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ACORD Form 408 Equine Liability Supplement Instructions

 

 
ACORD 408 (2007/09) 1 of 8
Universal wording updates to improve clarity and intent were made to all FIG text for this form on 06/12/2009.
Section Name Field Name Field and/or Section Description
TITLE ACORD 408 (2007/09) Equine Liability Supplement The title of the form. ACORD 408, Equine Liability Supplement, is used as a supplement to ACORD 404, the Agriculture Liability Section (designed as an attachment to the ACORD 401, the basic agriculture insurance application) to capture underwriting information specific to horse operations.
IDENTIFICATION SECTION Agency Customer ID Enter identifier: The customer's identification number assigned by the producer (e.g. agency or brokerage).
IDENTIFICATION SECTION Loc #: Enter number: The producer assigned number of the location.
IDENTIFICATION SECTION Date Enter date: The month/day/year on which the form is completed. (MM/DD/YYYY)
IDENTIFICATION SECTION Agency Enter text: The full name of the producer/agency.
IDENTIFICATION SECTION Applicant/First Named Insured Enter text: The named insured(s) as it/they will appear on the policy declarations page.
IDENTIFICATION SECTION Policy Number Enter identifier: The identifier assigned by the insurer to the policy, or submission, being referenced exactly as it appears on the policy, including prefix and suffix symbols. If required for self-insurance, the self-insured license or contract number.
IDENTIFICATION SECTION Company Enter text: The insurer's full legal company name(s) as found in the file copy of the policy. Use the actual name of the company within the group to which the policy has been issued. This is not the insurer's group name or trade name.
IDENTIFICATION SECTION NAIC Code Enter code: The identification code assigned to the insurer by the NAIC.
IDENTIFICATION SECTION Information Provided Applies to All Locations: (Y/N) Enter Y for a “Yes” response. Input N for “No” response. Indicates if the information provided applies to all locations. As used here, if no, enter the location number at the top of the form.
SUMMARY OF HORSE OPERATIONS Show/Pleasure/Personal Use Payroll Enter amount: The amount of annual payroll generated by this type of farm operation. As used here, this is for show, pleasure and / or personal use.
SUMMARY OF HORSE OPERATIONS Show/Pleasure/Personal Use Receipts Enter amount: The amount of annual receipts generated by this type of farm operation. As used here, this is for show, pleasure and / or personal use.
SUMMARY OF HORSE OPERATIONS Show/Pleasure/Personal Use - # of Owned Horses Enter number: The number of owned horses. As used here, this is for show, pleasure and / or personal use.
SUMMARY OF HORSE OPERATIONS Show/Pleasure/Personal Use - # of Non-Owned Horses Enter number: The number of non-owned horses. As used here, this is for show, pleasure and / or personal use.
SUMMARY OF HORSE OPERATIONS Training (Race or Show) - Payroll Enter amount: The amount of annual payroll generated by this type of farm operation. As used here, this is for training (race or show).

