LIABILITY & WORKER’S COMP

Our long-standing relationships with the most experienced underwriters in the industry define our special network of resources. Let us utilize our expertise on your behalf, from liability to workers’ comp. Navigate the tabs below for more information on these coverages we offer.

Owners' & Trainers' Liability Program

The National Horsemen’s Benevolent & Protective Association (N.H.B.P.A) through StarNet Insurance Company (a Berkley Company) is a program for members of the H.B.P.A. to protect your assets in the event you are liable for bodily injury or damage to property arising from your equine activities, whether that be breeding, racing, sales or training. This special program has been devised exclusively with H.B.P.A. member’s equine exposures in mind.

  • The master policy is effective November 1 - November 1, annually.
  • New applicants applying for coverage: rates are $90 per horse before April 30 and $50 per horse after May 1st.
  • Renewing applicants must send application/payment($90 per horse) by November 1 each year in order to continue coverage without a lapse.
  • Complete a state-specific application on our Forms Page, include ALL owned/trained horses and send calculated premium to our office.

*If you are NOT a member of the N.H.B.P.A. or state H.B.P.A. affiliates, we can facilitate your annual membership. Please include a separate check of $200 for the annual Membership fee or call the National H.B.P.A. at 1-866-245-1711.

Coverages

  • Covers liability for injuries to participants (non-employee jockeys & non-employee exercise riders) This policy will respond in the event that you are legally liable for bodily injury of an athletic participant arising from your equine activities.
  • Covers contractual liability (i.e. hold harmless in Racetrack Stall Agreements)
  • Premises & Operations Liability coverage for all equine operations including breeding, boarding, training and racing (away from premises).
  • Limits provided:
    • $1,000,000 per occurrence / $2,000,000 aggregate (combined bodily injury / property)
    • $50,000 Damage to Rented Premises
    • $5,000 Medical Payments
    • Excess limits available, with Underwriter approval

*Please note: This coverage is NOT a substitute for Workers’ Compensation, Health or Accident, or a Farm Owner’s policy. Such alternate coverages would be primary in the event of a claim.


Questions? Call (502) 228-1600 or visit our FAQs

Excess Liability Coverage

Excess liability coverage is ONLY available with underwriter approval from StarNet.

Annual premiums are based on your total number of horses as follows:

Total Number of Horses under 45 Total Number of Horses 45 or More
$1 Million @ $   817.00 $1 Million @ $1,362.00
$2 Million @ $1,362.00 $2 Million @ $2,451.00
$3 Million @ $1,906.00 $3 Million @ $3,541.00
$4 Million @ $2,451.00 $4 Million @ $4,630.00
$5 Million @ $2,996.00 $5 Million @ $5,719.00

Higher limits above $ 5 Million may be available. Call (502) 228-1600 if you are interested in a quote.

Worker's Compensation

Currently, we can ONLY provide coverage for operations that are based in Kentucky or New York.

An “all states” policy is available, however at least 75% of the payroll must be in Kentucky or New York. Four year loss runs are required in order for us to obtain a quote. We do not write minimum premium policies for operations with no employees.