msar-riders@lists.ibiblio.org
Subject: Mounted search and rescue
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- From: "IRVIN LICHTENSTEIN" <ilichten1@verizon.net>
- To: "'Mounted search and rescue'" <msar-riders@lists.ibiblio.org>
- Cc: RVASSER@aol.com
- Subject: Re: [MSAR] Horse injuries during a MSAR mission
- Date: Sun, 11 May 2008 22:43:44 -0500
First, get a good insurance agent to
educate you about insurance in your state. You have asked about three kinds of
coverage and they are both individual (rider/owner) and organizational
requirements. Other features may be required to be in your organization’s
Bylaws, such as indemnification of members for official acts. Injuries to a horse would be covered by a
medical/ surgical policy obtained as part of a full mortality package on the
specific horse. Causing injuries to another is public liability
coverage and should be carried by riders, owners, and the organization. Property damage is a specific form of
public liability. Unless you are a government employee
covered by sovereign immunity, and almost nobody is immune today, you should be
carrying public liability for your and your horse’s actions (two
policies), and your organization should be covered for its actions, including
decisions made by officers, directors, and command staff. Even a Good Samaritan
defense costs money and the insurance company pays to defend you and or the
organization. WAIVERS ARE NOT WORTH THE PAPER THEY ARE
PRINTED ON. First, any minor can revoke the waiver signed on his behalf
on his coming of age. Second, any other injured party can sue you for what the
waiver adult released you from plus such winners as loss of consortium, income,
lost time, mental anguish, etc. And even if you win, you are out the defense
costs. You should also be aware that Equine Activity Liability Acts only
apply to riders and staff at organized events and lessons, not some bystander
you ran over on the road. There is no way you will be able to
obtain waivers, let alone enforce them, from the public. You, and your
SAR organization must accept responsibility for your actions and be ready and
able to pay the consequences. If your jurisdiction requires workman’s
comp and you have no reasonable belief you are covered by somebody’s
policy you could be fined as well as paying all the injured member’s costs.
In I would strongly suggest you review your
state and local jurisdiction’s requirements and possibly view, “Organizing
the Organization”, presented at the 2006 NASAR conference in Irv Lichtenstein Chief of Operations From:
msar-riders-bounces@lists.ibiblio.org
[mailto:msar-riders-bounces@lists.ibiblio.org] On Behalf Of RVASSER@aol.com Hello MSAR, I would like to know if there is any
possibilities of coverage for your horse if it is injured or
causes injuries to another person or causes property damage during a
MSAR mission. If not what kind of waivers if any will a MSRA rider have to
sign. Thank you, Ron Vasser |
-
[MSAR] Horse injuries during a MSAR mission,
RVASSER, 05/11/2008
- Re: [MSAR] Horse injuries during a MSAR mission, IRVIN LICHTENSTEIN, 05/11/2008
- Re: [MSAR] Horse injuries during a MSAR mission, Una Smith, 05/11/2008
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