Your Questions Answered: Non-income Earning Insurance

I judge at competitions on weekend and the organising committee/club pay a nominal amount for my travel expenses and meal allowances

Yes, reimbursement of travel and meal allowances are not considered income earning equestrian activities

I judge at a competition and send an invoice for my services to the club/organising committee after the event for an amount which is for significantly more than reimbursement for my expenses

No, the club is reimbursing you for your services – this is classified as income earning

I am "paid" a small token of $50 of appreciation for a horse for an owner at an event

EA’s insurers do not consider this to be an income earning activity and as such, claims which arise from these activities would be covered.

Are professional riders being paid to ride and train horses for an owner covered?

No, Riders who are being paid to train or ride horses in competition are not covered for the activities for which they are receiving a fee. Competing purely for Prize money is covered but if you are earning through payments such as riding fees or sponsorship regardless of the result of competition then this would be considered an income earning activity and would not be covered

Can members be paid to transport horses for people are they covered if they get hurt by that horse?

The policy provides cover for equestrian activities excluding travel to and from such activities. As such, transporting a horse for a fee would not be covered, nor would transporting a horse for no fee (i.e road risk) as this would be considered travel to and from such activities.

If a horse is agisted at someone's place and they are hurt by this horse are they covered?

Agistment is not covered under the EA insurance policy, if a member is charging for agistment and injured by that horse they would not be covered.

Should an EA Member agist their horse at another person’s property, then this would not be considered an income earning activity of the member. If the member was injured whilst visiting their horse or was dragged into an action if the horse was to cause third party damage then this would be claimable. However it should be stressed that if providing agistment services for a fee this is not covered under the EA Insurance

When people ride my horse at an event to help me out and I give them some money for this one off time are they covered? 

EA’s insurers do not consider this to be an income earning activity and as such, claims which arise from these activities would be covered.

Am I covered riding someone else’s horse but not being paid to ride it? 

Yes