Officials are automatically covered if they are officiating at an EA Affiliated Club that has elected to participate in the EA National Insurance Program as long as they are appointed in line with EA’s requirements. The EA Club Insurance applies to all activities run by a club including competitions and any other organised club events such as training days.
Where an Official is not able to rely on the cover provided automatically from the EA Club Insurance (i.e. if the Club does not hold cover through EA or the event is not held under EA rules such as an Ag Show), coverage may be available from their insurance as an EA Member. The policies provided to EA Members (via State Branch Membership) provide cover whilst the member is engaged in “Non-Income Earning Equestrian Activities”.
The Reimbursement of incurred expenses is NOT income; however, if additional payments are made to the Official for their services, this is considered income. If the Official is engaging in an EA Insured Club Activity, then the fact that it may be income earning is not relevant, as the Club Insurance does not require the officiating to be Non-Income Earning.
In Summary, the EA Officials Top-Up Cover is required if the Official is engaging in Income Earning Officiating and the EA Club Insurance does not apply. The above information is a general summary of the EA Insurance Plan only and should be read in conjunction with the actual policy documents available from Marsh.