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The DTHA is an exclusive workers' compensation program that MOC administrates on behalf of the racing stables of Delaware.
Application Process
Please print, fill out, sign, and submit all pages to MOC.
2008-2009 DTHA Application
1) DTHA Workers' Compensation Application
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MOC Insurance Services
Attn: DTHA
44 Montgomery Street, 17th Floor
San Francisco, CA 94104 | Or Fax To: (415) 957-0577
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Please include three years of detailed loss history from your prior workers’ compensation insurance carrier if new to the program.
Information
WORKERS’ COMPENSATION
- 15% to 20% savings
- Premium based on a per stall per day basis, not payroll!
- No additional money owed after audit!
- Backed by over $1.3 million from the purse fund to serve as collateral
- All surpluses earned from premium used towards future premium reduction
- Insured by AIG (AM Best A+)
- Brokered by MOC Insurance Service, same broker who put together California’s plan
GENERAL LIABILITY
- $1,000,000 limit
- Covers trainers from claims arising from ownership, maintenance and use of thoroughbred horses at Delaware Park
ACCIDENT AND HEALTH COVERAGE FOR THE TRAINER
- Policy covers trainers for on-track injuries up to $500,000 of accident medical expenses subject to a $2,500 deductible
- Includes a weekly indemnity benefit of $200 a week for 104 weeks
- Carries a $50,000 death benefit
- DTHA First Report Form (PDF File) Toll Free Claims Reporting Phone Number: (877) 399-6442The person taking your information will relay it to a claims adjustor. The claims adjustor will call you in 24-48 hours to further explain the claims process and answer your concerns about the claim. Report claims as soon as you or your staff is aware of an injury. The reporting of a claim does not admit liability. How can I reduce my claim costs?- Direct your employee to a participating medical clinic or to an emergency room depending on the severity of the injury. Sending your employees to participating medical clinics can reduce claims costs.
- Visit your injured employees to see how they are doing and show them you are concerned for their welfare. Studies show that employers who pay a friendly visit to their employees while they are recovering can reduce the amount of time lost from work by up to 50%.
- Report all claims regardless of whether you believe they are legitimate. Failure to report a claim immediately may result in the inability to decline acceptance of it in the future.
Why do I have to purchase workers’ compensation?As a licensed trainer you are operating an independent business and are required to provide proof of workers’ compensation insurance to occupy stall space at Delaware Park.What are the penalties for not accurately reporting payroll or allowing my coverage to lapse?All workers’ compensation policies are subjected to payroll audits that could result in further premium assessment. As an independent business owner you are required to carry workers’ compensation to protect you and your company from being sued for the medical expenses of employees injured under your employment scope. Consult with the Delaware Department of Insurance for further serious fines and penalties associated with lack of compliance with workers’ compensation laws.What rate will I be charged by the DTHA workers’ comp program?Your rate will be charged based on a per stall per day basis and will be billed on a monthly basis. Every trainer’s daily rate will be slightly different depending on how much employed help they have per stall.
The goal of the program will be to provide a 15% to 20% savings based on expected exposure from the prior year. You will still be required to complete the workers’ comp audit at the end of the policy period, but you will not owe anything additional.Why is the DTHA plan a better deal for me than my current workers’ compensation plan?Delaware Park has put up $1,300,000 to serve as collateral in case claims under the DTHA workers’ comp plan are larger than projections. The DTHA loss fund is reinsured so that no one claim will cost the fund more than $300,000. All premium dollars paid into the DTHA plan will go into the DTHA loss fund. Expected surpluses will be used to responsibly lower workers’ comp rates in the future.Why did the DTHA choose MOC Insurance Services and AIG to administer this plan?MOC and AIG partnered on the California workers’ compensation plan that has proven to be extremely successful. California has gone from the highest rates in the nation to the lowest in less than 5 years under this plan. MOC is a specialized agency that understands all aspects of how the horse racing industry operates and insurers a wide array of thoroughbred horse racing entities nationwide, including nearly every jockey when they are injured on-track. Daily Racing Form
Bloodhorse
Thoroughbred Times
DTHA - Delaware Horsemen's Association
http://www.dtha.com
Department of Insurance - Fraud Division - Information about insurance fraud.
Please note: Even if you suspect an injury to be fraudulent, please report the injury to the insurance carrier. Reporting a potential claim is not an admission of liability and failure to report a potential claim may lead to the automatic acceptance of a claim and civil penalties.
http://delawareinsurance.gov/ John Patrick Unick - President Thoroughbred Racing Division
Phone: (415) 357-9219
Fax: (415) 957-0577
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Sara Przemielewski - Manager
Phone: (415) 357-9234
Fax: (415) 957-0577
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Frankie Spitaleri - Account Executive
Phone: (415) 357-9229
Fax: (415) 957-0577
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Dilcia Giron - Claims Representative
Phone: (415) 357-9212
Fax: (415) 957-0577
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