Liability Insurance

<body topmargin=0 leftmargin=0 marginheight=0 marginwidth=0> <table cellpadding=0 cellspacing=0 border=0><tr> <td valign="top" colspan=2 height=90 BGCOLOR="#006699" TEXT="#080000" background="145ef2d3.jpg"> <div> <B><IMG SRC="29522460.jpg" border=0 width="546" height="70" ALIGN="BOTTOM" HSPACE="0" VSPACE="0"></B></div> </td> </tr><tr> <td valign="top" width=210 BGCOLOR="#FFFFFF" TEXT="#080000" background="145ef2d3.jpg"> <div> <A HREF="index.htm" TARGET="_top" TITLE=" "><U>Home</U></A></div> <div> <A HREF="about_us.htm" TARGET="_top" TITLE="About Us"><U>About Us</U></A></div> <div> <A HREF="contact_us.htm" TARGET="_top" TITLE="Contact Us "><U>Contact Us  </U></A></div> <div> <A HREF="horse_insurance.htm" TARGET="_top" TITLE="Insurance For Your Horse"><U>Insurance For Your Horse</U></A></div> <div> <A HREF="farm_insurance.htm" TARGET="_top" TITLE="Farm Property Insurance "><U>Farm & Property Insurance  </U></A></div> <div> <B> Liability Insurance</B></div> <div> <A HREF="riding_clubs.htm" TARGET="_top" TITLE="Riding Clubs Associations"><U>Riding Clubs & Associations</U></A></div> <div> <A HREF="show_liability.htm" TARGET="_top" TITLE="Horse Show Liability"><U>Horse Show Liability</U></A></div> <div> <A HREF="get_a_quote.htm" TARGET="_top" TITLE="Get A Quote"><U>Get A  Quote</U></A></div> <div> <A HREF="forms.htm" TARGET="_top" TITLE="Forms"><U>Forms</U></A></div> <div> <A HREF="claims.htm" TARGET="_top" TITLE="Claims"><U>Claims</U></A></div> <div> <A HREF="faqs.htm" TARGET="_top" TITLE="Frequently Asked Questions"><U>Frequently Asked Questions</U></A></div> <div> <A HREF="links.htm" TARGET="_top" TITLE="Links"><U>Links</U></A></div> <bR> </td> <td valign="top" height=390 width="100%" BGCOLOR="#FFFFFF" TEXT="#080000" background="145ef2d3.jpg"> <div> <I><IMG SRC="23eef2d0.gif" border=0 width="239" height="45" ALIGN="BOTTOM" HSPACE="0" VSPACE="0"></I></div> <bR> <div> <B><IMG SRC="206e34b0.jpg" border=0 width="483" height="75" ALIGN="BOTTOM" HSPACE="0" VSPACE="0"></B></div> <bR> <bR> <div> If you have a standard Homeowners Policy, your liability coverage may not extend to incidents involving your horse.  Most Homeowners Policies provide coverage for your personal liability only.  The equine liability policy provides protection for bodily injury or property damage caused by your horse ownership or equine activities including boarding, breeding, training or giving riding instructions.  </div> <bR> <div> We have a number of different policies available for horse owners offering protection from the exposures involved with horse ownership.</div> <bR> <div> <TABLE BORDER="2" CELLPADDING="2" CELLSPACING="1" WIDTH="505" BORDERCOLORLIGHT="#C0C0C0" BORDERCOLORDARK="#808080" FRAME="BOX" RULES="ALL" HSPACE="0" VSPACE="0" > <tR> <tD VALIGN=TOP HEIGHT= 269 WIDTH="493"><div> <B><IMG SRC="234262c0.jpg" border=0 width="294" height="44" ALIGN="BOTTOM" HSPACE="0" VSPACE="0"></B></div> <bR> <bR> <div> This policy provides coverage for the horse owner who is not involved in any other equine professional activity and does not operate their horse ownership as a business.  You are protected from liability arising from bodily injury or property damage caused by your horse both on and off premises.</div> <div> Note: If you are involved in a commercial equine operation such as boarding, breeding, training or instructions, you will need to purchase a Commercial Equine Liability Policy.