Legislature(2001 - 2002)

02/06/2002 01:43 PM Senate JUD

Audio Topic
* first hearing in first committee of referral
+ teleconferenced
= bill was previously heard/scheduled
                    ALASKA STATE LEGISLATURE                                                                                    
                   SENATE JUDICIARY COMMITTEE                                                                                 
                        February 6, 2002                                                                                        
                            1:43 p.m.                                                                                           
                                                                                                                                
                                                                                                                                
MEMBERS PRESENT                                                                                                               
Senator Robin Taylor, Chair                                                                                                     
Senator John Cowdery                                                                                                            
Senator Gene Therriault                                                                                                         
                                                                                                                                
MEMBERS ABSENT                                                                                                                
                                                                                                                                
Senator Dave Donley, Vice Chair                                                                                                 
Senator Johnny Ellis                                                                                                            
                                                                                                                              
COMMITTEE CALENDAR                                                                                                            
                                                                                                                                
CS FOR SPONSOR SUBSTITUTE FOR HOUSE BILL NO. 111(JUD) am                                                                        
"An Act relating to civil liability for injuries or death                                                                       
resulting from livestock activities."                                                                                           
     HEARD AND HELD                                                                                                             
                                                                                                                                
                                                                                                                                
PREVIOUS COMMITTEE ACTION                                                                                                     
                                                                                                                              
HB 111 - see Resource minutes dated 4/20/01                                                                                     
                                                                                                                                
WITNESS REGISTER                                                                                                              
                                                                                                                                
Rynnieva Moss                                                                                                                   
Staff to Representative John Coghill                                                                                            
State Capital, Rm 102                                                                                                           
Juneau, AK  99801-1182                                                                                                          
                                                                                                                                
Melissa Fouse                                                                                                                   
Executive Director, Alaska Academy of Trial Lawyers                                                                             
        rd                                                                                                                      
813 W. 3                                                                                                                        
Anchorage, AK  99501                                                                                                            
POSITION STATEMENT: Opposes HB 111                                                                                            
                                                                                                                                
Donna McCready                                                                                                                  
President, Alaska Academy of Trial Lawyers                                                                                      
         th                                                                                                                     
1130 W. 6                                                                                                                       
Anchorage, AK  99501                                                                                                            
POSITION STATEMENT: Opposes HB 111                                                                                            
                                                                                                                                
Beverly Nester                                                                                                                  
5465 Chena Hot Springs Road                                                                                                     
Two Rivers, AK  99712                                                                                                           
POSITION STATEMENT:  Supports HB  111.                                                                                        
                                                                                                                                
Tamara Larry                                                                                                                    
1853 Bridgewater Dr.                                                                                                            
Fairbanks, AK  99709                                                                                                            
POSITION STATEMENT:  Supports HB  111.                                                                                        
                                                                                                                                
Gabrielle Larry                                                                                                                 
1853 Bridgewater Dr.                                                                                                            
Fairbanks, AK  99709                                                                                                            
POSITION STATEMENT:  Supports HB  111.                                                                                        
                                                                                                                                
Joan Levenson                                                                                                                   
11876 Middle Bay Dr.                                                                                                            
Kodiak, AK  99615                                                                                                               
POSITION STATEMENT:  Supports HB  111.                                                                                        
                                                                                                                                
Sandy Shacklett                                                                                                                 
310 Harriette St.                                                                                                               
Wasilla, AK  99654                                                                                                              
POSITION STATEMENT:  Supports HB  111.                                                                                        
                                                                                                                                
Al Poindexter                                                                                                                   
P.O. Box 400                                                                                                                    
Homer, AK  99603                                                                                                                
POSITION STATEMENT:  Supports HB  111.                                                                                        
                                                                                                                                
Robin Davies                                                                                                                    
1606 Roosevelt St.                                                                                                              
Fairbanks, AK                                                                                                                   
POSITION STATEMENT:  Supports HB  111.                                                                                        
                                                                                                                                
ACTION NARRATIVE                                                                                                              
                                                                                                                                
TAPE 02-02, SIDE A                                                                                                            
                                                                                                                                
CHAIRMAN  ROBIN  TAYLOR  called  the  Senate  Judiciary  Committee                                                            
meeting to  order at 1:43 p.m.   Present were  Senator Therriault,                                                              
Senator Cowdery  and Chairman Taylor.   Chairman  Taylor announced                                                              
the order of business would be CSSSHB 111(JUD)am.                                                                               
                                                                                                                                
