Harness Horsemen International
 (609) 747-1000
Insurance Programs

2023-2024 HHI Claim form
for an HHI insurance claim form, 
to be completed by an 
individual seeking coverage
Click Here

Benefits provided to members of Harness Horsemen International (HHI) member associations.  Please contact your local HHI Association for complete information.

HHI Member Association Membership Benefits
1~Third-Party Liability Insurance –Provides Liability coverage for an eligible member who owns a standard bred horse that causes bodily injury or property damage. Policy provides $1,000,000 dollar occurrence/$5,000,000 aggregate.

2~Inland Marine /Animal Mortality coverage provides limited animal mortality coverage for an eligible member-owned Standardbred horse while at Scheduled Racetracks, Training Centers or Fair Grounds, of up to $15,000 for a horse which is 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).  To get the Fire & Disaster insurance application for Racetracks & Training Centers,  CLICK HERE   

3~There is one change in the policy, if a horse dies you must submit a claim within 30 days with proof from vet.

            NOTE: Coverages are excess over all other collectible insurance. Refer to actual policy
                        for a full description of all limits, coverages, limitations and exclusions.

        For further information, contact Donna at the HHI office at 609-747-1000


for more information contact
William Wittman
 860.430.3263 Direct  
860.983.6397 Cell
 860.652.3236 Fax

   Members of Harness Horsemen International and participating state associations can access a policy that provides Animal Mortality and General Liability coverage for standardbred horse owners. 

The policy provided through Harness Horsemen International has been in existence for over 15 years and has met the needs of members across the country. 

The program is designed to provide a basic level of protection on an excess basis for the horsemen who may not have their own Mortality or Liability coverage. 

Members are encouraged to contact Harness Horsemen International, their local state association or Smith Brothers Insurance for more details including eligibility, limits, policy terms/ conditions and cost.  
~from William Wittman