Bogie Ironwood Farm Rixeyville, VA http://www.ironwood-farm.com ***Fjords for Sale: 2003 Gray and Brown Dun geldings, 2005 Red Dun Colt***
Insurance companies
This message is from: "themercers" <[EMAIL PROTECTED]> Our local driving club has received a good quote from the Fry's Equine Insurance Agency Inc. www.frysequineinsurance.com Does anyone have experience with them? They beat Equisure (who we have had in the past) and Eve Willet Agency. Taffy Mercer Kennewick, WA [demime 1.01d removed an attachment of type application/ms-tnef which had a name of winmail.dat]
Re: Equine Insurance
This message is from: [EMAIL PROTECTED] Hi Laura, I insure my mare and gelding with Independent Equine Agents of Louisville KY and they put me with Travelers Insurance Company. I carry full mortality (death due to illness, accident, disease or theft) and the policy also includes $3000 of emergency colic surgery coverage. Their number is (502) 245-6878 or 1-800-346-8880...ask for Betsy Reiter. Betsy has always been friendly and very helpful but, since nothing bad has happened to my ponies yet, I can't really tell you how Travelers will behave. I'd like to think they'd be as quick to help as they were to collect but you never know. I hope I never have to find out. And, since your Fjord herd may be of a different size and used for different purposes than mine, I don't even know if Betsy would recommend the same company for you. Anyhow, that's my story. Good luck policy shopping! Kay Van Natta Yellow Pony Farm SE MI
Equine Insurance
This message is from: "Laura Kranzusch" <[EMAIL PROTECTED]> Hello, Just curious, for those of you that insure your Fjords, what insurance companies do you use? And are you satisfied with the company you use? Thanks. -Laura
RE: insurance
This message is from: "Gail Russell" <[EMAIL PROTECTED]> A regular insurance policy does not cover employees in California. They have to have Worker's Comp Insurance, which is calculated as a percentage of the paycheck. Does your insurance specifically cover employees? Does Nova Scotia require worker's comp insurance. Does your insurance specifically cover worker's comp? I have NO PROBLEM paying insurance premiumsright now I am probably paying $30,000 a year, and spending a month of time each year making absolutely sure I have the right insurance for all purposes. I spent all day yesterday trying to improve the coverage and cost benefit ratio of one of my policies. I just do not know a good way of insuring someone when you are essentially bartering lessons for work (though I am sure there would be a way if I hunted long enough). The problem is that we do not view an intern as an employee, and yet, California is very clear that the person is doing work for a benefitand is therefore an employee. If you do buy worker's comp insurance for barn employees in California, the stall cleaners and feeders are rated as though they were exercising horses at the track. Our premiums can be close to 100% of the amount of the employee's pay. I know contractors who deliberately pay their lowest wage laborers MORE (by quite a bit) so that their hourly wage brings them into a category of an experienced carpenter.in order to save on worker's comp. (The insurance company knows that the low paid laborers are more likely to get hurt with tools and materials they have no experience with.) I thought you might have addressed the barter situation specifically. Did not actually need a lecture on being cheap about buying insurance. Gail
Re: insurance
This message is from: "Carol Riviore" <[EMAIL PROTECTED]> Hello Everybody from Carol Rivoire at Beaver Dam Farm in Nova Scotia --- Each Spring, we accept a limited number of good quality horses to sell at our farm on consignment. Hi Carole, I was interested in how you deal with the insurance liability question for your internship program. I am not sure you noticed my question, but would love to hear your response. Hi Gail, How do we deal with it? -- We buy insurance, and pay the premiums. I don't mean to be flip, but insurance is one of the costs of doing usiness. -- I have a "notice" hanging over my desk . . . . Something called "10 Rules for the successful businessperson" Actually, it says "businessman" One of the rules is "KEEP SOBER AND KEEP INSURED". -- We try to operate by these rules. Best Regards, Carol
Re: Mortality Insurance
This message is from: [EMAIL PROTECTED] In a message dated 8/11/2004 7:29:59 AM Pacific Daylight Time, [EMAIL PROTECTED] writes: http://horseinsurance.com Is it a possibility that NFHR Could look into a policy that we could all get at a discount for group? Other registry's have them!!!. Would help all I am sure. Something to think about.Tillie Dun Lookin' Fjords Bud,Tillie & Amy Evers Redmond OR (541) 548-6018 http://www.geocities.com/Heartland/Ridge/8589
Mortality Insurance
This message is from: [EMAIL PROTECTED] I am replying to the question about insuring a Fjord that is being paid for by installments. Your buyer needs to purchase EQUINE MORTALITY INSURANCE for the purchase price of the horse. It is widely available. Usually the premium is around 3% of value (i.e. the purchase price) with a minimum premium of $200. Shop the coverage because the premium does vary. The coverage pays in the event of death or theft. However, most mortality policies have the option of medical/surgical coverage rider, too. It may add about $100 to the premium. I would require that such a rider is purchased. That way the horse colics or gets injured, there shouldn't be a financial issue about the treatment. There is LOSS OF USE coverage, which is basically disability coverage for horses. This coverage is available but is expensive. Typically it is purchased for higher level performance horses. You can find lots of carriers by going to Google and typing in Equine Mortality Insurance. Markel, mentioned in an earlier post, is an excellent carrier (I happen to use them) and their website is http://horseinsurance.com. Margaret Bogie Ironwood Farm Rixeyville, VA http://ironwood-farm.com
RE: Insurance
This message is from: "Gail Russell" <[EMAIL PROTECTED]> Her home insurance company doesn't do that type of coverage. Does anyone know who does? Try Markel.
