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.

how community performing group and theatre group cover works

• Your performing group earns up to, but not more than, $400,000 per annum. 
• Your performing group is registered with Duck for Cover. Only the named group is covered. 
• Your group will be covered from whenever the application is accepted until the policy ends on 4pm, 12th October 2024.
• Individual performers are not covered for performance work outside the group.
• You are covered for your performance and rehearsal time as a group.
• Teaching and workshops undertaken by the group are covered.
• Public Liability cover is for $30,000,000.
• Hiring a venue with less than 500 attendees for the staging of a performance by the group is covered.
• The first $500 of any Property Damage claims is payable by you ($0 excess for Bodily Injury claims).
• Cover is world-wide, excluding USA and Canada, for Australian citizens and permanent residents. Overseas visitors to Australia can become members of Duck for Cover BUT both the Public Liability and Personal Accident (if selected) policy will only cover them while they are performing in Australia and provided they are legally able to work in Australia.
• Audience participation as part of your performance is allowed.
• Make sure any contractors (other than performers and stage management) working for you have their own liability cover.
• No cover for Child Minding activities
• Your Duck for Cover Public Liability policy will automatically note the interest of employers, councils and venues. the difference between community performing group and theatre group cover.

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 and Schedules in The Official Bits. 

Theatre Group and Community Performing Group Cover applications cannot be completed online. You will need to download and fill out the forms.

download the GA form for individual duck members wishing to register as a group

Download the community performing group / theatre group form

additional covers

optional performing equipment cover for theatre groups and community performing groups

For an additional cost, you can insure your group's Performing Equipment against loss or damage.

Summary of Benefits

The policy covers you for loss or damage that occurs to your performing equipment while in transit, or while in storage for up to 60 days (including at home).

• The policy includes cover for loss or damage to your performing equipment while in use.
• Cover is provided World Wide, subject to the policy limitations.
• You can select from a choice of policy limits, that will apply to any one claim or occurrence: $5,000, $10,000 or $20,000
• Maximum limit any one item, pair, set or collection: AUD 5,000.
• The excess payable in the event of a claim will be
  • Claims occurring outside of Australia: AUD 500 each and every claim
  • Electronic Devices: AUD 500 each and every claim
  • All other claims AUD 250 each and every claim

Please Note:

This policy is for equipment that is owned by the group. It will not cover group members' individually owned equipment.
The Duck For Cover Members Performing Equipment Insurance policy will cover a Duck members mobile Performing Equipment that regularly leaves the members home or other storage location for the purpose of performance or rehearsal or teaching
A “storage” extension is provided up to 60 consecutive days to cover this insured Performing Equipment while stored. This assumes that a member will take their insured “Performing Equipment” away from the storage location (including home) for a performance / rehearsal / teaching during this time.
An “in use” extension is provided for the insured "Performing Equipment" that is damaged or stolen while in use.
The Duck Performing Equipment policy is not intended to cover equipment that is used solely in a Home Studio, Home rehearsals or for Home Teaching. This equipment would need to be insured under a different insurance policy not offered through Duck Members Insurance program (Home Contents / Business Package Insurance).

Key limitations/exclusions

Exclusion/Limitation	Summary
Cover in Use	Cover for goods while in use is excluded for the following activities: Fire acts and any act that uses fire Any act with a naked flame Roller Skating/Skateboarding Plate Spinning Juggling / Staff / Diabolo / Poi
Loss of Data	Cover is not provided for the loss of any data of any description, or from any device – including if the device itself was damaged.
Storage Limitation	Cover for Storage is limited to a maximum of 60 consecutive days, and only in the course of transit, or immediately following delivery. The policy does not provide cover for your equipment in storage at any other time. Insured Performing Equipment used at home is still deemed to be in storage for the purpose of the storage limit of 60 consecutive days.
Communicable Disease	This excludes any loss or damage caused by or is in any way connected with a Communicable Disease such as COVID-19.
Cyber	This excludes any loss, damage, liability or expense directly or indirectly caused by or contributed to by or arising from the use or operation, as a means for inflicting harm, of any computer, computer system, computer system program, malicious code, computer virus, computer process or any other electronic system.
Sanctions	This excludes any cover or any liability to pay any claim or provide any benefit to the extent that the provision of such cover, payment of such claim or provision of such benefit would expose the Insurer to any sanction, prohibition or restriction under United Nations resolutions or the trade or economic sanctions, laws or regulations of Australia, the European Union, United Kingdom or United States of America

optional personal accident cover for theatre groups and community performing groups

Not currently available.

We will inform you as soon as you can add this policy.