Duck For Cover
Entertainers' Group Inc.
If you've come to this site looking for cheap liability cover,
there are some things you must understand before you go any further.
Please read the following carefully...
Why is Duck for Cover?
There is risk associated with being a performer, for example, where members of the public are involved. Public liability insurance cover can help you reduce that risk.
Because of possible risks to them, employers may insist that you show evidence of liability cover as a condition of engagement.
What is Duck for Cover?
Duck for Cover is an incorporated, non-profit association of performers which makes available cost-effective public liability insurance cover for its members.
Duck for Cover is not an Australian financial services licensee, representative or related body corporate of an Australian financial services licensee, an insurance broker or an insurer. We do not represent any insurer or broker.
Once each year, Duck for Cover sources, through a broker or insurer or both, a public liability insurance policy that provides cost-effective cover for our members. We then take out a group policy that covers existing and new members. Having a group policy means that while the policy is in place, all members including new ones have to accept the terms of the policy as set out by the insurers and their brokers.
Members and other performers who are eligible for membership and who wish to enjoy the benefit of this group policy can apply to Duck for Cover and we'll refer your application to the broker we use.
All decisions regarding members' eligibility or suitability for public liability insurance cover are made with the insurance broker and/or the insurance provider directly.
Details of our current insurers and brokers are given on the Information Page.
Applicants for membership are required to pay a membership application fee which includes our annual administration fee, a joining fee (which you pay only once if you remain a financial member), and the cost of insurance cover to you. The cost of insurance cover to you will depend on the category of insurance cover that you nominate for.
Duck for Cover forwards the money you pay for insurance to the broker on your behalf if your application for insurance is successful.
The only money Duck for Cover receives is the annual administration fee (apart from a small amount of interest from our bank account) and the joining fee. We use that money for Duck for Cover's administration purposes and running costs etc.
If your application for membership with Duck for Cover or application to the insurer for insurance is unsuccessful Duck for Cover will refund the total membership application fee to you.
Other stuff you should know
If you have been told by an agent or employer that you must join Duck for Cover, they have misinformed you. They can insist that you obtain public liability cover for a job or employer but may not tell you where to obtain it.
We are an incorporated association of entertainers and in no way are we financial experts or professionals. Whilst we welcome new members, we don't advertise and we won't pressure you to join Duck for Cover. The choice is entirely yours.
There are a number of insurers who offer liability cover for performers and, before joining us, you should contact insurance brokers to find what products are on the market and make your own assessment.
If you want advice or anything else to do with public liability insurance, you should contact an insurance professional who is licensed to give you the advice and services you need.
OK, thanks for reading all that. It is important that you understand what's what. Click on the link below to go to Duck's home page.
