On December 6, 2002 the California Horsemen's Safety Alliance (CHSA) was formed to combat California's ongoing workers' compensation crisis.

The formation of the CHSA contributed to Governor Schwarzenegger signing AB701 into law on May 13, 2004. The Bill's passage was the result of a coordinated industry-wide effort to enact law that would provide California racing interests - including owners - some much needed relief from the high cost of workers' compensation.

The Thoroughbred Owners of California (TOC) as an owners' organization, is committed to ensuring that thoroughbred owners actually receive benefits afforded our industry under this law. The best means of doing so is to educate individual owners as to the details of several new programs created as a result of this law.
 

*Estimated average for a midsized racing stables Statistics compiled by NCCI and a survey of various equine insurances brokers Nationwide. **New York covers jockeys and exercise riders in a separate fund paid for by owners. Perforated line above indicates true cost of workers' compensation in New York. ***2004 through 2007 rates factor in subsidy provided by California Thoroughbred Business League (CTBL) through legislative bill increasing takeout on exotic wagering.

PROTECTION FROM LIABILITY
On May 1, 2006 the TOC was able to successfully add an Alternative Employer Endorsement to all CHSA policies. The TOC worked the California Department of Insurance to add this endorsement for all owners insured through the CHSA program. For further information on this important endorsement contact the TOC office for a copy.

A FAIR AND EASY SYSTEM
Rates are based on per horse per day method of payment. This methodology ensures that all participants pay their fair share, protects the financial integrity of the program, and allows for an easier auditing process. The CTBL subsidy pays for jock starts. NO OWNER WITH A TRAINER IN THE CHSA PROGRAM SHOULD RECIEVE A BILL FOR JOCK STARTS!!!!

PROFESSIONAL, DEDICATED AND EXPERIENCED CLAIMS SERVICING TEAM
The CHSA has over 5 years experience dealing with the unique risk the thoroughbred racing industry poses to insurance markets. The professional team at the CHSA, MOC and AIG are the foremost experts in this field. Sonia Pishehvar serves as the program administrator of the CHSA and John Unick serves as the broker from MOC Insurance Services on the CHSA program. A large part of the financial success of the CHSA program is the behind the scenes implementation of preferred provider networks, loss control, claims reviews, etc. Please feel free to contact Sonia Pishehvar or John Unick for questions on the CHSA program.