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Kentucky Horse Council Offers $1 Million Personal Liability Policy to Membership

Lexington, Ky. - The Kentucky Horse Council (KHC), a statewide association for all horse owners and enthusiasts, now provides a $1 Million Excess Personal Liability Insurance Policy for all of its individual and family members.  Effective January 1, 2007, the policy will cover any legal judgments that result from injury or damage caused by the member's horse to others, provided the injury or damage is not due to gross negligence. 

"As we all know, although perhaps hate to admit, all horse activities have a level of risk just due to the nature of the animal.  Even the calmest horse can cause injury accidentally if, for example, it gets out of its pasture and causes a vehicle accident.  In today's litigious society, we all need to protect ourselves and our families from crippling legal judgments.  A policy such as this enables the equestrian to enjoy his horse knowing he is protected", says Madelyn Millard, President of the Kentucky Horse Council.

Ginny Grulke, Executive Director of KHC, adds, "The low cost of this insurance policy is possible through the grouping of horsemen across the country whose overall risk is low.  Everyone who owns a horse should consider this coverage as a necessity of horse ownership to protect themselves, their horses, and their financial well being."

The premium for the policy is included in the KHC annual membership fee, which is $35.00 (individual) or $50 (family).  The policy will cover up to $1 Million coverage per incident for all members, including family members with a family membership.  Note that this policy is not applicable to those who run a business involving horses, but covers those horses owned by individuals. 

To find out more information about the Kentucky Horse Council and its membership, please call (859) 367-0509 (or toll free (800) 459-4677), e-mail, or visit

ABOUT THE KENTUCKY HORSE COUNCIL - The Kentucky Horse Council is the result of a grassroots effort to combine the voices and interests of all horsemen, in order for horsemen to band together in support of all horse breeds and all disciplines in the state of Kentucky. The Kentucky Horse Council provides educational programs, grants, scholarships, personal liability insurance, trail riding programs, an annual statewide equine industry directory and opportunities for networking with other horsemen across the state of Kentucky.

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