1. MANITOBA HORSE COUNCIL 2014 – 2015 MEMBER BENEFITS

2. TABLE OF CONTENTS  MHC Member Liability (automatic coverage)  MHC Accidental Death & Dismemberment (automatic coverage)  MHC Horse Insurance (automatic coverage)  Optional Membership Coverages available  MHC Club Liability Insurance Package  Directors’ and Officers’ Liability available to MHC Clubs  Other Insurance Coverages Available through BFL

3. MHC MEMBER LIABILITY – AUTOMATIC WHO IS COVERED: All members and temporary members in good standing with the Manitoba Horse Council. AMOUNT OF COVERAGE: $5,000,000 Personal Liability ADDITIONAL COVERAGES: $25,000 Medical Expenses EXAMPLE: If your horse were to cause harm to a third party (person or property), examples such as, someone falling off the horse, the horse kicking a trailer, the horse getting loose on the road and causing a motor vehicle accident, biting or kicking etc.

4. MHC MEMBER ACCIDENTAL DEATH & DISMEMBERMENT – AUTOMATIC TYPE OF COVERAGE: This plan covers MHC members while participating in sanctioned events under the supervision and at the direction of the Manitoba Horse Council. WHO IS COVERED: All MHC members under the age of 70 who are in good standing and whose names are on file with the insurance company. AMOUNT OF COVERAGE: $25,000 Principal Sum

5. MHC MEMBER ACCIDENTAL DEATH & DISMEMBERMENT – AUTOMATIC ADDITIONAL BENEFITS:  $10,000 Repatriation  $10,000 Rehabilitation  $10,000 Family Transportation  $ 5,000 maximum Educational Benefit  $ 300 maximum Fracture Reimbursement

6. MHC MEMBER HORSE INSURANCE (SPECIFIED PERILS) – AUTOMATIC  Offers Specified Perils coverage to all MHC members if your horse is uninsured.  Protects your horse from the perils of fire, collapse of building and overturning of a conveying vehicle.  Maximum limit of $10,000 per member, regardless of number of horses or value of horses owned by the member.  Example: Trailer overturns while your horse is in transit; the resulting injuries require it be humanely destroyed. The member would have coverage up to the maximum limit of $10,000.

7. OPTIONAL MHC MEMBER $2,500 LIFE SAVING SURGERY ENDORSEMENT  Enhancement to your automatic member horse insurance coverage  Covers emergency, life-saving surgical procedures that take place under a general anesthetic, including colic and fracture repair  Limit per horse / procedure / aggregate per member per membership term is $2,500 regardless of number of horses owned by the member or cost of surgeries performed  No deductible  Does not cover pre-existing conditions or surgery related to birthing, dental, arthritic changes, or bone chip removal

8. OPTIONAL MHC MEMBER $3,500 TACK AND HORSE EQUIPMENT COVERAGE  If your tack is stored away from your primary dwelling (i.e. at the barn) for 30 days or longer, it is likely not insured under your residential property policy  This policy covers tack and horse equipment you own against loss or damage, regardless of where you store it  Excludes rider clothing and protective equipment  Limit per claim / aggregate per member per membership term is $3,500 regardless of the value of the equipment lost or damaged  Subject to $500 deductible  Claims are settled on an Actual Cash Value basis  Tack is required to be properly secured in order for a theft claim to be valid

9. OPTIONAL MHC MEMBER $1,000,000 TRAVEL MEDICAL INSURANCE  Policy applies to the individual purchasing coverage – this is usually the MHC member; however, additional coverage may be purchased for immediate family of the MHC member  Comprehensive coverage applies 24 hours/day, 365 days/year  Covers losses for both accident and sickness  Loss does not have to be horse-related for policy to respond to a claim

10. TYPE OF COVERAGE: Commercial General Liability policies cover the Member Clubs’ legal liabilities to third parties for death, bodily injury, personal injury and/or loss, damage or loss of use of property. The policy also covers the legal costs associated with a legal action brought against the club. MHC CLUB LIABILITY PACKAGE

11. EXAMPLE: If a legal action is brought against the club due to its activities, the policy would respond by providing defence costs and settlement for any judgement and/or agreement settlement(s) negotiated by the Insurer. Legal fees can run to a sizeable sum (even if the club is not found negligent) – your club liability policy will cover those fees. MHC CLUB LIABILITY PACKAGE

