Horse Show Insurance – Equine Event Insurance
Horse Show Insurance
Equine Event Insurance
By: Allen Financial Insurance Group
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The Equestrian Group’s Horse Show Insurance & Equine Event Insurance policy provides insurance solutions for the unique needs of the rodeo, equine and livestock industries. Our clients include major rodeo sanctioning organizations, rodeos and livestock shows, rodeo stock contractors, and horse expositions throughout the United States.
The Equestrian Group provides Horse Show Insurance & Equine Event Insurance for rodeos, horse shows, livestock shows, ropings, pennings, barrel racings, horse expositions and clinics as well as many other equine and rodeo-type events. In addition, we also provide accident coverages tailored for your contestants and volunteer workers. If you manage, hold or sponsor Horse Shows, competitions or events, you have a public exposure that needs Horse Show Insurance & Equine Event Insurance.
Every year millions of horsemen participate in equine special events ranging from horse shows to parades to rodeos. Finding just the right kind of equine event insurance liability can be difficult and costly. Allen Financial through it’s specialty Equestrian Group underwriting division has created this comprehensive and affordable short term liability policy.
Horse Show Insurance – Equine Event Insurance Description
The Horse Show Insurance and Equine Event Insurance policy extends coverage to the show organizers, Premises owners, show officials, committee members, judges, volunteers who all may be included as additional insured’s. Coverage is written on an occurrence basis through an admitted, A rated insurance company. It’s important that your equine event insurance is provided by an A rated company with a national presence, strong financial background and established equine expertise. The Equestrian Group offers this stability through it’s Equine Special Events Division. The Equestrian Group has served horse owners for over 40 years. Our knowledgeable agents, underwriters and claims staff possess the experience and training to handle all facets of your equine insurance.
Equine Special Event Types:
- Festivals & Concerts
- Horse Expo
- Horse Shows
- Barrel Racing
- Clinics & Seminars
- Cutting & Reining
- Drill Team Performance
- Mounted Shooting
- Roping Events
- Rodeo Events – No Spectator Involvement
- Steer Wrestling
- Team Penning & Sorting
- Trail Rides
Limits of Liability
|Aggregate Products / Completed Operations||$1,000,000|
|Personal / Advertising Injury||$1,000,000|
|Fire Legal Liability||$100,000|
Additional Coverage’s Available:
- Stock Contractor Liability
- Weather / Event Cancellation
- Non-Appearance Coverage
- Inland Marine / Equipment
- Commercial Automobile
- Liquor Liability
- Excess / Umbrella Liability
Approved for use by:
- American Competitive Trail Horse Assn
- American Cowboy Team Roping Assn
- American Equestrian Alliance
- American Endurance Ride Conference
- American Miniature Horse Assn
- American Paint Horse Assn
- American Polo Crosse Assn
- American Professional Rodeo Assn
- American Quarter Horse Association
- American West Barrel Racing Assn
- Arabian Horse Association
- Extreme Cowboy Association
- International Barrel Racing Assn
- International Professional Rodeo Assn
- National Barrel Racing Assn
- National Cutting Horse Assn
- National Professional Rodeo Assn
- National Reining Horse Assn
- National Senior Pro Rodeo Assn
- Pacific Coast Horse Show Assn
- Professional Rodeo Cowboy’s Assn
- United States Dressage Federation
- United States Equestrian Federation
- United States Eventing Association
- United States Hunter Jumper Assn
- United States Polo Association
- Women’s Professional Rodeo Assn
Things You Should Know:
Why do I need Horse Show & Equine Liability Insurance?
If you organize equine events, you know how much planning and effort is involved to make the occasion both safe and successful for everyone involved. Even with the most careful planning, unexpected situations can arise that you might not be prepared for. Without adequate liability protection you will have to pay damages and defense costs yourself. If the damages and costs are high enough you may suffer financial hardship or bankruptcy.
What does the Horse Show & Equine Liability Insurance Policy Cover?
This policy was specifically designed to protect your event anywhere in the United States, it’s territories or Canada. The general liability policy will pay the damages imposed upon you or your business by the law. It also pays the cost of defending you when a claim is made against your policy. Coverage is written on a full occurrence basis by an Admitted, A rated US insurance company and is tailored to fit your specific event needs. The policy will also add the venue, sponsors, volunteers and co-producers as additional insureds.
Certificate of Insurance VS Additional Insured Endorsement:
When producing a special event you will often be asked to provide a certificate of insurance to verify the existence of insurance coverage under specific conditions. More specifically, the document lists the effective date of the policy, the type of insurance coverage purchased, and the types and dollar amount of applicable liability.
Frequently, another party such as the venue or a sponsor will ask to be named as an additional insured on your policy.The additional insured then enjoys the benefits of being insured under your policy your for negligent acts and omissions but not for his own negligence.
What is Weather/Event Cancellation?
This insurance covers the organizers of an event from financial losses if the event it is cancelled or postponed due to weather, no-show of a performer, natural disasters, war or even terrorism. It also covers non-refundable deposits, ticket sales, advertising revenues and sponsorship dollars.
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What is the difference between Host Liquor and Liquor Liability Coverage?
Host Liquor Liability Insurance provides protection for the event holder against bodily injury or property damage suits brought by parties whose injuries arise from actions of an intoxicated event guest. Host Liquor Liability coverage applies only if there is no transfer of money for alcohol or service/product packages that include alcohol. If there is any money changing hands and alcohol is served, Host Liquor Liability coverage does not apply, only Liquor Liability coverage will provide the proper protection. Host liquor liability insurance is included at no additional charge with an AFIG Event Liability Insurance Policy.
Liquor Liability or Dram Shop Coverage provides coverage and defense for an event holder who charges for alcohol and is sued for bodily injury or property damage caused by intoxicated event guests. If there is any money changing hands and alcohol is served, Liquor Liability coverage provides the proper protection. It also provides coverage if the event holder violates any statute, ordinance or regulation relating to the sale, gift, distribution or use of alcoholic beverages. Liquor Liability Insurance is an optional coverage available when purchasing an AFIG Event Liability Insurance.
What is Third Party Property Damage Liability? (Care,Custody, Control Liability)
Most liability policies have provisions that exclude coverage for physical damage or loss to property while it is in the care, custody or control of the insured. Care, Custody, Control Liability (also known as Third Party Property Damage) is an optional coverage that will pay for direct physical damage the the rented premises.
What is a Waiver of Subrogation?
Very often, a contract or lease agreement will require one or both parties to waive their rights of subrogation. Subrogation means one party has the right to “step into the shoes” of another party for the purposes of bringing a claim for damages. Suppose you experience a financial loss due to the negligence of a third party. Normally you could sue the responsible party for full restitution but if your insurance company pays the claim your insurer is then subrogated to your claim against the negligent party. In essence, your insurance company has been given your rights of recovery after paying your claim. Before you sign a contract containing a waiver of subrogation, check with your insurance agent to be sure you are not violating any of the terms of your insurance policy. If your policy will not permit a waiver, you may be in danger of losing your insurance coverage, leaving you without policy proceeds or a cause of action against the other party. If the insurance company does permit a waiver of subrogation, it may be necessary to obtain an endorsement to the policy and, in some cases, pay an additional premium.