Insurance
This message is from: "The Mercers" <[EMAIL PROTECTED]> I'm selling one of my Fjords on a one year contract and am requiring the purchaser to carry insurance in the amount of the sale price for the horse (payable to me) until the horse is fully paid for. Her home insurance company doesn't do that type of coverage. Does anyone know who does? Thanks! Taffy in still HOT 106* Kennewick, WA
Insurance links
This message is from: Vicki and Tony Johnston <[EMAIL PROTECTED]> http://www.hallmarkhorse.com/ http://www.equispec.com/ http://www.agririsk.com/ I am currently with Hallmark. I have a Fjord friend that was with Agri-Risk, but I'm not sure she was happy with them and was looking elsewhere last time I checked. Vicki Johnston Mims, Florida
Insurance
This message is from: [EMAIL PROTECTED] Dear List, I want to thank all of you that posted about the insurance companies they use. As of today I have decided that I will also be changing agents for everything. I received a bill from Safeco for $416.00 to insure this trailer!!! It has been put on our farm policy as another vehicle--this is just plain incompetence on the part of our agent--it should have been written as a seperate policy just like our other RV trailer. That one is $26.00 every 6 months. Anyway thanks to you all and I'll be checking out all that insure in Washington. Barb Lynch Benton City, WA
insurance
This message is from: "Bonnie Lieremann" <[EMAIL PROTECTED]> We have American Family for our farm and vehicles. They had us take out a separate policy on our trailer - they said they treat trailers just like they would a boat. It cost very little per year and insures the horse's value if they are killed while in the trailer. Also covers the trailer for any damage while on the road or in our barn. I think it is odd that the other person insured by American Family has it added on with their vehicles. I live in WI. They also insure our horses for death by fire, wind and lightening. I had to list each horse and name a value but then it all went under our general umbrella of coverage. I am insured for anyone injured while riding my horses, as long as I have not taken any $ from them to ride. every insurance carrier is going to be different. bonnie
Re: insurance for training/boarding barn
This message is from: Mariposa Farm <[EMAIL PROTECTED]> Thanks for all the insurance leads everyone. I appreciate it and have some applications to get out now. Mark McGinley Mariposa Farm
RE: insurance Farm Family Insurance
This message is from: "Frederick J. Pack" <[EMAIL PROTECTED]> Unfortunately Farm Family is not licensed out here in Washington state. Here is a list of states where Farm Family is licensed: Licenses Products are offered by Farm Family Casualty Insurance Company in Connecticut, Delaware, Massachusetts, Maine, New Hampshire, New Jersey, New York, Rhode Island, Vermont, and West Virginia, and by United Farm Family Insurance Company in Maryland and Pennsylvania. Products are offered by Farm Family Life Insurance Company in Connecticut, Delaware, Maine, Maryland, Massachusetts, New Hampshire, New Jersey, New York, Pennsylvania, Rhode Island, Vermont, and West Virginia. http://www.farmfamily.com Didn't help me, but it may help someone else... Fred All Mail is scanned in AND out by Norton Anti-virus 2004. Fred and Lois Pack Pack's Peak Stables Wilkeson, Washington 98396 http://www.geocities.com/friendlyfred98 This message is from: "Katherine Carter" <[EMAIL PROTECTED]> One company that will specifically insure farms with large numbers of horses if Farm Family. We've had house/farm insurance with them for many years, evan back when we ran a boarding stable with 20-plus horses, and have been pleased with them. Rates are reasonable. They will also cover vehicles as well as property. --Kathy in Maine
Re: insurance for training/boarding barn
This message is from: "Pat Holland" <[EMAIL PROTECTED]> > The company I've had in the past is getting out of those lines and the > new one that my agency recommends is pretty expensive. Mark- The original company we were insured with also got out of equine coverage. We are now with Markel and it is expensive. In order to afford it we dropped the one clause for giving lessons on MY horses - that part was the most expensive. I can give lessons off the clients own horse - to them only. Which I do. I am also covered if someone is riding a horse that is for sale on my property. It surprised me that coverage for giving lessons on MY lessons horses was so high - I would have had to give 40 lessons just to pay the insurance - . I hunted and searched for two good, solid bomb proof animals - bought them and used them without incident. You would think the change of having an accident on one of my solid horses, that I know like the back of my hand, would be less than giving one off of the owners horse which is in a new place, and may not be as well trained. I get inspected with Markel - as a matter of fact he came just this week. Markel covers boarding, training - lessons on your horse, transport to shows, events and picking up or delivering clients horses and injury/death. (Not mine - your horses). I was even asked to carry terrorist coverage! I declined. Pat Holland
insurance
This message is from: "Katherine Carter" <[EMAIL PROTECTED]> One company that will specifically insure farms with large numbers of horses if Farm Family. We've had house/farm insurance with them for many years, evan back when we ran a boarding stable with 20-plus horses, and have been pleased with them. Rates are reasonable. They will also cover vehicles as well as property. --Kathy in Maine
Insurance
