Re: IAHA insurance exclusion

[Sue Brown <sbrown@wamedes.com>]

>Can you convince them with the fact that AERC stands for American Endurance
Ride Conference. (NOT Amer. Endurance RACE Conference?) Personally, I'd call
IAHA for clarification. 

Linda Sbeseda@aol.com wrote: > > I just got my Evidence of Insurance for my
year 2000 IAHA membership. > Is there anyone that can give some ideas on the
meaning of part (c) for > Endurance riders? I interpret it to mean that I am
not covered by this policy > during an Endurance race. > > Does the phrase
"preparation for a prearranged race" exclude training ride > also? > > TIA >
Scott

I think the operative phrase (missing in this snip) is "acts of negligence" --
if they can prove you were NEGLIGENT as a trainer (for hire for general horse
training or training for races, either riding or driving) or someone
conditioning a horse for speed races... at the track or cross-country. 
Basically it says that they won't pay you for something caused by your
negligence...pretty standard, IMO.  And negligence is pretty well defined
according to the equine lawyers.  It's the same thing if I, as an instructor,
were negligent and it resulted in an accident to a student...I'd be in deep
doo-doo.  Negligence, fortunately, is not something that they can accuse
you of
willy-nilly...it has to be pretty obvious and they have to prove it.

Sue 

sbrown@wamedes.com
Tyee Farm
Marysville, Wa.


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