Public Liability Insurance provides cover for your liability for Bodily Injury and Property Damage to a Third Party.

An example of a potential Public Liability claim for Bodily Injury against an EA Coach would be where a rider was in a lesson and a coach instructed the rider to progress from a trot to a canter. In doing so, the rider lost control of the horse and fell, suffering a serious injury. The rider then sues the coach alleging that the coach was negligent in progressing them from a trot to a canter when they were not ready. The Public Liability policy will pay the defence costs incurred in providing legal defence to the coach and also pay any damages that are payable in the event of a judgement against the coach or an out of court settlement. Nil excess applies to Public Liability claims for Bodily Injury.

An example of a potential Public Liability claim for Property Damage against an EA Coach would be where a coach was giving a lesson and instructed the rider to progress from a trot to a canter. In doing so, the rider lost control of the horse and fell. Whilst the rider was not injured, the horse escaped into the car park, damaging 10 cars. The vehicle owners make claims through their Motor Vehicle insurers who then seek recovery from the coach for their negligence in causing the damage. The Public Liability policy will pay the defence costs incurred in providing legal defence to the coach and also pay any damages that are payable in the event of a judgement against the coach or an out of court settlement. An excess of $2,500 applies to Public Liability claims for Property Damage.

Professional Indemnity provides cover for your liability for Financial Loss to a third party arising out of a Breach of your Professional Duty.

An example of a Professional Indemnity claim against a coach would be where a new Dressage Test is published by EA. A coach incorrectly teaches this test resulting in a poor performance by a rider at a competition. The rider alleges that they suffered a loss in prize money and that this also impacted the value of their horse. The rider sued the coach for this financial loss. The Professional Indemnity policy will pay the defence costs incurred in providing legal defence to the coach and also pay any damages that are payable in the event of a judgement against the coach or an out of court settlement. An excess of $2,500 applies to Professional Indemnity Claims.