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ACORD 408 (2007/09) 1 of 8
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Universal wording updates to improve clarity and intent were made to all FIG text for this form on 06/12/2009. |
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Section Name |
Field Name |
Field and/or Section Description |
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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. |
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IDENTIFICATION SECTION |
Agency Customer ID |
Enter identifier: The customer's identification number assigned by the producer (e.g. agency or brokerage). |
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IDENTIFICATION SECTION |
Loc #: |
Enter number: The producer assigned number of the location. |
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IDENTIFICATION SECTION |
Date |
Enter date: The month/day/year on which the form is completed. (MM/DD/YYYY) |
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IDENTIFICATION SECTION |
Agency |
Enter text: The full name of the producer/agency. |
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IDENTIFICATION SECTION |
Applicant/First Named Insured |
Enter text: The named insured(s) as it/they will appear on the policy declarations page. |
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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. |
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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. |
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IDENTIFICATION SECTION |
NAIC Code |
Enter code: The identification code assigned to the insurer by the NAIC. |
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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. |
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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. |
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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. |
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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. |
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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. |
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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
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Section Name |
Field Name |
Field and/or Section Description |
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SUMMARY OF HORSE |
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Enter amount: The amount of annual receipts generated by this type of farm operation. As |
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OPERATIONS |
Training (Race or Show) -Receipts |
used here, this is for training (race or show). |
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SUMMARY OF HORSE |
Training (Race or Show) - # of |
Enter number: The number of owned horses. As used here, this is for training (race or |
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OPERATIONS |
Owned Horses |
show). |
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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 |
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OPERATIONS |
Owned Horses |
or show). |
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SUMMARY OF HORSE |
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Enter amount: The amount of annual payroll generated by this type of farm operation. As |
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OPERATIONS |
Riding Instructions - Payroll |
used here, this is for riding instructions. |
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SUMMARY OF HORSE |
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Enter amount: The amount of annual receipts generated by this type of farm operation. As |
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OPERATIONS |
Riding Instructions - Receipts |
used here, this is for riding instructions. |
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SUMMARY OF HORSE |
Riding Instructions - # of Owned |
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OPERATIONS |
Horses |
Enter number: The number of owned horses. As used here, this is for riding instructions. |
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SUMMARY OF HORSE |
Riding Instructions - # of Non- |
Enter number: The number of non-owned horses. As used here, this is for riding |
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OPERATIONS |
Owned Horses |
instructions. |
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SUMMARY OF HORSE |
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Enter amount: The amount of annual payroll generated by this type of farm operation. As |
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OPERATIONS |
Breeding - Payroll |
used here, this is for breeding. |
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SUMMARY OF HORSE |
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Enter amount: The amount of annual receipts generated by this type of farm operation. As |
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OPERATIONS |
Breeding - Receipts |
used here, this is for breeding. |
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SUMMARY OF HORSE |
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OPERATIONS |
Breeding - # of Owned Horses |
Enter number: The number of owned horses. As used here, this is for breeding. |
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SUMMARY OF HORSE |
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OPERATIONS |
Breeding - # of Non-Owned Horses |
Enter number: The number of non-owned horses. As used here, this is for breeding. |
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SUMMARY OF HORSE |
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Enter amount: The amount of annual payroll generated by this type of farm operation. As |
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OPERATIONS |
Boarded (Stall or Pasture) - Payroll |
used here, this is for boarded (stall or pasture). |
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SUMMARY OF HORSE |
Boarded (Stall or Pasture) |
Enter amount: The amount of annual receipts generated by this type of farm operation. As |
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OPERATIONS |
Receipts |
used here, this is for boarded (stall or pasture). |
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SUMMARY OF HORSE |
Boarded (Stall or Pasture) - # of |
Enter number: The number of owned horses. As used here, this is for boarded (stall or |
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OPERATIONS |
Owned Horses |
pasture). |
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SUMMARY OF HORSE |
Boarded (Stall or Pasture) - # of |
Enter number: The number of non-owned horses. As used here, this is for boarded (stall |
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OPERATIONS |
Non-Owned Horses |
or pasture). |
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SUMMARY OF HORSE |
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Enter amount: The amount of annual payroll generated by this type of farm operation. As |
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OPERATIONS |
Race - Payroll |
used here, this is for horse racing. |
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SUMMARY OF HORSE |
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Enter amount: The amount of annual receipts generated by this type of farm operation. As |
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OPERATIONS |
Race - Receipts |
used here, this is for horse racing. |
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SUMMARY OF HORSE |
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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
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Section Name |
