Voluntary Workers Personal Accident Insurance for Groups

For a reasonable additional premium, you can protect your volunteers' income if they are injured while performing or rehearsing for your group.

A volunteer is defined as an insured person who is engaged in authorised voluntary work on behalf of the insured group  (including direct travel to and from such voluntary work).

All volunteers engaged in the activities of the performing group are included. This would include staging, sound, lighting, props, etc. as well as performers. 

This policy is optional and is exclusive to Duck for Cover Members.

The policy covers volunteers for their lost income limited to 85% of usual income up to the policy limit of $500 per week  (they will need to substantiate their lost income in the event of a claim).

No cover is provided for Pre-existing Conditions. No cover is provided for Sickness.

The Duck Member Voluntary Workers Insurance policy is insured with AFA Insurance (secured by Zurich Insurance for the 2024-2025 Insurance year).

Cover	Limit
Part A - Accidental Death and Capital Benefits
- Sum Insured	$50,000
Part B - Weekly Injury Benefits
- Percentage of Salary	85%
- Maximum per week - earnings	$500
- Maximum Benefit Period	52  weeks
- Excess Period	14 Days
Part C - Injury resulting in surgery
- Sum Insured	$5,000
Part D - Injury resulting in Fractured Bones
- Sum Insured	$1,000
Part E - Injury resulting in loss of teeth or dental procedures
- Sum Insured	$1000 ($250 per tooth)
Insured Extensions
- Childcare Benefit	$5,000
- Tuition or Advice	$500 per Month Up to 6 months
Student Home Tutorial	$500 per week  Up to 26 weeks
Post-Traumatic Stress Disorder Weekly Benefit	$500 per week for a maximum of 12 weeks $50,000 aggregate

Please contact the office for further information about this policy.