This message is from: [EMAIL PROTECTED] I'm coming out of "lurkerdom" to comment on the insurance thread. I support my Fjords as a licensed insurance consultant in Virginia. I do NOT sell insurance, but I do work for major companies in the industry. I've been involved with the liability market since 1981 and I'm happy to chime in on this topic. Coverage for horse trailers is easy to get. If you don't accept payment for hauling, most trailers go under your family auto coverage. If you are going to charge for hauling, then the coverage has to be for commercial driving. Homeowners policies are primarily intended to cover your primary residence or vacation home. Most major carriers have underwriting limits on what they will cover -- sometimes it's acreage, sometimes it can be the number of animals. I doesn't really have much rhyme or reason, plus carriers will change what they will underwrite over time. (For example, many homeowner policies exclude coverage for certain breeds of dogs, such as pit bulls.) Farm policies are specialty CGL (commercial general liability) forms that can be tailored to farm operations. With equine coverage, you can select the coverages that meet your risk exposure. The cost of your policy will depend on what coverages you need. I operate a barn where we breed Fjords, have a small lesson program, and have less than 10 boarders. My insurance is through the American Equine Insurance Group and costs about $1600 a year. Without the lesson program, it would be about $1000 a year. It is important to be sure you have the right insurance for your operation. The last thing you want is to *think* you are covered for something and find out you are not in the event of a claim. One of the first things an insurance carrier does with a claim is to verify if it is even covered and believe me, they deny what they can. If I were using my homeowner's policy to cover my personal horses, I would check with my agent to be sure they were covered and to what limits. Like most people on this list, I do not enjoy writing those checks for my insurance premiums, but I also know how much attorneys charge. And while I am scrupulous at obtaining releases, posting signs, and my state has a good equine liability law, I know from my "real" work that it costs money even to respond to the most frivolous suit, much less a claim with any merit. I'd rather pay the insurance carrier than an attorney out of my own pocket. The good news is that there are plenty of carriers out there writing equine liability so there is no problem with availability and there is price competition. Margaret Bogie Ironwood Farm Rixeyville, VA http://ironwood-farm.com
Re: Insurance
This message is from: [EMAIL PROTECTED] "...I'd be interested in info on other peoples Insurance companies too. Especially ones that insure horse operations that do boarding, training, lessons, etc..." Hello, Mark - I have Granite for my pony & horse ride business. Don't know if they'll handle boarding/lessons, or if they carry outside of Colorado - but worth a try. They were just under $1,000 premium for a $300,000 policy for 3. Susan in Granite, S.C.A. agency 719-546-6831 Here in Colorado, the pony businesses and even the big draft carriage companies have been in a real pickle - least wise, that's the "word" coming back to me. Many of the insurance companies out there dropped any sort of equine coverage. Happy trails! Sher in Aurora, CO Like to ride weekdays? Colorado _http://groups.yahoo.com/group/COWeekdayRider/_ (http://groups.yahoo.com/group/COWeekdayRider/) Trail book for equestrians, Colorado _http://RockyMountainTrails.net/Book.html_ (http://rockymountaintrails.net/Book.html)
Re: RE: Insurance
This message is from: [EMAIL PROTECTED] - Original Message - From: "Casanova, Julie" <[EMAIL PROTECTED]> Date: Thursday, August 5, 2004 3:08 pm Subject: RE: Insurance > This message is from: "Casanova, Julie" <[EMAIL PROTECTED]> > > -Original Message- > From: [EMAIL PROTECTED] > [EMAIL PROTECTED] On Behalf Of Mariposa Farm > Sent: Thursday, August 05, 2004 4:01 PM > To: fjordhorse@angus.mystery.com > Subject: Re: Insurance > > This message is from: Mariposa Farm <[EMAIL PROTECTED]> > > I'd be interested in info on other peoples Insurance companies too. > >I use Farm Bureau - They contract out what they do not themselves cover. > > > Julie > Minnesota
RE: Insurance
This message is from: [EMAIL PROTECTED] I'm not sure I was clear on the insurance issue---it was our farm (homeowner's) policy that they will not renew because of the horses. The auto and trailers they will still cover! It was when I called to add the horse trailer with living quarters that they started questioning about the horses, then made the decision to not renew the farm policy. We have all our insurance with the same company (won't do that again!). But I am also going to find a different company for my car insurance as I feel Safeco does not deserve my business. Barb Lynch -- Original message from "Karen Keith" : -- > This message is from: "Karen Keith" > > My trailer is insured with my auto insurance, but it's individually named on > the policy, along with the truck and two cars. We use USAA. > > Karen
RE: Insurance
This message is from: "Gail Russell" <[EMAIL PROTECTED]> I had the same problem. Allstate doesn't even seem to ask the question. I had a "farm" policy, and they cancelled me after I got over a certain number of horses. The Allstate policy is a residential policy, and I did have to state that this was not a "farming operation" (it is not...these are pets). After that they asked no more questions. Gail -Original Message- From: [EMAIL PROTECTED] [mailto:[EMAIL PROTECTED] On Behalf Of [EMAIL PROTECTED] Sent: Thursday, August 05, 2004 12:49 PM To: Fjord list Subject: Insurance This message is from: [EMAIL PROTECTED]
RE: Insurance
This message is from: "Karen Keith" <[EMAIL PROTECTED]> My trailer is insured with my auto insurance, but it's individually named on the policy, along with the truck and two cars. We use USAA. Karen My insurance is with American Family as well. When I called to insure my >horse trailer, they told me that it was covered under my auto insurance. I do not have a separate policy for the trailer. I hope I am not under>insured. _ SEEK: Now with over 50,000 dream jobs! Click here: http://ninemsn.seek.com.au?hotmail
Re: Insurance
This message is from: [EMAIL PROTECTED] Hello, We use Farm Bureau for both auto, trailer, and farm. With the trailer, we use a BAPP policy. Thanks much, references are available. Lynda and Daniel Bailey's Norwegian Fjord Horse Farm White Cloud, MI 231-689-9902 [EMAIL PROTECTED] http://hometown.aol.com/baileysfjords/index.html
RE: Insurance
This message is from: "Casanova, Julie" <[EMAIL PROTECTED]> -Original Message- From: [EMAIL PROTECTED] [mailto:[EMAIL PROTECTED] On Behalf Of Mariposa Farm Sent: Thursday, August 05, 2004 4:01 PM To: fjordhorse@angus.mystery.com Subject: Re: Insurance This message is from: Mariposa Farm <[EMAIL PROTECTED]> I'd be interested in info on other peoples Insurance companies too. Especially ones that insure horse operations that do boarding, training, lessons, etc. Mark McGinley Mariposa Farm My insurance is with American Family as well. When I called to insure my horse trailer, they told me that it was covered under my auto insurance. I do not have a separate policy for the trailer. I hope I am not under insured. Julie Minnesota
