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:
Optional Add-onsYou may choose to add on OPTIONAL insurance programs from Intercity Insurance Services; "Members Tack", "Members Named Perils", and "Optional Accident, Death or Dismemberment".
♦ Information about the Optional Accidental Death and Dismemberment insurance coverage♦ Information about the Optional Tack insurance coverage - 2023♦ Information about the Optional Members Named Perils (death of horse) insurance coverage - 2023♦ Information on Travel Coverage with TuGo
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Other Insurance Available♦ Insurance Program for Clubs♦ Insurance Application for Equine Professionals - Coaches
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What to do in the event of a claim
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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.
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Acera Insurance now has a Client Advisor and Equine/Agricultural Specialist right here in New Brunswick!
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