Insurables — Australian business risk, sourced and dated

Funeral directors: professional indemnity requirements in Queensland

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

Data as at

Verified for Queensland

  • Licence liability condition: Not applicable to funeral directing, which is unlicensed. Insurance appears twice in the Funeral Benefit Business Act 1982 and neither occurrence is an occupational condition — both identify a company registered under the Commonwealth Life Insurance Act 1995 as a permitted holder or payee of trust fund money. QLD · effective 2026-08-25 Queensland Government · 2026-08-24
  • Licence evidence required: None for funeral directing. The registration, annual return and valuation obligations in the Act attach to funeral benefit businesses — anyone selling pre-paid funerals — which is closer to a financial products obligation than an occupational licence. Whether any public health side obligation applies to handling and transporting human remains was not established. QLD · effective 2026-08-25 Queensland Government · 2026-08-24
  • Licensing body: Funeral directing is not a licensed occupation in Queensland, and one Act is commonly mistaken for the one that licenses it. The Funeral Benefit Business Act 1982 regulates pre-paid funeral benefit trust funds, not the practice of funeral directing: its machinery is a registrar, trust funds, registration, annual returns, valuations and cancellation of registration. The phrase funeral director appears only four times in the whole Act, every one inside the list of what a funeral benefit may cover — transportation of the body by a funeral director, mortuary facilities and the services of a funeral director and staff, a casket supplied by a funeral director. The Act nowhere licenses, registers or imposes conditions on funeral directors. QLD · effective 2026-08-25 Queensland Government · 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