Rider’s Accidental Death & Dismemberment Coverage Enhancements

At Industria Risk & Insurance Service, we have an insurance solution for Jockey Accidental Death & Dismemberment—a significant peril and substantial cost facing the horse racing industry.

The safety issues jockeys face every day include the quality of their helmets and safety vests, ensuring that paramedics are present at every racetrack, and having adequate on track accident coverage. We work with the guild, track operators, regulators, and owners regarding safety issues, race medications, pre-race exams and much more. It is for all of these reasons that the industry experts at Industria Risk & Insurance services created the R.A.C.E. program.


R.A.C.E. includes expanded coverage and pricing concessions for the following:

  • Accidental Death and Accident Medical Expense Benefits (significant increases in limits)
  • Bereavement and Trauma Counseling
  • Coma Benefits
  • Home Alteration & Vehicle Modification
  • Multi-Year Policy Options
  • Rain Day Credit
  • Rehabilitation Benefits


  • Protects jockeys
  • Achieves a safer racing environment
  • Assists in obtaining insurance and other benefits for members
  • Monitors developments in local, state and federal laws affecting jockeys and the racing industry


  • Online portal access to capture the application and exposure data, your quote, binder, policy and invoices
  • Simplified and expedited claim reporting process


  • Completed application
  • Claims for the past five years
  • Copy of the insured’s current jockey AD&D policy

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Business Interruption Non-Physical Damage

In a world surrounded by turmoil, we find ourselves moving from one catastrophic event to the next, whether natural or manmade. That’s where B.I.N.D. comes in. Traditional business interruption policies require physical property damage, due to a covered peril, such as a fire or windstorm, before a business can recover lost income.

B.I.N.D. (Business Interruption Non-Physical Damage) is a program specifically designed to help mitigate clients’ loss of business income and incurred expenses where no physical loss or damage occurs to the clients’ property. Understanding the needs of our clients, the specialty insurance professionals at Industria Risk & Insurance Services designed the B.I.N.D. insurance program to provide clients with tailor-made insurance policies that address gaps in coverage under their standard property policy.


  • Coverage tailored to your specific industry
  • Reduces or eliminates gaps and overlaps in coverage
  • All risk policy form
  • Worldwide coverage territory


  • Closing of the whole or part of the premises due to circumstances that are beyond the Insured’s control
  • Voluntary closure of the premises due to circumstances that are beyond the Insured’s control
  • The occurrence of a murder, suicide, rape, armed robbery, and active shooter
  • Loss of satellite signal which causes a closure of the location
  • The occurrence of civil commotion, within a specified radius of the premises
  • Communicable disease
  • Cancellation of bookings (specifically for the lodging industry)—loss of revenue due to cancellation of pre-paid and/or confirmed reservations
  • Any occurrence not specifically excluded


  • Customized to reduce potential gaps or overlaps in coverage
  • Indemnity periods ranging from 14 days to one year
  • Specific named perils policy options
  • Online portal access to capture the application and exposure data, your quote, binder, policy and invoices


  • Completed application
  • Statement of values including property and business interruption values broken out
  • Property claims for the past five years including any B.I.N.D. losses
  • Copy of the insured’s current master property policy

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Want to learn more?

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