Insurance

[Sharon Nelson]

My insurance with CNA was also not renewed and I didn't find out they could provide Hartford insurance until after I had found another company.  I don't know what the Hartford rates are, but, if anyone is interested, they might check with R.C. Nuccio & Associates, rcnuccio.com.  They insure events and NADAC is one of the dog entities that they cover along with many other venues.  Their rate was a little higher than the CNA rate, but I was in a panic as I couldn't find anyone locally who would cover agility trials.  The people at Nuccio were very nice and seemed to understand what I was talking about.  Some of you might want to check it out.  Thanks. 

Sara Langston, Laughing Dog Agility

CNA cannot offer you Hartford.  They are both insurance companies.  When people talk about Denny, they are talking about an agent that can represent both CNA and Hartford and many other companies.

Sharon

[Lynn Broderick]

 I am a dog trainer as well as being involved in two agility clubs, all covered by the Kennel Pro policy so I am going to be hit with this situation three times!  One club is all set until next fall; one club is up for renewal very soon, and I just decided to stick with Mourer-Foster and the Kennel Pro policy for my training business.

We are in NY. I did check into the RCNuccio a few years ago & they wouldn't cover NY.

I was in touch with Dennis at Mourer-Foster when my dog training insurance was canceled by CNA. He went over the new Hartford policy with me and answered every question- it appears to be the same as before, but higher levels of coverage and of course a higher price. He said CNA decided to get out of the dog training business because they weren't making any money on it.  I had the option of another policy through Business Insurers of the Carolinas, and the new Kennel Pro policy still seems better, even with the price increase. They offer nicer payment plans, too, which the others didn't.

One of the things that I had to take into account was that regardless of the levels of coverage, Kennel Pro doesn't charge you for additional insureds. For my business, the cost of adding my additional insureds brought the BI policy up to the same price as the Kennel Pro.

When I mentioned the agility club renewal to Dennis, he didn't think there would be any problem with renewing it.

Of course, I haven't had to (knock on wood) make any claims, so I can't say how great any of the policies are at covering incidents.

It is sad to hear that the insurance industry is thinking that agility is a high risk.  I'm going to hope that instructors start stepping up to better prepare their students for the trial situation so we can start changing that perception back to good!

Lynn Broderick

[Karen Echternacht]

Going back to the amount of claims, $1.4 million which included "....dog sitters...." Which makes me wonder if boarding facilities are included in that as well?  I managed a very high end luxury boarding facility for many years, and there were several legit, extensive injury claims.  My first week there I bent over to pet a cavalier and she came up and scratched a hunk of my cornea out.  Another instance was an 8 month old Great Dane puppy that zigged when the walker zagged, ending with the walker breaking both arms, her front teeth, and shoulder issues.  There were several others, but my question is do the insurance companies lump these type of claims in with the other claims of the $1.4 million?  Surely accidents would be treated differently than aggression.....or maybe not.  I dunno.

[Sharon Nelson]

Going back to the amount of claims, $1.4 million which included "....dog sitters...." Which makes me wonder if boarding facilities are included in that as well?  I managed a very high end luxury boarding facility for many years, and there were several legit, extensive injury claims.  My first week there I bent over to pet a cavalier and she came up and scratched a hunk of my cornea out.  Another instance was an 8 month old Great Dane puppy that zigged when the walker zagged, ending with the walker breaking both arms, her front teeth, and shoulder issues.  There were several others, but my question is do the insurance companies lump these type of claims in with the other claims of the $1.4 million?  Surely accidents would be treated differently than aggression.....or maybe not.  I dunno.

According to Dennis (who is one rep for may companies), boarding kennels are totally separate.  Dog sitters are combined with "trainers".

Sharon

[Sara Langston]

I should have put in my post that I was with Moorer Foster and hated to leave them.  However, I was told they would not be offering an alternative and they did not contact me about the Hartford insurance until after my renewal date.  I was in a panic as I did not want to be without insurance with a trial coming up.  My renewal date was March 1 and my trial was March 23-25.  I had to find something.  I may go back to Moorer Foster next year if they are still offering it.  All insurance is such a pain!!!  LOL

Sara Langston, Laughing Dog Agility