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Frequently Asked Questions: National Insurance Plans
For more information, please direct all inquiries to Lavin Insurance Services at http://lavininsurance.com
Phone: (502) 228-1600
Fax: (502) 228-6068
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| 1. What is the Owners' and Trainers' Liability Program? |
| A program to protect your assets in case of an injury or damage to property arising
from your equine activities (breeding, racing, sales, training). This special program has been
devised exclusively with HBPA members' equine exposures in mind. |
| 2. What does it cover? |
- Covers claims for injuries to participants (non-employee jockeys and exercise riders)
- Covers contractual liability (i.e., hold harmless in Race Track Stall Agreements)
- Premises and Operations liability coverage for all equine operations including breeding, boarding,
training and racing (away from owned premises). This coverage is not a substitute for a
farmowners policy, and such a policy and limits would always be primary with regard to owned
premises.
- Limits provided (Apply separately to each Certificate Holder):
$1,000,000 Each Occurrence Combined Limit for Bodily Injury and Property Damage
$2,000,000 General Aggregate
Higher Limits available on individual basis.
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| 3. What do I have to do? |
Click here to go to the application. Print out the application from your browser,
complete it with schedule of horses and send with payment.
If you are not currently a member of HBPA, please include your check for $100.00 payable to NHBPA for the associate membership fee |
| 4. How Much Does It Cost? |
$95 per horse Nov. 1st – April 30th
($190 Minimum 2 horses)
$50 per horse May 1st – Nov. 1st
($100 Minimum 2 horses)
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| This coverage summary is intended to provide a summary of coverages and limits
provided by this program. For full details of coverage please Contact Lavin Insurance at (800) 446-3112. |
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