</div> <div>  <A HREF="http://www.insurehorses.com/Personal Horse Owners Liability App 4.2001.pdf" TARGET="_top" TITLE="http://www.insurehorses.com/Personal Hor"><U><U><IMG SRC="27fd7310.jpg" border=0 width="215" height="49" ALIGN="BOTTOM" HSPACE="0" VSPACE="0"></U></U></A></div> </tD> </tR> <tR> <tD VALIGN=TOP HEIGHT= 217 WIDTH="493"><bR> <div> <IMG SRC="236082c0.jpg" border=0 width="264" height="44" ALIGN="BOTTOM" HSPACE="0" VSPACE="0"></div> <bR> <div> Vital coverage if you perform any commercial equestrian activities such as boarding, instruction, training, breeding, or horse sales.  The policy covers liability claims resulting from bodily injury or property damage to others resulting from your horse-related activities.</div> <div> <A HREF="commercial_equine_liability.htm" TARGET="_top" TITLE="Commercial Equine Liability"><U><B><U><IMG SRC="26d9d380.jpg" border=0 width="157" height="56" ALIGN="BOTTOM" HSPACE="0" VSPACE="0"></U></B></U></A></div> </tD> </tR> <tR> <tD VALIGN=TOP HEIGHT= 210 WIDTH="493"><bR> <div> <IMG SRC="238f22c0.jpg" border=0 width="498" height="44" ALIGN="BOTTOM" HSPACE="0" VSPACE="0"></div> <div> If you own or train racehorses, this policy will provide liability insurance protection for bodily injury or property damage to others caused by your equine activities.  The policy can include care, custody and control liability for non-owned horses in your care including during transportation from one racetrack to another.</div> <div> <A HREF="http://www.insurehorses.com/Race Horse CGL Application.pdf" TARGET="_top" TITLE="http://www.insurehorses.com/Race Horse C"><U><IMG SRC="27fd7310.jpg" border=0 width="215" height="49" ALIGN="BOTTOM" HSPACE="0" VSPACE="0"></U></A></div> </tD> </tR> <tR> <tD VALIGN=TOP HEIGHT= 456 WIDTH="493"><div> <IMG SRC="2392b2c0.jpg" border=0 width="299" height="44" ALIGN="BOTTOM" HSPACE="0" VSPACE="0"></div> <bR> <div> This is legal liability coverage for horses entrusted to you by their owners.  Consider this coverage if you board, train, or breed horses for others.  If one of these horses is injured or dies while in your care and you are found negligent, this policy will provide coverage for the medical care or replacement cost of the horse up to the coverage limits.  Defense costs are also covered.  Various policy limits are available on a per horse/per year basis.</div> <bR> <div> If you trailer non-owned horses, this is essential insurance.  If you are transporting a horse owned by someone else and are involved in a vehicular accident deemed to be your fault, you could be held legally responsible for the injury or death to the horse you are hauling.</div> <bR> <div> <A HREF="care_custody_control.htm" TARGET="_top" TITLE=" "><U><B><IMG SRC="26d9d380.jpg" border=0 width="157" height="56" ALIGN="BOTTOM" HSPACE="0" VSPACE="0"></B></U></A><B>  </B></div> <div> <B> </B></div> <div> To secure a policy, please fill out and fax in application.</div> <div> <B> </B><FONT SIZE="3" COLOR="#000000" FACE="helvetica" ><A HREF="http://www.insurehorses.com/CCC 4.2002.pdf" TARGET="_top" TITLE="http://www.insurehorses.com/CCC 4.2002.p"><U><B><U><IMG SRC="2a344300.jpg" border=0 width="324" height="48" ALIGN="BOTTOM" HSPACE="0" VSPACE="0"></U></B></U></A></FONT></div> </tD> </tR> <tR> <tD VALIGN=TOP HEIGHT= 355 WIDTH="493"><bR> <div> <B><U><IMG SRC="23af32c0.jpg" border=0 width="243" height="44" ALIGN="BOTTOM" HSPACE="0" VSPACE="0"></U></B></div> <bR> <div> This coverage is designed to provide liability coverage for member organizations and their public event days.  