As soon as i bought my first horse—a 4-year-old trakehner/thoroughbred—one of my biggest priorities was to have him insured. i hadn’t paid thousands of dollars for him, but as a recent college graduate, i knew i needed to have him covered for any catastrophic situations. thankfully, i never needed to use the policy, but the monthly payments i made gave me the peace of mind i needed.
my policy was pretty straightforward, but i still had lots of questions for my agent. in this month’s issue, we bring you a comprehensive article about equine insurance policies and what you need to know to make sure you and your horse are covered. Elizabeth clarke, attorney, dressage rider and author of this story, approached us about writing this piece and she’s done a wonderful job breaking it all down into laymen’s terms. She includes information on what farm owners should know, things like exclusions for damage caused by terrorism. that’s new since Sept. 11, 2001, and clarke explains that more recently the definition of terrorism has changed to include acts that interfere with or disrupt an electronic, communication, information or mechanical system if the aggregate damage caused by the act exceeds D2U million. She says, “if you think this exclusion won’t impact you, imagine a hack that shuts down or damages the information contained in the computer system of any major bank. damage could easily reach the D2U million threshold. if your policy contains this exclusion, and it probably does, you won’t get help from your insurer with restoring your information or retrieving lost funds.” She goes on to tell you what to look for in the policy so you are, in fact, protected. whether you own a horse, a farm or both, this is an important article to read. don’t miss “understanding your Equine insurance policy” on p. 42.
protecting your horse with an insurance policy is just one way to ensure peace of mind. another comes from making sure that your horse is healthy. in “Expert tips for healthy horsekeeping,” we hear from several dressage riders who are also veterinarians or married to a vet, giving them a well-informed perspective on what it takes to maintain a healthy, peak-performing equine partner. in this article they discuss fitness, nutrition and digestion, joint and respiratory health and tips to maintain a healthy stable environment. you can read their insights starting on p. S4.
there’s much more this month, including training articles from Jan Ebeling (p. 24), dutch riders Edward Gal and hans peter minderhoud (p. 28) and a preview of what you can expect to see in dressage at the world Equestrian Games later this month (Sept. 12–16) at the tryon international Equestrian center in north carolina (p. U0).
until next time,