Insurables — Australian business risk, sourced and dated

Childcare providers: professional indemnity requirements in Western Australia

Cover for legal liability arising from professional advice or services, written on a claims-made basis.

Data as at

Verified for Western Australia

  • Licence liability condition: Yes, with a figure written into the National Regulations: a current policy of insurance providing adequate cover for the education and care service against public liability, with a minimum cover of $10,000,000. For family day care there is a second layer — the approved provider must ensure that EACH family day care educator engaged by or registered with the service holds public liability cover to the same minimum. A provider is therefore responsible for cover held by people it does not employ. WA · effective 2012-01-01 ACECQA / Education and Care Services National Regulations · 2026-08-24
  • Licence evidence required: The policy must be current and held as a condition of approval, so the obligation runs continuously rather than being satisfied once at application. Evidence must be kept at the service's principal office and made available for inspection by the regulator on request. WA · effective 2012-01-01 ACECQA / Education and Care Services National Regulations · 2026-08-24
  • Licensing body: The WA Department of Communities, as the state regulatory authority, under the Education and Care Services National Law and the Education and Care Services National Regulations. This is a NATIONAL scheme applied through Western Australia's own application Act: the operating rules are the same across participating jurisdictions, and the regulator differs rather than the standard. Two approvals are needed and they are separate — a PROVIDER approval for the operator and a SERVICE approval for each service. WA · effective 2012-01-01 ACECQA / Education and Care Services National Regulations · 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