ACORD 408 (2007/09) 2 of 8

Section Name Field Name Field and/or Section Description
SUMMARY OF HORSE Enter amount: The amount of annual receipts generated by this type of farm operation. As
OPERATIONS Training (Race or Show) -Receipts used here, this is for training (race or show).
SUMMARY OF HORSE Training (Race or Show) - # of Enter number: The number of owned horses. As used here, this is for training (race or
OPERATIONS Owned Horses show).
SUMMARY OF HORSE Training (Race or Show) - # of Non- Enter number: The number of non-owned horses. As used here, this is for training (race
OPERATIONS Owned Horses or show).
SUMMARY OF HORSE Enter amount: The amount of annual payroll generated by this type of farm operation. As
OPERATIONS Riding Instructions - Payroll used here, this is for riding instructions.
SUMMARY OF HORSE Enter amount: The amount of annual receipts generated by this type of farm operation. As
OPERATIONS Riding Instructions - Receipts used here, this is for riding instructions.
SUMMARY OF HORSE Riding Instructions - # of Owned
OPERATIONS Horses Enter number: The number of owned horses. As used here, this is for riding instructions.
SUMMARY OF HORSE Riding Instructions - # of Non- Enter number: The number of non-owned horses. As used here, this is for riding
OPERATIONS Owned Horses instructions.
SUMMARY OF HORSE Enter amount: The amount of annual payroll generated by this type of farm operation. As
OPERATIONS Breeding - Payroll used here, this is for breeding.
SUMMARY OF HORSE Enter amount: The amount of annual receipts generated by this type of farm operation. As
OPERATIONS Breeding - Receipts used here, this is for breeding.
SUMMARY OF HORSE
OPERATIONS Breeding - # of Owned Horses Enter number: The number of owned horses. As used here, this is for breeding.
SUMMARY OF HORSE
OPERATIONS Breeding - # of Non-Owned Horses Enter number: The number of non-owned horses. As used here, this is for breeding.
SUMMARY OF HORSE Enter amount: The amount of annual payroll generated by this type of farm operation. As
OPERATIONS Boarded (Stall or Pasture) - Payroll used here, this is for boarded (stall or pasture).
SUMMARY OF HORSE Boarded (Stall or Pasture) Enter amount: The amount of annual receipts generated by this type of farm operation. As
OPERATIONS Receipts used here, this is for boarded (stall or pasture).
SUMMARY OF HORSE Boarded (Stall or Pasture) - # of Enter number: The number of owned horses. As used here, this is for boarded (stall or
OPERATIONS Owned Horses pasture).
SUMMARY OF HORSE Boarded (Stall or Pasture) - # of Enter number: The number of non-owned horses. As used here, this is for boarded (stall
OPERATIONS Non-Owned Horses or pasture).
SUMMARY OF HORSE Enter amount: The amount of annual payroll generated by this type of farm operation. As
OPERATIONS Race - Payroll used here, this is for horse racing.
SUMMARY OF HORSE Enter amount: The amount of annual receipts generated by this type of farm operation. As
OPERATIONS Race - Receipts used here, this is for horse racing.
SUMMARY OF HORSE
OPERATIONS Race - # of Owned Horses Enter number: The number of owned horses. As used here, this is for horse racing.

