CapriCMW is the official insurance provider of the SHF.
Membership in your Equine Association automatically includes insurance coverage for most equine related liability exposures. Coverage is in excess of any other insurance you carry or is primary if you have no other insurance that could apply. The insurance is in effect each year from January 1 - December 31.
Adult Membership - 58.36 (18 to 90 years of age)
Junior Membership - 43.36 (7 years of age or under as of Jan. 1, 2021)
Family Membership - 136.08 (2 adults and all juniors living at the same address)
All pricing includes taxes and fees
This coverage protects you against lawsuits for Bodily Injury or Property Damage arising out of the ownership or use of a horse and / or arising out of your participation in personal equine related activities.
This policy includes coverage for legal liability arising from the non-commercial transport / incidental care, custody and control of non-owned horses. The liability limit for care, custody and control is $10,000 per horse / $50,000 per accident.
Special Notes on Coverage Restrictions
Coverage for each member arising from equine-related activities – under the age of 90. Coverage excludes fracture, dental losses, or loss of income. This policy does not provide partial disability benefits or loss of wages.
AUTOMATICALLY INCLUDES MEMBERS NAMED PERILS COVERAGE
COMBINED PRICE OF $72.30 (includes PST)
This policy covers Equine Emergency Life Saving Surgery necessitated by accident or sickness,
including colic surgery and fracture surgery, to a maximum limit of $2,500.00 for expenses incurred (250.00 deductible). No death benefit is payable under this policy. Restricted to one claim per year.
Provides $50,000 Principal Sum AD&D and includes a Fracture benefit of $7,500/$2,500 principal sum (helmet/no helmet) and a Dental benefit of $5,000 principal sum. This option excludes claims for Loss of Income. This policy will provide increased limits to the coverage provided automatically in your annual membership. Restricted to under 75 years of age.
Income Replacement in the event you are unable to work due to an accident. Coverage is in force 24 hours a day/7 days a week and includes (but is not limited to) injuries arising from an equine related incident. The policy will provide up to $500/week in income replacement for up to 26 weeks (restrictions apply).
Insures tack and equipment from loss or damage anywhere in North America. Limit $10,000.00 ($500 deductible). Does not cover clothing or protective equipment worn by riders, wear & tear/abuse, mysterious disappearance or horse drawn vehicles.
Due to federal, provincial/territorial and local government recommendations on the movement of individuals, as well as the current states of emergency declared by provinces/territories, EC and the PTSOs recommend that all facilities that host equestrian-related activities, including but not limited to boarding stables and lesson barns, cease public-facing and non-essential activities until greenlit by the aforementioned government authorities.