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National Insurance Program


As the appointed insurance broker for the Australian Trainers’ Association, Marsh has developed a National Insurance Program to help protect Australian racehorse trainers.

Program Summary

Public Liability Insurance

Can help cover a trainer if a third party claims they have suffered a serious injury or their property has been damaged due to the trainer’s alleged activities.

Professional Indemnity Insurance

Can help protect a trainer against allegations of incorrect advice, breach of professional duty or negligence from a third party.

What's Covered
slected option

Who's Covered?

Racehorse Trainers, Pre-Trainers and Registered Training Partnerships licensed with Racing Victoria Limited, Racing NSW, Racing SA Limited, Racing and Wagering Western Australia, Office of Racing Integrity D.P.I.P.W.E & Tasracing, and who have paid the applicable premium.



Chubb Insurance Australia Limited

  • PL – 02CL012537
  • PI – 02PI012618

Public Liability

  • $20,000,000 any one occurrence
  • Nil excess

Products Liability (Including Property in Care, Custody & Control)

  • $20,000,000 any one occurrence and in the aggregate any one period, in respect of each insured
  • Nil Excess

Professional Indemnity

  • $500,000 any one claim and $4,000,000 in the aggregate for each insured
  • $1,000 excess applicable to each claim*

*If claim is in regards to prize money, the excess is $10,000 or 10% of the amount claimed, whichever is greater.

365 day coverage

with an annual renewal date of 1 August

Please refer to the appropriate policy wording to find out detailed policy terms, benefits, conditions and exclusions.

Need to make a claim?

Sometimes accidents happen and we're here to help.

Depending on when the accident occurred and the policy you need to make a claim under, there are different procedures to follow. Head over to our claims page now to get started.

Frequently Asked Questions

Workers Compensation is not addressed by the ATA’s insurance scheme because it is different in each state; with further anomalies due to variations in the treatment of track riders, apprentice jockeys, jockeys, contractors, sub-contractors, and casual employees.

Remember, voluntary workers are not employees.

Many trainers are self-employed and do not employ staff. However in some states, trainers may be “deemed” employees. It is one of the most complex areas of insurance for trainers for many reasons, including:

  • The “deeming provision” that applies in some states to certain classes of persons in the industry, i.e. what constitutes an employee?
  • Certain persons in the industry may have dual legal status, i.e. deemed employees under Workers Compensation Legislation, but not employees at Common Law.
  • Lack of any clear, definitive, guidance material.
  • Movement of trainers and employees between different states and therefore different applicable Law.
  • Conflicting definitions of the status of persons often applies under the Fair Work Act, Tax Act, Workers Compensation Act, and at Common Law.
  • Different requirements of the regulatory authorities in each State.
  • Members with specific concerns should call the ATA.

Still have questions?

For general enquiries please contact us and one of our friendly team members will be in touch.

LCPA 21/390

Marsh Advantage Insurance Pty Ltd (ABN 31 081 358 303, AFSL 238369) arranges the insurance and is not the insurer. This page contains general information and does not take into account your individual objectives, financial situation or needs. For full details of the terms, conditions and limitations of the covers, refer to the specific policy wordings and/or Product Disclosure Statements available from Marsh Advantage Insurance (MAI) on request. MAI makes no representation or warranty concerning the application of policy wordings or the financial condition or solvency of insurers or re-insurers. Marsh makes no assurances regarding the availability, cost, or terms of insurance coverage.

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