Insurables — Australian business risk, sourced and dated

Funeral directors: public liability requirements in Australian Capital Territory

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

Data as at

Verified for Australian Capital Territory

  • Licence liability condition: Not applicable to funeral directing, which is unlicensed. Insurance appears once in the Cemeteries and Crematoria Act 2020, and it is a conflict of interest provision about death certificates concerning a financial interest in the death under a life insurance policy. Insured and indemnity appear not at all, and the Cemeteries and Crematoria Code of Practice 2026 has none of the three. Facility licensees are subject to perpetual care trusts, which is a financial security mechanism and a distinct concept from insurance. ACT · effective 2026-08-25 Australian Capital Territory Government · 2026-08-24
  • Licence evidence required: None. An ACT funeral director needs no occupational licence, so there is no insurance evidence to give. ACT · effective 2026-08-25 Australian Capital Territory Government · 2026-08-24
  • Licensing body: Funeral directing is not a licensed occupation in the ACT — the Territory licenses facilities, not people. The Cemeteries and Crematoria Act 2020, which replaced the 2003 Act, provides for a licence to operate a facility, held by the licensee of a cemetery or crematorium. The phrase funeral director appears four times in 141 pages and in every case only as an agent who may receive information on someone's behalf, never as a regulated party. ACT · effective 2026-08-25 Australian Capital Territory 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