Frequently Asked Questions

What’s on your mind?

What is OHC?

OHC, or the Ohio Horseman’s Council is the largest equine volunteer organization in the State of Ohio. OHC has more than 4,000 members throughout the state based in county chapters and is open to all breed of equine, discipline of riding and age of rider. The slogan, “Horsemen helping Horsemen” represents commitment to Ohio’s equine industry. Your membership fee goes direct to Ohio Horseman’s Council and supports your right to equine ownership, recreational use of public land, and education.

There are no paid positions within the organization.  All officers at state and county level are volunteers.  OHC is a 501C4 non profit and revenue is generated through annual memerships.

  • OHC advocates for public land use and members work with land managers to volunteer and maintain bridle trails throughout the state.
  • Keep Ohio’s trails free to ride.
  • Meet and ride with others who share your equine enthusiasm.
  • Access to competitively-priced equine liability insurance from Equisure.
  • Educational programs sponsored by county chapters such as desensitizing your horse, saddle fit, trailer loading, camping basics and more.
  • Discounts from national retailers for your farm, business or personal use such as John Deere, Office Max/Office Depot, UPS and others.
  • Complimentary subscription to the Horsemen’s Corral monthly magazine.

What is primary and secondary membership status?

When you join OHC, you can join a chapter as a ‘primary’ member which means you have voting rights within that chapter, access to purchase equine liability insurance and the chapter is your primary source of information.

When you join as a ‘secondary’ member, you are joining a second chapter as a member but you may or may not have voting rights, depending on the chapter’s bylaws.  Generally, the fee to join as a secondary member is either $3 or $5 depending if you are joining as an individual or family.  You must be a primary member of a chapter to be a secondary member of another chapter.  Many OHC members join multiple chapters as secondary members to support that chapter in their goals and events.

Under ‘Find Chapter’ you can locate the chapter you want to join as a primary member and in the same location you can find the chapter you want to join as a secondary member to find that chapter’s secondary membership application form.

What is the Equine Liability Insurance?

Here’s a list of FAQ’s about the insurance:

THIS INSURANCE IS EXCESS AND NOT INTENDED TO BE YOUR PRIMARY
EQUESTRIAN LIABILITY COVERAGE.
Q:  When does my personal excess insurance start and end?

A:  The coverage starts when your membership is approved and the premium is paid to Equisure. Coverage ends 12:01am on December 31st of every calendar year.

Q:  If my membership starts in June, when will my insurance coverage start?

A:  Your insurance will also start the month you purchase your membership. For example, you will have coverage for approximately 6 months if you joined in June and coverage for 12 months if you joined in January. In both cases the coverage will end 12:01 am on December 31st.

Q:  How can I get a copy of the Master Policy?

A:  You should contact Equisure directly with proof of your membership and request a copy of the Master Policy or email your request to diane@equisure-inc.com. The Master Policy may not be posted on any websites or reproduced without prior written consent from the management of Equisure.

Q:  Do members get anything showing proof of coverage?

A:  Yes. Association Resource Group who provides Equisure insurances will provide certificates of Insurance (a brief summary of coverages, conditions and exclusions), these may be distributed only to members. Like the Master Policy, the Certificate of Insurance may not to be posted on websites or reproduced in any fashion without written consent from Equisure.

Q: How would this insurance apply if I have homeowners insurance?

A:  This policy is excess over any other valid and collectible underlying insurance. If you have underlying insurance, such as homeowners insurance, this policy is excess over that insurance. If you have no other underlying insurance this policy would become primary.

Q:  I am a trainer and run a horse breeding operation, does this insurance provide
coverage for my business?

A:  No. Coverage for equestrian businesses and business related
activities are excluded from the personal excess policy. Please contact Equisure for more
information or to purchase Professional and General Liability insurance for your equine
training activity and/or any other equine business operation.

Q:  If my horse is boarded away from my residence, would this policy provide
coverage?

A:  Yes, on an excess basis, any other equestrian insurance is primary. This policy
provides coverage for equine related incidences away from your residence for which you are personally liable or negligent.

Q:  If I lend my horse to someone to ride, how would coverage apply? This policy would
be excess but you would have coverage for bodily injury and/or property damage to a third party for an equine related incident for which you are held legally liable.
Is my horse covered if it dies?

A:  No. This policy does not provide animal mortality coverage for horses you own.Equine Mortality/Major Medical Insurance can be purchased by calling Equisure (800-752-2472) or emailwww.equisure-inc.com.

Q:  How are the individual and family categories defined?

A:  Family Membership: “Family Member” includes “you”, your resident spouse or partner and your children under 18 years of age. Individual Membership: If you have purchased an individual membership of Association Resource Group or its Affiliate Organization, the General Aggregate limit is the most we will pay for the sum of all damages claimed against you.

Q:  I fell off my horse and broke my arm, would this policy provide coverage for
this? N

A:  No, not under the Personal Excess Policy. This is not a medical insurance policy. You
would have to have your own health or accident insurance.

Q:  What limits are provided by this policy?

