Welcome to Ohio Harness Horsemen's Association

OHHHIT Aetna© Medical Insurance Program

Medical Benefits through the Aetna© Healthcare Plan available to Ohio's Trainers, Drivers, Grooms, and Farm Workers. Complete details and eligibility dependent upon qualification guidelines. Current Self-Pay Cost Monthly $431.00 per-month for Single Coverage or $997.00 per month for Family Coverage

Documents & Forms :
pdfIn State Self Pay Application Download
pdfOut of State Trainer Resident Groom Application Download
pdfOhio Trainer Groom Application Download

Sulky Insurance Coverage

Full-Active Members are Eligible for Sulky Insurance. Coverage extends to sulkies covered due to an accident in a race. Sulkies are covered based upon a pro-rata formula, sulky wheels are excluded from coverage. Sulky Owner must Register the sulky for pro-rata coverage to apply. Once the completed Sulky Registration Form is received coverage will apply. At the time of accident sulkies not on the registry or with no serial numbers when registered will result in the lowest tier base coverage. See Sulky Insurance Rules for complete eligiblity.

Optional - Sulky Insurance Supplemental coverage may be added at a cost to the base Sulky Insurance Coverage. Full details on the Sulky Insurance Rules. Apply using the Sulky Registration Form.

Documents & Forms :
pdfSulky Coverage Complete Rules Download
pdfSulky Coverage and Supplemental Registration Form Download
pdfSulky Insurance Claim Form Download

Third-Party Liability Insurance Coverage

Documents & Forms :

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Horse Mortality Policy Infomation

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Excess Coverage Policy Informaton

Full-Active Members are Eligible for Third-Party Liability Insurance coverage as an Additional Insured. The Liabiity Insurance Policy is an EXCESS COVERAGE POLICY, which offers coverage for a Member incident to an accident or damage caused by a racehorse to a Third-Party's Property. Also covered are racehorse mortality incident to shipping, Fire, and Disaster Insurance Coverage under limited circumstances. For complete details request a copy of the Policy.

Harness Horsemen's Retirement Trust Plan (H.H.H.R.P.)

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Harness Horsemen's Retirement Trust Plan (H.H.H.R.P.)

Download

Eligible Grooms, Breeding Farm Workers, Drivers and Trainers can receive a contribution on a yearly basis pursuant to Ohio Revised Code from the statewide breakage fund into an individual retirement trust account. The contribution is based upon their full-time employment status with a Breeding Farm or Racing Stable or individual qualified status and number of starts as a driver or trainer.

Human or Equine Benevolent Fund Request Form

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Human or Equine Benevolent Fund Request Form

Download

Provide grant-based assistance or aid to standardbred horses, owners, trainers, and grooms or breeding farm workers in distress or under threat of imminent harm. OHHA Benevolent Aid is available on a case-by-case basis. Funds distributed solely in the OHHA’s discretion for the use and manner deemed most beneficial.

Accident, Death, and Disability Insurance

Accident, Death, and Disability Coverage is available for all Drivers injured on-track during the course of a race at an Ohio Pari-mutuel racetrack or a race at a Fair during the scheduled Fair Racing Dates. Plan A provides coverage while working with horses. Plan B provides 24/7 coverage 365 days a year whether or not you are injured with horses or without. The Canadian track added coverage form applies only to working with horses in Canada. Download the Voluntary Accident Brochure, complete the form located in the brochure. Fax the completed form and credit card authoriztion to (309) 452-7500 or Mail the completed form with annual premium payable to: Van Gundy Insurance, Attn: Gail McNeely, 101 S. Towanda Avenue, Normal, IL 61761

Documents & Forms :
pdfUSTA Added Coverage Information Download
pdfAccidental Death and Disability Brochure and Enrollment Form Download
pdfUS Driver-Trainers Canadian Track Coverage Enrollment Download

On-Track Accident Insurance Information

Documents & Forms :

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On Track Claim Form

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On Track Policy

When an accident occurs on the racetrack, during a pari-mutuel race, qualifying race, matinee race or fair race at a covered location, Drivers have on-track accident insurance coverage as part of the Full-Active Membership Benefit.

Fair Track and Matinee Benefits are: $10,000 Accidental Death and Dismemberment (loss must occur w/in 1 year of accident), $250,000 Accident Medical Expense (No Per Claim Deductible Paid for By Injured party and 52 week benefit period). $125 per-week disability payment (104 week benefit period).

Pari-mutuel Track Policy and Benefits: $40,000 Accidental Death and Dismemberment (loss must occur w/in 1 year of accident), $240,000 Accident Medical Expense ($100 Per Claim Deductible Paid for By Injured party and 52 week benefit period), in addition to the $10,000 base benefit limits on each track. $75 per-week disability payment (104 week benefit period).

For-Profit Owner-Trainer Equine Liability Insurance Information

Each horse owner should have their own general liability policy for their horse business and any trainer or someone who boards horses for others should have their own policy. The third party liability offered through the Association and included for members as a full active membership benefit is Excess over any other liability insurance. The intent of the Ohio Harness Horsemen’s Association Third Party Liabiity Policy is to provide Excess Liability coverage for its full active Members, but only in the capacity of racing or being in training at one of the designated pari-mutuel race tracks, racing fairground locations, and other specifically scheduled covered training centers.

Worker's Compensation Insurance Co-Op Information

Documents & Forms :

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Workers Compensation Informational Flyer

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Workers Compensation Form AC-3 Evaluation

All Ohio businesses are required to carry worker's compensation. Any business that does not maintain workers compensation coverage on an employee of the business or declines coverage for themselves, may be personally responsible for costs and expenses for claims on a self-covered basis if State Worker's Compensation is not in place.

Ohio State Racing Commission administrative code requires Owners and Trainers carry Worker's Compensation for their businesses as a condition of licensure.

The Association offers a free, Member-Benefit partnership with Sedgwick for the most cost-effective coverage available. Those that currently have coverage can also get a free, no-obligation review by simply completing the AC-3 form attached at the link. Don't be without this important coverage required by law. Call Kathy Redmond, Client Services Manager with Sedgwick at 614.376.5409.

May 19, 2022 Ohio Worker's Compensation Informational session. click this link for the meeting materials.