Re: Insurance
This message is from: Mariposa Farm <[EMAIL PROTECTED]> I'd be interested in info on other peoples Insurance companies too. Especially ones that insure horse operations that do boarding, training, lessons, etc. The company I've had in the past is getting out of those lines and the new one that my agency recommends is pretty expensive. My horse trailer is insured thru my regular auto insurance company, (American Family) It's cheap and it covers damage by animals... including horses... even from inside the trailer! I wonder how long that will last. :) Mark McGinley Mariposa Farm Washburn, WI [EMAIL PROTECTED] wrote: This message is from: [EMAIL PROTECTED] Hi everyone! I don't post often but something came up today that I wanted some input on. We purchased a new trailer and called to add it to our insurance. Our agent called back and said Safeco wanted to know how many horses we had--like a fool, I told him! Safeco has decided that they will not renew our policy next year as we have too many horses!!! They said that they "allow" for two horses per adult. We have been with Safeco for 20+ years and have had well over 2 horses each for the whole time. They have a least given us almost a full year to find another insurer as it was just renewed in July. Now to my question--do any of you have a good insurance company that accepts the fact that you have horses in numbers above the "normal"? On another, happier subjectLatigo and I went to another show (#2) last weekend and had a great time. We showed against 2 fancy, high steppin' Morgans and a QH in 2 driving classes. We came in second in both classes behind one of the Morgans and it's trainer! I was really pleased with Latigo as he was steady as a rock even though the arena was extremely deep and "sticky" with a very rough "bottom". On to Libby!! Barb Lynch Benton City, WA
Insurance
This message is from: [EMAIL PROTECTED] Hi everyone! I don't post often but something came up today that I wanted some input on. We purchased a new trailer and called to add it to our insurance. Our agent called back and said Safeco wanted to know how many horses we had--like a fool, I told him! Safeco has decided that they will not renew our policy next year as we have too many horses!!! They said that they "allow" for two horses per adult. We have been with Safeco for 20+ years and have had well over 2 horses each for the whole time. They have a least given us almost a full year to find another insurer as it was just renewed in July. Now to my question--do any of you have a good insurance company that accepts the fact that you have horses in numbers above the "normal"? On another, happier subjectLatigo and I went to another show (#2) last weekend and had a great time. We showed against 2 fancy, high steppin' Morgans and a QH in 2 driving classes. We came in second in both classes behind one of the Morgans and it's trainer! I was really pleased with Latigo as he was steady as a rock even though the arena was extremely deep and "sticky" with a very rough "bottom". On to Libby!! Barb Lynch Benton City, WA
Re: Fjord Insurance
This message is from: "Deanna Vaughn" <[EMAIL PROTECTED]> For each of my Fjords, I have used Hallmark Equine Ins. Check them out: http://www.hallmarkhorse.com Good luck! Deanna From: <[EMAIL PROTECTED]> Reply-To: fjordhorse@angus.mystery.com To: fjordhorse@angus.mystery.com Subject: Fjord Insurance Date: Tue, 22 Oct 2002 22:09:20 -0700 (PDT) This message is from: <[EMAIL PROTECTED]> Can anyone out there recommend a good insurance agent / company / plan for equine insurance. I need to get mortality insurance on my new Fjord and I am thinking about medical insurance. Thanks, DT _ Choose an Internet access plan right for you -- try MSN! http://resourcecenter.msn.com/access/plans/default.asp
Fjord Insurance
This message is from: <[EMAIL PROTECTED]> Can anyone out there recommend a good insurance agent / company / plan for equine insurance. I need to get mortality insurance on my new Fjord and I am thinking about medical insurance. Thanks, DT
dont forget insurance
This message is from: [EMAIL PROTECTED] In a message dated 4/26/01 8:08:52 AM Mountain Daylight Time, [EMAIL PROTECTED] writes: << Shipshewanna, Indiana is the destination for the mini needing a ride from Western or eastern Wash. Owner will pay $450 >> OK, Jean, forget USPO. Thats WAY too many stamps ; ) ( hiding from Jean down here, Lisa )
Cancellation Insurance for Norway
This message is from: GAIL RUSSELL <[EMAIL PROTECTED]> If anyone knows anything special about purchasing cancellation insurance for airline trips, could you please let me know. I am about to make reservations to go to Norway, but I may have to cancel to take care of my Mom. Her health, and that of my stepfather are not good, so, while I do not want to stop doing absolutely everything (I REALLY WANT to go to Norway this year), I think I better try to control my risk. I will need fairly comprehensive insurance as it needs to cover my SO (who is not related to my parents by blood or marriage). I will need to be able to cancel if a parent dies, or if there is a change in condition of either parents. SoI am going to need pretty broad coverage. Not sure they even write that kind of policy...or whether the insurance companies can be relied upon to perform! If anyone has any "war stories" on this subject, I would appreciate hearing. Gail Russell Forestville CA [EMAIL PROTECTED]
Re: insurance
This message is from: [EMAIL PROTECTED] In a message dated 9/13/00 12:08:27 PM Mountain Daylight Time, [EMAIL PROTECTED] writes: << but the "cons" are starting to add up >> Starting to sound like HMOs, isn't it? Not to mention the things I see as a court reporter. If you're smart enough and aggressive enough, you can do ok, but you have to be willing to be pushy to get what used to be a standard of care. And if you're poorly educated or meek -- well, I hear you'll inherit the earth, but you won't do well at an HMO. Gail
Re: colic and insurance
