Professional Indemnity - Publishing

This new Duck Member optional policy is available from renewal and provides Professional Indemnity insurance for Duck for Cover members who publish their work online or independently, including music, books, live streams, and social media content. It protects members against legal defence costs and damages arising from claims such as defamation, copyright infringement, or plagiarism that are not covered under the standard Public Liability policy.  

What does the Policy Cover? 

    A financial members legal liability for third party financial losses arising from their publishing activities including claims relating to:  

•     Defamation – publishing untrue statements that damage another person’s reputation  
•     Copyright infringement – using protected material without permission  
•     Plagiarism – presenting another person’s work or ideas as your own  

Who is the Insurer? 

    The insurer of this product is DUAL Australia Pty Ltd on behalf of Allianz Insurance Limited 

Who is Insured? 

    The Professional Indemnity policy is offered to all Duck Individual Members who publish their approved performing activities as specified in their Certificate of Currency and including:  

•     Musicians or singers who self‑release recordings without a record label  
•     Writers or storytellers who publish books or written works  
•     Members who live stream or stream performances or teaching content  
•     Members who publish blogs, posts, comments, or articles on platforms such as Facebook or Instagram  

What is the Sum Insured? 

The policy limit is $100,000 any occurrence and $10,000,000 in the aggregate (shared by all members) during the period of insurance. This sum insured is intended as a low cost entry level cover to provide members with limited defence and settlement costs.   

What is the Policy Excess? 

$500 inclusive of defence costs by the insured for each claim 

What are the Territorial Limits? 

    Anywhere in the world subject to the Jurisdictional Limit of the policy being restricted to Australia and New Zealand. 

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 for any business activity other than publishing as listed in your insurance certificate. 
•     No cover for claims relating to Third Party Bodily Injury and Property Damage (Refer Public & Products Liability for this cover) 
•     No cover for assumed liability. 
•     No cover for deliberate acts. 
•     The policy does not cover acts, errors or omissions allegedly committed prior to the start date of the specific members cover under this policy.  

 
For further detail on the Professional Indemnity Publishing policy, please refer to the Policy Wording and Schedule located in The Official Bits.