To: Mounted search and rescue <msar-riders@lists.ibiblio.org>
Subject: Re: [MSAR] Insurance
Date: Tue, 9 Mar 2004 08:18:33 -0700
Sue Vieth wrote:
>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?
Yes, but the devil is in the details. The authority's insurance
covers you for exactly what, and how much?
>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/
>From the website:
>$1,000,000 Equine Excess Personal Liability Insurance providing
>coverage for individual members, and their minor children, while
>participating in horse shows, clinics, demonstrations, trail
>rides or while otherwise enjoying your horse(s). This benefit,
>valued at $300 - $400 per year if purchased individually -- is
>an automatic benefit of individual membership! Coverage is
>provided through Equisure, Inc., one of the nation's leading equine
>insurance specialists, and underwritten by Lloyd's, London.
>Please see policy for complete terms.
Read the policy to find out if it would apply during SAR missions.
Una Smith
Santa Fe County Sheriff's Posse, in New Mexico