How are EA Officials Covered?

EA Officials are afforded cover under their EA MEMBERSHIP and also through the EA CLUB INSURANCE.

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.

EA Membership

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 Gow-Gates, 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).

When is EA Officials Top Up Required?

EA understands that not all Officials are captured by the cover available under the Membership and Club insurances. As such, the EA Officials Top Up cover is available.

The EA Officials Top Up is required where you are engaged in Income Earning Officiating and where the EA Club Insurance does not apply.

The EA Officials Top Up Includes the following policies:

  • Personal Accident – Coverage in line with the limits available through EA Membership
  • Public & Products Liability – $20,000,000
  • Professional Indemnity – $20,000,000

In order to take out the EA Officials Top Up cover, please contact EA.


The below table outlines the various scenarios that an official may encounter and how the various EA Insurance policies respond.

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

If you would like further information on the EA Officials Top Up, please contact Gow-Gates.