Insurables — Australian business risk, sourced and dated

Childcare providers: public liability requirements in Northern Territory

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

Data as at

Verified for Northern Territory

  • Licence liability condition: Yes. Regulation 29 of the Education and Care Services National Regulations makes a service approval subject to a condition that the approved provider hold either a current policy providing adequate cover against public liability with a minimum cover of $10,000,000, or a policy or indemnity against public liability provided by a State or Territory government. Regulation 30 extends the same minimum to each family day care educator engaged by or registered with a family day care service — meaning the provider is responsible for cover held by people it does not employ. NT · effective 2026-08-25 ACECQA / Education and Care Services National Regulations · 2026-08-24
  • Licence evidence required: Regulation 180 requires the approved provider to keep evidence of the current prescribed insurance at the service premises, or at the principal office for a family day care service, and to make it available for inspection by the Regulatory Authority or an authorised officer. A family day care educator carries the same duty at the residence or venue. This is one of the few schemes where the certificate must be on site rather than filed with the regulator. NT · effective 2026-08-25 ACECQA / Education and Care Services National Regulations · 2026-08-24
  • Licensing body: The Chief Executive Officer is the Regulatory Authority for the Northern Territory. Section 4(1) of the Education and Care Services (National Uniform Legislation) Act 2011 applies the Education and Care Services National Law as a law of the Territory, and sections 6 and 20 carry the National Regulations across with it — so this is the national scheme operating as Territory law, not a separate Territory scheme. NT · effective 2026-08-25 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