New England Harness Racing
at Plainridge Park in Plainville, Massachusetts

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P.O. Box 1811, Plainville, MA 02762

Third Party Liability Insurance Program


Active HHANE memberships are automatically enrolled in the Third Party Liability Insurance Program through our affiliation with the HHI (Harness Horsemen International). Below is a brief summary of the coverage portions of this policy.

This summary is not meant in any way to be a concise listing of what is/is not included or excluded in the policy. Please refer to the actual policy for full information.

Coverage summary:

  • This is a third party general liability insurance policy and considered a secondary policy - it only applies when you do not have another policy or your primary policy has reached its limit.
  • Coverage maximum is 20 horses - if you own more you need your own policy.
  • 24 hour protection provided for all HHANE members in good standing at any location where racing or training is conducted in the U.S./Canada. The general intent is to provide protection against claims alleging bodily injury or property damage caused by a member’s standardbred in connection with his standardbred horse-related business. Amounts: $1,000,000 occurrence/$5,000,000 aggregate
  • Does not apply to bodily injury, property damage, or any liability sustained by someone participating in a horse race or while anywhere on a racetrack. Note: no coverage when there is applicable Worker Compensation insurance.
  • Does not include suit brought by a horse owner against a member for damages to a horse in the member’s care, custody, and control.
  • Inland Marine/Animal Mortality - only tracks/training centers/fair grounds specifically listed in the policy are covered. Amounts: up to $15,000 for a horse racing, up to $5,000 for a horse in training, and up to $3,000 per horse for tack (with a maximum of $10,000 tack coverage for any one owner). The intent is to provide coverage for  a catastrophic event (fire, etc.). If a horse dies a claim, with vet proof, must be submitted within 30 days.


Please click the buttons at right to review the policy or download forms should it be necessary for you to file a claim.