In­side DT

Dressage Today - - Content -

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,

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