Liability Insurance – $20 AERC Gold Membership is a bargain…

Written by Deb

Did you know that you can get a personal liability policy through AERC to cover injuries or damages to a third party arising out of using your horse?  It’s called the “Gold Membership“.  It’s easily overlooked on the membership form.  Or, if you are an AHA member with a competition card, this insurance is included at no addtional charge.  Many horse organizations offer these Excess Liability Policies to its members, and for good reason.

I neglected to renew my policy last fall.  Big deal, right?  Well, I had an incident occur at last weekend’s ride that made me realize just how quick something bad – and costly – can happen.

I was saddling my horse and he thought it was a good idea to pull back.  Even though i was using a safety lead, it broke which caused him to nearly flip over backwards. The truck parked next to me stopped his fall.  He left a huge dent in the box.  Thankfully, nobody – including my horse – was hurt. My new saddle is also okay.  The woman whose truck I hit was at her first endurance event.   She was kind and understanding and told me not to worry as I was crying while apologizing.  She had quite the christening to the World of Crazy That is Endurance, eh?

Knowing I didn’t have the policy through AERC, I was fretting over what insurance would cover it. Car? Trailer?  Home owners?  Thankfully my homeowners policy will cover the damage but not all policies cover horse related incidents.  Will yours? For $20/year, this added security is a safe bet.

If you don’t carry your own insurance policy, this plan will work as your primary insurance and cover the incident.

I’ve now added an umbrella policy to my existing plans but will also buy this bargain priced $20 policy for my horsey-adventures.

Call or email the AERC office and they can get you set up the coverage. For questions about the policy you can visit


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