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  • From: "Vieths" <hamlweld@madisontelco.com>
  • To: "MSARlist" <msar-riders@lists.ibiblio.org>
  • Subject: Re: [MSAR] Insurance
  • Date: Mon, 8 Mar 2004 18:45:20 -0600

Our team does not carry insurance for us, but advises that the authority
that called us out automatically covers us. I.e. the fire department or
police requesting our assistance. Does that sound right?

Regarding insurance, at the Illinois Horse Fair this past weekend, I learned
that the "Horseman's Council of Illinois" offers $1,000,000 insurance policy
as a member benefit. Individual membership is $39/year. You do not have to
be an Illinois resident. I wonder if it would apply while on a SAR
activity?
Here is web site, then go to member benefits:
http://www.horsemenscouncil.org/

Great discussions on this list. Thanks to all!
Sue

----- Original Message -----
From: "Una Smith" <una@lanl.gov>
To: "Mounted search and rescue" <msar-riders@lists.ibiblio.org>
Sent: Monday, March 08, 2004 9:58 AM
Subject: Re: [MSAR] Insurance


> Julie Hensley wrote:
> >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.
>
> My unit did that last year, contacting many insurance agencies.
> The results were pathetic.
>
> Like many old sheriff's posse groups, we own property, including
> a building; the building is insured against loss, and the group
> has liability insurance equal to the value of the entire property.
> But, and this is a HUGE but, that liability insurance is limited
> to the kinds of events that are typical of most equestrian clubs:
> it covers us against liability, should we be sued by participants
> and onlookers injured during equestrian and social events on our
> property. None of our SAR activities are covered, apart from
> training in our arena. Some agencies would not insure us for any
> activities, given the nature of *some* of those activities. Is
> SAR a "police type activity"? Some agencies think so.
>
> When on SAR missions, the state covers us for liability, medical,
> and property loss. In theory; I know nothing about how this
> works out in practice. Safety is our first priority and we have
> a good record there.
>
> As a member of the US Polo Association, I get a nice $1,000,000
> personal liability policy that covers my horse. It protects my
> assets if my horse injures anyone or damages anything and I get
> sued as a result. Having this insurance greatly eases my mind
> when I allow non-riders to be carried by my horse on SAR missions
> (eg, medical examiner to a death scene). She is an exceptionally
> reliable horse, but anyone can fall off any horse and try to sue
> you for it.
>
> SAR-related expenses and property losses are deductible from US
> federal personal income taxes (generally, see a knowledgeable tax
> accountant for details), but here the trick is in documenting
> the replacement cost of a specific horse. Like a really old but
> totally reliable car that may have a book value of $1000 but you
> could not hope to replace for less than $5000, a good MSAR horse
> has a replacement cost far beyond its book value. What is the
> book value of a sound, fit horse in its late 20's? Most riders
> would say they might buy such a horse for $1000, but we all know
> outstanding older horses that the owner would never sell at that
> price.
>
> Una Smith
> Santa Fe County Sheriff's Posse, in New Mexico
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>





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