                                                                                                                                
              HB 111-CIVIL LIABILITY AND LIVESTOCK                                                                          
                                                                                                                                
RYNNIEVA MOSS, Staff to Representative John Coghill, said that                                                                  
Representative Coghill was the prime sponsor of HB 111.  It is a                                                                
product  of  several meetings  with  people  from 4-H  groups  and                                                              
several  veterinarians  from the  Fairbanks  area.   The  original                                                              
intent of  HB 111 was  to legislate common  sense to  the judicial                                                              
system.   It came about because  of at least 2  frivolous lawsuits                                                              
that occurred in the state in the  last ten years.  She noted that                                                              
after   discussing   the   legislation    with   Senator   Taylor,                                                              
Representative  Coghill believed  the  bill needed  work and  they                                                              
were looking forward to working with him to accomplish that.                                                                    
                                                                                                                                
SENATOR TAYLOR  was aware of the  suit involving a lady  with open                                                              
toed sandals who got stepped on by a horse at the state fair.                                                                   
                                                                                                                                
MS. MOSS said that  occurred at the fair in Fairbanks.   The other                                                              
incident  occurred in  1996 during  the  Miller Reach  Fire.   The                                                              
Palmer Fair  opened up  its stables  to livestock.   A woman  told                                                              
them her  horse was  easily spooked  around other  animals.   They                                                              
warned her not to ride the horse  but she did.  It spooked and she                                                              
was  bucked off  and injured.   She  filed a  lawsuit against  the                                                              
Palmer Fair that was settled out of court.                                                                                      
                                                                                                                                
SENATOR TAYLOR said  in the case at Fairbanks a  lawsuit was filed                                                              
but thrown  out.  They spent  money, time and legal  fees bringing                                                              
that suit  and then it  was thrown out.   He wanted to  know about                                                              
the Miller Reach case.                                                                                                          
                                                                                                                                
MS. MOSS  said the Palmer  Fair paid her  $3500 in legal  fees and                                                              
she dropped the case.                                                                                                           
                                                                                                                                
SENATOR  THERRIAULT asked  about  the work  with Senator  Taylor's                                                              
office to identify a problem that needed an amendment.                                                                          
                                                                                                                                
MS.  MOSS said  the major  problem was  the bill  did not  include                                                              
gross  negligence.   There could  be  a case  of gross  negligence                                                              
where  they would  be exempt  from a lawsuit  and  that was  a big                                                              
flaw.  What  the bill was trying  to address was people  who go to                                                              
livestock activities knowing there is a danger.                                                                                 
                                                                                                                                
SENATOR  TAYLOR said  that  on page  2,  line  26 it  specifically                                                              
stated that  the bill does not  immunize people from  liability if                                                              
they have acted grossly negligent.                                                                                              
                                                                                                                                
MS. MOSS  ascertained she  was looking  at version  L of  the bill                                                              
while he and Representative Coghill  had been working with version                                                              
O.a.                                                                                                                            
                                                                                                                                
SENATOR TAYLOR  explained that  the immunity  provision on  page 2                                                              
made certain no  person could sue any other person  for the listed                                                              
activities except if  the party acted in gross  negligence.  Gross                                                              
negligence  is a very  high standard  often equated with  criminal                                                              
activity.    It   would  be  difficult  to  prove   that  somebody                                                              
intentionally had his or her horse  jump up into the grandstand at                                                              
a fair or an  audience at a parade.  He gave  a scenario involving                                                              
six  Clydesdales on  a parade  route  where someone  throws out  a                                                              
firecracker or  a horn goes off  and the horses were  spooked into                                                              
the crowd.  He  said the way the bill was written  if those horses                                                              
were  to  kill  several  people   there  would  be  absolutely  no                                                              
liability.   He thought  that was  a pretty  strong public  policy                                                              
call.                                                                                                                           
                                                                                                                                
SENATOR COWDERY asked  if the bill addressed the  situation when a                                                              
person borrows a horse, was the owner  responsible for that animal                                                              
or the person riding the horse.                                                                                                 
                                                                                                                                
MS. MOSS  said the bill  addressed activities  it did  not address                                                              
ownership of a horse.                                                                                                           
                                                                                                                                
SENATOR COWDERY  asked if he  borrowed Senator Taylor's  horse and                                                              
it kicked somebody would Senator Taylor be the one responsible.                                                                 
                                                                                                                                
