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Polo Club Insurance & USPA Polo Insurance

Polo Club Liability Insurance – Polo Clubs & Associations
Allen Financial Insurance Group & The Equestrian Group
USPA Polo Insurance 
By: Allen Financial Insurance

Polo Club Insurance - Polo - Polo Club - USPA Polo - USPA Polo Insurance


Polo Club Insurance - Polo - Polo Club - USPA Polo - USPA Polo Insurance

USPA Polo Club Insurance – Polo Club Liability Insurance 

The AFIG Polo Club Insurance Program was designed specifically for USPA Polo clubs and their affiliates.  Available in all 50 states, USPA Polo Club insurance is the largest and most comprehensive policy available. This flexible program offers an insurance policy specifically created for exposures unique to your polo club.  For as little as $750 per year our $1,000,000 liability policy will cover all owners, officers and club members if a law suit arises from an club activity.  Liability coverage is provided for all declared equestrian club activities including public events, boarding, instruction and owned or leased premises. Products, completed operations and personal advertising injury exposures are included in coverage.  Boarding, riding instruction, clinics and additional special events can be added by endorsement.  Coverage for buildings, personal property, automobiles and livestock can also be included in the policy.

Our basic policy premium automatically includes all members, member events and declared public event activity.  Activities held by and for the sole benefit of members are included and covered at no additional charge.  Directors, officers and members are automatically named additional insured’s in the policy definitions. Premises owners, government entities, sanctioning organizations and sponsors may be named as an additional insured by endorsement. Increased coverage limits are available up to $10,000,000.

Polo Club Insurance Policy Highlights

  • A+ rated U.S. insurance company
  • Full Occurrence Basis Liability
  • Up to $10 million liability limits
  • Liability coverage extends to the U.S., U.S. territories and Canada.
  • Products/Completed Operations coverage
  • Personal Injury & Advertising Liability
  • Blanket Additional Insured endorsement available
  • $100,000  Damage To Property of Others
  • $5,000  Spectator medical payments included.
  • Participant Liability &  Accident Coverage Option
  • Defense cost paid in excess of policy limit
  • Independent contractors can be added to policy
  • Care, Custody & Control Liability
  • Special Events Coverage

We also offer Group Accident & Medical coverage and Directors & Officers Errors & Omissions insurance to clubs and associations.

Occurrence    $500,000 to $4,000,000
General Aggregate    $1,000,000 – $5,000,000
Aggregate Products/Operations    $1,000,000 – $4,000,000
Personal / Advertising Injury
   $500,000 –$4,000,000
Medical    $5,000
Fire Legal Liability    $100,000

Horse Mortality & Major Medical Insurance

Whether you are looking to protect your investment or making sure your polo horse receives the best possible medical care Horse Mortality & Medical Insurance is one of the most cost effective ways to achieve both. 

Why Do I need Special Event Liability Insurance?
If you organize equine events, you know how much planning and effort is involved to make the occasion both safe and successful for everyone involved. Even with the most careful planning, unexpected situations can arise that you might not be prepared for.  Without adequate liability protection you will have to pay damages and defense costs yourself.  If the damages and costs are high enough you may suffer financial hardship or bankruptcy.
What Does The Special Event General Liability Policy Cover?
This policy was specifically designed to protect your event anywhere in the United States, it’s territories or Canada.  The general liability policy will pay the damages imposed upon you or your business by the law.  It also pays the cost of defending you when a claim is made against your policy.  Coverage is written on a full occurrence basis by an Admitted, A rated US insurance company and is tailored to fit your specific event needs.  The policy will also add the venue, sponsors, volunteers and co-producers as additional insured’s.
Certificate of Insurance vs Additional Insured Endorsement

When producing a special event you will often be asked to provide a certificate of insurance to verify the existence of insurance coverage under specific conditions.  More specifically, the document lists the effective date of the policy, the type of insurance coverage purchased, and the types and dollar amount of applicable liability.

Frequently, another party such as the venue or a sponsor will ask to be named as an additional insured on your policy.  The additional insured then enjoys the benefits of being insured under your policy your for negligent acts and omissions but not for his own negligence.

Please visit Additional Insured Endorsement explained for more detailed information.

What is the Difference between Host Liquor and Liquor Liability coverage?

Host Liquor Liability Insurance provides protection for the event holder against bodily injury or property damage suits brought by parties whose injuries arise from actions of an intoxicated event guest.  Host Liquor Liability coverage applies only if there is no transfer of money for alcohol or service/product packages that include alcohol. If there is any money changing hands and alcohol is served, Host Liquor Liability coverage does not apply, only Liquor Liability coverage will provide the proper protection. Host liquor liability insurance is included at no additional charge with an AFIG Event Liability Insurance Policy.

Liquor Liability or Dram Shop Coverage provides coverage and defense for an event holder who charges for alcohol and is sued for bodily injury or property damage caused by intoxicated event guests. If there is any money changing hands and alcohol is served, Liquor Liability coverage provides the proper protection. It also provides coverage if the event holder violates any statute, ordinance or regulation relating to the sale, gift, distribution or use of alcoholic beverages. Liquor Liability Insurance is an optional coverage available when purchasing an AFIG Event Liability Insurance.

What is Waiver of Subrogation?
Very often, a contract or lease agreement will require one or both parties to waive their rights of subrogation.  Subrogation means one party has the right to “step into the shoes” of another party for the purposes of bringing a claim for damages.  Suppose you experience a financial loss due to the negligence of a third party.  Normally you could sue the responsible party for full restitution but if your insurance company pays the claim your insurer is then subrogated to your claim against the negligent party.  In essence, your insurance company has been given your rights of recovery after paying your claim.  Before you sign a contract containing a waiver of subrogation, check with your insurance agent to be sure you are not violating any of the terms of your insurance policy.  If your policy will not permit a waiver, you may be in danger of losing your insurance coverage, leaving you without policy proceeds or a cause of action against the other party.  If the insurance company does permit a waiver of subrogation, it may be necessary to obtain an endorsement to the policy and, in some cases, pay an additional premium.

Polo Club Insurance

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or email below for more Polo Club Insurance – USPA Polo Insurance information.

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