This message is from: [EMAIL PROTECTED] > I know many vets will not agree with this, but the horses that I > have > experience with that had been on the Strongid C daily program came > in my barn > all alike: dull coat with long hair, poor tone and blood and fecal > tests that > indicated a WORM LOAD despite this daily dose of wormer. They probably weren't doing it right. You must follow the program closely. I have all of our horses on Strongid-C for several years and all have nice shiny coats and repeated fecal exams have found absolutely no parasites. My vet says > giving a > daily dose of wormer is a good way to have worms that will be > resistant. Some > of the larvae will survive and be tougher to kill. Not if used correctly. You must understand that Strongid-C acts by killing the larvae that the horse ingests not the adults in the intestine. Only the adults seem to have the ability to develop resistance to dewormers, the larvae do not. So if you first kill all the adults with a good slug of Ivermectin, then you shouldn't have to worry about resistance. Also, I am not > sure giving > a toxic substance everyday is a good thing for the horse's system. > Who said it is toxic. I'm not sure having parasite larvae migrate thru the body is good for the system either. Steve White Waterloo, NE
Re: colic and insurance
This message is from: [EMAIL PROTECTED] Debby, Next to pinworms, bots are the least of your worries. I wouldn't worry to much about them. You are right about not deworming thru the winter. Parasite activity is low at this time. Of course it depends on the winter. It was mild here last year. If you wait for a good hard frost and worm then, you are probably safe until it warms back up in the spring. Go by the temperature, not the calender. Steve White Waterloo, NE On Tue, 12 Sep 2000 17:46:24 -0500 Debby Stai <[EMAIL PROTECTED]> writes: > This message is from: Debby Stai <[EMAIL PROTECTED]> > > This is one of the reasons I went ahead and took my guys off of the > daily wormer, > give their insides time off from day after day of internal > insecticide. I'd been > told before that worming once a month with Ivermectin, granted bots > are seasonal, > but still, worming once a month with Ivermectin would not hurt them. > Now that > we're in Missouri and I would imagine there will be a winter here, > the vet said I > wouldn't need to worm them probable after October and then not again > till > spring. So, they won't get the Ivermectin then. We moved the > horses here the > first part of August and started seeing bot eggs soon after and I'm > still > scraping/shaving them off of their legs so don't see how worming > them monthly > until the bots are gone with the Ivermectin can do anything but > help. Debby > > > > > > >
Re: colic and insurance
This message is from: [EMAIL PROTECTED] Daily strongid with twice yearly ivermectin for > bots > is what the Strongid company reccommends. > > What do you think, Dr. Steve? > Yes, I think this is the best way. Steve White Waterloo, NE
Re: colic and insurance
This message is from: Debby Stai <[EMAIL PROTECTED]> This is one of the reasons I went ahead and took my guys off of the daily wormer, give their insides time off from day after day of internal insecticide. I'd been told before that worming once a month with Ivermectin, granted bots are seasonal, but still, worming once a month with Ivermectin would not hurt them. Now that we're in Missouri and I would imagine there will be a winter here, the vet said I wouldn't need to worm them probable after October and then not again till spring. So, they won't get the Ivermectin then. We moved the horses here the first part of August and started seeing bot eggs soon after and I'm still scraping/shaving them off of their legs so don't see how worming them monthly until the bots are gone with the Ivermectin can do anything but help. Debby > >
Re: colic and insurance
This message is from: [EMAIL PROTECTED] I know many vets will not agree with this, but the horses that I have experience with that had been on the Strongid C daily program came in my barn all alike: dull coat with long hair, poor tone and blood and fecal tests that indicated a WORM LOAD despite this daily dose of wormer. My vet says giving a daily dose of wormer is a good way to have worms that will be resistant. Some of the larvae will survive and be tougher to kill. Also, I am not sure giving a toxic substance everyday is a good thing for the horse's system.
Re: colic and insurance
This message is from: Jean Ernest <[EMAIL PROTECTED]> I purchase liquid EQVALAN (Ivervectin) from my vet in a 100 ml bottle which would be ten doses. I think worming with ivermection MONTHLY might not be such a good thing...alternating with Strongid paste every 6-8 weeks might be a better idea. Especialy if your horse are in a "closed" herd. I think you can overdo the worming. Daily strongid with twice yearly ivermectin for bots is what the Strongid company reccommends. What do you think, Dr. Steve? Jean in even soggier Fairbanks, Alaska, more rain, won't it ever cease? At 11:18 AM 9/12/2000 -0700, you wrote: >This message is from: GAIL RUSSELL <[EMAIL PROTECTED]> > > thank goodness for the tendose liquid wormer for horses from >>the vet or the cost would be terrible. > >What is that? >Gail Russell >Forestville CA >[EMAIL PROTECTED] > > > Jean Ernest Fairbanks, Alaska [EMAIL PROTECTED]
Re: colic and insurance
This message is from: Debby Stai <[EMAIL PROTECTED]> Its a liquid ivermectin for horses, an approximate ten dose vial, that you just squirt in their mouths, doesn't take much, doesn't taste bad, yes, I did taste it. We have a QH whos terrible about putting stuff in his mouth, except apples and treats. I squirted it on his grain and he ate it all up. The vial cost just under $70. which is not a bad deal. The vet introduced it to me with our new move here in Missouri. He claims, Steve would know if this is the case, that in the first few days of taking this, that when a tick bites them, it kills the ticks. Only works for the first few days but is another of so many things I'm trying to do to control the tick population. And now that I'm finding the bot eggs, it should help with that, I hope. Debby GAIL RUSSELL wrote: > This message is from: GAIL RUSSELL <[EMAIL PROTECTED]> > > thank goodness for the tendose liquid wormer for horses from > >the vet or the cost would be terrible. > > What is that? > Gail Russell > Forestville CA > [EMAIL PROTECTED]
