Regional club liability insurance program

The Appaloosa Horse Club (ApHC) is pleased to announce its collaboration with Star H Equine Insurance to create the ApHC Regional Club Liability Insurance Program.

This new liability insurance program for ApHC Regional Clubs provides spectator liability coverage for all a regional club’s equine events on an annual basis, with limits of $1 million per Claim with $2 million Aggregate. The Aggregate limit means that a regional club could have two $1 million Claims made against it in any one policy year and still be covered.

The coverage protects your regional club, its officers, board members, directors and volunteers in the event that an individual club member or volunteer should be individually named in a claim or lawsuit. Other individuals or entities, such as the facility owner and the ApHC, can be added as Additional Insured at no additional premium charge. In the event of a lawsuit, the policy pays all legal costs in addition to the $1 million limit per claim.

The annual minimum premium for this coverage is $400, which covers up to five (5) equine event days. Activities such as board and membership meetings, annual banquets and trade booths will be covered at no additional costs. For regional clubs located in Florida, the minimum premium is $500, but will give you up to seven (7) equine event days.

Star H Equine Insurance was started by Butch and Lucinda (McIver) Human and is an insurance agency devoted solely to serving the insurance needs of the equine industry. Star H Equine Insurance has two offices to serve you: North Carolina office, P.O. Box 2250, Advance, NC 27006 (336) 940-5455, toll-free at (877) 827-4480, by fax 336-940-5475 or e-mail or Texas office at P.O. Box 640, Tioga, TX 76271 (940) 437-9500, toll-free at (877) 437-0300, by fax (940) 437-9504 or e-mail Star H Equine Insurance is available on line at


  1. Jim Evans Said,

    March 4, 2010 @ 10:42 pm

    Cannot this be used for the ApHC rides?

  2. Steve Said,

    March 6, 2010 @ 10:31 am

    The coverage can be purchased by a regional club or individual for shows, trail rides, etc.

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