Equine Services, LLC
35644 North 11th Avenue
Phoenix, AZ 85086-8704
United States Animal Health Association - The Nation's Animal Health
Forum Since 1897
of the United States Animal Health Association)
United States Animal Health Association has made progress in documenting
Vesicular Stomatitis (VS).
As of May 20th, 2005, Texas joined New Mexico and Arizona as states
with confirmed cases of VS, (vesicular stomatitis) this spring.
Colorado has also reported some cases, as well.
The highly contagious disease can cause infected animals to develop
sores and blisters in areas of soft tissues like the lips and
|VS rarely causes death but until tests
are run on each horse because the symptoms resemble the dreaded
foot-and-mouth disease, (FMD).
For more information visit the Texas Department of Agriculture’s
web site at www.tahc.state.tx.us, (it has links to the US Department
of Agriculture site for more VS information).
Tidbits From Ms. Shawna Dietrich, Equine Insurance Specialist
receiving the 2001 Trophy from Olympian, David O'Connor at the USEF's
Convention. (Courtesy USEF Photo Archives).
Horseman’s Spotlight falls, this issue, on Grand Prix jumper
rider, Mr. Todd Minikus of Loxahatchee, Florida.
The 2001 winner of the USEF Horseman of the Year, Todd has won
more than 75 Grand Prix and has ridden at the upper levels of
the show jumping since he was in his 20’s.
Personally, I met Todd in Goodyear, Arizona many years ago and
have since been very impressed with his great attitude towards
horses and the sport.
The equestrian sport
is in safe hands with professionals such as Todd.
has been noted in articles and verbalized among your friends about
commercial general liability and professional liability insurance,
also known as “errors and omissions insurance” for
horsemen. These are two distinct types of policies.
most commonly offered and purchased liability coverage for landowners,
trainers, horse owners and instructors is the “commercial
general liability policy.”
This provides coverage
for bodily injury or property damage to a third party. Typically,
there is no deductible and the coverage provides for legal defense
costs above and beyond the stated liability limit. The premium
is very reasonably priced and easily obtained through numerous
equine specialty companies.
The “professional liability policy” is a totally separate
type of insurance. This coverage will respond in the event there
is an omission or failure to act, perform a duty or service. This
coverage does have a deductible and may or may not include legal
defense costs as part of the stated liability limit. It can be
difficult to purchase because not a lot of carriers offer the
insurance to horsemen. In addition, the insurance can be quite
expensive, for the same reason.
The best approach in determining your insurance needs, would be
to call an equine-specific agent. They will be able to ask you
the appropriate questions about your business and advise you based
on your exposures, tolerance for risk taking and ability to pay
the premiums. (Ms. Dietrich can be reached at 800-942-4250 for
Sunscreen for Horse Buyers by Ms.
Gail Haskins, Esq.
Courtesy Gail Haskins, Esq.)
Summer is here and in many areas of the country, it is peak season
for horse purchasing. Just as we use sunscreen to protect ourselves
from dangers from the summer sun, there are things we should do
to protect ourselves from a number of potential pitfalls in horse
One step that horse buyers should take is to be as sure as possible
that the horse seller has proper title/ownership to the horse
and has the right to transfer it with “no strings attached.”
What are some of the ways purchasers can protect themselves?
1. Request documentation to prove that the seller or sellers have
good and exclusive title to the horse including the right to transfer
2. Registration papers are one means of at least identifying to
whom the horse is registered. Most horse recording associations
specifically state that simply having one’s name on the
registration papers is NOT proof of ownership.
3. An attorney knowledgeable in horse transactions can assist
a purchaser in investigating horse ownership by various means
other than registration papers alone.
4. The attorney can also verify if there are any legal encumbrances
on the title thereby affecting its transferability; (IE, check
for 3rd party liens, security interests or bankruptcies). Attorneys
are often in a better position to verify possible equine title
problems or restraints on transferability than a layperson.
5. Another way to protect the buyer is to have a contract drafted
to specify obligations of both parties and the specific terms
of the transaction. Such contracts can contain warranties of title
and transferability which could be very useful should problems
later be found to exist. Such contract can give the buyer a more
direct legal means to redress the alleged wrongdoing or deceptive
conduct by the horse seller than other causes of action based
on fraud, deception or misrepresentation.
Since summer is a time to appreciate the simple things, horse
buyers may be smart to take some simple but important steps to
protect their interests and peace of mind in horse purchases!
Gail Haskins can be reached at 312-332-2545 for further information.
What to Look for in an Expert by
Dave Johnson from his speech at the University of Kentucky’s 20th
Conference on Equine Law, May 2005
(Photo Courtesy NAES)
At some point in your “horsey” life you may need to
retain the services of somebody other than your horse trainer friend
down the street to help you out of a legal jam.
how do you find that “special person” who can help
charm and inform a jury about your case and, at least, be aware
of the legal aspects of lawsuits?
Your attorney must really be the one to aid in picking out the
right expert since the attorney will know just how to use the
horse expert to your best interests.
A good trainer, veterinarian, show judge and other horse pros
are the ones to consider since their background will be very well
scrutinized by the opposition.
Almost every horse case is somewhat different which requires being
a good detective in selecting just the right expert.
Gail Haskins’ article on purchasing strikes a common theme
in my observations of the horse sale business.
Nobody WANTS to have a contract before the horse sale occurs and
nobody WILL sign a contract after bad things have happened in
the buying of the horse.
I get hundreds of calls every year from folks who’ve bought
a horse that is misrepresented but have no contract to fall back
on. Even on the least expensive animal, GET A CONTRACT IN WRITING!
The attorney’s fees are well worth it when the deal goes
About Dave Johnson
started NAES more than 10 years ago with an eye to making sure
all horse owners and those interested in horses could depend on
NAES for the straight scoop on horses and prices. In addition,
Dave is one of the busiest horse activity experts in North America.
Because of his long history of working with so many breeds and
disciplines he's called upon to give his opinion in literally
hundreds of legal cases and horse appraisals.
is still an active horse show judge and, when time permits, continues
teaching at his wife's nationally known stable, Willoway Farm, Inc.,
in Phoenix, Arizona.
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