MS. MOSS said  if an owner allowed  a person to ride a  horse in a                                                              
horse show  then there would  be no liability  if the  person were                                                              
injured.                                                                                                                        
                                                                                                                                
SENATOR TAYLOR  said the  intent of the  bill was to  make certain                                                              
that sponsored  events would not  have to acquire huge  amounts of                                                              
insurance.    He pointed  out  that  the definition  of  livestock                                                              
activities  on  page 4  included  livestock training  or  teaching                                                              
activities which could take place  in somebody's pasture.  On line                                                              
18,  boarding  or  pasturing  of  livestock  would  give  complete                                                              
immunity  to any  person  who has  a horse  out  in their  pasture                                                              
whatever occurs.   If they  had rotten  fences or the  fences were                                                              
down that would be negligence, but  would not necessarily be gross                                                              
negligence.                                                                                                                     
                                                                                                                                
SENATOR TAYLOR said the bill included  the inspecting of livestock                                                              
and the driving, riding, traveling,  or other livestock activities                                                              
of any type,  however informal, that are sponsored  by a livestock                                                              
activity sponsor.   He said a sponsor  could put their  horse in a                                                              
trailer and have an accident along the way without liability.                                                                   
                                                                                                                                
MS. MOSS said if that was correct  it needed to be changed because                                                              
the intent was  for this limited liability to  be effective during                                                              
a sanctioned horse show.                                                                                                        
                                                                                                                                
SENATOR  TAYLOR   said  the   language  "boarding  and   pasturing                                                              
livestock"  was awfully  broad.   It  would  include every  single                                                              
person that has any kind of livestock in a field in the state.                                                                  
                                                                                                                                
SENATOR THERRIAULT  asked if she  had worked with  the legislative                                                              
drafters to narrow the scope.                                                                                                   
                                                                                                                                
MS. MOSS  said they had  worked with  several groups and  she felt                                                              
part of the  flaw with the bill  was there were too many  hands on                                                              
it.   They were  coming to  Senator Taylor  for guidance  to fence                                                              
what it is they really want to do.                                                                                              
                                                                                                                                
SENATOR THERRIAULT thought there  were interests trying to make it                                                              
so broad it  was breaking down under  its weight.  They  needed to                                                              
draw constraints on the limitation on liability.                                                                                
                                                                                                                                
MS.  MOSS  said  the  intent  of the  meeting  was  to  take  some                                                              
testimony  and from  that testimony  work with  Senator Taylor  to                                                              
develop a committee substitute.                                                                                                 
                                                                                                                                
SENATOR THERRIAULT said he was supportive of the idea.                                                                          
                                                                                                                                
CHAIRMAN TAYLOR  thanked Ms. Moss, Representative  Coghill and the                                                              
involved groups for bringing the bill forward.                                                                                  
                                                                                                                                
MELISSA  FOUSE,  Executive  Director,   Alaska  Academy  of  Trial                                                              
Lawyers, said  they, as an  organization, have some  concerns with                                                              
the  bill.   She  introduced the  Academy's  President to  discuss                                                              
those concerns.                                                                                                                 
                                                                                                                                
DONNA McCREADY,  President, Alaska Academy of Trial  Lawyers, said                                                              
she agreed  with many  of the comments  that Senator  Taylor made.                                                              
She understands  there have  been two cases  in the last  10 years                                                              
and one was disposed of in the proper  manner.  She discussed Rule                                                              
82 and Rule 68  where the party that is not prevailing  has to pay                                                              
attorney fees to the other side.   That is a disincentive to bring                                                              
frivolous lawsuits.  The problem  the bill wants to address is too                                                              
all encompassing  and would  cause more harm  than good.   She was                                                              
concerned about  immunizing a  large group  of activities  or some                                                              
segment of  the population from  being personally  responsible for                                                              
wrongful or negligent  acts and whether that is  really necessary.                                                              
A trial lawyer  has to prove negligence, causation  and harm great                                                              
enough to  make it worthwhile to  bring a lawsuit.   Litigation is                                                              
expensive.                                                                                                                      
                                                                                                                                
SENATOR TAYLOR  said he  was going to  take testimony and  have an                                                              
additional hearing  to do a final  markup.  He intended  to move a                                                              
form of  the bill  out of  his committee  that would provide  some                                                              
form  of  limitation  on liability  for  those  organizations  and                                                              
sponsoring organizations  that are attempting to put  on events in                                                              
the  state.   One  problem was  perception,  accurate  or not,  of                                                              
specious law  suits being  brought.   Another being the  insurance                                                              
industry uses these specious bits  of litigation to overcharge for                                                              
a liability policy.   The committee would be very  appreciative of                                                              
assistance from her organization.                                                                                               
                                                                                                                                
