Protects you, the member, if you are sued by a third party because a horse that you own or lease, ride or handle non-commercially, causes property damage or bodily injury to a third party. **Liability coverage is for non-commercial equine related activities. Some limitations and exclusions apply. Coverage is in force 24 hours a day, seven days a week, and covers the member (Canadian resident) anywhere in the world. (Exclusions apply for members who are non-Canadian residents).
Covering you, the member, should you suffer a catastrophic injury, dismemberment or death arising from equine related activities. (Under the age of 90 and only available to Canadian Residents)
$5,000,000 of excess PERSONAL LIABILITY insurance that WILL protect YOU, THE MEMBER if YOU, THE MEMBER are SUED by a third party because a horse that YOU, THE MEMBER own, lease or use causes PROPERTY DAMAGE OR BODILY INJURY TO A THIRD PARTY.
A few examples of situations where YOU, THE MEMBER, HAVE COVERAGE:
Example 1. The horse kicks or bites someone causing bodily injury
Example 2. The horse kicks a car or escapes on to a neighbour’s land causing property damage
Example 3. “Someone else” is holding your horse and the horse causes property damage or bodily injury to a third party.
The policy is IN FORCE 24 hours a day, seven days a week, anywhere in the world. So if you board your horse elsewhere, keep your horse at home or go for a ride down the road or on the trail – YOU, THE MEMBER are covered.
The policy will provide liability protection regardless of the number of personal use horses you own or lease. Some important information to consider:
$30,000 (Principal Sum) Accidental Death or Dismemberment coverage if YOU, THE MEMBER suffer from a scheduled (listed) catastrophic and permanent injury (or death) related to an incident where horses are involved. This coverage is in force 24 hours a day, seven days a week, and covers the member anywhere in the world.
Please note the following conditions and exclusions pertaining to the included AD&D coverage:
You may choose to add on OPTIONAL insurance programs from Intercity Insurance Services; "Members Tack", "Members Named Perils", and "Optional Accident, Death or Dismemberment". Read More about these services here!
Other Insurance Available
If you have any questions or require more comprehensive and individualized coverage, please contact CapriCMW Insurance Services directly and they will be pleased to assist you.
Mike King, CAIB, R.I.B.