1 The Arabian Horse Society of Australia Ltd AFFILIATE ORGANISATIONS INSURANCE 31 December December 2015 The Arabian Horse Society of Australia Ltd (AHSA), together with Gow-Gates Insurance Brokers and Lloyd s of London Insurers, has arranged an Insurance Programme to benefit all Affiliate Organisations and their members. Approved Activities Halter Ridden Classes Carriage / Harness Lead Line Costume Dressage Trail Rides Endurance Working bees Sporting Events in accordance with Sporting Horse Australia Rule Book Education / Clinics Show Jumping Eventing Australian Classes Western Events Barrel Racing Campdrafting Natural Horsemanship Social Activities Fundraising Administrative Duties Committee Meetings AGM s Polo & Polocrosse Liberty Youth Program PUBLIC & PRODUCTS LIABILITY Who? Members of AHSA Affiliate Organisations and Registered Participants Voluntary workers Committee Members, judges, officials, administrators What? compensate third parties for personal injury or property damage. compensate third parties for personal injury or property damage. compensate third parties for personal injury or property damage. When? AHSA Affiliate Organisation Registered members, officials and voluntary workers. Those who are members, Registered Participants, officials and voluntary workers of AHSA Affiliate Organisations are covered whilst attending events organised and/or run by an AHSA Affiliate Organisations and participating in approved club activities authorised and/or sanctioned by the Arabian Horse Society of Australia Ltd. where they are liable for causing bodily injury or property damage to others. This policy does not cover liability whilst travelling to and from such event. If a Member of an AHSA Affiliate Organisation pays the relevant fee to upgrade to the AHSA Members Insurance Package, the cover automatically extends to the full 24/7 cover.
2 ASSOCIATIONS LIABILITY What does the policy cover? This policy is designed to provide cover for the downsides that occur in the running of an association. The cover available is arranged into different policy sections: (i) (ii) (iii) (iv) (v) Management Liability; Corporate Liability; Employment Practices Liability; Crime Protection; Statutory Liability. Management Liability Management Liability is designed to provide cover for liability arising from any actual or alleged act, error or omission of any Office Bearer or arising solely because of any person s status as an Office Bearer. Corporate Liability Corporate Liability is designed to provide cover for liability arising from any actual or alleged act, error or omission of an Association except with respect to any Employment Practices Liability, Third Party Liability or Membership Liability. Employment Practices Liability (EPL) EPL is designed to provide cover for liability arising from any actual or alleged act, error or omission with respect to any employment of any past, present or future Employee or Insured Person of any Association; or any prospective employment of any person. Crime Protection This section is designed to provide cover for employee fraud and dishonesty, third party crime and destruction and damage of money and negotiable instruments. Statutory Liability This section is designed to provide cover for fines or pecuniary penalties pursuant to any Statute which you become legally liable to pay as a result of a breach of Management Liability, Corporate Liability or Employment Practices Liability. The aggregate limit of liability is $2,000,000. The limit available under each policy section is: (i) Management Liability - $2,000,000; (ii) Corporate Liability - $2,000,000; (iii) Employment Practices Liability - $2,000,000; (iv) Crime Protection - $1,000,000; (v) Statutory Liability - $1,000,000. Some sub-limits apply and we refer you to the policy wording for a complete list of limits of liability. In the event of a claim Associations Liability is a claims made policy and the prompt notice of claims is imperative. Notify Gow- Gates as soon as you: (i) Become aware of a problem which involves a loss or potential loss to an office bearer or the club; (ii) Receive a verbal or written complaint which is likely to give rise to a claim (as defined in the policy).
3 PERSONAL ACCIDENT VOLUNTARY WORKERS Cover provided for voluntary workers for accidental injury sustained when actively engaged in AHSA or Affiliated Club organised activities, including necessary direct travel to and from the voluntary work. Cover does not apply when horse riding, unless carried out in the capacity of an official AHSA Judge or Mounted Steward. Registered volunteers aged between 5 and 80 years of age. Capital Benefits PART A INCOME EARNING NON INCOME EARNING PART B DEATH & CAPITAL AS PER TABLE OF BENEFITS Up to a maximum of $50,000 but limited to $10,000 for Accidental Death in respect of volunteers under 18 years of age. Up to a maximum of $50,000 but limited to $10,000 for Accidental Death in respect of volunteers under 18 years of age. WEEKLY BENEFITS INJURY (TEMPORARY TOTAL DISABLEMENT) INCOME EARNING 85% of earning up to $500 per week payable up to 104 weeks from the date of injury unless otherwise stated with a nil excess. NON INCOME EARNING Not available to non-income earners. Other benefits applicable as shown. Additional Benefits Non-Medicare Medical Expenses 100% Reimbursement $5,000 maximum per claim $50 excess Funeral Expenses If a registered volunteer suffers an Accidental Death this policy covers the expenses of burial or cremation and the cost of returning the volunteer s body or ashes to their country or place of residence up to a maximum of $5,000. The entitlements listed below are not available to income earners. Student Tutorial Cost If you are a student and suffer an injury and you are unable to attend classes insurers will pay for the cost incurred for home tutorial up to $200 per week payable from the 8 th day of treatment for a maximum period of 26 weeks provided that such fees are carried out by persons other than members of the volunteers family or other relatives.
