National Insurance Program

Equestrian Clubs

Learn everything you need to know about the insurance cover in place for your club. 

Program Coverage

Marsh was appointed the Insurance and Risk Advisor for Equestrian Australia in May 2021. EA accredited coaches who elect to participate in the National Insurance Program will be covered for Personal Accident, Public & Products Liability and Professional Indemnity whilst coaching.

Public & Product Liability Insurance

Protects your club if a third party claims they have suffered personal injury or property due to the alleged negligence of the club.

Management Liability Insurance

This insurance helps cover a range of financial risks for your club’s directors and officers and can cover some of the costs associated with an employee stealing funds from the club.

Personal Accident Insurance

This cover is designed to offer some peace of mind to members of your club by helping cover costs related to a personal injury sustained whilst participating in an Insured’s activity.

Professional Indemnity Insurance

Protects your club against allegations of a breach of professional duty arising from negligent acts, errors or omissions whilst engaged in organised club activities. 

Who's Covered?

Coaches, administrators, voluntary workers, medical officers.

Insurer

QBE UK via Bowring Marsh

This is a claims-made policy, meaning the policy provides coverage when a claim is made against it, regardless of when the claim event occurred. This also means the policy only covers claims made while the policy is active.

National Insurance Program

What's Covered

For full detailed policy benefits and exclusions, please refer to the policy wording below.

Who's Covered?

Voluntary workers, committee members, judges, officials and administrators.

Insurer

QBE UK via Bowring Marsh

 

Limit of Liability

  • $20,000,000

Excess

  • $2,500 each and every claim for Property Damage

For full detailed policy benefits and exclusions, please refer to the policy wording below.

Who's Covered?

Committee members, directors, administrators, employees.

Insurer

Vero Insurance

This is a claims-made policy, meaning the policy provides coverage when a claim is made against it, regardless of when the claim event occurred. This also means the policy only covers claims made while the policy is active.

Directors & Officers

  • $20,000,000 limit of liability
  • $2,500 excess

Crime

  • $1,000,000 limit of liability
  • $15,000 excess

Employment Practices Liability

  • $5,000,000 limit of liability
  • $50,000 excess

Tax Audit

  • $25,000 limit of liability
  • $5,000 excess

Statutory Liability

  • $1,000,000 limit of liability
  • $25,000 excess

Workplace Health & Safety

  • $500,000 limit of liability
  • $50,000 excess

For full detailed policy benefits and exclusions, please refer to the policy wording below.

Who's Covered?

Coaches, administrators, voluntary workers, medical officers.

Insurer

QBE UK via Bowring Marsh

This is a claims-made policy, meaning the policy provides coverage when a claim is made against it, regardless of when the claim event occurred. This also means the policy only covers claims made while the policy is active.

Limit of Liability

  • $20,000,000 

Excess

  • $2,500 each and every claim

Who's Covered?

Voluntary workers, committee members, judges, officials, administrators.

Insurer

Accident & Health International

Non-Medicare Medical Benefits

  • $3,500 maximum per claim
  • 100% Reimbursement (subject to the maximum claim amount above)
  • $100 Excess

Loss of Income

  • 85% Net Income up to $500 per week
  • 14 Day Deferral Period
  • 104 Week Benefit Period

Death and Capital Benefits

  • $100,000 maximum
  • $25,000 maximum (aged under 19)

Additional

$1,000 Out of Pocket Expenses

Frequently Asked Questions

No, club members receive Public Liability cover only whilst engaged in activities organised and/or run by an affiliated club who elects to participate in the National Insurance Program. Should participants wish to obtain cover under the Personal Injury policy, they are encouraged to become EA State Branch members.

Certificates of Currency are provided by Marsh upon renewal to affiliated clubs who elect to participate in the National Insurance Program. Certificates of Currency are often requested by third parties such as a council or property owner as proof of insurance.

Please contact the team at sport@marsh.com if you need an Interested Party noted on your Certificate of Currency.

Whilst there is no protection for club property under the EA National Program, Marsh is able to assist with arranging additional insurance to cover an EA Club’s assets and property. Please contact the Equine Team at sport@marsh.com

Still have questions?

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

Marsh Advantage Insurance Pty Ltd (ABN 31 081 358 303, AFSL 238369) arranges the insurance and is not the insurer. When arranging insurance for you, Marsh will disclose to you the insurer and the basis upon which it acts. 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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