Public Liability Insurance


More and more artists are required to have public liability insurance cover and some are still not covered. If you have any artists that are looking for PLI we have a couple that we can note.


Our History

Duck for Cover is a not-for-profit association that was incorporated in October 1998 by a small group of performers who were finding the cost of arranging individual public liability prohibitive. They got together, got a policy and Duck for Cover was born.

From these beginnings, we have grown to a performer organization with over 11,000 members and we continue to grow. As we do, we are in an even better position to source the best possible policies for our members.

We’re really proud of what we’ve managed to create and sustain for Australian performers over the years, and happy that a positive relationship with our broker, Steadfast IRS Pty Ltd (formerly IC Frith Insurance Brokers Pty Ltd) and underwriting insurer (Allianz) means we can continue to support performers with great, low cost insurance options. In addition to the Public Liability policy, we are now able to offer our members Personal Accident cover, Equipment cover and Professional Indemnity cover.

How does it work for you?

We are not insurance underwriters or brokers; we appoint a broker who finds the policy for us. You do not buy a policy from Duck. You join Duck for Cover as a member and are then covered under the policy we hold on behalf of all the Duck for Cover members. It is overseen by a volunteer committee who meet a few times a year, and managed by an administrator and office staff. That is the way we keep the costs down for you.

Duck for Cover is not an Australian Financial Services (AFS) licensee or a related body corporate of an AFS licensee or a representative of an AFS licensee.

We do not act on behalf of, nor receive any commissions or payments from, any broker, insurer or any financial service provider.

The administration fee included in your payment is the only income Duck for Cover receives. We use this to administer the association under the rules and laws of the Associations Act in Victoria where we are registered.




DanceSurance as it is now known started in 1970, when several of Australia’s leading Dance Studio principals approached Dennis Foley, a prominent Amateur champion who by profession was an insurance broker, asking him if he knew of any insurance facility which provided insurance for dance, particularly Public Liability, which would cover their needs at reasonable prices, not what insurance companies were prepared to offer, at their very high premiums.

Dennis, the son of former Australian champions Charles and Shirley Foley who also had a leading Melbourne studio, had been raised in the dance industry, quickly established that providers simply didn’t understand the dance industry and that was why their covers were inappropriate and premiums so expensive.

Accordingly, as he was uniquely experienced and qualified in both industries, and had a long term interest in them, he decided to draft a suitable Public Liability policy, and then after sourcing a secure underwriter who was prepared to write cover at more appropriate rates (on a trial basis), and offered it to all who were interested.

The membership grew rapidly, and the cover has continually been improved and broadened to include many Performing Arts activities. Similar policies for other classes of business such as Student Accident, Business (Fire, Burglary, Glass, Money, etc.), Freelance Contractors Liability & Personal Accident Cover, etc. were also established.

Our team at DanceSurance are uniquely qualified, experienced and have a passionate desire to continue to give our clients the absolute best possible service, covers and premiums; and our clients positive feedback and referrals together with the support of our approved Lloyd’s Underwriters by way of continuously very competitive rates and claims service, continues to strengthen our market position as Australia’s Dance & Performing Arts Insurance experts.

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