Horse breeders and stable owners should be mindful of the insurance policy and liability insurance that they have. A recent decision on the case Terry Burch et al., vs. Intact Insurance et al., highlights the need to inform brokers of all equine activities that they engage in when they purchase a policy. Additionally, if horse breeders or stable owners change their equine activities, the brokers should be informed to ensure that the activities are covered under their current policy.
Christopher Miller was a full-time farmer and horse breeder near Tomahawk, Alberta. In July 2000, he received an insurance policy from Intact Insurance. The court heard that when Miller met his broker to discuss purchasing insurance for his farm, he did not notify her of any non-farming business activities. He stated he was a full-time farmer, as a horse breeder and did not engage in any non-farming business.