2008 Membership Now!
Welcome to the Georgia Horse Council for 2008!
It is time to renew or join the Georgia Horse Council membership for 2008. If you are not a current member of the Georgia Horse Council, please support us by becoming a member. With an individual or Family membership you w ill receive a $1,000,000 Excess Liability Insurance Coverage. Membership runs from January 1 through December 31. Below are some frequently asked questions concerning our liability insurance:
- 1. If I am a member and have more than one horse, are they all covered under my current membership?
Yes, the policy covers the member and there is not a horse limit. It does not cover business use for any horse.
- 2. If I have the insurance and I provide boarding for other horses and my horse causes
damage to another horse or rider, can I use this insurance?
This may need to be defined further. If you are boarding horses for a fee, this is a business. If it occurs while running a business, no you would not have coverage. If you take your horse for a ride with a friend and your horse kicks the other horse during that ride, you would have coverage (because it is not business related, it was a pleasure ride).
- 3. What if I let someone else ride my horse and they get thrown or hurt, will the insurance protect me against a law suit?
Yes, the company will provide defense for equestrian related claims where you are negligent or legally liable.
- 4. If I have home owners, will this insurance be secondary?
Yes, but it will become primary with no deductible if you have no insurance or no coverage under your policy for horses.
- 5. Do I have to be sued in order for this insurance to pay?
No, not necessarily but someone cannot just demand payment and you get coverage. Most accidents will come with a lawsuit if they are large. Smaller accidents will be looked at by the claims department individually. It is not meant to be health insurance for people that just fall from a horse and want you to pay for their injuries.
- 6. If I have a “significant other” living with me, can we purchase the family
membership?
No, you would have to purchase the individual memberships. You can only purchase a family membership if you are married.
Presently, GHC has three events scheduled for 2008: 1) the NBHA Super Show, January 11-13 in Perry; a Sanctioned Mounted Drill Team Competition and Versatility Competition the weekend of February 29 in Unadilla; and a Sanctioned Mounted Drill Team Competition and Versatility Competition the weekend of October 17 in Chatsworth.