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 Breeding Farm Workers.  Complete details and eligibility dependent upon qualification guidelines.


Current Self-Pay Cost Monthly $399.00 per-month for Single Coverage or $923.00 per month for Family Coverage as-of 5-1-22

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 maximum coverage to apply.  Once the completed Sulky Registration Form is received coverage will apply above the lowest tier.  Sulkies not on the registry are covered at the lowest tier cooverage.  Sulkies with no serial  numbers when registered will result in the lowest tier coverage.


Optional - Sulky Insurance Supplemental coverage may be added at a cost to the Sulky Insurance Coverage for full active members. Supplemtnal Coverage can be purchased by non-members racing in Ohio.   Full details on the Sulky Insurance Claim Form.

Third-Party Liability and Equine Mortality Insurance Coverage

Full-Active Members are Eligible for Third-Party Liability Insurance coverage.  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.  The incident must occur with a full active OHHA Member's race horse, or at the OHHA office for coverage to apply.




Also covered are racehorse mortality incident to shipping, Fire, and Disaster Insurance Coverage at pari-mutuel racetracks or fairgrounds under limited circumstances.


This is a summary only of the Plans in place, for complete details request a complete copy of any 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 a USTA licensed Ohio Pari-mutuel racetrack or a race at a USTA licensed 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 and Matinee Benefits are:  $10,000 Accidental Death and Dismemberment (loss must occur w/in 1 year of accident), $250,000 Accident Medical Expense (No 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 Policy and Benefits:   $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 base 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 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 pari-mutuel race tracks, racing fairground locations, and other specifically scheduled covered training centers. Training Centers with 50 or more Standardbred racehorses stabled can apply to be listed as a covered location on the Association’s Coverlink excess coverage third party liability policy as noted above in the Third Party Liability Insurance Section.


Click the link for the application for an individual primary policy with Coverlink.  It is important that the application be fully completed.   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.  Upon application with Coverlink you will be rated and premium advised based on the application submitted.


Worker's Compensation Insurance Co-Op Information

All Ohio businesses are required to carry worker's compensation.  Any business that does not maintain workers compensation coverage on an employee of the business or declines coverage for themselves, may be personally responsible for costs and expenses for claims on a self-covered basis if State Worker's Compensation is not in place.


Ohio State Racing Commission administrative code requires Owners and Trainers carry Worker's Compensation for their businesses as a condition of licensure.


The Association offers a free, Member-Benefit partnership with Sedgwick for the most cost-effective coverage available.  Those that currently have coverage can also get a free, no-obligation review by simply completing the AC-3 form attached at the link.  Don't be without this important coverage required by law.  Call Kathy Redmond, Client Services Manager with Sedgwick at 614.376.5409.


May 19, 2022 Ohio Worker's Compensation Informational session. Click this link for a video playback of the meeting, and click this link for the meeting materials.

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