Re: colic and insurance
This message is from: GAIL RUSSELL <[EMAIL PROTECTED]> thank goodness for the tendose liquid wormer for horses from >the vet or the cost would be terrible. What is that? Gail Russell Forestville CA [EMAIL PROTECTED]
colic and insurance
This message is from: Debby Stai <[EMAIL PROTECTED]> Gail brings up some really good points on insurance and daily Strongid wormer. I'd always had my guys on the daily wormer because we were always at boarding barns. Now I'm at my own place, I've taken them off of it. What are your thoughts on that? I see very little flies though I have found the bot eggs on their legs, which is really strange as we have no horses for neighbors, only cattle, and this place that we bought was empty of horses for over a year. I know the strongid does not work on the bots and have been dosing with Ivermectin monthly since we've been here, thank goodness for the tendose liquid wormer for horses from the vet or the cost would be terrible. Gail mentioned the colic insurance that goes along with feeding the daily wormer which is a really good point. If you buy mortality insurance, along with that usually comes colic surgery, something like 60%, so along with the daily wormer, you'd definetly be covered. What is everyones opinion on this? I'd also like to know insurance companies you've dealt with and would recommend (or not). Thanks. Debby in Mo
Re: Insurance for Fjords
This message is from: [EMAIL PROTECTED] Thanks Elaine for the detailed infor on insurance. We will check yours along with some others recommended on this list and make a decision. It's something we keep putting off. Our Fjord has been so healthy, as well as our 27 yr. old Arab!! It's the dang Quarter horses that keep coming up with things -- but I do love them all dearly!! We'd probably only insure my daughter's show horse and the Fjord. My mare is 12 and has bone spavins which are managed beautifully with Glucosamine daily. Not sure if her resale value is worth the insurance. Lots to think about. Susan
Re: Insurance for Fjords
This message is from: "B. Hendricks" <[EMAIL PROTECTED]> My daughter bought a purebred Akhal-Teke gelding some years ago at a sizeable price, and insured him. She was going to use him in endurance. He had been foundered slightly prior to her buying him, and it didn't really show itself, and when he went to work everything fell apart. She had insured his life, and medical care, however she didn't include "loss of use" and the insurance company would not agree to her putting the horse down and collecting so she could replace him. They insisted he could be made a "comfortable cripple" - he was four years old, a beautiful dun, useless, and it was hard to see how he would ever really be "comfortable." Be sure what you are insuring for, and read the small print. Counting her purchase price and the trip to Colorado to pick him up, she was out over $14,000. As the horse looked perfectly fine before she bought him, and the vet had not checked his feet for tenderness, the founder was not detected and he was declared sound and healthy. This colt grew up in a large pasture and had only been at the trainer's for about three months, where they had put him on a rich diet of alfalfa and grain. When Carol bought him, everything looked fine, so she hauled him home. At home, she fed only good grass hay and some supplements - she noticed that he seemed tender in the front but thought he only needed shoes... Bonnie Please visit my web sites: Commissioned Horse Portraits, Oil Paintings, Prints, Books http://www.hendricksgallery.com and http://members.xoom.com/BHendricks/Gallery1.html - Original Message - From: <[EMAIL PROTECTED]> To: <[EMAIL PROTECTED]> Sent: Friday, July 23, 1999 3:04 PM Subject: Re: Insurance for Fjords > This message is from: [EMAIL PROTECTED] > > In a message dated 7/22/99 20:23:13 Pacific Daylight Time, [EMAIL PROTECTED] > writes: > > << I'd be interested to hear the other side of this argument: has anyone > had a good experience with insurance coverage? >> > > Somebody on another email list I'm on had a Morgan who she loved dearly, > despite the ditzy things he did. Really stupid things. Unfortunately, last > month his leg shattered and he had to be put down. Insurance is paying for > the horse she just found, another Morgan that doesn't have the self-destruct > attitude her last one did. She buys him this month, as soon as the insurance > check arrives. > > Pamela >
Re: Insurance for Fjords
This message is from: [EMAIL PROTECTED] In a message dated 7/22/99 20:23:13 Pacific Daylight Time, [EMAIL PROTECTED] writes: << I'd be interested to hear the other side of this argument: has anyone had a good experience with insurance coverage? >> Somebody on another email list I'm on had a Morgan who she loved dearly, despite the ditzy things he did. Really stupid things. Unfortunately, last month his leg shattered and he had to be put down. Insurance is paying for the horse she just found, another Morgan that doesn't have the self-destruct attitude her last one did. She buys him this month, as soon as the insurance check arrives. Pamela
Re: Insurance for Fjords
This message is from: [EMAIL PROTECTED] Susan, I think there are many good insurance companies out there now, and I believe that the AHSA has horse insurance now, too. They would be very reputable and competitive with their pricing. I have used a company called Ziplow for over 10 years and I have had no problems.(800-822-2202). It is always a tough decision whether or not to spend money on insurance. I had a friend that spent over 50K on a horse, did not insure it, and it died within a week. She is still paying on the loan for the horse. I live in an urban area where my horses are always trailered on the freeways, and are left at different show grounds, etc. I feel that they are at a little more risk than if I lived in the country. The most useful thing about insurance is the major medical coverage, that you have to ask for in addition to mortality. It has a $250 deductible, but it covers anything that is not routine maintenance. We all know how fast vet bills can get over $250, so it can come in handy. You should be able to get rates of 3% if you are not using the horse for any thing other than pleasure or dressage. So for a horse insured for $4000, let say, you should have to pay $120, plus and additional $150-250 for major medical a year. Hope this gives you some information. Elaine Olsen
