National Insurance Program

Equestrian Australia Coaches

Learn everything you need to know about the insurance cover in place for EA registered coaches.

Program Coverage

As the Risk and Insurance Advisor for Equestrian Australia (EA), Marsh has developed a National Insurance Program to help protect members, coaches, clubs and officials across the EA community.

Public & Product Liability Insurance

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

Personal Accident Insurance

This insurance is designed to offer some peace of mind to coaches by helping cover costs related to a personal injury sustained whilst engaging in coaching activities. 

Professional Indemnity Insurance

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

National Insurance Program

What's Covered

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

Who's Covered?

EA accredited coaches who elect to participate in the National Insurance Program.

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?

EA accredited coaches who elect to participate in the National Insurance Program.

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?

EA accredited coaches who elect to participate in the National Insurance Program.

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
  • $3,000 Emergency Transport Benefit

Medicare vs Risk Protection

When it comes to reimbursement of Personal Injury claims, some people get confused about Medicare, the Medicare Gap and what is covered through the National Risk Protection Program.

Medicare is a Commonwealth Government programme that provides eligible Australian residents with free or low-cost medical and hospital care.

Medicare provides access to:

  • Free treatment as public (Medicare) patient in public hospital
  • Free or subsidised treatment by practitioners such as Doctors or specialists.

The medical benefits schedule (MBS) lists all treatments and Associated MBR relating to Medicare.

You can access the MBS at any time by Medicare’s website. Items commonly used by sports participants that are Medicare listed can include General Practitioners, surgeons and an anaesthetists.

The MBS lists a rebate amount for each Medicare Item.

 

Example: A short consultation with a Doctor = Medicare rebate of $15.36

However, doctors or specialists may charge more than the listed MBS amount.

The difference between was is charged and the MBS rebate is call the “Medicare Gap”

  1. The Doctor charges $45
  2. Medicare provides a rebate of $15.35
  3. Medicare Gap = $29.65 (our of pocket expense).

The Health Insurance Act 1973 (Cth) strictly prohibits any general insurer from insuring any item that is listed on the Medicare Benefits Schedule.

This also means that regardless of your out of pocket expenses, it is against the law for the insurer to cover the Medicare Gap.

So what does that mean?

If your medical or other treatment has a Medicare Item number, such as the doctor fee above, it is claimable on Medicare by is uninsurable and you may not claim for reimbursement.

In the example you cannot claim the $29.65.

If your medical or other treatment does not have a Medicare Item Number, you may claim for reimbursement through Marsh . For specific insurance and Risk Protection information please visit the making a claim section of this website.

Frequently Asked Questions

Yes, accredited EA coaches who have elected to participate in the EA National Insurance Program are covered to coach anyone as long as they are coaching within their accredited qualifications.

Further insurance may be required for coaches that perform equestrian business activities which sit outside the remit of coaching. These may include activities such as providing agistment services, horse training, operating a riding establishment and more. Please contact the us to discuss additional insurances for your business.

The Public Liability policy does provide limited liability cover to property owners, in circumstances where their involvement is required for legal action brought against you, due to coaching activities conducted on their property.

A property owner is NOT covered under your public liability policy for claims where they are found liable for injuries or damage to a third party or their property.

Yes, coaches with a policy obtained through the National Insurance Program are covered when it is required for you to ride in connection with a student lesson. However, in cases where your business extends to taking on clients horses for continued education and/or agistment, additional insurance will need to be purchased.

No, the program provides cover ‘whilst engaged in coaching’ and does not extend to additional business activities such as agistment, horse education, etc. Marsh are able to arrange a policy tailored to these individual needs, please contact the team for further information.

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. 

© 2022 Marsh Advantage Insurance Pty Ltd. All rights reserved.