For-Profit Owner-Trainer Equine Liability Insurance Information

Each horse owner should have their own general liability policy for their horse business and any trainer or someone who boards horses for others should have their own policy. The third party liability offered through the Association and included for members as a full active membership benefit is Excess over any other liability insurance. The intent of the Ohio Harness Horsemen’s Association Third Party Liabiity Policy is to provide Excess Liability coverage for its full active Members, but only in the capacity of racing or being in training at one of the designated pari-mutuel race tracks, racing fairground locations, and other specifically scheduled covered training centers.