A not-for-profit association providing low-cost insurance options for performers and artists
 

Rates for Individuals

The prices will be adjusted over the course of the policy year in recognition of the shorter time remaining on the policy. We'll let you know when the cheaper rates become available. 

All Duck for Cover members are covered under Public Liability policy.

The other policies are optional additional policies exclusively available to members covered under the Public Liability cover. They cannot be taken out independently.

Public and Products Liability Cover (Individual)
Personal Accident Cover (Individual)
Performing Equipment Cover (Individual)
High Risk Teaching Extension (Individual)
Professional Indemnity Cover (Individual)
Theatre Group and Community Performing Group Rates

payment

What you pay depends on:

  • Whether you were a member of the 2020/2021 Duck for Cover policy.
  • The highest category your activities fall into. (This determines the level of Public Liability and Personal Accident cover you pay for.)
  • Whether you just need Public Liability Insurance or whether you also want additional covers.
  • Check out some examples of how it works.

For all covers, your cover is in place from whenever your application is approved until the policy ends which is 12th October, 2022.

public and products liability cover (individual)

Information on Public and Products Liability is available here

For individual cover, you pay the rate for the highest category that your activities fall into and whether you were a member of last year's policy.

MEMBERS OF THE 2020/2021 POLICY
If you were a member of the 2020/2021 Duck policy and want to renew for the 2021/2022 policy, the rates are currently:

CATEGORY 1 $ 79
CATEGORY 2 $ 79
CATEGORY 3 $ 109

NEW MEMBERS AND MEMBERS NOT ON THE 2020/2021 POLICY
If you are joining Duck for Cover, and want to be covered from when your application is approved until 12th October 2022, the rates are:

CATEGORY 1   $ 83
CATEGORY 2  $ 83
CATEGORY 3 $ 116

personal accident cover (individual)

This is an optional additional policy available to individual members covered under the Public Liability policy.

This is a tiered coverage structure which offers reasonable Personal Accident insurance premiums, but also recognises the different income protection needs of individual members. The rate you pay for Personal Accident cover depends on the category your activities fall into and also the level of cover you choose (Option 1, 2 or 3). All activities fall into the same Category as your Public Liability cover.

Information on Personal Accident cover is available here


The rates for individual Personal Accident Cover are as follows:

Premiums (including all charges) Option 1 Option 2 Option 3
CATEGORY 1  $33 $55 $77
CATEGORY  2 $41 $70 $100
CATEGORY 3                                          $48 $86 $123

performing equipment cover (individual)

The Duck Members Performing Equipment policy is not currently available to new members due to a change in Underwriting Guidelines by Hollard Insurance. Our Insurance Brokers are currently working on a New Performing Equipment Insurance option for New Duck Members and we will update information on our website as soon as this new policy is available.


high risk teaching extension

This is an optional additional policy available to individual members covered under the Public Liability policy.
Information on the High Risk Teaching extension is available here

MEMBERS OF THE 2020/2021 POLICY
If you were a member of the 2020/2021 Duck policy, the rate is:

high risk teaching extension ADD $170

NEW MEMBERS AND MEMBERS NOT ON THE 2020/2021 POLICY
If you are joining Duck for Cover, and want to be covered from when your application is approved until 12th October 2022, the rate is:

high risk teaching extension ADD $187

professional indemnity cover

This is an optional policy. You can insure against Professional Indemnity relating to Financial Loss claims made agaisnt you from the teaching of your approved performing activities.

professional indemnity cover ADD $12

Information on Professional Indemnity Cover is available here


examples

 

  • You were a member of the 2020/2021 policy and want to be covered as a face painter and a poet. Your activities fall into Category 1 (Poet) and Category 2 (Face Painter). You pay the rate for Category 2 which is $79 for your Public Liability cover.
     
  • You are a new member! Welcome! You are choosing to be covered as an Actor, Model, Dancer, Children’s Party Entertainer and as a Fire Performer. Your activities fall into Category 1 (Actor and Model), Category 2 (Dancer, Children's Party Host/Entertainer) and Category 3 (Fire Performer). You also want the highest option of Personal Accident Cover possible.  You pay the rate for cover in Category 3 which is $116 for your Public Liability cover, and Option 3 for Category 3 for your Personal Accident cover which is $123. The total you pay is $239.
  • You are a previous member of Duck, but were not on the 2020/2021 policy. You perform as a musician but you also teach music at a school and they want you to have Professional Indemnity cover as well as your Public Liability cover. You pay $83 for Category 2 cover (Musician). Your Professional Indemnity cover is $12, so you pay $95.

Apply for Duck!