Insurance Program

 

CapriCMW Insurance is the official insurance provider of the New Brunswick Equestrian Association. 

 

 

AUTOMATIC INSURANCE COVERAGE for current NBEA Members

 ► $5,000,000 Personal Liability Insurance ($1000 Property Damage Deductible)

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).

► $30,000 Accidental Death & Dismemberment Coverage

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)

 

SOME FACTS ABOUT YOUR AUTOMATIC INSURANCE OF the NBEA

 

$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 neighbor’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:

  1. The insurance policy DOES contain an EXCLUSION if your horse is used for COMMERCIAL This means that if you receive compensation for the use of your horse – (e.g. “money” or “trade of value” for riding instruction, or reduced board for the use of your horse by someone else in a lesson) this policy will NOT respond. THIS IS A PERSONAL LIABILITY POLICY ONLY.
  2. Because of the inherent risks associated with horse related activity, we strongly recommend that anyone and everyone who rides your horse obtain and maintain membership in the NBEA to take advantage of the insurance benefits provided. This is a prudent risk management practice.
  3. The insurance policy DOES contain an EXCLUSION related to claims made between immediate family members. (e.g.- the parent/spouse of a member will not be covered by this insurance if their own child / spouse sued them)
  4. Part of the liability coverage provided through membership addresses the exposure that could arise IF YOU, THE MEMBER transport (TRAILER) a horse that DOES NOT belong to you (in a non-commercial situation). If that non-owned horse were injured as a result of your negligence and IF that other person decided to sue you for compensation for their loss, the policy will respond – up to a limit of $10,000 for any one horse. Please note – this is NOT commercial horse transport insurance and is NOT life insurance for the horse being transported – this is liability insurance to protect you if you are sued by a third party when you are in the care, custody and control of a non-owned horse.

$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:

  1. Coverage is provided for Canadian residents only;
  2. This is not a short term disability (STD) or long term disability (LTD) insurance policy nor does the policy provide compensation for lost wages;
  3. The policy that is included with your membership does not provide any payment for fracture or dental injuries.
  4. THIS AUTOMATIC COVERAGE ONLY APPLIES TO MEMBERS UNDER THE AGE OF 90 YEARS.

 

♦ Individual member summary and FAQ 2019

♦ Learn more about your automatic Liability Coverage that comes with your NBEA membership

♦ Your automatic Accidental Death & Dismemberment coverage

 

Optional Add-ons 

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!

 

♦ Information about the Optional Accidental Death and Dismemberment insurance coverage - 2019 

♦ Information about the Optional Tack insurance coverage - 2019

♦ Information about the Optional Members Named Perils insurance coverage - 2019 

♦ Information on Travel Coverage with TuGo

 

 

Other Insurance Available

2019 Insurance Program for Clubs

2019 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 CaprisCMW Insurance Services directly and they will be pleased to assist you.

Mike KingCAIB, R.I.B.
Partner

T  905 841 8200
    C  905 717 0785     

E  [email protected]