Field Name |
Field and/or Section Description |
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SUMMARY OF HORSE |
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OPERATIONS |
Race - # of Non-Owned Horses |
Enter number: The number of non-owned horses. As used here, this is for horse racing. |
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SUMMARY OF HORSE |
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Enter amount: The amount of annual payroll generated by this type of farm operation. As |
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OPERATIONS |
Horse Sales - Payroll |
used here, this is for horse sales. |
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SUMMARY OF HORSE |
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Enter amount: The amount of annual receipts generated by this type of farm operation. As |
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OPERATIONS |
Horse Sales -Receipts |
used here, this is for horse sales. |
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SUMMARY OF HORSE |
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OPERATIONS |
Horse Sales - # of Owned Horses |
Enter number: The number of owned horses. As used here, this is for horse sales. |
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SUMMARY OF HORSE |
Horse Sales - # of Non-Owned |
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OPERATIONS |
Horses |
Enter number: The number of non-owned horses. As used here, this is for horse sales. |
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SUMMARY OF HORSE |
Sale of Yearlings/Weanlings - |
Enter amount: The amount of annual payroll generated by this type of farm operation. As |
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OPERATIONS |
Payroll |
used here, this is for sale of yearlings or weanlings. |
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SUMMARY OF HORSE |
Sale of Yearlings/Weanlings |
Enter amount: The amount of annual receipts generated by this type of farm operation. As |
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OPERATIONS |
Receipts |
used here, this is for sale of yearlings or weanlings. |
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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 |
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OPERATIONS |
Owned Horses |
weanlings. |
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SUMMARY OF HORSE |
Sale of Yearlings/Weanlings - # of |
Enter number: The number of non-owned horses. As used here, this is for sale of |
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OPERATIONS |
Non-Owned Horses |
yearlings or weanlings. |
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SUMMARY OF HORSE |
Rentals/Trail Rides and/or Pony |
Enter amount: The amount of annual payroll generated by this type of farm operation. As |
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OPERATIONS |
Rides - Payroll |
used here, this is for rentals, trail rides and / or pony rides. |
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SUMMARY OF HORSE |
Rentals/Trail Rides and/or Pony |
Enter amount: The amount of annual receipts generated by this type of farm operation. As |
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OPERATIONS |
Rides - Receipts |
used here, this is for rentals, trail rides and / or pony rides. |
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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 |
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OPERATIONS |
Rides - # of Owned Horses |
and / or pony rides. |
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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 |
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OPERATIONS |
Rides - # of Non-Owned Horses |
rides and / or pony rides. |
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SUMMARY OF HORSE |
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Enter amount: The amount of annual payroll generated by this type of farm operation. As |
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OPERATIONS |
Hay/Sleigh/Carriage Rides - Payroll |
used here, this is for hay, sleigh or carriage rides. |
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SUMMARY OF HORSE |
Hay/Sleigh/Carriage Rides |
Enter amount: The amount of annual receipts generated by this type of farm operation. As |
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OPERATIONS |
Receipts |
used here, this is for hay, sleigh or carriage rides. |
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SUMMARY OF HORSE |
Hay/Sleigh/Carriage Rides - # of |
Enter number: The number of owned horses. As used here, this is for hay, sleigh or |
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OPERATIONS |
Owned Horses |
carriage rides. |
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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 |
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OPERATIONS |
Non-Owned Horses |
carriage rides. |
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SUMMARY OF HORSE |
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Enter amount: The amount of annual payroll generated by this type of farm operation. As |
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OPERATIONS |
Rodeos - Payroll |
used here, this is for rodeos. |
ACORD 408 (2007/09) 4 of 8
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Section Name |
Field Name |
Field and/or Section Description |
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SUMMARY OF HORSE |
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Enter amount: The amount of annual receipts generated by this type of farm operation. As |
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OPERATIONS |
Rodeos - Receipts |
used here, this is for rodeos. |
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SUMMARY OF HORSE |
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OPERATIONS |
Rodeos - # of Owned Horses |
Enter number: The number of owned horses. As used here, this is for rodeos. |
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SUMMARY OF HORSE |
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OPERATIONS |
Rodeos - # of Non-Owned Horses |
Enter number: The number of non-owned horses. As used here, this is for rodeos. |
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SUMMARY OF HORSE |
Description of Operations - Blank |
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OPERATIONS |
Description |
Enter code: The code indicating the type of farm operations. |
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SUMMARY OF HORSE |
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OPERATIONS |
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Enter text: The description of operations of the farm. |
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SUMMARY OF HORSE |
Description of Operations - Blank |
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OPERATIONS |
Payroll |
Enter amount: The amount of annual payroll generated by this type of farm operation. |
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SUMMARY OF HORSE |
Description of Operations - |
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OPERATIONS |
Receipts |
Enter amount: The amount of annual receipts generated by this type of farm operation. |
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SUMMARY OF HORSE |
Description of Operations - |
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OPERATIONS |
Number of Owned Horses |
Enter number: The number of owned horses. |
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SUMMARY OF HORSE |
Description of Operations - |
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OPERATIONS |
Number of Non-Owned Horses |
Enter number: The number of non-owned horses. |
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SUMMARY OF HORSE |
Description of Operations - Blank |
