Insurables — Australian business risk, sourced and dated

Security guards: public liability requirements in Victoria

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

Data as at

Verified for Victoria

  • Licence liability condition: Yes, and Victoria takes a BROADER approach than New South Wales. Victoria Police require evidence of public liability insurance, as a certificate of currency from the insurer, "showing coverage for the activities and sub-activities applied for". The cover must match the activities on the licence — but unlike NSW, where the condition bites only on master licences supplying armed guards or guard-dog handlers, Victoria applies it to private security BUSINESS licence applications generally. A firm licensed in both states faces the condition in Victoria on work that would not trigger it across the border. VIC · effective 2005-07-01 Victoria Government · 2026-08-24
  • Licence evidence required: A certificate of currency from the insurer at application, showing cover for the specific activities and sub-activities being applied for. A generic policy that does not name the activities does not satisfy it. VIC · effective 2005-07-01 Victoria Government · 2026-08-24
  • Licensing body: Victoria Police, through the Licensing and Regulation Division, under the Private Security Act 2004 (Vic). The scheme covers private security licensing generally, covering both individual operatives and the businesses that supply them. VIC · effective 2005-07-01 Victoria 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