[MSAR] Insurance

Julie Hensley julie at petwearusa.com
Mon Mar 8 09:06:21 EST 2004


Has anyone ever checked with other nonprofit equine establishments to find
out how they go about managing insurance?  For different reasons, I would
expect that equine therapeutic programs or even 4-H would have similar
concerns.

Julie
----- Original Message -----
From: "tm'-fi" <TFinkle at erols.com>
To: "Mounted search and rescue" <msar-riders at lists.ibiblio.org>
Sent: Monday, March 08, 2004 9:00 AM
Subject: Re: [MSAR] Insurance


> Insurance issues seem to be a big problem every where and our team has
> not found the golden egg (yet) to help us with this problem.  We
> encourage our team members to obtain a personal insurance policy that
> will provide them with adequate coverage and protection.  Currently we
> are reviewing different insurance plans that would provide team members
> with liability and injury protection during (including to and from)
> training, public service events and call-outs.  So far we are looking at
> a cost of around 4K a year.  A policy to provide coverage for each
> individual's mount would be much higher.
>
> We are a 501 c-3 non-profit, all volunteer, public service response
> organization and do not have an operating income.  Our biggest fear is
> not the injury or loss of a team members mount, but rather a liability
> law suit resulting from the actions of a team member (or their mount).
>  One thing that I suggest for anyone seeking team insurance, is to
> remind the insurance agent of Public Law 105-19 (the Volunteer
> Protection Act), which was signed into law by the first session of the
> 150th Congress on June 18, 1997.  Then have them review your team's
> written procedures and documents.  See the below link for more
> information regarding this act.
>
> <http://www.mtn.org/handiham/vpa1997.html>
>
> After reviewing the Act, you will have a better understanding why it is
> so critical for MSAR teams to adhere to risk management procedures.
>  Without documented team standards, training requirements, professional
> SAR certifications and mandatory in-service training, someone could
> easily lose their mount resulting from a Court Ordered Judgment, rather
> than due to a mishap in the field.
>
> Maybe that old saying about death and taxes should include a clause
> about insurance.
>
> Tomi' (TROT-2)
> TROT Search & Rescue Mounted Team
> State of Maryland
>
>
> pennbo at bbv.net wrote:
>
> >Our equines are not covered for anything except basic injuries while on
duty.
> >Anyone have any suggestions that have worked for them we'd like to hear
them!
> >
> >Chris Pennington
> >Big Bear Sheriff's Posse
> >MSAR
> >
> >_______________________________________________
> >MSAR-riders mailing list
> >MSAR-riders at lists.ibiblio.org
> >http://lists.ibiblio.org/mailman/listinfo/msar-riders
> >
> >
> >
>
>
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>





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