Australian Stock Horse Society

ASHS.com.au

ASHSxAffinity

Mon – Fri 8:30am - 5:00pm AEST

Who is insured?

The Australian Stock Horse Society (ASHS), including all affiliated branches, committees, members, voluntary workers and officials.

What cover is currently arranged?

Public Liability

All affiliated branches, committees, members, temporary members, voluntary workers and officials

Personal Accident

All registered members, including temporary and non-riding members of the ASHS while participating in an ASHS sanctioned event

Voluntary Workers Personal Accident

All directors, volunteers and officials

Where are we covered?

At ASHS sanctioned events*, social functions, meetings, fundraisers and working bees held anywhere in Australia.

*sanctioned events include those listed on the ASHS National Calendar

This summary is prepared as a guide only. For full terms and conditions, refer to the policy documents or contact the ASHS for clarification.

Personal Accident

Personal Accident insurance is designed to help provide income protection and capital benefits to members and volunteers who are injured whilst participating in an Australian Stock Horse Society (ASHS) sanctioned event, subject to the terms, conditions, limits and exclusions of the policy. The association provides this benefit to help provide financial relief and support in the event of an eligible injury during a sanctioned event.

Personal Accident PDF

Contact ASHS

This summary is prepared as a guide only. For full terms and conditions, refer to the policy documents or contact the ASHS for clarification.

Who is insured?

Members – All registered members, including temporary and non-riding members of the ASHS while participating in an ASHS sanctioned event, this includes whilst travelling to or from the event.

Directors, volunteers and officials –  Those assisting with the preparation, running and packing up of a sanctioned event, this includes whilst travelling to or from the event. Voluntary workers also include judges or those in a similar capacity.

Members – Summary of Benefits - (All registered members, including temporary and non‑riding members)

Voluntary Workers – Summary of Benefits - (Nominated directors, judges and voluntary workers of the ASHS while undertaking voluntary activities for the ASHS)

Personal Accident - Frequently Asked Questions

Here are some FAQ’s most commonly asked by other customers.

This summary is prepared as a guide only. For full terms and conditions, refer to the policy documents or contact the ASHS for clarification.

Contact ASHS

If you are unable to work due to an injury sustained at an ASHS sanctioned event, the Personal Accident policy may provide a weekly loss of income benefit, subject to the applicable waiting period, benefit period and policy limits. The policy also provides cover for Non‑Medicare Medical Expenses (for example, physiotherapist, chiropractor, osteopath), again subject to the terms and conditions of the policy.

The following is a general statement only and the position may vary depending on individual policy terms and conditions. If you have multiple Personal Accident or Income Protection policies, you may be able to claim on more than one, provided you do not claim more than the actual loss. Death or permanent disability compensation would be paid up to the policy limits on all current policies. However, you will generally need to claim on your other policies first before you can claim on this policy.

This summary is prepared as a guide only. For full terms and conditions, refer to the policy documents or contact the ASHS for clarification.

Public Liability

The public and products liability policy is designed to provide cover to the Australian Stock Horse Society (ASHS) in the event it is found legally liable to pay compensation for bodily injury or property damage to third parties in connection to the Association’s insured events and activities, subject to the terms, conditions, limits and exclusions of the policy.

Public Liability PDF

Contact ASHS

Aon Risk Services Australia Limited (ABN 17 000 434 720 AFSL 241141) act as agent for Liberty Specialty Markets (ABN 61 086 083 605) and authorise Affinity Insurance Brokers Pty Ltd (ABN 15 091 944 580 Authorised Representative No. 1288354) to provide financial services on its behalf under this authority.

Who is insured?

The Australian Stock Horse Society (ASHS), including all affiliated branches, committees, members, temporary members, voluntary workers and officials.

Public Liability Summary of Benefits

Limit of Liability - $20,000,000

Cover extended to Affiliated Branches

Cover extended to Volunteers and Officials whilst conducting their role on behalf of ASHS or their affiliated branch

Member to Member Cover

Participation Risk

First Aid Treatment

Care Custody and Control Limit - $250,000

Care Custody and Control Limit – Injury to Horse $1,000,000

Financial Loss Cover: Limit of Liability $2,000,000

Statutory Fines and Penalties: Limit of Liability $2,000,000

Excesses

AUD1,500 each and every Occurrence (costs inclusive).