ACORD 408 (2007/09) 3 of 8

Section Name Field Name Field and/or Section Description
SUMMARY OF HORSE
OPERATIONS Race - # of Non-Owned Horses Enter number: The number of non-owned horses. As used here, this is for horse racing.
SUMMARY OF HORSE Enter amount: The amount of annual payroll generated by this type of farm operation. As
OPERATIONS Horse Sales - Payroll used here, this is for horse sales.
SUMMARY OF HORSE Enter amount: The amount of annual receipts generated by this type of farm operation. As
OPERATIONS Horse Sales -Receipts used here, this is for horse sales.
SUMMARY OF HORSE
OPERATIONS Horse Sales - # of Owned Horses Enter number: The number of owned horses. As used here, this is for horse sales.
SUMMARY OF HORSE Horse Sales - # of Non-Owned
OPERATIONS Horses Enter number: The number of non-owned horses. As used here, this is for horse sales.
SUMMARY OF HORSE Sale of Yearlings/Weanlings - Enter amount: The amount of annual payroll generated by this type of farm operation. As
OPERATIONS Payroll used here, this is for sale of yearlings or weanlings.
SUMMARY OF HORSE Sale of Yearlings/Weanlings Enter amount: The amount of annual receipts generated by this type of farm operation. As
OPERATIONS Receipts used here, this is for sale of yearlings or weanlings.
SUMMARY OF HORSE Sale of Yearlings/Weanlings - # of Enter number: The number of owned horses. As used here, this is for sale of yearlings or
OPERATIONS Owned Horses weanlings.
SUMMARY OF HORSE Sale of Yearlings/Weanlings - # of Enter number: The number of non-owned horses. As used here, this is for sale of
OPERATIONS Non-Owned Horses yearlings or weanlings.
SUMMARY OF HORSE Rentals/Trail Rides and/or Pony Enter amount: The amount of annual payroll generated by this type of farm operation. As
OPERATIONS Rides - Payroll used here, this is for rentals, trail rides and / or pony rides.
SUMMARY OF HORSE Rentals/Trail Rides and/or Pony Enter amount: The amount of annual receipts generated by this type of farm operation. As
OPERATIONS Rides - Receipts used here, this is for rentals, trail rides and / or pony rides.
SUMMARY OF HORSE Rentals/Trail Rides and/or Pony Enter number: The number of owned horses. As used here, this is for rentals, trail rides
OPERATIONS Rides - # of Owned Horses and / or pony rides.
SUMMARY OF HORSE Rentals/Trail Rides and/or Pony Enter number: The number of non-owned horses. As used here, this is for rentals, trail
OPERATIONS Rides - # of Non-Owned Horses rides and / or pony rides.
SUMMARY OF HORSE Enter amount: The amount of annual payroll generated by this type of farm operation. As
OPERATIONS Hay/Sleigh/Carriage Rides - Payroll used here, this is for hay, sleigh or carriage rides.
SUMMARY OF HORSE Hay/Sleigh/Carriage Rides Enter amount: The amount of annual receipts generated by this type of farm operation. As
OPERATIONS Receipts used here, this is for hay, sleigh or carriage rides.
SUMMARY OF HORSE Hay/Sleigh/Carriage Rides - # of Enter number: The number of owned horses. As used here, this is for hay, sleigh or
OPERATIONS Owned Horses carriage rides.
SUMMARY OF HORSE Hay/Sleigh/Carriage Rides - # of Enter number: The number of non-owned horses. As used here, this is for hay, sleigh or
OPERATIONS Non-Owned Horses carriage rides.
SUMMARY OF HORSE Enter amount: The amount of annual payroll generated by this type of farm operation. As
OPERATIONS Rodeos - Payroll used here, this is for rodeos.

ACORD 408 (2007/09) 4 of 8

Section Name Field Name Field and/or Section Description
SUMMARY OF HORSE Enter amount: The amount of annual receipts generated by this type of farm operation. As
OPERATIONS Rodeos - Receipts used here, this is for rodeos.
SUMMARY OF HORSE
OPERATIONS Rodeos - # of Owned Horses Enter number: The number of owned horses. As used here, this is for rodeos.
SUMMARY OF HORSE
OPERATIONS Rodeos - # of Non-Owned Horses Enter number: The number of non-owned horses. As used here, this is for rodeos.
SUMMARY OF HORSE Description of Operations - Blank
OPERATIONS Description Enter code: The code indicating the type of farm operations.
SUMMARY OF HORSE
OPERATIONS Enter text: The description of operations of the farm.
SUMMARY OF HORSE Description of Operations - Blank
OPERATIONS Payroll Enter amount: The amount of annual payroll generated by this type of farm operation.
SUMMARY OF HORSE Description of Operations -
OPERATIONS Receipts Enter amount: The amount of annual receipts generated by this type of farm operation.
SUMMARY OF HORSE Description of Operations -
OPERATIONS Number of Owned Horses Enter number: The number of owned horses.
SUMMARY OF HORSE Description of Operations -
OPERATIONS Number of Non-Owned Horses Enter number: The number of non-owned horses.
SUMMARY OF HORSE Description of Operations - Blank
OPERATIONS Description Enter code: The code indicating the type of farm operations.
SUMMARY OF HORSE
OPERATIONS Enter text: The description of operations of the farm.
SUMMARY OF HORSE Description of Operations - Blank
OPERATIONS Payroll Enter amount: The amount of annual payroll generated by this type of farm operation.
SUMMARY OF HORSE Description of Operations -
OPERATIONS Receipts Enter amount: The amount of annual receipts generated by this type of farm operation.
SUMMARY OF HORSE Description of Operations -
OPERATIONS Number of Owned Horses Enter number: The number of owned horses.
SUMMARY OF HORSE Description of Operations -
OPERATIONS Number of Non-Owned Horses Enter number: The number of non-owned horses.
SUMMARY OF HORSE Description of Operations - Blank
OPERATIONS Description Enter code: The code indicating the type of farm operations.
SUMMARY OF HORSE
OPERATIONS Enter text: The description of operations of the farm.
SUMMARY OF HORSE Description of Operations - Blank
OPERATIONS Payroll Enter amount: The amount of annual payroll generated by this type of farm operation.

