An established not-for-profit association
WELCOME TO DUCK FOR COVER!
Duck for Cover is a not for profit association that exists to provide low cost Public Liability cover for performers. We also offer the option of adding Personal Accident, Performing Equipment and Professional Indemnity Cover policies to your cover.
See below for some major policy features or click through to Policy Information for a breakdown of the benefits and detail.
If you have any questions, just contact the office!
ARE YOU THINKING OF JOINING NOW?
The 2014/2015 Duck for Cover policy ends on the 12th August, 2015. If you join now, you will be covered until that date, regardless of when you joined. You, of course, are very welcome to join Duck now if you need the cover before the 30th June this year.
However! The new (2015/2016) policy commences on the 1st July, 2015 and will run until the 12th August 2016. If you don’t have any performances you wish to be covered for before the 1st July, 2015, you may wish to postpone joining until that date.
Please call the office if you have any questions.
PREMIUM DISCOUNTED AFTER 12 FEBRUARY 2015
New members joining Duck after 12 February 2015 will be eligible for a small premium discount for joining the Public Liability policy and the optional Performing Equipment policy. This is provided by the insurers in recognition of the significant reduction in policy term remaining for members joining at this time. This discount will also be available for Theatre Group Cover and Community Performing Group cover.
NEW FOR 2014/2015 POLICY!
The 2014/2015 policy has commenced from 1st July, 2014. This policy will run until the 12th August 2015.
TEACHING AND WORKSHOPS - NEW ACTIVITIES INCLUDED
Members will continue to receive Public Liability cover for Teaching and Workshops for most of their activities at no additional premium.
However, some activities obviously require a much higher duty of care to the workshop participants and have been excluded from this automatic Workshop cover. The excluded activities are specifed as Acrobat, Aerial Performance, Bed of Nails, Parkour, Sword Swallowing, Angle Grinding acts, Cooking, Fire Acts, Own Body Piercing, and Roller Skating/Skateboarding.
From 1 July 2014 you will be able to extend your Public Liability cover to include teaching for some of these previously excluded activities.
PROFESSIONAL INDEMNITY COVER AVAILABLE
To meet the needs of some of our teaching members, Duck for Cover asked our insurance broker to arrange a simple and low-cost Professional Indemnity Insurance option as an optional extra to your Duck for Cover membership.
The policy is designed to help you comply with contracts you might enter with governments or schools who require you to have this cover.
Your Public Liability policy will continue to cover Bodily Injury or Property Damage arising out of your teaching activities and this extra cover is intended to cover claims made against you relating to financial losses allegedly suffered by the claimant.
PERFORMING EQUIPMENT COVER - EXTENSION AVAILABLE
Duck for Cover asked our insurance broker to arrange a simple and low-cost Performing Equipment Insurance extension as an optional extra to your Performing Equipment cover.
The standard Performing Equipment policy is designed to cover your performing equipment (including electronic equipment, props, sets, and costumes) while in transit, or while temporarily in storage (including at home) against Theft by forcible entry into a securely locked vehicle, home or temporary storage location, collision, or overturning of a vehicle, fire, explosion, lightning or flood.
From 1 July 2014 you can extend your Performing Equipment cover to include Accidental Damage and World Wide Cover.
COVER FOR ARTISTS
Again, as a result of requests from members, your work as an Artist (including drawing, painting, sculpture, writing, craft) can now also be covered under the Duck for Cover policy.
VENUE HIRE CAPACITY INCREASED
In recognition of the excellent claims experience under the Duck for Cover Members Public Liability Insurance policy, Allianz insurance have agreed to expand the scope of cover to include members hiring venues to stage their performances with a limit increased from 150 estimated attendees to 300 estimated attendees. There is no additional premium payable for this extension. Check the Venue Hire page for detail.
The income threshold has increased from $150,000 to $250,000.
PERSONAL ACCIDENT INCOME COVER CHANGES
The Personal Accident policy is optional for the 2014/2015 policy and covers lost Performance Income and lost Workshop Income and has increased from $500 per week to $600 week maximum benefit.
Broker and Insurer
Broker: IC Frith - Underwriter: Allianz Australia
Duck for Cover have appointed IC Frith Insurance Brokers to look after our insurance arrangements with effect from 1 July 2009. All existing claims and all new claims will now be handled by IC Frith.
Public Liability Insurance policy will continue to be arranged through Allianz Australia Insurance Ltd.
The Personal Accident Insurance policy will continue to be arranged through Accident & Health (agents of CGU Insurance).
The Performing Equipment Insurance policy will change insurers to Hollard Insurance with effect from 1 July 2014.
EXISTING COVER BENEFITS
WAIVERS ARE NOT REQUIRED BY WORKSHOP PARTICIPANTS
The Duck for Cover members Liability policy does not require workshop participants to sign waivers.
While waivers have the potential to prevent or reduce liability claims, making a signed waiver an insurance policy condition could potentially leave you uninsured. Remember, it could be many years after you provide a workshop that you receive a solicitor’s letter advising that an incident occurred. If a signed waiver is required, you would now need to find the claimants signed waiver in order to be able to lodge a Liability claim.
Overseas performers are very welcome to join Duck for Cover to cover them for their Public Liablity while they are performing in Australia.
Important Note for Agents and Artist's Managers
Or anyone seeking to apply on behalf of another person
AGENTS AND MANAGERS: The application for insurance is a legal document and may only be signed by the applicant. If you do so for the applicant you are liable to criminal charges. The final 'SUBMIT' button in the on-line applications process is seen as a legal signature of the named person in Australian law.
The only person who should be filling out the online application is the individual seeking cover.
Members of the 2013/2014 policy
You can renew your membership any time from 1st July, 2014. You will be covered under the new insurance program from the date your application is approved by Duck for Cover. You will remain insured until the renewal date of 12 August, 2015.
REMEMBER! If your application is received on or before the 12th September, 2014, you are entitled to the Early Bird discount rate.
former members who were not on last year's policy.
You can be covered under the insurance program from the 1st July, 2014. You will be covered from when your application is approved by Duck for Cover.
You will remain insured until the renewal date of 12 August, 2015.