As a member of the United States Polo Association and their affiliates, many benefits are provided to each member. The following is a brief description of each program benefit. Specific coverage issues should be referred to Equisure during normal business hours. This is a summary of coverage and is not intended to provide policy details. Please refer to the actual policy for all terms, conditions, definitions and exclusions.

Coverage #1
Member Excess Personal Equine Liability:

-Coverage is "excess" over any other valid and collectible insurance
-$1,000,000 per occurrence limit for each Playing and Student member
-Coverage is designed for claims which may arise from the personal use and/or ownership of a horse(s)
-Property damage to horses is covered
-Legal costs associated with claims are included up to the policy limit
- Coverage is designed for Members who own horses personally. Business liability, i.e. training, breeding, selling, etc. is not covered.
-For "Players" the Excess Personal Liability will afford coverage in respect of all sums which the insured may become legally liable to pay for bodily injury to any person or accidental damage to property or personal injury to any person arising out of the use and/or ownership of a horse.
-For "Students" the Excess Personal Liability will afford coverage in respect of all sums which the insured may become legally liable to pay for accidental bodily injury to any person or accidental damage to property or personal injury to any person while the insured is practicing and/or playing in Polo matches.

Why do I need this coverage?

Personal equine liability is an exposure to any and all horse owners. Though the coverage excludes "business and professional" pursuits, most USPA members own their horse(s). Whether you are a "professional polo player" or a member who loves to play the game, equine liability is a necessary insurance in the litigious world we live in today. If you already have liability insurance through an equine farm or homeowners policy, your USPA coverage will pay in excess of any other coverage you may have. If none of your insurance responds to an equine liability claim, the USPA policy will become your primary coverage. Claims reported to us that involve the personal equine liability policy have recently been; while loading a horse into a trailer after an event, the horse got away from the handler and ran across a parking lot damaging two vehicles and injuring one person slightly. The claim was completely covered and the damaged parties were paid accordingly. Recently a farrier was injured while attempting to shoe a horse. Because the owner did not advise the farrier that the stallion was very high strung and energetic, a claim was filed for the farriers injuries and paid by the personal liability policy. Remember, if your horse causes serious bodily injury to a third party, your chance of being sued for negligence is extremely high. . . equine liability is included in the cost of your membership and will defend you and pay on your behalf these types of claims.

Coverage #2
USPA Tournament Liability:

-$1,000,000 coverage per occurrence, per event
-Coverage is for the claims which arise from property damage (incl. Horses) or bodily injury during a match
-Coverage is applicable to all participants (players), spectators, volunteers, or others involved in the operations necessary to a polo match.
-"Who Is An Insured" also includes coverage for the sponsoring organization, match committee members, officials and facility owners.
-All USPA sanctioned matches/tournaments or practices which are related to tournament play are covered
- Full-time "professional" players are covered for claims that arise against them under this policy.

Why do we (USPA) need this coverage?
Coverage under this policy provides players and event management critical liability coverage. If a player accidentally hits another player or horse or spectator, the policy will defend and settle claims which arise from the actual match play. If one member damages another members horse during play, and a claim is filed, the policy will respond to this type of accident as well. The policy is strictly designed for third party negligent liability, which is then broadened to include coverage for "player vs. player" claims.

Coverage #3
Accidental Death & Disablement:

-$20,000 Accidental death limit during non-sanctioned match
-$30,000 Accidental death limit during sanctioned match
-$20,000 Permanent total disability limit (per schedule) non-sanctioned/
-$30,000 Limit during sanctioned play
- $30,000 Accidental death limit for student players/$30,000 permanent disablement limit per schedule
-Section 1 ­ (not applicable for "students") Coverage for bodily injury caused by an equestrian related accident and/or direct travel to or from (but not while attending) official events including overnight stops. Accidental Death ­ US $20,000; Permanent Disablement ­ as per scale attached; (Maximum Sum Insured US $20,000); Permanent Total Disablement ­ US $20,000.

Section 2 ­ (not applicable for "students") Coverage for bodily injury while attending any polo match sanctioned or sponsored by the USPA and/or any polo governing body anywhere in the world from the time of arrival at such match until time of departure therefrom only. Accidental Death ­ US $30,000; Permanent Disablement ­ as per scale attached; (Maximum Sum Insured US $30,000); Permanent Total Disablement ­ US $30,000.

Section 3- (applicable in respect of Students only) Coverage for bodily injury while engaged in polo matches or practice sessions for any sanctioned/sponsored by the USPA anywhere in the world from the time of arrival at such match or practice session until time of departure therefrom only. Accidental Death ­ US $30,000; Permanent Disablement ­ as per scale attached; (Maximum Sum Insured US $30,000); Permanent Total Disablement ­ US $30,000.

-The maximum sum insured against Accidental Death under Sections 1 or 2 and 3 for Insured Persons under the age of 16 is US $3,750
-No coverage applies in respects of persons under 9 years of age. (This is a change from early last year as the policy was endorsed from age 11 to age 9)

Equisure, Inc.* 3000 S. Jamaica Ct., Ste 210 * Aurora, CO * 80014 *800-752-2472 * 303-614-6967 (fax)

Table of Contents| Forward | Chapter 1: Getting Started | Chapter 2: Contacts | Chapter 3: Fund Raising & Help | Chapter 4: Mentoring Coordinator | Chapter 5: Marketing ProgramChapter 6: Safety Around Horses | Chapter 7: Riding Preparations | Chapter 8: Code of Conduct | Chapter 9: By Laws Cal Poly Exam | Chapter 10: Summer Horse Lease | Chapter 11: CoChair-Member Duties | Chapter 12: CoChair - Team Duties | Chapter 13: Public Relations Chair | Chapter 14: Horse Manager Duties | Chapter 15: Horse Donation Program |Attachment Sample -Handbook By Sue Sally Hale