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.


The information below is a summary of coverage only. 

For more details visit or contact CapriCMW directly at 1-800-670-1877


Coverage Included with your SHF Membership:

$5,000,000 Liability Insurance ($1,000 Property Damage Deductible)

This insurance protects you against lawsuits that can be brought against you for Bodily Injury or Property Damage claims arising out of the personal ownership or personal use of a horse and/or arising out of your participation in most equine related activities. This policy also includes coverage for legal liability arising from the non-commercial and incidental care, custody and control of non-owned horses (transport, emergency boarding etc.) limit of $10,000 per horse / $50,000 per accident.

Special Notes on Coverage Restrictions
  • Coverage excludes any lawsuit brought against you by your own spouse, or by any relative or dependent(s) residing in your household.
  • Coverage excludes the “commercial use” of horses (such as renting them out to others) as well as participation in Rough Stock Rodeo events, parimutuel racing, or unsanctioned racing activity, providing coaching, lessons, instruction to others for any form of compensation, and participation in horse pulling competitions.
  • Use of a horse for equestrian shows or competitions shall not be deemed commercial use; and barrel racing, team roping and team penning shall not be deemed rodeo or racing events.
  • If you are a member but your principal residence is outside Canada, then your coverage is restricted to equine activities that take place in Canada. Coverage for Canadian residents is world wide but lawsuits must be brought against you in Canada.
  • Coverage is primary if you have no other insurance that will respond to a claim made against you, but will be considered excess of any other insurance you carry that can or should respond to the incident.
  • Coverage is subject to a deductible of $1,000 for Property Damage claims. There is no deductible for Bodily Injury claims.

$30,000 Accidental Death Dismemberment

This insurance provides a lump sum payment if you suffer from a listed (scheduled) catastrophic and permanent injury or death that arises from participation in equine related activities. The amount payable depends on the injury sustained. The coverage is in force 24 hours a day, 7 days a week and covers you anywhere in the world while participating in or travelling to/from an equine activity. This coverage only applies to members under the age of 90 years. Please note: not all injuries are covered under this insurance policy. Coverage excludes fracture, dental losses, or loss of income. This policy does not provide partial disability benefits or loss of wages.

Transportation Insurance for Non-Owned Horses

Protects against lawsuits for death of someone's horse while you are transporting that horse subject to a limit of $10,000. per horse / $50,000. per accident and excluding commercial transportation of horses.


Additional Insurance Options Available for Purchase:

Members Named Perils - $15.90 per person

Insurance covering death of an owned horse resulting from fire or lightning, transportation, earthquake or flood, or attack by dogs or wild animals. 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.

Additional Accidental Death & Dismemberment - $30.00 per person

Provides $50,000 principal sum ADD including a $7,500 fracture benefit (with helmet) or $2,500 fracture benefit (if no helmet); plus $5,000 dental benefit. Restricted to under 75 years of age. 

Members Tack Insurance - $37.10 per person

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.

Travel Medical (out of Province/Country) - $121.90 per person

Provides $1,000,000 coverage for out of province and country coverage for Medical treatments and/or Hospitalization. Trips up to 90 days in duration, any number of trips per year, worldwide coverage. Restricted to members under the age of 65. This coverage must be purchased prior to leaving your Province of residence.

Weekly Accident Indemnity - $159.00 per person

Coverage is up to a maximum of $500 per week to a maximum of 26 weeks. A fully completed application is required.


Other Coverage Options are also Available to Members at Reduced Cost:

  • Farm-Care for your rural property and home
  • Equi-Care providing life/medical/surgical insurance for your horses
  • Insurance for Coaches, Officials, Grooms, and more
See for more information, or contact CapriCMW at 1-800-670-1877


CapriCMW Insurance Services Ltd.
Phone Toll Free 1-800-670-1877
Fax (250) 860-1213
[email protected]