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Maryland Horse Council Business Seminar Insurance, Liability and COVID-19


On May 28, the Maryland Horse Council Business Network presented


a ZOOM Business Seminar on equine business insurance, employer li- ability, and how these have been affected by the COVID-19 pandemic. Over 100 people signed up for the ZOOM presentation with over 65 listening in live. Te seminar was open to all who wished to attend, and a recording video has been made available here: https://qrs.ly/yubm08w Corinne Pouliquen, MHC Legislative Committee member and seminar co-organizer, opened the seminar with an overview and then introduced speakers Kate Masterton, Esq., Andy Bennett and C.R. Hogendorp.


Negligence & Standard of Care Kate Masterton earned a J.D. at American University’s Washington


College of Law. She holds a B.S. degree in Environmental Science from Cornell University’s College of Agriculture and an A.A.S. degree in Equine Science. Te Law Office of Kathleen J. Masterton, P.C., is an AV rated firm focused on estate planning and administration, business law, and equine law. During the seminar, Masterton spoke about the legal concepts of negligence and the standard of care, and how they apply dur- ing the COVID-19 pandemic. Te majority of Masterton’s talk revolved around release forms and


waivers for lesson and boarding stables, which was also what many lis- teners asked about during the seminar’s Q & A section. Masterton ad- vises that facilities create one overall comprehensive risk management plan and have only one comprehensive waiver to be signed by clients. “Having multiple release forms, such as a separate one for COVID-19 weakens the overall release form,” she said. Masterton suggests including “biohazards” in the single comprehensive waiver.


Insurance During COVID-19 Andy Bennett is the founder of Te Piedmont Group Insurance Solu-


tions. For more than two decades he has worked with agricultural entre- preneurs to design custom risk management programs. He holds a B.S. degree in Business Administration from West Virginia University and is currently licensed to do business in almost two-dozen states across the U.S. Bennett spoke on insurance issues related to the COVID-19 pandemic. Bennett suggested that business owners contact their agents to request mid-term adjustments. Agents can help with changes to payroll, sales basis for liability exposures and radius classes (local, intermediate or long dis- tance categories) for business vehicles. In addition, he gave tips on how to prepare workplaces while people return to businesses during COVID-19.


SUBHEAD: Policy Adjustments C.R. Hogendorp is a three-time National Reining Horse Association


World Champion and was a past president and past vice president of NRHYA. He has offices located in Hunt Valley, MD, and Hedgesville, WV, and is licensed in six states. Hogendorp specializes in Agriculture and Equine Business. He graduated from Towson University with two B.S. degrees. His topics during the seminar related to mid-term policy adjustments and how to keep your business in compliance with state and county COVID-19 regulations Hogendorp’s biggest advice as the state reopens is for businesses to


“proceed with caution” and “reach out to your insurance agent with any and all questions.” Hogendorp also reminded business owners to stay current with state and county COVID-19 mandates as these mandates and executive orders are changing rapidly. “Insurance agents are here to help and we have been helping several owners through this process,” he added. “Tat is what we are here for!”


MARYLAND HORSE COUNCIL BENEFITS


Since 1985, MHC has sought to unify, inform, and represent Maryland’s horse community. During this COVID-19 Pandemic, MHC has been working hard to support members and the community as a whole and your support and communication enable MHC to accomplish the mission for which it was established.


One


Common Voice


Your Representative in Annapolis


Working with DNR & MDA to resolve issues & questions regarding COVID-19 Executive Orders & Department Guidelines &


developing plans for a phased reopening MHC Committees


Weekly “COVID emergency” meetings to interpret COVID-19 information as it


pertains to the community & put together plans to distribute that information


Community Network & Resources Hosted a Virtual Town Hall • Developed a


Comprehensive Resource Webpage & Best Practices Document for Businesses, Farms & Individuals to Reference


28 | JULY 2020 | THE EQUIERY A MARYLAND HORSE COUNCIL PUBLICATION


Collaborating w/ MFFH to Assist Maryland’s Horses


Equiery Ad Giveaway to Support Local Businesses & Farms


Join or Renew Your Membership Today!


(844) MDHORSE • membership@mdhorsecouncil.org join.mdhorsecouncil.org


One Common Bond - The Horse • One Common Voice - Maryland Horse Council 800-244-9580 | www.equiery.com MHC Programs


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