Insurance Benefits

O.H.H.H.I.T. Aetna© Medical Insurance Program

Medical Benefits through the Aetna© Healthcare Plan available to Ohio's Trainers, Drivers, Grooms, and Farm Workers.  Complete details and eligibility dependent upon qualification guidelines.


Current Self-Pay Cost Monthly $372.00 per-month for Single Coverage or $862.00 per month for Family Coverage

Sulky Insurance Coverage

Full-Active Members are Eligible for Sulky Insurance.  Coverage extends to sulkies covered due to an accident in a race.  Sulkies are covered based upon a pro-rata formula, sulky wheels are excluded from coverage.  Sulky Owner must Register the sulky for coverage to apply.  Once the completed Sulky Registration Form is received coverage will apply.

Third-Party Liability Insurance Coverage

Full-Active Members are Eligible for Third-Party Liability Insurance coverage as an Additional Insured.  The Liabiity Insurance Policy is an EXCESS COVERAGE POLICY, which offers coverage for a Member incident to an accident or damage caused by a racehorse to a Third-Party's Property.


Also covered are racehorse mortality incident to shipping, Fire, and Disaster Insurance Coverage under limited circumstances.


For complete details request a copy of the Policy.

Harness Horsemen's Retirement Trust Plan (H.H.H.R.P.)

Eligible Grooms, Breeding Farm Workers, Drivers and Trainers can receive a contribution on a yearly basis pursuant to Ohio Revised Code from the statewide breakage fund into an individual retirement trust account. The contribution is based upon their full-time employment status with a Breeding Farm or Racing Stable or individual qualified status and number of starts as a driver or trainer.

Human and Equine Benevolent Fund Request

Provide grant-based assistance or aid to standardbred horses, owners, trainers, and grooms or breeding farm workers in distress or under threat of imminent harm.  OHHA Benevolent Aid is available on a case-by-case basis.  Funds distributed solely in the OHHA’s discretion for the use and manner deemed most beneficial.

Accident, Death, and Disability Insurance

Accident, Death, and Disability Coverage is available for all Drivers injured on-track during the course of a race at an Ohio Pari-mutuel racetrack or a race at a Fair during the scheduled Fair Racing Dates.


Plan A provides coverage while working with horses.  Plan B provides 24/7 coverage 365 days a year whether or not you are injured with horses or without.  The Canadian track added coverage form applies only to working with horses in Canad


Download the Voluntary Accident Brochure, complete the form located in the brochure.  Fax the completed form and credit card authoriztion to (309) 452-7500 or Mail the completed form with annual premium payable to:  Van Gundy Insurance, Attn: Gail McNeely, 101 S. Towanda Avenue, Normal, IL 61761

On-Track Accident Insurance Information

When an accident occurs on the racetrack, during a pari-mutuel race, qualifying race, matinee race or fair race at a covered location, Drivers have on-track accident insurance coverage as part of the Full-Active Membership Benefit.


Fair Track Benefits are:  $10,000 Accidental Death and Dismemberment (loss must occur w/in 1 year of accident), $25,000 Accident Medical Expense ($100 Per Claim Deductible Paid for By Injured party and 52 week benefit period).  $125 per-week disability payment (104 week benefit period).


Pari-mutuel Track Benefits are:   $40,000 Accidental Death and Dismemberment (loss must occur w/in 1 year of accident), $240,000 Accident Medical Expense ($100 Per Claim Deductible Paid for By Injured party and 52 week benefit period), in addition to the $10,000 benefit limits on each track.  $75 per-week disability payment (104 week benefit period).

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 benefit is Excess over any other liability insurance.  The Association policy also does not extend to member versus member claims because all Members are named insureds.  The intent of the Ohio Harness Horsemen’s Association Third Party Liabiity Policy is to provide Excess Liability coverage for its Members, but only in the capacity of racing or being in training at one of the designated race tracks or fairground locations.  The Association Policy is not intended to provide third party liability coverage for a Member’s for profit horse business.  Having an independent policy would alleviate the issue of Members being involved in an incident with another Member.   With an individual policy, the Member would be the named insured on that policy, and another Member would thus be the third party and could recover or take legal action under the others' general liability policy.


Click the link for the application.  It is important that the application be fully completed.  On Page 3, note ALL owned horses must be declared and ALL non-owned horses in training or boarded at an applicant’s facility or under his care, custody or control, must also be listed.   Someone who has the care, custody or control of horses owned by others, will also want to complete the section of the application for the Care, Custody or Control Liability to obtain protection for the death or injury to a non-owned horse should the horse owner take legal action against them due to injuries or death of their horse resulting from negligence in its care.


We do have agreement to offer Members the limits of $1,000,000 per occurrence/$2,000,000 annual aggregate for those horse owners with ten or fewer horses at a base level starting at:

Total Owned Horses:      under 5                Annual Premium:  $350

Total Owned Horses:      under 10              Annual Premium:  $500


Upon application you will be rated and premium advised based on the application submitted.


Worker's Compensation Insurance Co-Op Information

All small business employers with payroll that exceeds the State Requirement Minimum must carry Worker's Compensation Coverage. As-of 2019 the Ohio State Racing Commission has included Owners and Trainers as a condition of licensure.  The Association offers a free, Member-Benefit partnership with Comp Management for the most cost-effective coverage available.  Currently have coverage, a free, no-obligation review is available by simply completing the AC-3 form attached at the link.  Don't be without this important coverage as required by law.

Dancin Fever - Ottawa County Fair 2016 , Conrad Photo

O.H.H.H.I.T. Aetna© Medical Insurance Program

O.H.H.H.I.T. Aetna Medical Insurance Program