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Photo by
Dan Dry
N.H.B.P.A. Owners & Trainers Liability Program
c/o Stone
Lane, LLC (Kevin S. Lavin)
P.O. Box 1001 Pewee Valley, Kentucky
40056
Phone: 800-446-3112
FREQUENTLY ASKED
QUESTIONS
Dear
Owner/Trainer:
Thank you for your inquiry into the National H.B.P.A.
Owners' and Trainers' Liability Program. Following is an application and a
brief outline of coverage you requested. For your review, we have addressed
some frequently asked questions about our program and
coverage.
Please Note:
- The National HBPA Owners & Trainers
Liability Program is ONLY available to MEMBERS of the NHBPA and
its state HBPA affiliates. In the event you are NOT a member, please
include a separate check for $100 payable to the NHBPA for an Associate
Membership fee; this is an annual fee.
- For questions regarding your membership status,
please call your local state affiliate HBPA where you run your horses or call
the National HBPA at 1-866-245-1711.
- In consideration of the coverage afforded by
this policy, the insured agrees during the term thereof to remain a member in
good standing of the National HBPA, Inc. and its state affiliates.
- StarNet is rated "A" by Best & Company.
- The program runs from November 1, 2007 to
November 1, 2008. Renewal each year is subject to company approval.
- The current rate for the 2007-2008 policy term
is $90.00 per horse (3 or more) subject to $180.00 minimum premium (1-2 horses)
on an annual basis. The rate for coverage after May 1st is $50.00 per horse
subject to $100.00 minimum premium.
- You must include all owned or trained
horses in your calculation unless approved otherwise by Stone Lane, LLC.
- What is the Equine Owners and Trainers
Liability Insurance Program? - This is a policy designed to protect you
from bodily injury or property damage liability claims or suits arising out of
your horse activities (including breeding, racing, sales, and training).
- Additional Coverage Highlights: Subject to
the exclusions and conditions of the policy; Coverage is provided for:
- Liability from bodily injury to participants
(other than your employees) is covered. This insurance is not a
substitute for workers' or workmen's compensation coverage and is not
health or accident insurance for participants.
- Liability you are required to assume under a
written contract or agreement to indemnify or hold another harmless for horse
activities.
- Personal and advertising injury related to
your horse activities.
- This coverage is not a substitute for
a farm liability and/or property policy. If you already have a farm liability
policy with an equine activities endorsement, this insurance is limited to
bodily injury to participants and applies as excess insurance to any other
coverage afforded under the farm form.
- Limits of Insurance - Each member
additional insured has their own $1,000,000 coverage for each occurrence
and $2,000,000 General Aggregate. Damage to premises rented to you or
occupied by you with the permission of the owner is provided with a limit of
$50,000. Medical Payments coverage applies as well in the amount of
$5,000 per person.
- Additional limits up to $25,000,000 maybe
available through Fireman's Fund. Please contact our office.
- Stone Lane, LLC also specializes in
Mortality Insurance! Please contact our office for additional
details.
If you have any
additional questions, please do not hesitate to contact us. Your coverage will
become effective upon receipt of your application and check in our office. In
return, you will receive a Certificate of
Insurance.
Sincerely,
Kevin S. Lavin
Stone Lane, LLC
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