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Rates for Individuals
What you pay depends on:
- The highest category your activities fall into. (This is level of Public Liability you pay for.)
- Whether you just want Public Liability Insurance or whether you also need additional covers.
- You are covered from whenever your application is approved until the policy ends on the 12 October 2027.
public liability
performers equipment insurance
personal accident insurance
professional indemnity - teaching
professional indemnity - publishing
some examples
From 1 August 2026:
public liability
| What is the highest category your activities fall into? | Category 1 | Category 2 | Category 3 | Category 4 |
|
Existing members of the 2025/2026 policy renewing for the period 12 October 2026 to 12 October 2027 BEFORE 12 November 2026 |
$69 | $69 | $99 | $157 |
| New members or previous members not covered under last year’s policy joining before 12 October 2026 to be covered until 12 October 2027 | $82 | $82 | $114 | $180 |
optional high risk teaching extension
|
If you had High Risk Teaching cover in 2025/2026 |
Add $170 |
|
New members or previous members not covered for High Risk Teaching under last year’s policy joining before 12 October 2026 to be covered until 12 October 2027 |
Add $187 |
optional performer equipment insurance
|
If you had Performing Equipment cover in 2025/2026 and add it again in 2026/2027 BEFORE 12 November 2026 |
New members or previous members not covered under last year’s policy joining before 12 October 2026 to be covered until |
|
|
Option 1 - $5,000 (Limit $5,000 per item) |
$99 |
$108 |
|
Option 2 - $10,000 (Limit $5,000 per item) |
$132 |
$145 |
|
Option 3 - $20,000 (Limit $10,000 per item) |
$198 |
$217 |
|
Option 4 - $30,000 (Limit $10,000 per item) |
$264 |
$290 |
|
Option 5 - $50,000 (Limit $10,000 per item) |
$396 |
$435 |
optional personal accident insurance
members of the 2025/2026 policy renewing for the period 12 October 2026 to 12 October 2027 BEFORE 12 November 2026
|
Option 1 - |
Option 2 - |
Option 3 - |
|
$60 |
$85 |
$110 |
*Leisure relates to non-income-related, off-duty, or weekend activities.
new members or previous members not covered under last year’s policy joining before 12 October 2026 to be covered until 12 October 2027
|
Option 1 - |
Option 2 - |
Option 3 - |
|
$65 |
$93 |
$120 |
*Leisure relates to non-income-related, off-duty, or weekend activities.
optional professional indemnity - teaching
| $12 |
optional professional indemnity - publishing
| $130 |
examples
- You are a previous member but were not part of the 2025/2026 policy. You want to be covered as a face painter and magician. You use flash paper in your performance as a magician, so you also need to add in Fire Acts in Category 3. Your activities fall into Category 1 (Magician) and Category 2 (Face and/or Body Painter) and Category 3 (Fire Acts). You pay the rate for your highest activity, which is Category 3, making a total of $114 for your Public Liability cover.
- You are joining Duck for Cover for the first time. Welcome! You want to be covered for Public Liability as a Musician for your performing and teaching. You also want the highest level of Personal Accident Cover. You pay $82 Category 2 rate for your Public Liability, and add $120 for Personal Accident Option 3. The total you will pay is $202.
- You have been a member of Duck in the past, but not for the past two years. As you have started performing as an Aerialist, you need to join again. You will also be teaching aerial at a school, so require the High-Risk Teaching Extension. The school have requested you also add Professional Indemnity - Teaching. As you were not a member of last year’s policy, you would pay $114 for Category 3 Public Liability, $187 for the High-Risk Teaching extension to the Public Liability and $12 for your Professional Indemnity - Teaching Cover. The total would be $313.
- You were a 2025/2026 member covered as a Musician/Singer. This year you also want cover for your Performing Equipment for the first time. You have a few pieces of equipment, each worth less than $5000, but altogether, you will need $10,000 Performing Equipment cover. You would pay $69 for your Public Liability and add $145 for the Performing Equipment cover. The total would be $214.
- You are joining Duck for the first time and need Public Liability insurance for yourself as a dance teacher and for your contract as a choreographer. You will need to select Dancer in Category 2 as well as Choreographer in Category 4. You pay the Category 4 rate of $180.
- You are an existing 2025/2026 member wanting to renew your cover for the same as you had for the previous policy. You require Public Liability, in addition to the lowest options for Personal Accident Cover and Performing Equipment Cover. You are a Comedian and Trivia Host which are both Category One activities. You pay $69 for Public Liability, $60 for Personal Accident Option 1 and $99 for Performing Equipment Cover ($5,000). The total you pay is $228.
- You are a painter running art workshops and the venue you are hiring requires you to have Public Liability. This is your first time taking out cover. Your activity falls under Category 1 as a Visual Artist/Craft Artist, with a rate of $82. While completing the application, you decide to add the Musician/Singer activity in Category 2 for your solo performances. As activities in both Category 1 and 2 are $82, the total rate you pay remains $82.
- You are a previous member of Duck but haven’t had cover for a couple of years. You decide you want Public Liability cover for acting in addition to your work you have begun as a freelance set designer. You also want to take out some Personal Accident cover. You select Actor/Theatre Performer in Category 2 and Set Designer in Category 4. You pay the Category 4 rate of $180 for Public Liability. You choose Option 2 for Personal Accident cover, which adds $93. Your total is $273.