Public Liability
Current News
MusicNSW attempted to establish a state wide Public Libility Blanket Program in 2007, unfortunately the numbers we were able to provide to the insurance company were below that which was required to establish a blanket program. MusicNSW is therefore working through AMIN to attempt to establish a solution on a national level, in the mean time artists are encouraged to explore their insurance options widely and are assisted by the below information on insurance companies who provide competitive insurance options for artists.
Background
Competitive Public Liability Options Marsh 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. Contact: Tammy Cates Account Executive Marsh Pty Ltd Ph: 08 8385 3600 Fax: 08 211 8785 Tammy.A.Cates@marsh.com 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 - Childrens entertainers - Street performs - Magicians - Performance groups (dance groups etc) - Mobile discos 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 doesnt 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 dont 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 doesnt 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 doesnt 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 them 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 By fax: 02 9411 3488 By email: Ian@actioninsurance.com.au Peta@actioninsurance.com.au By post: PO Box 672 Lane Cove NSW 2066 Contacts: Ian Stack or Peta Allen
AON For further information in respect of Aon's insurance solutions for the entertainment and events industry, please contact them on the details below. Phone (Toll Free) : 1800 806 584 Email : entertainment@aon.com.au Web : http://www.aon.com.au/australia/entertainment-insurance.jsp
APRA Discounts can be provided for APRA members in respect of their performance liability and equipment insurance, via Aon. Please contact AON on the above details for further information.
Individual Performer's Public Liability Insurance For Solo Musicians, Duos, Trios and more. Aon's purpose built liability policy can be found on the performers section of their website for as low as $140 per performer. APRA discounts also apply:- http://www.aon.com.au/australia/entertainment-insurance/performing-arts-insurance/individual-performers-insurance.jsp
MusicNSW attempted to establish a state wide Public Libility Blanket Program in 2007, unfortunately the numbers we were able to provide to the insurance company were below that which was required to establish a blanket program. MusicNSW is therefore working through AMIN to attempt to establish a solution on a national level, in the mean time artists are encouraged to explore their insurance options widely and are assisted by the below information on insurance companies who provide competitive insurance options for artists.
Background
Competitive Public Liability Options Marsh 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. Contact: Tammy Cates Account Executive Marsh Pty Ltd Ph: 08 8385 3600 Fax: 08 211 8785 Tammy.A.Cates@marsh.com 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 - Childrens entertainers - Street performs - Magicians - Performance groups (dance groups etc) - Mobile discos 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 doesnt 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 dont 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 doesnt 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 doesnt 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 them 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 By fax: 02 9411 3488 By email: Ian@actioninsurance.com.au Peta@actioninsurance.com.au By post: PO Box 672 Lane Cove NSW 2066 Contacts: Ian Stack or Peta Allen
AON For further information in respect of Aon's insurance solutions for the entertainment and events industry, please contact them on the details below. Phone (Toll Free) : 1800 806 584 Email : entertainment@aon.com.au Web : http://www.aon.com.au/australia/entertainment-insurance.jsp
APRA Discounts can be provided for APRA members in respect of their performance liability and equipment insurance, via Aon. Please contact AON on the above details for further information.
Individual Performer's Public Liability Insurance For Solo Musicians, Duos, Trios and more. Aon's purpose built liability policy can be found on the performers section of their website for as low as $140 per performer. APRA discounts also apply:- http://www.aon.com.au/australia/entertainment-insurance/performing-arts-insurance/individual-performers-insurance.jsp
