28/ FEBRUARY 2023 THE RIDER


Board Members And Contact Information Board Secretary: Heather Aitken CRHRA correspondence: operationsmanagercrhra@gmail.com


President: Patrick Connor Email: president@crhra.ca - Phone: 613-484-1140


Vice-President: Bonnie Simpson Email: operationsmanagercrhra@gmail.com Phone: 705-878-2684


www.crhra.ca


CRHRA News


February 2023 We would like to wish


Liz Franks a speedy recovery. Hope she is well enough for the Riding Season!!


YOU HAVE THE RIGHT TO CHOOSE !!


BFL was kind enough to


provide CRHRA with Fre- quently Asked Questions about CRHRA Insurance Ben- efits.


They hope that this will


help you make your decision on which benefits you require. Come by the CRHRA


Booth at Can Am in Ancaster March 31 April 1&2 and Visit Mark and Alex the Cowboys would love to visit with you. Besure and pick up your Barn Safety Posters from them along with Trail Eti- quette Posters. They are free and full of lots of helpful hints.


BFL CANADA Risk and Insur- ance Services Inc. bflcanada.ca


1. Does the Canadian Recre- ational Horse and Rider Asso- ciation


(CRHRA)


ownership and/or non-commer- cial use of horses is included as part of your annual membership fee. 2. What is the limit of liability with my CRHRA policy? The CRHRA’s member lia-


bility policy has a $5,000,000 limit per occurrence for each member. 3. If I have Third Party Liabil- ity Insurance coverage through my CRHRA policy and I lease my horse for the year, am I cov- ered?


Yes, the CRHRA Member


liability policy will cover you for horses that you own and/or lease to others, so long as it is not for commercial use. Some examples of our coverage are:


offer


Liability Insurance coverage for its Members? Yes, liability coverage for


9067 Old Hastings Road, Eldorado, ON K0K 1Y0 Working For The Future Of Recreational Horse Enthusiasts!


CRHRA Membership Benefits Frequently Asked Questions


i. The horse bites or kicks some- one causing bodily injury. ii. The horse kicks a car or trailer or escapes to a neighbours and causes property damage. iii. The horse gets loose and runs on the road and causes property damage to a vehicle and/or injury to the passengers inside the vehi- cle. 4. If I invite my friend over who does not have insurance through the CRHRA and allow them to ride my horse, am I covered? Yes, the CRHRA Member


Liability policy will respond in this situation, as long as it is for pleasure riding. 5. If I ride my horse on my neighbour’s property, on public land, or on the road, am I cov- ered?


Yes, the CRHRA Member


liability policy will respond to in- cidents arising on property of oth- ers, including public land and roads. 6. If am travelling outside of Canada with my horse compet-


ing, am I covered? Yes, the CRHRA Member


liability policy’s territorial limits are world wide to accommodate those individuals competing in the US or abroad. All lawsuits must be brought to Canada. 7. If my horse is a stallion, am I covered? Yes, if however, you have a


breeding stallion, you should con- sult your broker for additional commercial liability insurance re- quirements. 8. If I trailer a friend’s horse from time to time, am I cov- ered? I am reimbursed for gas only and do not charge “ship- ping fees”. Yes, non-owned horses


temporarily in your care, custody & control (non-commercial situ- ation) are covered up to a maxi- mum of $10,000 per horse with a total aggregate of $100,000. If you charge shipping fees, or your trailering activities are connected with other commercial operations such as coaching or boarding, then you should obtain commer- cial liability coverage through your broker. 9. I use my horse to teach les- sons once or twice a week. Is this covered? No, the CRHRA Member


Liability policy is intended to cover liability arising out of the


member’s personal use of horses. If you have any commercial op- erations, you should speak with your broker about proper protec- tion with a commercial liability insurance policy. Commercial means you are accepting payment for a service or activity, or you are giving a service for which you would usually accept payment i.e. the service is provided as a nor- mal part of your business. Simple reimbursement of expenses is not considered commercial as per #10 above. 10. Under the CRHRA mem- bership benefits, are we cov- ered if the horses gets out and causes an accident? Yes,


liability protects


against bodily inquiry and prop- erty damage you may negligently cause to others 11. If we are away and someone else looks after the horses, are they still insured? Yes, coverage will remain


