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.

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. This coverage summary is intended to provide a summary of coverages and limits provided by this program. For full details of coverage please contact the HBPA for a copy of the Master Policy.

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