Frequently Asked Questions?

• When does my personal excess insurance with Equisure start and end? The coverage starts when your membership is approved and the premium is paid to Equisure. Coverage ends December 31^st of every year.

• What if my membership starts in June? The premium and coverage are the same should you join in January or June. You would have coverage for 7 months if you joined in June and coverage for 12 months if you joined in January. In both cases the coverage will end December 31^st.

• What is the policy number? The policy number is 664-62096A07.

• How can I get a copy of the policy? Association Resource Group has a copy of the policy, your member club, council or association has a copy of the policy, or you can get a copy from Equisure. The master policy can not be posted on any websites or reproduced without prior written consent from the management of Equisure. Clubs, councils or associations can give a copy of the policy to their current members only.

• Do I get anything showing I have insurance coverage? Yes. Association Resource Group will have evidences of Insurance (a brief summary of coverage’s, conditions and exclusions) which will be distributed to members only. Again, this evidence is not to be posted on websites or reproduced in any fashion without written consent from Equisure.

• How would this insurance apply if I have homeowners insurance? 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.

• I am a trainer and run a horse breeding operation, does this insurance cover me? No. Coverage for businesses and business related activities are excluded.

• If my horse is boarded away from my residence, do I have coverage? Yes. You are covered for equine related incidences away from your residence.

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

• Is my horse covered if it dies? No. This policy does not provide animal mortality coverage for horses you own. This overage can be purchased under a separate policy by calling Equisure.

• Can I increase the limits provided by this policy? No.

• My spouse doesn’t have anything to do with my horses, is my spouse covered? It depends on the membership you have purchased. The individual membership includes the member and permanent residents of the household under the age of 18. The family membership includes the member and spouse plus permanent members of the household under the age of 18.

• I fell off my horse and broke my arm, what kind of coverage do I have for this? None. This is not a medical insurance policy. You would have to have your own health/medical insurance.

• What limits are provided by this policy? The limit provided under this policy is a per household limit and is shared by all member of the same residence.

• Can I add an additional insured to this policy? This product does not allow additions of additional insureds. If your barn has questions about the insurance provided. Fax or phone Equisure.

• What should I do if I think I have a claim? 1. Write down all the details about the incident while they are fresh in your mind.   2. Get the names and phone numbers for any witness.    3. Do not admit fault or make any monetary payment. 4. Contact Equisure at 800-752-2472.