SENATOR THERRIAULT  asked Ms. McCready if their  organization knew                                                              
if there  were other  states which had  limited liability  in this                                                              
area in some common sense way.                                                                                                  
                                                                                                                                
MS.  FOUSE  said  they  were  doing  some  research  on  that  and                                                              
contacting some parallel organizations in other states.                                                                         
                                                                                                                                
SENATOR TAYLOR explained  there are several states  that have open                                                              
range laws  and closed  range laws  based on whether  agricultural                                                              
animals can be allowed  to wander or must be fenced.   States came                                                              
up  with different  solutions.    This  bill was  patterned  after                                                              
Oklahoma and  he would submit to  the committee the  research that                                                              
had been collected.                                                                                                             
                                                                                                                                
SENATOR THERRIAULT  said in  reference to Rule  82 he  didn't want                                                              
people to think if they were the  winner they would get repaid all                                                              
their expenses, because that is not what Rule 82 does.                                                                          
                                                                                                                                
SENATOR  COWDERY  asked  if  this would  help  the  public  attain                                                              
liability insurance  for special events and if  livestock had been                                                              
defined.                                                                                                                        
                                                                                                                                
SENATOR  TAYLOR  said  that  special events  would  not  need  any                                                              
insurance.  Livestock  was defined on page 4, line  7 and included                                                              
cow,  bison,  hog,  sheep,  goat,   musk-ox,  yak,  pig,  caribou,                                                              
reindeer,  elk,  rabbit,  hamster, guinea  pig,  turkey,  chicken,                                                              
pheasant, peafowl,  pigeon, duck, horse, donkey,  camel, llama, or                                                              
alpaca; does not include dog or cat.                                                                                            
                                                                                                                                
BEVERLY  NESTER, Two  Rivers resident,  wanted  the definition  of                                                              
livestock  to include  mules, moose,  common zoo  animals and  pet                                                              
shop animals  or say livestock  is any domesticated  animal and/or                                                              
pet other  than dogs  or cats.   She wanted  in the definition  of                                                              
livestock activity  the words "is  not limited to" after  the word                                                              
includes because she  felt it was impossible to  list every single                                                              
event or activity.                                                                                                              
                                                                                                                                
She had been  informed that pastured livestock  are an "attractive                                                              
nuisance"  and people  have no  protection  against kids  crawling                                                              
through fences  and getting injured  by an animal.   She supported                                                              
limiting liability for many activities.                                                                                         
                                                                                                                                
TAMARA LARRY, 4-H Assistant Leader,  said her group project was to                                                              
research  and advocate  for  the  introduction of  HB  111 and  to                                                              
follow  its  progress.    In  helping   to  develop  HB  111  they                                                              
researched bills  in 44  other states and  talked to  a University                                                              
lawyer.   They think people who  place themselves in  the vicinity                                                              
of livestock  should assume responsibility  for any  injuries that                                                              
occur unless gross negligence is involved.                                                                                      
                                                                                                                                
SENATOR   TAYLOR  said   the  current  bill   did  include   gross                                                              
negligence.  He expressed  concern  over the  broad activities  it                                                              
included.   He wanted to  get a bill out  that would take  care of                                                              
the 4-H, rodeos and fairs.                                                                                                      
                                                                                                                                
GABRIELL LARRY,  Fairbanks resident, felt she was  putting herself                                                              
and others  in her  family at  risk because  of lawsuits  that are                                                              
potentially  draining.   The  bill was  important  and similar  to                                                              
those in  other states.   She gave examples  of past  problems and                                                              
explained the  loss of a 4-H program  run by Dr. Dee  in Fairbanks                                                              
for children who did not have horses.                                                                                           
                                                                                                                                
JOAN LEVENSON,  Kodiak 4-H  Club, said she  is a horse  leader and                                                              
involved with  Kodiak's rodeo  and fair.   She supported  the bill                                                              
and believed it was very important  because it would allow them to                                                              
do more with their horses.                                                                                                      
                                                                                                                                