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OPERATIONS |
Description |
Enter code: The code indicating the type of farm operations. |
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SUMMARY OF HORSE |
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OPERATIONS |
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Enter text: The description of operations of the farm. |
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SUMMARY OF HORSE |
Description of Operations - Blank |
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OPERATIONS |
Payroll |
Enter amount: The amount of annual payroll generated by this type of farm operation. |
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SUMMARY OF HORSE |
Description of Operations - |
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OPERATIONS |
Receipts |
Enter amount: The amount of annual receipts generated by this type of farm operation. |
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SUMMARY OF HORSE |
Description of Operations - |
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OPERATIONS |
Number of Owned Horses |
Enter number: The number of owned horses. |
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SUMMARY OF HORSE |
Description of Operations - |
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OPERATIONS |
Number of Non-Owned Horses |
Enter number: The number of non-owned horses. |
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SUMMARY OF HORSE |
Description of Operations - Blank |
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OPERATIONS |
Description |
Enter code: The code indicating the type of farm operations. |
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SUMMARY OF HORSE |
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OPERATIONS |
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Enter text: The description of operations of the farm. |
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SUMMARY OF HORSE |
Description of Operations - Blank |
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OPERATIONS |
Payroll |
Enter amount: The amount of annual payroll generated by this type of farm operation. |
ACORD 408 (2007/09) 5 of 8
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Section Name |
Field Name |
Field and/or Section Description |
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SUMMARY OF HORSE |
Description of Operations - |
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OPERATIONS |
Receipts |
Enter amount: The amount of annual receipts generated by this type of farm operation. |
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SUMMARY OF HORSE |
Description of Operations - |
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OPERATIONS |
Number of Owned Horses |
Enter number: The number of owned horses. |
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SUMMARY OF HORSE |
Description of Operations - |
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OPERATIONS |
Number of Non-Owned Horses |
Enter number: The number of non-owned horses. |
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Enter text: The description of what business each applicant performs and the way it is |
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conducted by premises. Operations which may not be apparent in a general description |
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of operations may be segmented by location (e.g., location #1 is a sales office in Paris, |
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France, location #2 is a warehouse in Berlin, Germany). Include number of leased and |
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owned premises outside of the United States. The section should be completed in |
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enough detail to enable the underwriter to understand and classify each operation. Do not |
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use the classification wording from the Commercial Lines Manual or Workers |
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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 |
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RATING/UNDERWRITING |
Horse-Related Operations |
Goods Mfg. N.O.C.". |
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RATING/UNDERWRITING |
Total Stalls: |
Enter number: The number of stalls. |
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RATING/UNDERWRITING |
Monthly Boarding Rate : ($) |
Enter amount: The monthly boarding rate. |
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Number of Events in Which You |
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RATING/UNDERWRITING |
Participate Annualy: |
Enter number: The number of events in which the applicant participates in annually. |
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Workers' Compensation Insurance |
Check the box (if applicable): Indicates the applicant / named insured does not have |
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RATING/UNDERWRITING |
None (checkbox) |
workers compensation insurance. |
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Enter identifier: The identifier assigned by the insurer to the policy, or submission, being |
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referenced exactly as it appears on the policy, including prefix and suffix symbols. If |
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required for self-insurance, the self-insured license or contract number. As used here, this |
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RATING/UNDERWRITING |
Policy Number |
is the workers' compensation insurance policy number. |
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Enter text: The insurer's full legal company name(s) as found in the file copy of the policy. |
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Use the actual name of the company within the group to which the policy has been issued. |
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This is not the insurer's group name or trade name. As used here, this is the workers' |
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RATING/UNDERWRITING |
Company Name |
compensation insurance company name. |
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RATING/UNDERWRITING |
Pasture Fencing None (checkbox) |
Check the box (if applicable): Indicates that no pasture fencing exists. |
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Enter Y for a “Yes” response. Input N for “No” response. Indicates if all pastures are totally |
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RATING/UNDERWRITING |
Totally Fenced (Y/N) |
fenced. |
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RATING/UNDERWRITING |
Type of Fencing |
Enter text: The description of the type of fencing used. |
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RATING/UNDERWRITING |
Fence Maintaining Schedule |
Enter text: The description of the maintenance schedule for the pasture fencing. |
ACORD 408 (2007/09) 6 of 8
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Section Name |
Field Name |
Field and/or Section Description |
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RATING/UNDERWRITING |
Fence Condition |
Enter text: The condition of the pasture fencing. |
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RATING/UNDERWRITING |
Riding Facilities None (checkbox) |
Check the box (if applicable): Indicates that there are no riding facilities. |
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RATING/UNDERWRITING |
Indoor (check box) |
Check the box (if applicable): Indicates there are inside riding facilities. |
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RATING/UNDERWRITING |
Outdoor (checkbox) |
Check the box (if applicable): Indicates there are outdoor riding facilities. |
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RATING/UNDERWRITING |