4 Emergency Home Help If you are retired, unemployed or not in receipt of a salary and suffer from an injury and unable to carry out domestic duties, we will pay for the cost of hiring domestic help and/or child minding services up to $200 per week payable from the 8 th day of treatment for a maximum period of 26 weeks. Domestic Duties means the usual and ordinary domestic duties undertaken by someone as a homemaker and could include child-minding and home help services. Child-minding services and domestic help must be carried out by persons other than members of the Insured Person s family or other relatives or persons permanently living with the Insured Person. Out of Pocket Expenses This policy covers reasonable out of pocket expenses incurred as a result of the injury up to a maximum of $1,000 payable upon receipt of original receipts for such expenses. Physical damage to property is not covered. SCHEDULE OF BENEFITS THE EVENTS - Injury resulting directly in the following Event(s), which occur within twelve (12) months of the date of the Injury: THE BENEFIT - Being the percentage of the amount shown in the Schedule against Death & Capital Benefits for each insured person THE EVENTS 1. Accidental Death 100% 2. Permanent Total Disablement (Replaced by Event 3 in respect of insured persons over 65 years of age or non-income earners) THE BENEFITS 100% 3. Paraplegia or Quadriplegia 100% 4. Loss of sight of both eyes 100% 5. Loss of sight of one eye 100% 6. Loss of use of two limbs 100% 7. Loss of use of one limb 100% 8. Permanent and incurable insanity 100% 9. Loss of hearing in: - (a) both ears 80% (b) one ear 20% 10. Permanent Loss of Use of four Fingers and Thumb of either Hand 80% 11. Permanent Loss of the lens of one eye 60% 12. Third degree burns and/or resultant disfigurement which covers more than 40% of the entire external body 50% 13. Permanent Loss of use of four Fingers of either Hand 50% 14. Permanent Loss of use of one Thumb of either Hand:- (a) both joints (b) one joint 30% 15%
5 15. Permanent Loss of use of Fingers of either Hand:- (a) three joints (b) two joints (c) one joint 10% 7.50% 5% 16. Permanent Loss of use of Toes of either Hand:- (a) all one foot (b) great both joints (c) great one joint (d) other than great each Toe 15% 17. Fractured leg or patella with established non-union 10% 18. Shortening of leg by at least 5cms 7.50% 19. Permanent Partial Disablement not otherwise provided for under Events 5 to 18 inclusive. (Not applicable to persons over 65 years of age or non-income earners). Such percentage or amount as insurers in their absolute discretion shall determine and being in their opinion not inconsistent with the benefits provided under Events 2 to 18 inclusive. Event 19 is limited to a maximum of $50,000. Weekly Benefits 20. Temporary Total Disablement During such disablement, the Weekly Benefits shows on the Schedule against Weekly Benefits Injury, but not Exceeding 85% of the Salary of the Insured Volunteer. 5% 3% 1% * 21. Temporary Partial Disablement 40% of the amount payable for Event 20. In the event of a claim If the volunteer is claiming for weekly benefits please supply the following: Proof of earnings Supporting Medical Certificates If the volunteer is claiming for Non-Medicare Medical Expenses the following apply: The expenses must be incurred within 12 months from the date of the injury. $50 excess applies to each and every claim. No expenses claimable under Medicare are covered by this insurance, including the Medicare gap. It is mandatory to submit your expenses through your Private Health Insurance Fund first before submitting to Gow-Gates. Ensure documentation can be provided to prove the injured volunteer was recorded on duty on the day of the injury and provide details of the activities for which they were assigned. This summary is prepared as a guide only and in no way affects, alters or overrides the Terms, Conditions and Limitations of the Policies that set out the basis of the Insurance. For full details of cover, terms and conditions refer to the Policies.