Page 13 - The Game July 2006

Your Thoroughbred Racing Community Newspaper The Game, July 2006 13
BFL Canada has developed a new Equestrian Farm Insurance product issued through American Home Assurance Company.
Over the last two years those owning or renting horse farms have experienced substantial rate increases while coverages have been reduced. This is partly due to the insurance industry not understanding the needs of the horse community, and insurers getting out of niche products and back to their core business.
BFL's experienced Equine staff has worked hard over this period to develop an affordable solution to this problem. Now BFL introduces an improved comprehensive policy that should also save the Equestrian Community money!
While most insurance companies provide two policies covering Property and Liability, BFL's Farm Package combines both coverages into a single policy. No more confusion with two expiry dates. Consolidating both policies into one reduces cost by providing membership and policy discounts to both portions of the package. Member Discounts are available to various associations including Equine Canada, Manitoba Horse Council, CTHS, NEA, and Appaloosa Club of Canada.
The property section of BFL's Farm Package provides All Risk Coverage for your home, barns, and other buildings. While most "broad form" policies exclude losses, such as, collapse from ice and snow load, this is now included under the All Risk package. Replacement Cost Coverage is also automatically extended to personal possessions, equipment, tack, etc.
Under the Comprehensive Farm Liability Insurance, coverage includes extensions that would normally come at an additional cost such as:
• Commercial use of land and buildings
• Ownership and showing of horses
• Pond and/or Pool
• Bodily injury is extended to
include participants
• Incidental boarding of
horses
• Stableman's Liability
• Limited Pollution Liability
BFL Canada has a guarantee. If you are not satisfied with your policy or service within 15 days, you can return your policy and your premium will be returned.
BFL also has a 24 hour Emergency Claim Service. Their claims department is committed to providing you with the best service and they are available to you when you need them the most.
Contact BFL Canada at 416-599-5530 or 1-800-668-5901
and one of our Equine Brokers would be more than happy to assist you. We will quote for most brokers, as well.
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