IAHA insurance exclusion

[Sbeseda@aol.com]

I just got my Evidence of Insurance for my year 2000 IAHA membership. In 
document I see the following exclusion statement:
"The insurance provided by the policy does not cover a Member for acts of 
negligence in connection with (a) his business or profession, or (b) the use 
of a horse or drawn vehicle for hire, or (c) while in practice or preparation 
for a prearranged race or speed content."

Is there anyone that can give some ideas on the meaning of part (c) for 
Endurance riders? I interpret it to mean that I am not covered by this policy 
during an Endurance race. 

Does the phrase "preparation for a prearranged race" exclude training ride 
also?

TIA
Scott


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