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Posted by National Admin on 21/06/2022.

EA Official's Top Up Insurance for 2022/23

EA Officals Top Up Insurance for 2022/23 

Do you require Officials Top-Up Insurance?

If you earn an income for officiating or officiate at non EA affiliated events or events not insured through the EA Insurnace programme, then yes, you should consider this.

This benefit to your Equestrian Australia Official affiliation, allows you to take out additional insurance which will cover you for:

  • Personal Accident;

  • Public & Products Liability; and

  • Professional Indemnity whilst undertaking duties as an equestrian Official under your EA accreditation whilst you are earning an income or at non-affiliated events. Simply put, earning an income means you receive a payment for your services as an Official (Judge or Course Designer).

This is in addition to the cover which you hold through your EA Membership, and covers you 24/7 for any Non-Income earning (receiving NO payment) for your equestrian activities. Officials are currently covered for * Personal Accident; * Public & Products Liability; and * Professional Indemnity to officiate at club events provided the club has EA insurance.

This Top-up policy will cover you up to the level of your accreditation with Equestrian Australia. To be eligible for this insurance you will need to be a current EA member and hold a current EA Official accreditation.


The question is best answered by looking at the two key criteria:

  • What is considered officiating on behalf of an “EA Insured Club”
  • What is considered a “Non-Income Earning Equestrian Activity” for the purposes of the insurance policy?

By understanding these two criteria, it is easier to understand when and where the Officials Top Up is required.

EA Club Insurance

If an official is officiating at an EA Affiliated Club that holds the EA Club Insurance, the EA Club Insurance extends automatically to provide coverage to Officials. These officials do not necessarily need to be EA Members, they simply need to be appointed in line with EA’s requirements.

There is no requirement regarding income/non-income earning activity where cover is provided by the EA Club Insurance

The EA Club Insurance applies to all activities run by the relevant clubs for their competitions as well as any other organised club events (such as training days) which are run by the club.

Non-Income Earning Equestrian Activities

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 – such as Ag Shows), there can be additional coverage 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”.

With regards to Officials, it has been agreed between Marsh Australia, EA and Underwriters that reimbursement of incurred expenses is NOT income however if additional payments are made, this is considered income. As such, if an official is actually reimbursed for expenses such as Travel, accommodation, meals etc as an official, this is not considered an income earning. However if a per-diem or honorarium is paid on top of the reimbursement of actual expenses, this would be considered income earning.

(Remember, if this is an EA 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).


Considering the above, the Officials Top Up is required where someone is engaged in Income Earning Officiating and the EA Club insurance does not apply:

  Club holds EA Club Insurance Club DOES NOT hold EA Club Insurance
 EA Member: Non-Income Earning / Reimbursement of Expenses Only  Cover provided through EA Club and Membership   Cover provided through EA Membership
 Income Earning Activity (i.e. payment above reimbursement)   Cover provided by EA Club Insurance   EA Officials Top Up Required

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 Australia

You can contact [email protected] to arrange an online renewal. 

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