As a service to Maryland’s horsemen, fire and disaster insurance is provided at no cost. Under this policy, MTHA members may be compensated for death or humane destruction of their horses due to a number of perils, including fire, lightning, wind storm, smoke and flood.
Coverage extends to horses located at or in transit to or from Bowie, Laurel, Pimlico and Timonium. Additionally, horses are covered when in transit from Bowie and Laurel to race and return from out-of-state tracks.
Lloyds Underwriters is the insurer and the MTHA is reimbursed for the premium by track management.