Open Fields (checkbox) |
Check the box (if applicable): Indicates the riding facilities include open fields. |
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RATING/UNDERWRITING |
Trails (checkbox) |
Check the box (if applicable): Indicates the riding facilities include trails. |
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RATING/UNDERWRITING |
Riding Instruction None (checkbox) |
Check the box (if applicable): Indicates that no riding instruction is provided. |
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RATING/UNDERWRITING |
Annual Student Count |
Enter number: The number of students provided instruction annually. |
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RATING/UNDERWRITING |
Annual Receipts ($) |
Enter amount: The amount of annual receipts generated by the riding instruction operation. |
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RATING/UNDERWRITING |
# of Horses Used at One Time |
Enter number: The number of horses used for riding instruction at one time. |
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RATING/UNDERWRITING |
Horse Sales - Annual Count of Horses Sold |
Enter number: The number of horses sold annually. |
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RATING/UNDERWRITING |
Horse Sales - Breeds Sold |
Enter text: The breed names of the horses sold. |
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RATING/UNDERWRITING |
Annual Public Events Conducted / Sponsored-# Events |
Enter number: The number of public events conducted or sponsored annually. |
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RATING/UNDERWRITING |
Exposure Location - On Premises (checkbox) |
Check the box (if applicable): Indicates that events are held on premises. |
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RATING/UNDERWRITING |
Exposure Location - Off Premises (checkbox) |
Check the box (if applicable): Indicates that events are held off premises. |
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RATING/UNDERWRITING |
Counts - Participants : |
Enter number: The number of participants. |
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RATING/UNDERWRITING |
Counts - Spectators: |
Enter number: The number of spectators. |
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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. |
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RATING/UNDERWRITING |
Tack Sales - None |
Check the box (if applicable): Indicates there are no tack sales. |
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RATING/UNDERWRITING |
Annual Receipts ($) |
Enter amount: The amount of annual receipts generated by the tack sales operation. |
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RATING/UNDERWRITING |
Items Sold |
Enter text: The description of tack items sold. |
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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?". |
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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
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Section Name |
Field Name |
Field and/or Section Description |
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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. |
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GENERAL INFORMATION |
Remarks |
Enter text: An explanation of a response to a general information or underwriting question. Normally, "Yes" responses require an explanation. |
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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?". |
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GENERAL INFORMATION |
Remarks |
Enter text: An explanation of a response to a general information or underwriting question. Normally, "Yes" responses require an explanation. |
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IDENTIFICATION SECTION |
Agency Customer ID |
Enter identifier: The customer's identification number assigned by the producer (e.g. agency or brokerage). |
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IDENTIFICATION SECTION |
Loc #: |
Enter number: The producer assigned number of the location. |
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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?". |
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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. |
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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?". |
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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. |
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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?". |
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GENERAL INFORMATION |
Remarks |
Enter text: An explanation of a response to a general information or underwriting question. Normally, "Yes" responses require an explanation. |
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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. |
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GENERAL INFORMATION |
Remarks |
Enter text: An explanation of a response to a general information or underwriting question. Normally, "Yes" responses require an explanation. |
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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?". |
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Section Name |
Field Name |
Field and/or Section Description |
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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?". |
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GENERAL INFORMATION |
Remarks |
Enter text: An explanation of a response to a general information or underwriting question. Normally, "Yes" responses require an explanation. |
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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?". |
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GENERAL INFORMATION |
Remarks |
Enter text: An explanation of a response to a general information or underwriting question. Normally, "Yes" responses require an explanation. |
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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?". |
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GENERAL INFORMATION |
Remarks |
Enter text: An explanation of a response to a general information or underwriting question. Normally, "Yes" responses require an explanation. |
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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?". |
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GENERAL INFORMATION |
Remarks |
Enter text: An explanation of a response to a general information or underwriting question. Normally, "Yes" responses require an explanation. |
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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?". |
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GENERAL INFORMATION |
Remarks |
Enter text: An explanation of a response to a general information or underwriting question. Normally, "Yes" responses require an explanation. |
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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?". |
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GENERAL INFORMATION |
Remarks |
Enter text: An explanation of a response to a general information or underwriting question. Normally, "Yes" responses require an explanation. |
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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. |
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Edition |
Date |
The edition identifier of the form including the form number and edition (the date is typically formatted YYYY/MM). |
ACORD 408 (2007/09) 8 of 8
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