Re: Insurance for Fjords
This message is from: [EMAIL PROTECTED] This is from Alex Wind. When I looked into insuring my first Fjord, I found that the cost was very high and the coverage was very limited. My Techla cost $10,000. Each year I would have had to pay $1000, so in ten years I would have paid for her twice. There were all kinds of rules and exceptions. Road accidents were covered, but lightening strikes were not. It covered theft, but only if you had your gates padlocked! As it turned out Techla died after I had only owned her for four years, fortunately, she replaced herself, by having a filly, ever more beautiful and large, than herself. So you are saying, "Aha, she should have bought the insurance after all!" But she died suddenly and with no explanation. The autopsy results were "colitis X," meaning that they could really find no cause. I doubt that the insurance would have paid, because it requires a definite cause of death. So I'm still undecided whether it's a good idea, or not. My impulse is to just take my chances. I can just see the insurance premiums, for some of you with large farms, and lots of Fjords. I'd be interested to hear the other side of this argument: has anyone had a good experience with insurance coverage? Wondering, again. Alex
Re: Insurance for Fjords
This message is from: "Jean Gayle" <[EMAIL PROTECTED]> I have a good insurer and trust her. Eve Willett at 1 800 jog trot. Jean Gayle Aberdeen, WA [Authoress of "The Colonel's Daughter" ] http://www.techline.com/~jgayle -Original Message- From: [EMAIL PROTECTED] <[EMAIL PROTECTED]> To: [EMAIL PROTECTED] <[EMAIL PROTECTED]> Date: Thursday, July 22, 1999 12:37 PM Subject: Re: Insurance for Fjords >This message is from: [EMAIL PROTECTED] > >Elaine, > >We're thinking of insuring 2 of our 4 horses. Do you recommend anyone in >particular? Who do you use? What can you expect to pay for it?? > >Susan >
Re: Insurance for Fjords
This message is from: [EMAIL PROTECTED] Elaine, We're thinking of insuring 2 of our 4 horses. Do you recommend anyone in particular? Who do you use? What can you expect to pay for it?? Susan
Re: Insurance for Fjords
This message is from: "Denise Delgado" <[EMAIL PROTECTED]> thanks, elaine. a lot of helpful info on insurance. i am checking into and so far am still shipping, but will get it just in case. thanks, denise - Original Message - From: <[EMAIL PROTECTED]> To: <[EMAIL PROTECTED]> Sent: Tuesday, July 20, 1999 5:05 PM Subject: Re: Insurance for Fjords > This message is from: [EMAIL PROTECTED] > > I have my Fjords insured, and my other horses, too. They do a lot of > traveling. Insurance is based on the purchase price of the horse. You can > raise the amount of your coverage, but often have to substantiate it when you > get in the higher amounts. In other words, someone just can't say, this filly > is worth $100, 000. without proving it somehow. I am requested to submit show > records every year to show that I do use the horse for dressage (a lower rate > than jumping). Most insurance companies have you pay a premium based on 3-5% > of your insured value per year. I would strongly recommend adding major > medical coverage to the policy for an extra $150-250. > > If you don't know the market value of your horse, I'm sure the insurance > company can help you with that. It only gets tricky when you start getting > horses valued over $25,000. Then, you have to submit a vet check every year > with your application. > > Unfortunately, I had to use my insurance policy when I lost a horse to colic. > The bills were over $5000 (surgery involved) and they paid for everything, > including what I paid for the horse. > > Elaine Olsen > > > > > >
Re: Insurance for Fjords
This message is from: [EMAIL PROTECTED] I have my Fjords insured, and my other horses, too. They do a lot of traveling. Insurance is based on the purchase price of the horse. You can raise the amount of your coverage, but often have to substantiate it when you get in the higher amounts. In other words, someone just can't say, this filly is worth $100, 000. without proving it somehow. I am requested to submit show records every year to show that I do use the horse for dressage (a lower rate than jumping). Most insurance companies have you pay a premium based on 3-5% of your insured value per year. I would strongly recommend adding major medical coverage to the policy for an extra $150-250. If you don't know the market value of your horse, I'm sure the insurance company can help you with that. It only gets tricky when you start getting horses valued over $25,000. Then, you have to submit a vet check every year with your application. Unfortunately, I had to use my insurance policy when I lost a horse to colic. The bills were over $5000 (surgery involved) and they paid for everything, including what I paid for the horse. Elaine Olsen
Re: Insurance for Fjords
This message is from: [EMAIL PROTECTED] Hello! I am looking into getting an insurance policy for my yearling filly. I am curious as to whether or not anyone else has policies on their Fjords and how the amount of coverage was determined. My filly is considered by my husband and I to be one of our "valuables" and as such we want to make sure that should anything happen to her our options are not limited by available funds. Any help would be greatly appreciated. Thanks in advance! Tami -- In Newberg, OR where summer has finally arrived! :-)
Re: Insurance / Halters / Bits / T-Shirts !
This message is from: GAIL RUSSELL <[EMAIL PROTECTED]> > > The AHSA is a good group to belong to, and along with our ADS membership we >carry it each year, as with it, it has a policy to cover ANY equine accident, >either on our place or while out showing, parading ect. This also covers us >when we have riders help train our Fjords, as we mostly drive, and people >trying them out when they are for sale. Hi Lisa, Are you sure others are always covered when riding your Fjords? When I read the policy I thought it required that the other party riding also be an AHSA member. Maybe it was only when the other party is being paid to ride/train. Will look at the policy again when I unearth it from the pile on my desk - but I think that is what it says. Gail Gail Russell Forestville CA [EMAIL PROTECTED]
Re: Insurance / Halters / Bits / T-Shirts !
