IMPORTANT INFORMATION REGARDING WILD FIRES AND INSURANCE COVERAGE -click for details
We are also obliged to advise that no new insurance coverage can be placed when an active wildfire is less than 50 km away.
This includes the optional coverage for Tack and Members Named Perils horse insurance.
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:
$40,000 (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 ACERA. Each policy covers the calendar year.
Please be sure to read the FAQ carefully - Click the title for more information:
♦ Extra Accidental Death and Dismemberment insurance coverage - $45
♦ Tack insurance coverage - $50
♦ Members Named Perils (MNP - death of horse insurance coverage - $25
♦ Weekly Accident Indemnity (WAI) insurance coverage - ***new*** - $195
♦ Emergency Life Saving Surgery (ELSS) + MNP insurance coverage - ***new*** - $60
♦ Emergency Stabling Expense (ESE) + MNP - ***new*** - $25
These can be purchased along with your NBEA membership, or anytime afterward.
You can purchase them through the HorseReg database walk-through or contact [email protected] for help.
♦ Information on Travel Coverage with TuGo
Other Insurance Available
♦ Insurance Program for Clubs
♦ Insurance Application for Equine Professionals - Coaches
What to do in the event of a claim
If you have any questions or require more comprehensive and individualized coverage, please contact Acera Insurance directly and they will be pleased to assist you.
Mike King, CAIB, R.I.B.
Acera Insurance has a Client Advisor and Equine/Agricultural Specialist right here in New Brunswick!