IAHA insurance

["eddie spurgeon" <espurgeon@hotmail.com>]

>>Nancy Mitts wrote:

>The IAHA insurance that comes with your membership is for
>personal
>liability, but they have insurance for events that covers
>spectators (I
>think) that is very reasonable. ( I think it's $25 per event
>unless a
>seperate letter is required, then it's higher.)
>Nancy Mitts

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The IAHA event insurance cost ( last year) $45 per event day and covers the 
event for one move in day and one "tear down" day at no additional charge. 
For an additional $23 fee, all event volunteers are also covered, including 
travel to and from the event. Spectators are not covered, event management 
is covered from lawsuits filed by spectators though. Here's the kicker, the 
event must be sanctioned by IAHA and results must also be reported to IAHA 
in a specified time period or you pay a penalty.

The $1,000,000 personal excess liability insurance that comes with IAHA 
membership is different, this covers the member in the event of a lawsuit 
resulting from a horse related accident, which is one great deal when you 
remember that our dues only went up $5 per year to pay for the insurance. 
(you don't have to own an Arabian either, just be a member of IAHA)

Eddie Spurgeon
Chairman IAHA Region 9 Endurance Committee


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