A:  The coverage limit provided under this policy is a per household limit and is shared by all member of the same residence.  $1,000,000 aggregate limit ~ $1,000,000 per occurrence limit

Q:  Can I increase the limits provided by this policy?

A: No.

Q:  Can I add an additional insured to this policy?

A:  This policy provides personal excess liability insurance for you. It does not allow for the addition of additional insureds. If your barn has questions about the insurance provided, please fax or phone Equisure.

Q:  What should I do if I think I have a claim?

A:  1. Write down all the details about the incident while they are fresh in your mind. 2. Get the names and phone numbers for any witness(es). 3. Do not admit fault or make any monetary payment. 4. Contact Equisure at 800-752-2472.

For any additional questions please contact Equisure, Inc.
Phone 800-752-2472 or Fax 303-614-6967
Email: diane@equisure-inc.com
Visit us on the web at www.equisure-inc.com

What are the Membership Types and Fees?

Membership Information

Membership in Ohio Horseman’s Council is effective on an annual basis from January 1 to December 31. To become a member, apply and pay online. You can apply as an individual, family, youth or association. Generally, members are part of a local, Ohio county chapter, but if you would rather support OHC without chapter affiliation, or you are a business or a non-Ohio resident, you can select “At Large” vs a county chapter.

If you’d rather print an application and mail your check, use the membership application for the chapter you want to join. Go to ‘Find Chapter’ to locate your county chapter.  Print the appropriate membership application form and mail your check to the treasurer listed on the form.

Membership categories and fees:

  • Individual membership is open to any person age eighteen (18) or older. An active individual member shall be entitled to one (1) vote and may hold office if eligible under Article
  • Family membership is open to spouses or domestic partners, at least one of whom is age eighteen (18) or older, and their dependents. Dependent means that the spouse(s) or domestic partner(s) contribute greater than fifty percent (50%) of the dependent’s support. Family members must physically reside in the same household. Active family members, age eighteen (18) or older, shall each be entitled to one (1) vote, with a maximum of two (2) votes per family, and each may hold office if eligible under Article V. Family members under the age of eighteen (18) may not vote nor hold
  • Youth membership is open to any person under the age of eighteen (18) as of January 1. Youth members must be sponsored by an adult member, with written permission of their parent or guardian. Youth members are not permitted to vote or to hold
  • Associate membership is open to any group or individual desiring to support OHC. Associate members must be affiliated with and sponsored by a county chapter. Associate members are not permitted to vote or to hold office.
  • Any member may be a Member at Large if he or she does not claim a county chapter affiliation. An active member at large shall have the benefits, voting and office holding rights of an individual, family, youth or lifetime member, whichever is A member at large may not claim a chapter affiliation for the entire membership year.

–  OHC Basic Membership (does not include Equine Excess Liability Insurance)

$20 – Individual (age 18 or older, no dependents)

$10 – Youth (under age 18, parental/guardian signature required)

$30 – Family (with spouse/partner/other and/or dependents)

–  OHC Plus Membership (includes Equine Excess Liability Insurance)

$40 – Individual (age 18 or older, no dependents)

$70 – Family (with spouse/partner/other and/or dependents)

–  Associate Membership (does not allow Equine Excess Liability Insurance)

$35 – Group (provide name of group and primary contact person)

 

Note: Some county chapters charge a small fee and it will appear in the form when you apply.

Note:  In addition to joining a chapter as a primary member, you can join other chapters as a ‘secondary’ member at a cost of either $3 for an individual or $5 for a family.  Find the chapter you want to join as a seondary member, print the form and send it to the chapter’s treasurer.

Do I have to be a member of OHC to ride the trails in Ohio?

You do not have to be a member, however, since OHC volunteers and other trail partners work diligently to keep trails cleared for riding, your membership fee would help to keep trails open and accessible to everyone who trail rides.

How can I become a member?

Go to ‘Find Chapter’ from the top of the home page to determine the county chapter you want to join.  If you do not want to join a chapter, you can join ‘At Large’.

There are THREE ways to join or renew:

1)  Join or renew online.  It takes less than 5 minutes and is easy, safe and secure.  Select the online option (Renew/Join) in the upper right corner of the page and pay with credit card via paypal.  2)  If you don’t want to have a financial transaction online, just fill out the forms online but pass your check or cash to the chapter treasurer for the chapter where you are renewing or joining.  3)  Contact the chapter’s treasurer and request a form or download a form from the chapter page.  Fill it out and send it in!

Does OHC support other equine activities other than trail riding?

Although OHC is well known for trails, the organization supports all equine owners no matter breed of equine, age of rider or discipline of riding.  OHC routinely supports local county events such as shows, competitions, educational seminars, enrichment activities, 4H and more.

Where are the documents and forms from the old website?

At the top of the page, in a green bar, you’ll see “Documents”.  Select this and you can find a document based on your role within OHC.  For example, if you want the forms for tracking trail mileage ridden or trail work hours, you’ll find it under “All OHC members”.  You can download and print the documents.