Insurables — Australian business risk, sourced and dated

Accommodation providers: workers compensation requirements in New South Wales

Statutory cover for injury to workers, arranged through each state or territory scheme rather than on the open market.

Data as at

Verified for New South Wales

  • Licence liability condition: Split answer. A liquor licence carries no insurance condition. Short-term rental accommodation does: the host must hold insurance covering their liability for third-party injuries and death on the premises, valid for the occupancy period. NSW specifically warns hosts to review the terms carefully, including the nature and extent of any exclusions — which is a regulator saying, in effect, that ordinary home policies may not do the job. NSW · effective 2026-08-24 NSW Government · 2026-08-24
  • Licence evidence required: For STRA, cover must be in force for the whole occupancy period rather than evidenced at a point in time. For a liquor licence, nothing. NSW · effective 2026-08-24 NSW Government · 2026-08-24
  • Licensing body: It depends on the model, and the two answers are very different. A hotel or motel serving alcohol holds a liquor licence from the Independent Liquor and Gaming Authority under the Liquor Act 2007 (NSW). Short-term rental accommodation is not licensed at all but MUST be registered: an STRA property has to be registered via the NSW Planning Portal before it is advertised or offered for short-term rental. NSW · effective 2026-08-24 NSW Government · 2026-08-24

What contracts commonly ask for

Principals and head contractors set their own insurance requirements, and those are frequently higher than a licence condition. The requirement that binds is the higher of the two, and both have to be read from the actual document.

What this cover costs

This site publishes no cost benchmark for this cover. A benchmark needs a real sample of documents, and none is published until the sample is large enough to compute a median honestly. A benchmark from a handful of policies is a guess with a decimal point.

Sources