Public Liability insurance covers your liability for bodily injury or property damage to a third party.

Example — bodily injury: A coach instructs a rider in a lesson to move from a trot to a canter. The rider loses control, falls and is seriously injured, then sues the coach alleging they weren't ready to progress. The Public Liability policy pays the legal defence costs and any damages awarded against the coach or agreed in an out-of-court settlement. 

Example — property damage: During a lesson the rider falls and, although uninjured, the horse escapes into a car park and damages 10 cars. The vehicle owners' insurers seek recovery from the coach for the damage. The Public Liability policy pays the legal defence costs and any damages awarded or settled. 

Professional Indemnity insurance covers your liability for a third party's financial loss arising from a breach of your professional duty.

Example: EA publishes a new dressage test, a coach teaches it incorrectly, and the rider performs poorly at a competition. The rider claims a loss of prize money and a drop in their horse's value, and sues the coach for that financial loss. The Professional Indemnity policy pays the legal defence costs and any damages awarded or settled.

For the current excesses and full terms, see the policy documents in the Coaches section of the EA Insurance Hub.