Equine Insurance Specialists

Insuring horses and their people since 1992.

Month: December 2017

Insuring Your Farm Personal Property

By Evan Beauchamp, AFIS, AAI, AINSPosted on Posted in Evan Beauchamp, Farm Insurance2 Comments on Insuring Your Farm Personal Property
Because no two farms are identical, farm policies are written with a great deal of flexibility to cover the property insurance needs of individual farm owners.  For this reason, there is no automatic farm personal property coverage afforded under the typical farm policy.  This gives you the ability to purchase just the coverages you need,[…]
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A Picture is Worth a Thousand… Dollars?

By Julie I. Fershtman, Esq.Posted on Posted in Julie Fershtman, Legal (Miscellaneous)No Comments on A Picture is Worth a Thousand… Dollars?
Understanding the Legal Right of Publicity With an ear-to-ear grin as you proudly sit astride your gleaming horse, you grasp a big blue ribbon. This photograph graces the walls of your home and can be seen in the homes of your relatives and friends. But what happens if, one day, a major equine goods manufacturer[…]
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Why did You Settle that Case?

By Julie I. Fershtman, Esq.Posted on Posted in Julie Fershtman, Legal (Miscellaneous)No Comments on Why did You Settle that Case?
A horrible nightmare has come true. During a casual Sunday afternoon trail ride, your friend fell off your horse. Now, several months later, he is suing you. You know you have powerful defenses. The horse he fell from — your elderly and practically “bomb-proof” gelding — barely moves and has never thrown a rider. You[…]
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Will Your Corporation Limit Your Personal Liability?

By Julie I. Fershtman, Esq.Posted on Posted in Julie Fershtman, Legal (Miscellaneous)No Comments on Will Your Corporation Limit Your Personal Liability?
Nine Suggestions for Taking Your Corporation Seriously so that Others Will Too. Who needs a corporation? Possibly, you. The corporation’s main benefit is that it can serve as a liability shield — that is, individuals running the corporation are typically immunized from personal liability for liabilities arising out of the corporation’s activities. This can be[…]
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Papers, Papers – Who Has the Papers?

By Julie I. Fershtman, Esq.Posted on Posted in Julie Fershtman, Legal (Miscellaneous), Mortality Insurance, Waivers & ContractsNo Comments on Papers, Papers – Who Has the Papers?
Two months ago you bought the horse you always wanted. Your goal was to win championships in breed-recognized horse shows. Now, however, it appears that a terrible problem has ended your plans: The seller will not transfer the horse’s breed registration papers into your name. Your arsenal of weapons is limited — there is no[…]
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Why Do Liability Releases Sometimes Fail? (Part 1)

By Julie I. Fershtman, Esq.Posted on Posted in Farm Insurance, Julie Fershtman, Legal (Miscellaneous), Liability Insurance, Waivers & ContractsNo Comments on Why Do Liability Releases Sometimes Fail? (Part 1)
“Releases are not worth the paper they’re written on.” We hear statements like this all the time. Is this really true? Generally speaking, no. What is true, however, is that releases of liability (also called “waivers”) are probably the most misunderstood contracts in the entire horse industry.
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Why Do Liability Releases Sometimes Fail? (Part 2)

By Julie I. Fershtman, Esq.Posted on Posted in Farm Insurance, Julie Fershtman, Legal (Miscellaneous), Liability Insurance, Waivers & ContractsNo Comments on Why Do Liability Releases Sometimes Fail? (Part 2)
“Releases are not worth the paper they’re written on.” We hear statements like this all the time. Is this really true? Generally speaking, no. What is true, however, is that releases of liability (also called “waivers”) are probably the most misunderstood contracts in the entire horse industry. Part one of this two-part series explored the three main[…]
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Do You Understand Your Equine Insurance? (Part 2)

By Julie I. Fershtman, Esq.Posted on Posted in Julie Fershtman, Legal (Miscellaneous), Liability InsuranceNo Comments on Do You Understand Your Equine Insurance? (Part 2)
When it comes to equine-related insurance, misconceptions have plagued the horse industry for years. Most people do not understand what they bought, what they need, whether they have the coverage they think they do, and how to keep their coverage intact. Insurance is an important and expensive purchase. Part One of this series explored some[…]
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Do You Understand Your Equine Insurance? (Part 1)

By Julie I. Fershtman, Esq.Posted on Posted in Julie Fershtman, Legal (Miscellaneous), Liability InsuranceNo Comments on Do You Understand Your Equine Insurance? (Part 1)
When it comes to equine-related insurance, misconceptions have plagued the horse industry for years. Most people do not understand what they bought, what they need, whether they have the coverage they think they do, and how to keep their coverage intact. Insurance is a very important purchase. With so much at stake, can you really[…]
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The Liability of Volunteers

By Julie I. Fershtman, Esq.Posted on Posted in Farm Insurance, Julie Fershtman, Legal (Miscellaneous), Liability InsuranceNo Comments on The Liability of Volunteers
Volunteers are the life blood of the horse industry. They make things work. They help run horse shows, handicapped riding programs, association, 4-H groups, scouting groups, pony clubs, humane societies, and more. Their assistance helps groups perform worthwhile activities smoothly and within budget.
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