Back in April of 1992 I wrote and article entitled "Fire, Your Horse's Worst Enemy. That article laid out safety tips to protect horses in your care. What prompted that article was the devastating fire in Dix Hills NY that killed eight horses and I truly hoped I would NEVER have to write another one like it. But on December 28th 1993, 28 horses died from the same, useless tragedy!

Could it have been prevented? Maybe. The loss of life did NOT have to be sooo extensive. Simple, inexpensive measures could and should have been taken. Smoke detectors in every 2-3 stalls and a baby intercom system (one in the stable, one in the house.) Isn't there a better system than those electric hot water rods? Isn't that what seemed to be the cause of the Dix Hills fire? Whether your horse had become a beloved "member of the family" or is a prized investment, isn't that life worth an $8.00 smoke detector an a $20.00 baby intercom system???

Well, since this is the insurance corner, just a note -----The premium to insure your horse(depending on how it's being used) is 3% of value - a minimum premium of $150.00 per policy. This premium includes emergency colic treatment of up to $5,000 (or 1/2 the value of the horse.) You can also protect yourself if you have horses in your care, custody and control. The premium starts as low as $105 for $5,000 coverage per horse / $25,000 per occurrence. Higher limits are available.

Once again, please take the simple safety measures I explained and save a life.

Thank you.

 
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