CHAIRMAN  TAYLOR asked  if they had  had any  accidents in  Kodiak                                                              
involving people  riding horses  along roadsides.   He  said there                                                              
had  been  two  serious  accidents  in  Ketchikan  due  to  narrow                                                              
shoulders  along the  road.   In one case  a horse  had shied  and                                                              
leaped out  in front  of an oncoming  car.  Under  this bill  if a                                                              
horse leaps  out in front  of a car and  people are killed  no one                                                              
would be liable.                                                                                                                
                                                                                                                                
MS. LEVENSON said in Kodiak they  do not have that problem because                                                              
they have trails alongside the roads,  but maybe that needed to be                                                              
addressed in the bill.                                                                                                          
                                                                                                                                
CHAIRMAN TAYLOR did  not know if everyone intended  the bill to go                                                              
that far.  It had grown beyond protecting 4-H clubs.                                                                            
                                                                                                                                
SANDY  SHAKLETT,   Publisher,  Alaska  Horse  Journal,   said  the                                                              
roadside  incident would  be considered  reckless which would  not                                                              
exempt the  person from  a lawsuit.   There are markers  available                                                              
for riders to wear  in the dark so they can be seen.    If a horse                                                              
was not  broken to  ride and used  to traffic  it should  not have                                                              
been ridden along the road.                                                                                                     
                                                                                                                                
SENATOR  TAYLOR  said that  was  the  difference in  the  standard                                                              
between  gross negligence  and simple  negligence.   He asked  her                                                              
about the scenario involving the Clydesdales in the parade.                                                                     
                                                                                                                                
MS. SHACKLETT read from the bill  (page 2, line 25).  This section                                                              
does not  affect a civil action  for damages resulting  from gross                                                              
negligence  or reckless  or  intentional misconduct.  She  thought                                                              
that would fall into reckless behavior.                                                                                         
                                                                                                                                
SENATOR TAYLOR  said reckless  is that  which is life  endangering                                                              
and you know it to be life endangering before you do it.                                                                        
                                                                                                                                
TAPE 02-02, SIDE B                                                                                                            
                                                                                                                                
MS.  SHAKLETT said  there is  a responsibility  that  participants                                                              
make sure  an animal  is safe for  the activity  and, if  they did                                                              
not, she would go back to the clause  where that would be reckless                                                              
or intentional misconduct.                                                                                                      
                                                                                                                                
SENATOR TAYLOR said they would have  to prove that the person knew                                                              
the horse  was not  fit and  it would  be difficult to  establish.                                                              
The word reckless is a major hurdle to go over.                                                                                 
                                                                                                                                
SENATOR COWDERY read  from page 3, line 19; a person  may agree in                                                              
writing to waive  the right to recover damages.   He asked if that                                                              
would hold up in court.                                                                                                         
                                                                                                                                
SENATOR TAYLOR said  that would not necessarily hold  up though it                                                              
would give it more strength.                                                                                                    
                                                                                                                                
MS.  SHAKLETT said  readers had  been  contacting her  continually                                                              
about this  bill and everyone had been  in favor of it.   She said                                                              
there  might be  a  need for  some  changes but  it  would have  a                                                              
positive   effect  on   people   who  participate   in   livestock                                                              
activities.                                                                                                                     
                                                                                                                                
AL  POINDEXTER, Homer  Soil &  Water  Conservation District,  said                                                              
there was broad  support for the bill in Homer and  people who had                                                              
wanted to attend were unable due to weather.                                                                                    
                                                                                                                                
All  of  his four  children  were  involved  with 4-H  and  Future                                                              
Farmers of  America (FFA).   He said  people who raise  horses and                                                              
other  livestock for  kids to  learn with  and on  are limited  or                                                              
curtailed  by  the  liability  or  the  lack  of  ability  to  get                                                              
insurance.   The intent of  the bill is  to enable them  to pursue                                                              
some of these wholesome activities  without trying to come up with                                                              
funds for insurance.                                                                                                            
                                                                                                                                
SENATOR  TAYLOR  asked  if  4-H  had  an  insurance  program  they                                                              
provided to  member organizations for  a nominal fee.   He thought                                                              
one was available and wondered if  the cost was causing activities                                                              
to be restricted.                                                                                                               
                                                                                                                                
MR.  POINDEXTER  was   not  sure,  but  informed   them  that  the                                                              
sponsoring  organization  of  4-H  is  the  Cooperative  Extension                                                              
Service for the University of Alaska.   FFA is normally run by the                                                              
Department  of Education through  the school  system.   He assumed                                                              
the  children  were  insured  in  the same  way  as  other  school                                                              
activities.                                                                                                                     
                                                                                                                                