AUD2,500 each and every Occurrence (costs inclusive) in respect to trail riding.

Other than in respect of claim for Injury to contractors, subcontractors and/or labour hire workers for which the Deductible is AUD25,000 any one Occurrence (costs inclusive).

ASHS and Affinity Partnership

Affinity Equine Insurance and the Australian Stock Horse Society have worked together for over 20 years to support members of the society and their horses.

As a member of the ASHS you and your family get access to these benefits and resources.

Public Liability - Frequently Asked Questions

Here are some FAQ’s most commonly asked by other customers.

This summary is prepared as a guide only. For full terms and conditions, refer to the policy documents or contact the ASHS for clarification.

Contact ASHS

If an incident arises, the branch should first inform the ASHS National Office by lodging an Incident Report Form. The ASHS will then forward this to Affinity.

Affinity has a dedicated claims team specialising in liability and personal accident claims and manages claims on behalf of the ASHS. Affinity will seek to investigate the circumstances and determine whether a claim should be settled or defended. If settled, it aims to resolve claims as promptly and efficiently as possible. If defended, Affinity will take appropriate steps to help protect the interests of ASHS branches and members.

A Certificate of Currency confirms the insurance cover in place. It is often requested by a third party (for example a property owner, council, land owner or government department) as proof of the ASHS’s insurance. They may also request to be noted as an interested party.

It is important to note that an “Interested Party” is not the same as an “Insured” party as this would provide such person or entity full cover, which is not the intention of the Policy.

Noting a person or entity as an Interested Party is intended to provide limited protection for vicarious liability only, in the event they are brought into an action purely as a result of the ASHS’s negligence.

The policy will not respond to protect the Interested Party for their own direct negligence in contributing to the claim.

Any individual, including members, may make a liability claim against the ASHS if they are injured or suffer damage to their property at an ASHS sanctioned event, provided that the injury or damage resulted from the ASHS’s alleged negligence.

This policy not only protects the ASHS if it is found legally liable to pay such a claim, it also includes the cost of defending the claim where it is considered that the injury or damage was not the result of any negligence on the part of the ASHS.

(Note: any claims made under the ASHS Personal Accident Policy are no fault claims, negligence does not need to be considered)

In conjunction with the ASHS, Affinity has developed an event checklist for branches. The checklist provides prompts for all of the areas that should be addressed when preparing for and running an ASHS event.

A risk assessment of all activities should be undertaken prior to any event. The ASHS National Office is in regular communication with Affinity to assist with any issues that might arise. The desired outcome is that each branch runs a safe and well‑managed event or training day, minimising the potential for injury to third parties. The checklist also provides documented evidence of the work undertaken by ASHS branches to ensure safety.

Contractors are not covered under the public liability policy and are required to hold their own insurance. For example, any coaches receiving remuneration for their coaching as a contractor are required to have their own public liability insurance.

Private events, including coaching (which are not ASHS sanctioned events and may involve non‑members) are not covered. Coaches who offer these services should obtain their own individual public liability insurance (they can contact Affinity for assistance).

For example, if a branch offers clinics and contracts an individual to run the clinic, this would be deemed the coaches clinic, and is not a ASHS sanctioned event. In this situation, branches should obtain a Certificate of Currency from the contractor.

General Advice Warning

This information contained on this website is general in nature and should not be relied on as advice (personal or otherwise) because your personal needs, objectives and financial situation have not been considered. Before deciding whether a particular product is right for you, please consider your personal circumstances, as well as any applicable Product Disclosure Statement, Target Market Determination and full policy terms and conditions, available from AIB & Aon on request. All representations on this website in relation to the insurance products we arrange are subject to the full terms and conditions of the relevant policy.

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Access to a specialised Australian based service team, only a phone call away
Guided claims submission and technical advice
Competitive premiums and coverage.
Access to insurance specialists to help with questions regarding coverage.
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