Insurables — Australian business risk, sourced and dated

Bus and coach operators: public liability requirements in Western Australia

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

Data as at

Verified for Western Australia

  • Licence liability condition: CTP-equivalent only, and identically to taxis: regulation 98(1)(c) requires the appropriate category of motor injury insurance under the Motor Vehicle (Third Party Insurance) Act 1943, and the full Regulations contain no other insurance provision. 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. 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. WA · effective 2020-07-01 Consumer Protection WA · 2026-08-13
  • Licence evidence required: The correct category of motor injury insurance for the vehicle. WA · effective 2020-07-01 Consumer Protection WA · 2026-08-13
  • Licensing body: Regulated under the Transport (Road Passenger Services) Act 2018 (WA) and its 2020 Regulations. Western Australia does not treat buses separately — a bus is a passenger transport vehicle under the same generic scheme as taxis and rideshare. WA · effective 2020-07-01 Consumer Protection WA · 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