ACORD 408 (2007/09) 5 of 8

Section Name Field Name Field and/or Section Description
SUMMARY OF HORSE Description of Operations -
OPERATIONS Receipts Enter amount: The amount of annual receipts generated by this type of farm operation.
SUMMARY OF HORSE Description of Operations -
OPERATIONS Number of Owned Horses Enter number: The number of owned horses.
SUMMARY OF HORSE Description of Operations -
OPERATIONS Number of Non-Owned Horses Enter number: The number of non-owned horses.
Enter text: The description of what business each applicant performs and the way it is
conducted by premises. Operations which may not be apparent in a general description
of operations may be segmented by location (e.g., location #1 is a sales office in Paris,
France, location #2 is a warehouse in Berlin, Germany). Include number of leased and
owned premises outside of the United States. The section should be completed in
enough detail to enable the underwriter to understand and classify each operation. Do not
use the classification wording from the Commercial Lines Manual or Workers
Description of All Farming or Compensation Manual. They do not provide adequate detail. Example: a manufacturer of pulley wheels used in sewing machines should be described as such and not as "Metal
RATING/UNDERWRITING Horse-Related Operations Goods Mfg. N.O.C.".
RATING/UNDERWRITING Total Stalls: Enter number: The number of stalls.
RATING/UNDERWRITING Monthly Boarding Rate : ($) Enter amount: The monthly boarding rate.
Number of Events in Which You
RATING/UNDERWRITING Participate Annualy: Enter number: The number of events in which the applicant participates in annually.
Workers' Compensation Insurance Check the box (if applicable): Indicates the applicant / named insured does not have
RATING/UNDERWRITING None (checkbox) workers compensation insurance.
Enter identifier: The identifier assigned by the insurer to the policy, or submission, being
referenced exactly as it appears on the policy, including prefix and suffix symbols. If
required for self-insurance, the self-insured license or contract number. As used here, this
RATING/UNDERWRITING Policy Number is the workers' compensation insurance policy number.
Enter text: The insurer's full legal company name(s) as found in the file copy of the policy.
Use the actual name of the company within the group to which the policy has been issued.
This is not the insurer's group name or trade name. As used here, this is the workers'
RATING/UNDERWRITING Company Name compensation insurance company name.
RATING/UNDERWRITING Pasture Fencing None (checkbox) Check the box (if applicable): Indicates that no pasture fencing exists.
Enter Y for a “Yes” response. Input N for “No” response. Indicates if all pastures are totally
RATING/UNDERWRITING Totally Fenced (Y/N) fenced.
RATING/UNDERWRITING Type of Fencing Enter text: The description of the type of fencing used.
RATING/UNDERWRITING Fence Maintaining Schedule Enter text: The description of the maintenance schedule for the pasture fencing.

