Your USEF Insurance Benefits

Membership Benefit Trivia:
Did you know that the United States Equestrian Federation was the pioneer in developing an insurance program for the specific use of its association members?

In 1989, a visionary named Preston Smith had a unique idea for the American Horse Show Association, (now USEF). The idea was to be able to provide low cost group insurance programs for their association members. As a result, the AHSA Service Company was established.

The service company, owned by the association, worked hand in hand to increase memberships by offering an innovative, low cost, group insurance benefit to their members.

In 1994 the association and the service company decided to become two separate entities. The service company was sold and on June 1st, 1995, Equisure, Inc. debuted.

Equisure, Inc. still believes in Preston Smiths vision of offering affordable group insurance coverage to the USEF members. We still believe that insurance can and should be a benefit for members and we remain an active voice in promoting memberships.

Equisure understands that your horse not only requires a huge financial commitment but a large emotional investment as well.

The insurance professionals at Equisure, Inc. are, first and foremost, horse owners, competitors and equestrian participants. We have firsthand knowledge of this financial and emotional investment and are dedicated to making sure that you are able to care for your horses the way we would want to care for our own.

In the world we live today, it has become more important than ever to investigate your options and understand the challenges the equine world faces now. Insurance can be a confusing and sometimes forgotten matter in the equine industry. Doing your homework and investigating these matters now will save you time and frustration later.

For this reason, Equisure offers some wonderful insurance benefits that may be offered to qualified USEF members. As a Junior, Senior or Life Member of USEF you may be entitled to the following insurance benefits.

Excess Personal Liability: Members receive personal excess liability coverage with a $1,000,000 policy limit. Coverage is for claims brought against members of USEF arising from the use and/or ownership of a horse and for horse-related accidents involving bodily injury or property damage. Coverage will apply when engaged in any horse-related activity and coverage is in excess of any existing valid and collectable insurance. There is no deductible. Professional Liability is not included and business exposures are excluded.

Personal Accident Insurance:
Our personal accident policy insures the member for death or permanent disability resulting from an accident anywhere in the world at the following benefit levels:

  • Up to $35,000 at a USEF-sanctioned event,

  • Up to $20,000 while insured is engaged in any horse-related activity worldwide, and

  • Accidental Death Benefit limited to $3,750 for insured persons under the age of 18.

Equisure FAQs

Q: How would this insurance apply if I have homeowners or farm owners insurance?
A: This policy is excess over any other valid and collectible insurance. If you have primary insurance coverage this policy would be excess over that insurance. If you have no insurance, this policy would become primary.

Q: I am a trainer and run a horse breeding operation; does this insurance cover me?
A: No, coverage for businesses and business-related activities are excluded.

Q: If my horse is boarded away from my residence, do I have coverage?
A: Yes, you are covered for equine-related incidences away from your residence.

Q: If I lend my horse to someone to ride, am I covered?
A: Yes, you are covered for bodily injury and/or property damage for an equine-related incident for which you are held legally liable.

Q: Is my horse covered if it dies?
A: No, this policy does not provide animal mortality coverage for horses you own. This coverage can be purchased under a separate policy.

Q: Can I add additional insured to this policy?
A: This product does not allow additions of other insurances. If your barn manager has questions about the insurance provided by this coverage, have him write, fax or phone Equisure.

Q: What should I do if I think I have a claim?
A: Write down all the details about the incident while they are fresh in your mind. Get the names and phone numbers for any witnesses. Do not admit fault or make any monetary payment. Contact Equisure immediately.

For more information regarding your member insurance benefits, please contact: Equisure, Inc., 3000 South Jamaica Ct. #210, Aurora, CO 80014; Phone: (800) 752-2472 or (303) 614-6961; Fax: (303) 614-6967; www.equisure-inc.com.