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Hero 06-25-2013 11:08 AM

Another new guy
 
Hi all, I was just put in charge of equine insurance at my company. I thought this would be a good place to learn about horses. Thanks in advance for your tips!

tinyliny 06-25-2013 01:45 PM

Welcome! I don't know much about equine insurance. Do you do actuary studies and all to create the premium rates?
is it for injury or only for death. and is it based on the horse's value on the open market?

Hero 06-25-2013 04:50 PM

We cover both death and injury. It's based on the total insured value of the horse, which may be more or less than its value on the open market. The actuarial studies that have been done have been woefully inadequate, since we only consider the breed of the horse and its use (racing, show, etc) when we compute premium. Clearly we should take a lot of other things into account, like the horse's medical history and whether its ancestors had any serious conditions.

SouthernTrails 06-25-2013 04:52 PM

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Welcome to The Horse Forum


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HorseLovinLady 06-26-2013 12:32 AM

Welcome!!

Country Woman 07-03-2013 01:35 AM

Welcome Hero
nice to meet you


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