Insurables — Australian business risk, sourced and dated

Bus and coach operators: public liability requirements in Queensland

Cover for legal liability to third parties for personal injury or property damage arising from business activities.

Data as at

Verified for Queensland

  • Licence liability condition: CTP, written directly into the passenger transport instrument rather than left to registration alone. Section 28 of the Standard, headed "Compulsory third party insurance", is the ONLY insurance provision across all 46 regulations, and requires compliance with the Motor Accident Insurance Act 1994 (Qld). UNDERSTAND WHAT CTP IS AND IS NOT: compulsory third party insurance is a condition of REGISTERING A VEHICLE in every Australian jurisdiction, and it covers injury to people. It is not a licence condition, and it does not cover damage to other people's property. Treating CTP as "the insurance the licence requires" is the single most common mistake in this industry. So Queensland states the CTP obligation in its transport regime where Victoria and WA leave it to the registration scheme — but it is still CTP, not a separate property or liability policy. New South Wales requires every point to point vehicle to carry third-party PROPERTY insurance of at least $5 million on top of CTP. On the full text of the instruments read, no other jurisdiction checked replicates that. NSW is an outlier here, as it is with tow trucks. QLD · effective 2026-08-24 WorkSafe Queensland · 2026-08-13
  • Licence evidence required: Compliance with the Motor Accident Insurance Act 1994 CTP scheme. QLD · effective 2026-08-24 WorkSafe Queensland · 2026-08-13
  • Licensing body: Regulated by Transport and Main Roads under the Transport Operations (Passenger Transport) Act 1994 (Qld). NOTE A CURRENCY ISSUE: the operative Standard reviewed was the Transport Operations (Passenger Transport) Standard 2010, and its own reprint note records that it was repealed on 20 February 2026. This describes the regime as it stood in the version retrieved; confirm what replaced it before relying on the detail. QLD · effective 2026-08-24 WorkSafe Queensland · 2026-08-13

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