We are pleased to offer an affordable policy which we have developed to meet the needs of performers and entertainers.

PERFORM-SURE Liability Insurance is a public liability insurance policy designed to cover performers & entertainers who are booked to turn up and perform and earn less than $150,000 income per annum.

In order to offer affordable premiums, we have set up this scheme up to run for a set period of insurance being 15th July to 15th July each year. New clients can join the scheme at any time during the period of insurance, with pro-rata premiums applying to those clients who join the scheme after the 1st October, 1st January or 1st April.

Who can PERFORM-SURE cover?

Soloist entertainers & musicians

Music duos, trios and bands up to 12 members

Children’s entertainers such as clowns, puppeteers, face-painters, costume characters

Street theatre performers (including use of fire)

Magicians

Performing groups (acrobats, dance groups etc)

Mobile DJ’s and mobile karaoke operators

Spruikers & MC’s

Musical Instrument & Singing Teachers

Actors (Excluding Named Performers)

Presenters of Workshops providing they DO NOT INCLUDE any of the following activities:

• Drama Schools where this is their primary business;
• Tuition of or participation in aerial, acrobatics or trapeze activities;
• Tuition of or participation in Gymnastics;
• Tuition of or participation in competitive sporting activities;
• Tuition of or participation in adventure type activities;
• Tuition of or participation in circus skills;
• Tuition of or participation in Tattooing and body piercing (face painting and spray-on tattooing are covered);
• Tuition of or participation in Filming and/or video Production activities.

How do I qualify?

You must be one of the above occupations, who is booked to turn up and perform at a function, event, venue or party put on by someone else. We do not cover event organisers, event promoters or performers who “self-promote” their own shows (i.e. self-promoting means hiring the venue to stage your own show). Door-deal arrangements with venue owners are not considered “self-promoting” and are acceptable under this policy.

You or your group or business must not earn more than $150,000 gross turnover per annum.

Note: If your activities fall outside of the above guidelines, we can still assist you with our ENTERTAINMENT & EVENT LIABILITY INSURANCE products. Please contact us if you are not sure.

What are the features & benefits of PERFORM-SURE liability insurance?

1. The policy automatically insures the liability of all performers of the insured group or business including the liability of sub-contracted or substitute performers. Performers do not need to be named on the policy in order to be covered.
2. The policy insures all performers under one policy – no individual policies required for each performer.
3. Unlimited performances covered.
4. Audience participation is covered provided it does not involve sporting, adventurous, dangerous, hazardous activities or involvement with fire performances.
5. World Wide geographical cover (excluding USA & Canada). A special Excess of $2,500 each and every occurence applies to claims arising from activities conducted outside of Australia.
6. $10,000,000 sum insured.  $20,000,000 sum insured is available for an extra cost.
7. Automatic extension for claims arising from loss or damage to hired or borrowed equipment/property where such loss or damage is caused by your negligence, up to a maximum sum insured of $20,000. This does not cover loss or damage to your own instruments or equipment.
8. A $500 excess applies to each and every claim arising from activities conducted within Australia.

Note: The above is just a summary of cover. Please refer to the policy wording for full details of coverage including the terms, conditions and exclusions which are applicable.

What is NOT COVERED by PERFORM-SURE liability insurance?

• Claims arising from Sexual Molestation or Assault.
• Claims arising from the activities of security companies or crowd control personnel.
• Claims arising from injury to PAYG employees or contractors who are deemed "workers" under the relevent States' workers compensation legislation.
• Contractual Liability - the policy will not cover liability assumed under contract or agreement (i.e. hold harmless, indemnity clauses).
• Excluding liability of sub-contractors or contractors other than contracted performers or substitute performers.
• Excluding fireworks & pyrotechnics but not fire.
• Excluding liability for loss or damage to performers own equipment – this risk can be insured under our ENTERTAINMENT EQUIPMENT INSURANCE policy.
• Excluding claims arising from injury to audience members who participate in sporting, adventurous, dangerous or hazardous type activities conducted by Insured.
• Excluding audience participation in fire activities conducted by Insured.
• Excluding Insureds acting as event organisers, event promoters or Insureds who "self promote" their own performances (i.e. Bands who hire out venues to stage their own performances. Door-deals are not considered "self-promoted").

Who is the Insurer?

The Policy is insured by Calliden Limited AFSL 284889 via their Authorised Representitive, Arena Underwriting Pty Ltd (ABN 26 125 869 481, AFS Licence #317617).

Calliden Limited is an Authorised Australian Insurer.

You can find out more about Calliden Limited and Arena Underwriting Pty Ltd by visiting their websites:

www.calliden.com.au	www.arenaunderwriting.com.au

What Does Perform-Sure Cost?

Premiums are based on the number of performers in your group.
Please note that our policy runs for a set period of insurance being 15th July to 15th July each year. Don't worry if you come to us during this period as we have pro-rata premiums options available depending on what time of the year you require cover to start.

Annual Premiums:- (For policies incepting on or after 15th July and Before 30th September and expiring on the 15th July the following year):-

3/4 Period Premiums (For policies incepting on or after 1st October and Before 31st December and expiring on the 15th July the following year):-

1/2 Period Premiums (For policies incepting on or after 1st January and Before 31st March and expiring on the 15th July the same year):-

15th Month Period Premiums (For policies incepting on or after 1st April and Before 30th June the same year and expiring on the 15th July the following year):-
 

Please note that we do not offer 1/4 period Premiums or one off event premiums for this scheme.

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.

How Does This Policy Compare to Others Available in the Market?

When comparing your existing liability insurance policy with our PERFORM-SURE LIABILTY policy, please ask your Insurer or Broker the following questions:

Q: Do you have to pay an additional membership fee?
There is no requirement under our PERFORM-SURE policy to be a member of an association and therefore no additional membership fee applies.

Q: Does your policy include contracted performers or entertainers as Insureds?
Our Perform-Sure policy automatically includes contractors as co-Insureds whilst they are performing for the insured band or group. These contractors can be substituted at any time with other performers or entertainers, providing the total number of performers/entertainers does not exceed the number you have insured for under your policy.

Q: Do you insure Pty Ltd companies?
Our PERFORM-SURE policy can insure Pty Ltd companies, not for profit organisations, partnerships, sole traders and private individuals. You DO NOT need an ABN to take out our policy.

Q: Does your policy exclude injury to performers?
Providing your performers are not PAYG employees, there is NO exclusion in our policy for injury to performers or entertainers. If your performers or entertainers are PAYG employees then you will need Workers Compensation Insurance to cover claims arising from injury to PAYG employees. Should you require further information on Workers Compensation Insurance, please contact our office on 1300 655 424.

Q: Does your policy offer pro-rata premiums depending on what date you join?
Yes, please refer above for the pro-rata premiums applicable based on when you join the scheme.

Q: When I need help or advice on my insurance policy, who can I talk to?
Action Insurance Brokers is a licensed Insurance Broker and our staff are qualified to give you advice on all of your insurance queries. When you contact us you will be speaking directly to the person who can attend to your query immediately.

Q: Do you deal with other insurance brokers?
Yes, we can offer our PERFORM-SURE policy on a wholesale arrangement to other insurance brokers.

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