ACORD 408 (2007/09) 6 of 8

Section Name Field Name Field and/or Section Description
RATING/UNDERWRITING Fence Condition Enter text: The condition of the pasture fencing.
RATING/UNDERWRITING Riding Facilities None (checkbox) Check the box (if applicable): Indicates that there are no riding facilities.
RATING/UNDERWRITING Indoor (check box) Check the box (if applicable): Indicates there are inside riding facilities.
RATING/UNDERWRITING Outdoor (checkbox) Check the box (if applicable): Indicates there are outdoor riding facilities.
RATING/UNDERWRITING Open Fields (checkbox) Check the box (if applicable): Indicates the riding facilities include open fields.
RATING/UNDERWRITING Trails (checkbox) Check the box (if applicable): Indicates the riding facilities include trails.
RATING/UNDERWRITING Riding Instruction None (checkbox) Check the box (if applicable): Indicates that no riding instruction is provided.
RATING/UNDERWRITING Annual Student Count Enter number: The number of students provided instruction annually.
RATING/UNDERWRITING Annual Receipts ($) Enter amount: The amount of annual receipts generated by the riding instruction operation.
RATING/UNDERWRITING # of Horses Used at One Time Enter number: The number of horses used for riding instruction at one time.
RATING/UNDERWRITING Horse Sales - Annual Count of Horses Sold Enter number: The number of horses sold annually.
RATING/UNDERWRITING Horse Sales - Breeds Sold Enter text: The breed names of the horses sold.
RATING/UNDERWRITING Annual Public Events Conducted / Sponsored-# Events Enter number: The number of public events conducted or sponsored annually.
RATING/UNDERWRITING Exposure Location - On Premises (checkbox) Check the box (if applicable): Indicates that events are held on premises.
RATING/UNDERWRITING Exposure Location - Off Premises (checkbox) Check the box (if applicable): Indicates that events are held off premises.
RATING/UNDERWRITING Counts - Participants : Enter number: The number of participants.
RATING/UNDERWRITING Counts - Spectators: Enter number: The number of spectators.
RATING/UNDERWRITING Are Releases Secured From All Entrants: (Y/N) Enter Y for a “Yes” response. Input N for “No” response. Indicates if signed releases secured from all participants.
RATING/UNDERWRITING Tack Sales - None Check the box (if applicable): Indicates there are no tack sales.
RATING/UNDERWRITING Annual Receipts ($) Enter amount: The amount of annual receipts generated by the tack sales operation.
RATING/UNDERWRITING Items Sold Enter text: The description of tack items sold.
GENERAL INFORMATION 1. Do you conduct or sponsor any horse events on premises such as shows or rodeos? Enter Y for a “Yes” response. Input N for “No” response. Indicates the response to the question, "Do you conduct or sponsor any horse events on premises such as shows or rodeos?".
GENERAL INFORMATION Remarks Enter text: An explanation of a response to a general information or underwriting question. Normally, "Yes" responses require an explanation.

