Insurables — Australian business risk, sourced and dated

Childcare providers: public liability requirements in New South Wales

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

Data as at

Verified for New South Wales

  • Licence liability condition: Yes, with a stated minimum — one of the few occupations where the National Regulations name a figure. Education and care services must have a current policy of insurance providing adequate cover against public liability with a minimum cover of $10,000,000. For family day care there is a further layer: service approval is granted subject to the condition that the approved provider ensures EACH family day care educator engaged by or registered with the service holds public liability insurance with a minimum cover of $10,000,000. So the provider is responsible for cover held by people it does not directly employ. NSW · effective 2012-01-01 NSW Department of Education · 2026-08-24
  • Licence evidence required: A current policy must be held as a condition of service approval, so the obligation is continuous rather than tied to an application date. For family day care, the provider must be able to show that each engaged educator holds their own cover. NSW · effective 2012-01-01 NSW Department of Education · 2026-08-24
  • Licensing body: The NSW Department of Education, as the state regulatory authority under the Education and Care Services National Law. Two approvals are needed and they are separate: a PROVIDER approval for the operator, and a SERVICE approval for each service it runs. NSW · effective 2012-01-01 NSW Department of Education · 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