in place. If the person caring for your animals is found negligent, they may be held responsible. 12. Can I lend my horse and is that person covered under my CRHRA membership? No, while you can lend


your horse, your membership will not extend to that party. They can opt to purchase their own mem-


bership. 13. If I board my horse and it injures another horse, am I cov- ered under my CRHRA mem- bership? Yes, should you be found li-


able for the incident, this cover- age will protect you. 14. Does my Horse Mortality and Life Saving Surgery cover a horse that my horse injured or killed? No, your liability coverage


will protect you in the event that you are found negligent for the horse’s death. 15. When would I need farm in- surance if I only have one horse at home? Your homeowner’s insurer


should always be made aware of any animals/livestock on the property. Farm insurers specialize in the unique risks associated with farms, such as outbuildings, commercial operations, and lia- bility for horses and/or livestock. Most personal home policies are not designed for these types of risks and present coverage issues and exclusions. Always speak with your broker to ensure you are adequately covered. Should you require farm or commercial insurance


please email equine@bflcanada.ca for a quote. Office Phone Number (705) 878-2684


Email: secretarycrhra@gmail.com Phone: 519-767-8074


CRHRA Trail Community Coordinator: Laurie Panagiotou crhratrailcommunity@gmail.com


CRHRA Admin-Trail-Community Kathy Morton Email: 4trailcommunitycrhra@gmail.com


Memberships: Barb Millar Phone: (519) 941-6157 Email: memberships@crhra.ca


Ambassador: Jack deWit Email: cndhrsman@gmail.com Cell: 905-424-4666


Marketing Director Ross Millar - rmillar@millargroup.com Work: (519) 942-3011 Cell: (416) 587-0003


Directors/Regional Reps Thorold, St Catherines, Welland, Niagara


Mark Dobrindt Email: cowboy1949@live.ca Phone: 905-380-9769


Windsor, South Western Ontario John Aston Email: johnaston762@yahoo.ca Phone: 519-566-8377


You have The Right To Choose!


Equestrian Canada Joins Abuse-Free Sport


Ottawa, ON, Feb. 1, 2023 - Equestrian Canada (EC)


is


pleased to announce that it has signed an agreement to join Abuse-Free Sport, the new inde- pendent program to prevent and address maltreatment in sport. Beginning on April 1,


2023, EC staff, board, committee members and its National Team Program (NTP) participants will have access to the services of the Office of the Sport Integrity Commissioner (OSIC), which serves as the central hub of Abuse-Free Sport. NTP partici- pants include athletes, and mem- bers of the integrated support teams. EC has chosen to begin the transition to utilizing OSIC services with high-performance participants, for individuals who represent our country at the inter- national level of equestrian sport. A transition period will continue to a second phase of all partici- pants in 2024. “Through sport research,


we have learned that very few


high-performance athletes that experience maltreatment – only about 15 percent, report their ex- periences,” explained EC CEO Meg Krueger. “It was therefore important for us to prioritize this group of participants through ad- ditional external support services as we transition our reporting processes to the OSIC.” In addition to its own set


of Safe Sport policies, EC offi- cially adopted the Universal Code of Conduct to Prevent and Ad- dress Maltreatment (UCCMS) from the OSIC on December 1, 2022.


“EC recognizes that safe


sport is everyone’s responsibil- ity,” Krueger continued. “Anyone participating in equestrian sport in Canada should expect to do so in an environment free from all forms of maltreatment and within a sport culture of inclusivity, dig- nity, and respect. We are fully committed to doing our part to support a growing national move- ment that is changing the culture


of sport in this country.” Prior to April 1, 2023, EC


National Team Program partici- pants and any EC sport license holders who have experienced or witnessed maltreatment will con- tinue to have access to independ- ent third-party services through EC’s External Complaint Man- ager, W&W Dispute Resolution Services Inc . “We are pleased to sign


on to Abuse-Free Sport and to soon have the OSIC administer safe sport complaints for our na- tional team,” continued Krueger. “This is an important step for- ward for high-performance equestrian athletes and for every- one involved in sport in Canada.” There is more informa-


tion about the Abuse-Free Sport program here - https://abuse-free- sport.ca/ - , on the OSIC here - https://sportintegritycommis- sioner.ca/ - , and on Equestrian Canada here - https://www.eques- trian.ca/about/safe-sport


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