ACORD 408 (2007/09) 7 of 8

Section Name Field Name Field and/or Section Description
GENERAL INFORMATION 2. Are signed releases obtained? Enter Y for a “Yes” response. Input N for “No” response. Indicates the response to the question, "Are signed releases obtained?". As used here, applies to various activities including but not limited to training, test rides, hay rides, etc.
GENERAL INFORMATION Remarks Enter text: An explanation of a response to a general information or underwriting question. Normally, "Yes" responses require an explanation.
GENERAL INFORMATION 3. Do you post rules and/or warning signs? Enter Y for a “Yes” response. Input N for “No” response. Indicates the response to the question, "Do you post rules and/or warning signs?".
GENERAL INFORMATION Remarks Enter text: An explanation of a response to a general information or underwriting question. Normally, "Yes" responses require an explanation.
IDENTIFICATION SECTION Agency Customer ID Enter identifier: The customer's identification number assigned by the producer (e.g. agency or brokerage).
IDENTIFICATION SECTION Loc #: Enter number: The producer assigned number of the location.
GENERAL INFORMATION 4. Is any safety program in existence? Enter Y for a “Yes” response. Input N for “No” response. Indicates the response to the question, "Is there a formal safety program in existence?".
GENERAL INFORMATION Remarks Enter text: An explanation of a response to a general information or underwriting question. Normally, "Yes" responses require an explanation. As used here, if yes, describe program and attach any relevant information.
GENERAL INFORMATION 5. Do independent trainers or instructors operate on your premises? Enter Y for a “Yes” response. Input N for “No” response. Indicates the response to the question, "Do independent trainers or instructors operate on your premises?".
GENERAL INFORMATION Remarks Enter text: An explanation of a response to a general information or underwriting question. Normally, "Yes" responses require an explanation. As used here, if yes, enter the number of independent trainers.
GENERAL INFORMATION 5.a. Do they carry their own insurance? Enter Y for a “Yes” response. Input N for “No” response. Indicates the response to the question, "Do they carry their own insurance?".
GENERAL INFORMATION Remarks Enter text: An explanation of a response to a general information or underwriting question. Normally, "Yes" responses require an explanation.
GENERAL INFORMATION 5.b. Are you named an an additional insured on their policy? Enter Y for a “Yes” response. Input N for “No” response. Indicates the response to the question, "Are you named an additional insured on their policy?". As used here, if yes, provide a copy of the certificate of insurance obtained.
GENERAL INFORMATION Remarks Enter text: An explanation of a response to a general information or underwriting question. Normally, "Yes" responses require an explanation.
GENERAL INFORMATION 6. Is buyer allowed to test ride? Enter Y for a “Yes” response. Input N for “No” response. Indicates the response to the question, "Is buyer allowed to test ride?".
Section Name Field Name Field and/or Section Description
GENERAL INFORMATION 6. Is buyer allowed to test ride in an arena? Enter Y for a “Yes” response. Input N for “No” response. Indicates the response to the question, "Is buyer allowed to test ride in an arena?".
GENERAL INFORMATION Remarks Enter text: An explanation of a response to a general information or underwriting question. Normally, "Yes" responses require an explanation.
GENERAL INFORMATION 6. Is buyer allowed to test ride in an open field? Enter Y for a “Yes” response. Input N for “No” response. Indicates the response to the question, "Is buyer allowed to test ride in an open field?".
GENERAL INFORMATION Remarks Enter text: An explanation of a response to a general information or underwriting question. Normally, "Yes" responses require an explanation.
GENERAL INFORMATION 7. Do you sell from premises other than your own? Enter Y for a “Yes” response. Input N for “No” response. Indicates the response to the question, "Do you sell from premises other than your own?".
GENERAL INFORMATION Remarks Enter text: An explanation of a response to a general information or underwriting question. Normally, "Yes" responses require an explanation.
GENERAL INFORMATION 8. Do you repair riding equipment for others? Enter Y for a “Yes” response. Input N for “No” response. Indicates the response to the question, "Do you repair riding equipment for others?".
GENERAL INFORMATION Remarks Enter text: An explanation of a response to a general information or underwriting question. Normally, "Yes" responses require an explanation.
GENERAL INFORMATION 9. Do you provide riding for the handicapped? Enter Y for a “Yes” response. Input N for “No” response. Indicates the response to the question, "Do you provide riding for the handicapped?".
GENERAL INFORMATION Remarks Enter text: An explanation of a response to a general information or underwriting question. Normally, "Yes" responses require an explanation.
GENERAL INFORMATION 10. Do you transport horses for others? Enter Y for a “Yes” response. Input N for “No” response. Indicates the response to the question, "Do you transport horses for others?".
GENERAL INFORMATION Remarks Enter text: An explanation of a response to a general information or underwriting question. Normally, "Yes" responses require an explanation.
REMARKS Remarks Enter text: The general remarks associated with the farm policy. Use this section to provide any additional information required for underwriting or rating. Attach additional sheets if more space is required.
Edition Date The edition identifier of the form including the form number and edition (the date is typically formatted YYYY/MM).

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