He said dogs  and cats are not  covered in the bill,  but some 4-H                                                              
children  are involved  in two  activities -  training Seeing  Eye                                                              
Dogs and  showing dogs.  Children  also mush dogs and  give people                                                              
rides on the sleds.   He wanted to know why dogs  were not part of                                                              
the bill.  He reiterated that all  the groups in Homer support the                                                              
bill, however, the language might need some changes.                                                                            
                                                                                                                                
SENATOR  THERRIAULT  said Mr.  Poindexter's  comments  led him  to                                                              
believe  he   was  supportive  of   limitation  of   liability  on                                                              
activities.  Senator  Therriault said as a citizen  he could think                                                              
about  an activity,  evaluate  it and  understand  there would  be                                                              
livestock there  and there would be  an inherent risk if  he chose                                                              
to go to that activity.  Because  of that risk he might choose not                                                              
to go to that activity.  He saw a  difference between that kind of                                                              
reasoned process and driving a car  down a public right-of-way and                                                              
coming around a corner and finding  livestock there.  He asked Mr.                                                              
Poindexer if  he saw a  differentiation between those  activities.                                                              
One was  an official  kind of  livestock activity  where he  could                                                              
choose to  go or  not go, the  other being  where you just  happen                                                              
upon livestock.   He thought it was Senator Taylor's  intention to                                                              
try and differentiate between those two.                                                                                        
                                                                                                                                
MR. POINDEXTER believed what they  wanted to do was make sure that                                                              
activities  can occur  and  sort of  be  protected because  people                                                              
understand  that there  is  some inherent  danger  in choosing  to                                                              
participate and  are therefore accepting that responsibility.   He                                                              
believed there  was a  difference between a  horse going  down the                                                              
road at night  and someone choosing  to go to a rodeo  or 4-H show                                                              
at a fair.                                                                                                                      
                                                                                                                                
ROBIN DAVIES,  Fairbanks 4-H Leader,  informed the  committee that                                                              
Risk Management for the University  of Alaska covers the insurance                                                              
for 4-H.   Her 4-H  group talked with  Risk Management a  year ago                                                              
and they were shocked  to find out that the horse  is not covered.                                                              
If the  horse was to kick  another child and  the child was  a 4-H                                                              
member  they would  be  covered but  the  horse  was not  covered.                                                              
Fairs have spectator insurance that would cover any spectators.                                                                 
                                                                                                                                
SENATOR  TAYLOR said  the  reason they  have  the Risk  Management                                                              
section at the University and with  the State of Alaska is because                                                              
they both decided  years ago they were not going  to be ripped off                                                              
by  the insurance  industry.   Risk Management  handled all  their                                                              
claims because it is a lot less expensive  to be self-insured.  He                                                              
would contact them  to get information and also the  people at the                                                              
fair to get information about spectator coverage.                                                                               
                                                                                                                                
MS. DAVIES  said covering sponsored  activities was the  intent of                                                              
the bill  but was concerned  about there being  sponsored activity                                                              
that would not be covered.                                                                                                      
                                                                                                                                
SENATOR TAYLOR  said they would have  a subsequent hearing  on the                                                              
bill probably in  the next week or two.  It was  his intent to get                                                              
this to the floor for a vote in time  to get it back to the House.                                                              
                                                                                                                                
MS. DAVIES  said it was not  their intent to not  carry insurance.                                                              
Her insurance company  would not put it in writing  that her horse                                                              
was covered though they said it is.                                                                                             
                                                                                                                                
SENATOR COWDERY said many Homeowners  Policies covered animals and                                                              
pets.                                                                                                                           
                                                                                                                                
MS. DAVIES said  the insurance company said they  were covered but                                                              
would not put it  in writing.  She knew of people  who's insurance                                                              
companies  had dropped them  as soon  as they  found out  they had                                                              
horses on their property.                                                                                                       
                                                                                                                                
She said the reason they did not  put dogs on the bill was because                                                              
the sled dog issue is such a difficult  one they thought that dogs                                                              
needed to be dealt with in a separate bill.                                                                                     
                                                                                                                                
SENATOR  TAYLOR  thanked  all  those who  had  participated.    He                                                              
adjourned the meeting at 3:00 p.m.                                                                                              
                                                                                                                                
                                                                                                                                

Document Name Date/Time Subjects