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.
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.
Insurance covering death of an owned horse resulting from fire, lightning or collision/overturn of a conveyance in which a horse was being transported, attack by a dog or wild animal and more (no sickness). Refer to the policy wording for a full listing. This insures up to a maximum of $10,000 that may be applied regardless of the number of horses owned. Losses are restricted to one claim per year. Members Named Perils Fact Sheet
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. Please Note: The purchase of this insurance option automatically includes Members Named Perils coverage. Equine Emergency Life Saving Surgery Fact Sheet
In addition to your ‘included’ $30,000 Principal Sum you may now purchase an additional $50,000 coverage that includes limited benefits for Fracture and Dental arising from equine related activities – under the age of 75. Enhanced AD&D Fact Sheet
This insurance provides 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. Please note: The purchase of this optional insurance automatically includes Enhanced Accidental Death & Dismemberment coverage. Weekly Accident Indemnity Fact Sheet
Insures tack and equipment from loss or damage anywhere in the Continental US/Canada. $10,000 any one occurrence or $5,000 any one membership per policy period ($500 deductible). Higher limits are also available.