Public event days are those activities to which non-club members or the general public are invited.  The basic program provides coverage for up to seven public event days during the year with coverage for additional days available.</div> <bR> <div> <A HREF="riding_clubs___associates.htm" TARGET="_top" TITLE=" "><U><IMG SRC="26d9d380.jpg" border=0 width="157" height="56" ALIGN="BOTTOM" HSPACE="0" VSPACE="0"></U></A>    </div> <bR> <div> To secure a policy, please also fill out and fax in application.</div> <bR> <div>      <A HREF="http://www.insurehorses.com/AEIG Clubs & Associations 2.pdf" TARGET="_top" TITLE="http://www.insurehorses.com/AEIG Clubs &"><U><IMG SRC="27fd7310.jpg" border=0 width="215" height="49" ALIGN="BOTTOM" HSPACE="0" VSPACE="0"></U></A></div> </tD> </tR> <tR> <tD VALIGN=TOP HEIGHT= 338 WIDTH="493"><bR> <div> <B><U><IMG SRC="23bdb2c0.jpg" border=0 width="219" height="44" ALIGN="BOTTOM" HSPACE="0" VSPACE="0"></U></B></div> <bR> <bR> <div> Liability coverage is available for single horse shows, clinics, or equestrian events.  Coverage is provided for the actual event days and includes days for both set up and take <FONT SIZE="3" COLOR="#000000" FACE="Arial" >down.</FONT></div> <bR> <div> <A HREF="horse_shows_quote.htm" TARGET="_top" TITLE="Horse Shows Events"><U><U><IMG SRC="26d9d380.jpg" border=0 width="157" height="56" ALIGN="BOTTOM" HSPACE="0" VSPACE="0"></U></U></A></div> <bR> <div> To secure a policy, please also fill out and fax in application.</div> <bR> <div> <A HREF="http://www.insurehorses.com/AEIG Horse Show 2.pdf" TARGET="_top" TITLE="http://www.insurehorses.com/AEIG Horse S"><U><IMG SRC="27fd7310.jpg" border=0 width="215" height="49" ALIGN="BOTTOM" HSPACE="0" VSPACE="0"></U></A></div> </tD> </tR> </TABLE></div> <DIV ALIGN="LEFT"></DIV> <div> <B><U> <TABLE BORDER="2" CELLPADDING="2" CELLSPACING="1" WIDTH="263" BORDERCOLORLIGHT="#C0C0C0" BORDERCOLORDARK="#808080" FRAME="BOX" RULES="ALL" HSPACE="0" VSPACE="0" > <tR> <tD VALIGN=TOP HEIGHT= 156 ><NOBR><div> <IMG SRC="24ffa960.jpg" border=0 width="250" height="150" ALT="EXPERIENCED PROFESSIONALS IN THE BUSINESS OF INSURING ALL YOUR EQUINE NEEDS." ALIGN="BOTTOM" HSPACE="0" VSPACE="0"></div> </NOBR></tD> </tR> </TABLE></U></B></div> <bR> <div> <B><IMG SRC="16f46270.gif" border=0 width="70" height="39" ALIGN="BOTTOM" HSPACE="0" VSPACE="0"></B></div> <div> <B>Smith-Embry Insurance Associates, Inc.</B></div> <div> <B>3044 Breckenridge Lane</B></div> <div> <B>Suite LL1</B></div> <div> <B>Louisville, KY  40220-2193</B></div> <bR> <div> <B>Phone:  (502) 493-9911</B></div> <div> <B>Fax:  (502) 493-0070</B></div> <bR> <bR> <div> <B>Beverly A. Smith-Embry </B></div> <div> <B>Email:  </B><A HREF="mailto:basmith@insurehorses.com" TARGET="_top" TITLE="mailto:basmith@insurehorses.com"><U><B><U>basmith@insurehorses.com</U></B></U></A></div> <bR> <bR> <div> <B>Tamara W. Embry</B></div> <div> <B>Email:  </B><A HREF="mailto:tamara@insurehorses.com" TARGET="_top" TITLE="mailto:tamara@insurehorses.com"><U><B><U>tamara@insurehorses.com</U></B></U></A></div> <bR> <bR> </td> </tr></table></body>