liability insurance

[Kelli Hjelmeland <kelli@mb.sympatico.ca>]

IAHA does cover liability - I ended up being double-covered because my
local horse council (Manitoba Horse Council) offers liability to its
members also. (I think I'm a member of 11 different horsey organizations
this year.)

As such, I have absolutely no need for more liability, but I am in need
of mortality and major medical. I've already paid over $1000 for surgery
on one horse, and it isn't easy.

Kelli in Manitoba