12. LIMIT OF LIABILITY: $ 5,000,000 Commercial General Liability ADDITIONAL COVERAGES: - $ 1,000,000 Non-Owned Auto -$ 5,000,000 Host Liquor Liability -$ 2,000,000 Tenants Legal Liability -$100,000 Stableman’s Liability per horse/$1,000,000 Aggregate -$25,000 Medical Expenses ($2,500 per person) -$10,000 Employee Dishonesty, Depositor’s Forgery, Computer Fraud -$5,000 Loss Inside/Outside Premises, Money Orders & Counterfeit Paper Currency MHC CLUB LIABILITY PACKAGE

13. DIRECTORS’ AND OFFICERS’ LIABILITY This coverage is not automatically included in your MHC Club membership. You must contact BFL for a quotation. DIRECTORS’ AND OFFICERS’ LIABILITY FOR MHC CLUBS This policy provides coverage for the club’s directors and officers while they are acting in the capacity of a director for the club. It protects the directors’ and officers’ personal assets. COVERAGE INCLUDES  Wrongful Acts committed in the course of duty as a Director or Officer  Employment Practices Liability

14. DIRECTORS’ AND OFFICERS’ LIABILITY EXAMPLES OF CLAIM SCENARIOS  Providing advice to members  Enforcement of Organization’s rules and regulations  Mismanagement of Funds  Uncollected/ Withholding taxes  Misrepresentation  Wrongful Dismissal  Unpaid wages EXAMPLE: Director is sued for mismanagement of club’s affairs, miscalculation of annual points, liability for various acts enforced by the government etc.

15. OPTIONAL INSURANCE PACKAGES AVAILABLE INDIVIDUAL HORSE INSURANCE BFL offers comprehensive Full Mortality Insurance Packages to Manitoba Horse Council Members at discounted rates. Our MHC Member Policy Includes (when eligible):  $1,000 Death Claim Reimbursement  $2,500 Tack & Equipment  $500 Equestrian Competition Withdrawal – exclusive to BFL  Extra Boarding Expense coverage  Guaranteed Renewal with Waiver of Depreciation

16. OTHER INSURANCE PACKAGES AVAILABLE EQUINE FARM INSURANCE (Hobby Farms, Breeding Operations, Commercial Equestrian Facilities) –Comprehensive Farm Property and Liability Policy developed specifically to cater to facilities where horses are kept. –Coverage is customized to include all aspects of your property (homeowner’s, tenant’s package, barn, arena, other farm outbuildings, farm machinery and tools, etc.) and operations (liability coverage for ownership of horses, riding lessons, boarding of non-owned horses, clinics, horse shows, etc.) Policy Includes automatic limits for: –Owned Horses (Specified Perils) –Identity Theft –Hydro Poles –Fences –Tack & Equipment –Produce –Business Interruption –Extra Expense –Accidental Death and Dismemberment –Crime Coverage These automatic limits can be increased by request.

17. OTHER INSURANCE PACKAGES AVAILABLE COACHING INSURANCE This policy is a comprehensive liability policy for freelance coaches. Coverage extends from location to location and includes tenants legal liability and care, custody and control coverage. Policy includes automatic limits for: -Crime coverage -Accidental Death & Dismemberment -Property coverage -Tenant’s Legal Liability -Stableman’s Liability (Care, custody and control of non-owned horses) -Non Owned Automobile Liability

18. OTHER INSURANCE PACKAGES AVAILABLE GROOM INSURANCE This policy is a comprehensive liability policy for freelance grooms and stable hands. Coverage extends from location to location and includes care, custody and control coverage. Policy includes automatic limits for: -Property coverage -Stableman’s Liability (Care, custody and control of non-owned horses)

19. OTHER INSURANCE PACKAGES AVAILABLE HORSE SHOW LIABILITY This policy provides extensive protection for the organizers, volunteers, officials etc of horse shows. There are packages available for all types of horse shows (permit, schooling, EC-sanctioned). This policy conforms with all EC insurance requirements. EXAMPLE: If a competitor or spectator were to sustain bodily injury while at your horse show, the policy would respond accordingly. Spectator slipping in the stands, competitor falling off in the show ring etc.

20. MHC MEMBER BENEFITS QUESTIONS?