Equestrian Association Insurance

Volunteers are included under the definition of ’employee.’ If a volunteer working under your supervision sustains an injury, Employers’ Liability insurance protects you.

Using a broker like SEIB, with over 60 years of experience in equestrian insurance, means you have a qualified professional managing your insurance needs. Online policies might be convenient, but they may not cover all aspects of your activities. Some insurers explicitly exclude claims related to animals and ridden animals. With SEIB, you have a dedicated claims service to assist you every step of the way. Defending a bodily injury claim can cost six figures before liability is even established.

Even if you don’t organise equestrian events directly, you still have liability exposure for any events held under your association’s name. Additionally, you have contingent liability for affiliated events conducted according to your rules and Employers’ Liability for volunteers. Remember, it’s your name on the line.

When you have a judging panel, you are recommending judges to attend affiliated shows on behalf of your association. These judges are considered employees by definition while operating under your rules at your affiliated events. Even if they also work for other classes or associations at the same event, you could be held liable for their actions when they’re representing you.

While your primary goal may be raising awareness rather than generating revenue, your association still faces significant liability risks. The efforts you invest in organising shows and promoting the equestrian world play an important role, and financial exposure for your association remains substantial. We work with insurers to provide comprehensive coverage for all your activities and serve as your single point of contact for insurance queries and concerns.