Equine Insurance

Employer's Liability for HPA Members

Lycetts has been the ‘go-to’ polo insurance broker for many years and we are particularly proud of our long standing association with the Hurlingham Polo Association (HPA).

Our employer’s liability insurance policy for HPA members is designed to protect individual members of the HPA for their liability exposure as an employer of personnel working solely in polo. This insurance does not extend to cover any other type of employee employed by a member in whatever capacity. The maximum limit of indemnity is £10,000,000.


Employer’s liability is a legal requirement and ordinarily it is not available as a stand-alone policy. However, due to the connections that we have between the worlds of polo and insurance, a special deal has been negotiated to best serve HPA members.


Eligibility for this product is contingent on the HPA member being the applicant/employer in their own name as a private individual and not engaged in polo for any commercial business or gain. If this is not the case, this product is not suitable, as employer’s liability will have to be purchased in conjunction with public liability. Where this is the case, please contact us direct for further information.


At this stage, it must be fully understood that the cover is only valid provided:


  • The employee(s) is/are in the employment of the policyholder.
  • All of your employees employed in polo are insured under this policy.
  • The employee(s) is/are involved exclusively in activities directly involved with polo.


In no way does the policy extend to indemnify the policyholder for any third party damage or injury, or any ‘Player-to-Player’ cover.


Neither does this policy extend to indemnify any employer for an employee’s activity as a professional polo player injured whilst playing in a polo match.


If you would like a quote for this policy, please use this link to proceed to the Employer’s Liability Quotation Request form.

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How to claim employer's liability insurance.

In the event of a serious incident, please email or telephone your usual Lycetts contact with the details and the completed RIDDOR report form.


If you receive formal notification of a claim, please forward the letter by email or fax to your usual Lycetts contact. Please do not make any attempt to reply direct, even if the allegations are untrue. Please note that there is an obligation placed upon insurers to acknowledge receipt of a formal claim within 24 hours and it is therefore important that we receive it as soon as possible. For further information about equine property or equine claims, please click here.

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