Duck for Cover - Cover for Groups

Our definition of a group is a group of performers, performing at the same time, in the same place in the one group.

There are two ways performing groups can be registered with Duck for Cover:

1. GA cover –

if all the performers have joined Duck as individual members, a group (or more than one group) can be registered with Duck for Cover at no extra cost.

2. community performing group and theatre group cover –

if you are a performing group consisting of musicians, singers or dancers, or a theatre group, your group can join Duck for Cover as a performing group. This will cover the performers in your performing group, but they will only be covered while they are performing as part of your performing group

which cover to choose?

The type of cover which will suit your group best depends on a couple of factors: how many members you have, your performance activities, whether the group line-up is stable or may change, and whether you or any performers in your group need cover for teaching and workshops.

If there are four or less than four regular members of your group, or your members would like to be covered individually for their other performing work, or for teaching or workshops, GROUP COVER (GA) will remain your best option as all Group members will be covered individually for performing as well as teaching. Performers can also take out Personal Accident and/or Equipment cover if they wish.

If you are a Community Performing group performing in the following activities (Musicians, Singers or Dancers) or Theatre Group (Actors/Theatre Performance) that performs together, and you do not need to cover individuals’ performing or teaching activities, THEATRE GROUP COVER (TG) or COMMUNITY PERFORMING GROUP COVER (CPG) may suit you better.

What does the Public and Products Liability Policy Cover?

A Performing Group Members legal liability for third party bodily injury or property damage arising from the activities of their performing group including performing, rehearsing, recording, and teaching the members insured performing .

Who is the Insurer?

The insurer of this product is Allianz Australia Insurance Limited ABN 15 000 122 850 (Allianz) AFS Licence No. 234708

Who is Insured?

if you are a performing group consisting of musicians, singers or dancers, or a theatre group, and the group earns $400,000 or less from their performing / teaching activities, your group can join Duck for Cover as a Theatre Group or a Community Performing Group.
“Community Performing Group” includes bands.
The policy covers all employees and volunteers engaged by your performing group while they are working as part of your performing group as performers and support crew (including sound, lighting, Directors and Production Managers).
The policy also covers contractors engaged by the performing group while they are working as part of your performing group as Performers, Directors and Production Managers
Your policy will not cover other contractors or subcontractors that your performing group engages (Sound & Lighting, Catering, Security, etc). You should ensure that any contractor you engage who is not covered by the policy have their own Public Liability Insurance.

NOTE: Duck for Cover individual members that perform together as a group can register their group under the Public Liability policy at no additional cost and receive a Performing Group Certificate of Currency. (Contact Duck for Cover to arrange)

What is the Sum Insured?

Your Public Liability cover is for $30,000,000 any one occurrence

What is the Policy Excess?

The first $500 of any Property Damage claims is payable by you ($0 excess for Bodily Injury claims).

What are the Territorial Limits?

Anywhere in the world including North America but only as specified in the definition of Policy Territory within the Policy Schedule. Except if the member holds dual citizenship with either USA or Canada. They will not be covered while performing in that country.
Members of Duck for Cover who are not Australian citizens or permanent residents, are only covered while they are performing/teaching their approved performing activities within the Commonwealth of Australia.

What Additional Benefits are Covered by the policy?

If you hire a venue in Australia to stage a performance of your covered activities, you are also insured for your activities as an event organiser for this performance. Please review the Venue Hire page for more detail.
Audience participation as part of your performance is allowed.
The policy covers libel, slander or defamation of character claims arising from your performing activities.
Your Duck for Cover Public Liability policy will automatically note the interest of employers, councils and venues.

What is Excluded by the policy?

The below provides a summary of the key exclusions or policy limitations. Please refer to the policy wording for full details of all relevant exclusions

You are not covered if you molest a child or commit sexual assault.
No cover for pyrotechnics as defined by state and federal laws.
No cover for operating Jumping Castles, Photo Booths or Amusement Rides.
No cover for operating Petting zoos, horses, circus animals, venomous snakes, spiders or insects.
No cover for Child Minding activities.
You will not be covered if you act outside the law. (eg. If you perform without required permits.)

teaching and workshop cover for community performing and theatre groups

Theatre Groups and Community Performing Groups are covered for teaching in their performance activities that their group as a group conducts.
Any member of the group who conducts teaching outside of the group would still need individual membership.

For all the detail regarding these policies, please refer to the Policy Wordings in The Official Bits.