OVERVIEW

A Benefit of NACMO membership is the continuation of liability insurance coverage for the individual and life members of NACMO. Coverage is not available for junior or day members.

Click here for a copy of the current insurance declaration. It is a large file and will take time to download.

Highlights of the insurance program are:

• $1,000,000 per occurrence limit of personal equine liability insurance,
• The insurance is in excess of any valid and collectible insurance,
• The insurance is not designed to cover any business or professional activities of the NACMO member,
• Coverage is applicable to all owned or leased horses,
• "Case, custody, or control" on non-owned horses is excluded,
• Coverage is included for the liability that may arise while your horse is grazing or stabled.

PLEASE NOTE - This insurance provides coverage "in excess" of that which is available under your standard homeowners or farm insurance policies, and where a legal liability ahs been established (ie., you've been sued).

In addition, NACMO pays for an insurance policy we are required have in order to hold rides in the National and State forests. Day members pay a fee to help offset this cost as well. This insurance covers NACMO and the ride manager as an organization, and is not related to the personal liability coverage.

In other words, if your horse backs into a truck and dents a fender, contact your private insurance agent about your liability. If you get sued, follow the instructions at the end of this article.

If you need more information, have your insurance agent or attorney read this information.

Benefit of NACMO Membership:

$1,000,000 Excess Equine Personal Liability Insurance for NACMO membership

NACMO has become an affiliated association of Saddle Partners of America. Saddle Partners of America was formed in 1999 by a group of equine enthusiasts who saw a need among horse owners for education about the legal issues that surround our mutual interest in horses. One of the greatest needs they have addressed in their organization is to provide liability insurance specifically for equine enthusiasts to cover activities that may be limited or excluded from their home or farm insurance policy. To meet the need, Saddle Partners joined with Equisure, Inc. to provide its members with access to insurance coverage specifically designed by equestrians, for equestrians. Each month, NACMO sends a report to Saddle Partners listing the name and address of members who have joined or renewed their membership in that month. From our membership dues, the club will pay the insurance premium for each membership to Saddle Partners.

Coverage Highlights:

1.- Legal Liability of Member in respect of all sums which a member may be legally liable to pay as compensation and arising out of the use and/or ownership of a horse or horse-drawn vehicle where accidents are caused by the personal negligence of a Member resulting in (a) accidental bodily injury to any person not being a member of the Member's family or household or in his full time or casual employment, or (b) accidental damage to property, including animals, not belonging to or in the custody or control of the Member or a member of his family or household.

2.- The insurance provides cover while a Member is riding a horse on the public highway or elsewhere and while he is leading a horse in similar circumstances. The driving of a horse-drawn vehicle is also included.

3.- Liability for damage by a horse while grazing or stabled or in any circumstances where the horse is not in the control of the Member.

4.- If Member gives permission for any person to use his horse or horse-drawn vehicle, the personal negligence of that person is included provided he is a member of Saddle Partners of America.

5.- Legal costs in connection with any claim, provided such claim is the subject of indemnity under the policy.

EXCLUSIONS:

1.- The insurance provided by the policy does not cover a Member for acts of negligence in connections with (a) his business or profession, or (b) the use of a horse-drawn vehicle for hire or (c) while in practice or preparation for a prearranged speed content.

2.- Pollution, asbestos, nuclear energy liabilities per policy endorsements.

3.- Any dishonest, fraudulent, criminal or malicious act or omission of the insured.

4.- Professional rodeo riders or jockeys within the scope of "business of profession;" pursuits or activities.

NOTES:

(I) Whenever the term "Horse" appears in the foregoing it is understood to include Horse, Pony, Mare, Gelding, Foal, Colt, Filly, Stallion and any Mule.

(II) The foregoing brief details are intended for guidance as to the general scope of insurance coverage provided and recourse should be made to the policy issued to the Association for the precise terms of the Contract but it is emphasized that the insurance is in respect of LEGAL LIABILITY ONLY.

(III) Coverage applies worldwide, providing suit is brought in the United States of America.

(IV) If a Member is involved in any occurence likely to give rise to a claim under this insurance NO ADMISSION OF LIABILITY SHOULD BE MADE EITHER VERBALLY OR IN WRITING.

CLAIMS:

If a member feels there is any likelihood of a claim being made against him, full details of the incident should be sent in a letter, which includes the Member's membership number, directly to:

Equisure, Inc. 3000 S. Jamaica Court, Ste. 210
Aurora, CO 80014
Phone: 303-614-6961 or 800-752-2472
FAX: 303-614-6967

THIS INSURANCE IS IN EXCESS OF ANY OTHER VALID AND COLLECTIBLE INSURANCE