This message is from: [EMAIL PROTECTED] Hi List ! Too hot to be outside anymore here ( 103 ) but thought I would come in and read what all of you are doing. Jon and Mary, your idea of a boarding stable is a good one. I have to admit that the first thing I thought of was also the insurance. It is a sad thing to have to worry about people suing you over getting injured, or losing a horse and blaming it on feed, or tripping over their own two feet, ect.but here in lawsuit crazy Calif. I have friends in the animal business, and they both carry large policys, that over-cover every area of what could happen, and both have still been hauled into court in past years when someone thought they had been harmed. One person was sued by her " handyman " work under the table type, who built pens, and fixed up things around her place. He tripped and fractured his ankle and claimed total disability.was complicated by his filing a workmans comp. claim, even though he had been doing odd jobs for her " under the table " for years. Brought the fear of an IRS audit and state employee rights groups in with it. Her second run into court was because a pygmy goat in her petting zoo, knocked a tiny child flat, scraping her hand and scaring her. Her policy paid that one off. My other friend does weddings and carriage rides for hire. He also carries a 6 million dollar policy, to cover himself. It just isnt worth it to lose ones house and business because of being uninsured and taking the responsibility of people riding, or even visiting our horses, and getting hurt. The AHSA is a good group to belong to, and along with our ADS membership we carry it each year, as with it, it has a policy to cover ANY equine accident, either on our place or while out showing, parading ect. This also covers us when we have riders help train our Fjords, as we mostly drive, and people trying them out when they are for sale. I would encourage all Fjord owners, who sometimes let the friends kiddies, or have people visit the Fjords to join the ASHA, ( American Horse Show Ass.) Wanted to comment on the halter thing, if everyone isnt too sick of it. Lynda, I understand that you are trying to keep control of your horses while they are turned out, and with you right there, it poses less risk, than if you were gone all day, and leaving them unattended. Still, I believe that IF one of your Fjords caught a halter on a fence, gate, foot, shoe, ect. the panic that insues often prevents you from being able to get in there and help. Its not the halter that kills or disables horses, its the injuries sustained while panicing. I have also heard many stories, and always considered it proper to remove halters while not being led or worked somewhere, but not until a close friend lost a beautiful Paint filly, and another lady down the street, lost her Champion QH, did it make sense to me. I would rather train mine to come in with a signal or a reward then leave it to chance. Then again, we trailer our horses across the country, and to shows where any number of things could happen. Risk is always a choice of each owner, and I could never just lock up my horses in a " perfect " enviorment, hoping they wouldnt hurt themselves, to miss the fun of showing and using them for what we train for. As far as bits go, mine that drive, seem to prefer a Liverpool Mullenmouth, and those being ridden, seem to like a Pelham or wide snaffle. I never use a twisted wire bit, unless its during a training phase, with careful, light hands. If people are having problems with whoa.they need to go back to groundwork and gain a respect for that word. NO BIT will stop a true runaway.and the CD-List has covered that subject alot, and is in their archives. I would rather drive a horse with my pinkies, then HOLD its mouth all day or be pulled on. I also like the French Link Bits. They have the snaffle in a 3-jointed part, seems to fit the Fjord flat pallets better. Hope everyone has a GRAND 4th of July weekend. Cant wait to see some of you in Blue Earth, in a few weeks. Steve, are you going to have those T-Shirts there for sale? If not, put me down for a XXX Large, ( OK IM FLUFFY AND LIKE TO SHRINK THEM..) and I'll get a check right off to you, will P/U at BE.Thanks ! Lisa Pedersen PS Has anyone arrainged our Dairy Queen meeting yet? H, Steve? Mike ? HAVE YOU DRIVEN A FJORD...Lately ?
Re: Liability Insurance for horsde owners
This message is from: [EMAIL PROTECTED] I have Liability Ins for my teaching. It costs me $240 per year with 1 school horse on my policy. I get a discount for being an ARIA certifed instructor and a graduate B pony clubber. The policy is through American Bankers Ins Co, my agent is a local business...that's part of the reason I chose it. I have a problem, there is a human face to talk to. Right now I am happy with it, it's inexpensive but the coverage is good. Kate
Re: Liability Insurance for horsde owners
This message is from: GAIL RUSSELL <[EMAIL PROTECTED]> Jean, I am completely confused by the insurance issue. I got a livestock rider for my farm policy that covers me should the horses get out onto the highway and cause a wreck. When i looked into the AHSA policy it appeared to me that it only covered incidents where the horse was under the control of the owner (or was being used with permission of the owner), NOT when the horses were under there OWN control (i.e. escaped from the property). I pay about $175 per year for my rider, and they are not going to be pleased to find out that I've added about four horses, one of whom is a free boarder here. (They sent out an inspector specifically to check that my fences were sound.) And I think my landowner policy probably does not cover me if the horses are away from home, or even if they are ridden by someone else. If you still have the policy out can you have a look at the kind of thing they really intend to cover. I figure I can get sued for (1) negligent fence maintenance if the horses escape(2) my horse injuring another rider or handler (or property)when handled by another rider or handler (3) my horse injuring another (or property) when I am riding or handling him (4) my free boarder's horse doing any of the above plus a few more possibilities I haven't even considered. So.. I'd like to find the best way to manage the risk. I noticed AHSA has additional insurance available as well, which might be cheaper than what I;ve got. At 09:10 AM 5/13/99 -0800, you wrote: >This message is from: Jean Ernest <[EMAIL PROTECTED]> > >I have just joined the AHSA, not because I plan to show in any AHSA shows, >but to have the Liability insurance provided with a membership. It has >always been in the back of my mind that someone could get hurt around my >horses, as "gentle" as they are, and I could get sued and lose everything. >Then I read that The American Horse Shows Association (AHSA) provides >insurance coverage to their members through Equisure Inc. The Personal >Liability covers the legal liability of a member arising out of the use >and/or ownership of a horse or horse drawn vehicle. Gail Russell Forestville CA [EMAIL PROTECTED]
Liability Insurance for horsde owners
This message is from: Jean Ernest <[EMAIL PROTECTED]> I have just joined the AHSA, not because I plan to show in any AHSA shows, but to have the Liability insurance provided with a membership. It has always been in the back of my mind that someone could get hurt around my horses, as "gentle" as they are, and I could get sued and lose everything. Then I read that The American Horse Shows Association (AHSA) provides insurance coverage to their members through Equisure Inc. The Personal Liability covers the legal liability of a member arising out of the use and/or ownership of a horse or horse drawn vehicle. I won't go into detail, but it looks like it covers damage to people and property on and off the farm. It looks prety good. Does anybody have any more information or has anybody had to make use of this insurance? You can join AHSA by sending in a memebership form downloaded off the website http://www.ahsa.org/ Jean in Fairbanks, Alaska, where the trees are turning green and I must get off this computer asnd go play(work) outside! Jean Ernest Fairbanks, Alaska [EMAIL PROTECTED]
