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Competitive Public Liability Options
Public Liability Premium charges

By Jane Powles
Posted Wednesday, January 5, 2005

The following is a compiled list of the most competitive premiums being offered to the music industry for public liability insurance. It was compiled in September 2006 by Jane Powles, MusicNSW.

Marsh Insurance only offer public liability insurance as part of their Musical equipment insurance policy.

Musical Equipment insurance policy benefits
. 24 hours theft and loss cover
. Accidental damage cover including whilst in transit
. Emergency replacement
. “New for Old” replacement
. Australia and the world cover automatically included
. Malicious Damage
. Public Liability while you work (void in Canada and the USA)

Public Liability cover for 3rd parties up to $10 million and includes
. All the sums which you become legally liable to pay by way of compensation
. All costs awarded against you.

An estimated premium for bands earning $75000-$100000 in NSW for public liability is an additional $479.60 to musical equipment cover. Contact Marsh to gather equipment quotes.

Tammy Cates
Account Executive
Marsh Pty Ltd
Ph: (08) 8385 3600
Fax: (08) 211 8785
108 North Terrace
Adelaide SA 5000

GPO Box 2637
Adelaide SA 5001

Action Insurance
Action insurance offer the “Perform Sure” policy which covers performers, bands, music groups who are booked to perform and earn under $150,000 per annum.

In order to offer affordable premiums Action have set up a “Master Policy” insuring multiple clients under the one policy with the one insurer.
All clients’ policies expire on the same day – July 15th.
New clients can join the master policy at any time during the period of insurance with discounted premiums applying to those clients who join the policy after October 1st, January 1st, or April 1st during the annual period.

Who does it cover?

. Soloist entertainers
. Music duos, trios and bands with up to 15 members
. Children’s entertainers
. Street performs
. Magicians
. Performance groups (dance groups etc)
. Mobile disco’s and karaoke operators
. Musical instrument and singing teachers
. Actors

How to qualify?

  • You must be a performer who is booked to appear at a function, event, venue or party put on by someone else. Action doesn’t cover event organizers, event promoters or performers who are self promoting (i.e. hiring out a venue and staging their own show). Door deal arrangements with venue owners are expectable under the policy.
  • You must have no more than 15 members, employees or operators in your group or business.
  • You or your group must not make over $150 000 gross turn over per annum.

Features and benefits
  • The policy automatically insures the liability of the insured group or business including sub contracted or substitute performers. Performers don’t need to be named in order to be covered.
  • The policy insures all performers under one policy – no individual policies required for each performer.
  • Audience participation is covered provided it doesn’t involve sporting, adventurous, dangerous, hazardous activities or involvement with fire.
  • World wide coverage (excluding the USA and Canada)
  • $10 000 sum insured
  • Automatic extension for claims arising form loss damage to hire or borrowed equipment/property where such a loss or damage is caused by your negligence up to a maximum sum insured of $20 000. (This doesn’t cover loss or damage to your own equipment or instruments)

Annual Premiums:

For clients joining the master policy between 15th July and 1st October and
expiring on the 15th July the following year, the premiums are:-

Solo Performer: $300.00
Duo Performers: $450.00
3-5 person groups: $690.00
6-8 person groups: $990.00
9-12 person groups: $1,600.00
13-15 person groups: $1,950.00

Discounted Premiums for clients joining the Policy during the master-policy period:

For clients joining the master policy between 1st October and 31st December
and expiring on 15th July the following year:

Solo Performers: $250.00
Duo Performers: $375.00
3-5 person groups: $600.00
6-8 person groups: $850.00
9-12 person groups: $1,300.00
13-15 person groups: $1,550.00

For clients joining the master policy between 1st January and 1st April and
expiring on 15th July the same year:

Solo Performers: $200.00
Duo Performers: $275.00
3-5 person groups: $450.00
6-8 person groups: $650.00
9-12 person groups: $970.00
13-15 person groups: $1,150.00

For clients joining the master policy between 1st April and expiring on 15th July the same year:

Solo Performers: $130.00
Duo Performers: $180.00
3-5 person groups: $300.00
6-8 person groups: $430.00
9-12 person groups: $650.00
13-15 person groups: $760.00

The above quotations are based on $10 million sum insured. Please contact us if you would like quotations on $20 million sum insured.

All quotations are indicative only and subject to the information contained in your completed application form.

To apply for cover, obtain an official quotation in writing or further information on PERFORM-SURE LIABILITY INSURANCE, please contact us on 1300 655 424

Action Entertainment Insurance
Fax: (02) 9411 3488
By email:
PO Box 672
Lane Cove NSW 2066

Contacts: Ian Stack or Peta Allen


As a member of MusicNSW (which involves registering on our free mailing list - we send out 1 monthly e newsletter per month), musicians/bands with a turnover of less than 100,000 are eligible for

10% No Claim Bonus (minimum) on equipment cover for Musicians with no claims in last 3 years. If insured elsewhere for past 3 years with no claims, we can extend a maximum 30% no claims bonus.

  • Annual Band Public Liability ($10,000,000) subject to less than $100k turnover for $800 in their first year of insurance (normal rates usually start at around $950 per annum). (N.B. Some types of music such as heavy metal & rap may be loaded to around $950.)
  • Combined Equipment & Public Liability for bands with 4 or less. (PL can be added for $150 per person)
  • Access to our API Gold Website to receive 20% discount on Personal Insurance -
  • Music Teachers Package - 10% discount off of normal rates

As an APRA member if you arrange your public liability through Simon Calabrese at AON Risk Services and quote your member number, he'll be able to waive the broker fee for the 1st year of cover.

Simon Calabrese is the AON contact if you are going in through MuiscNSW you will need a letter from me if going as an APRA member you will need to quote your APRA membership. AON contact details (toll free) 1800 806 584, directly on (02) 9253 7539 or Email:

Duck For Cover
For Solo Musicians, Duo’s and Trio’s
Duck For Cover Entertainers' Group Inc. is an incorporated, non-profit association of performers which makes available cost-effective public liability insurance cover for its members.

You can receive $20,000,000 Public Liability Insurance with an authorised Australian Insurer until 12th August for less than $245.00 per musician.

Members will also be offered renewal next year, hopefully at similar competitive premiums.

New applicants: Please be aware that the Duck for Cover policy runs from the 12th of August to the 12th of August each year. If you join now, you
will be required to renew your membership in August for the new policy year which commences 12th August 2006. There is no pro-rata rate for
joining this late in the policy year.

Current members: All current members have been sent the renewal information by post. The new policy material and application is not yet
available on the web.

You should note that Duck For Cover is only intended to cover individual performers with a performance income of less than $100,000. This includes solo performers, session musicians, duos and trios, plus any other group that trades as a partnership. Each member of the group needs to become a Duck for Cover member, paying $245 each. This then gives each individual Public Liability Insurance cover whether they are playing with the group
or outside of the group.

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Competitive Public Liability Options