Insurables — Australian business risk, sourced and dated

Security system installers: 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: No standing insurance requirement. Section 46 gives the Minister a power to direct master licensees about taking out insurance or adopting risk management plans, and section 52(2)(g) gives a power to make a regulation requiring master licensees to obtain stated insurance. Neither power has been exercised in the current Security Industry Regulation 2003, in which the words insurance and indemnity do not appear at all. ACT · effective 2026-08-24 Australian Capital Territory Government · 2026-08-24
  • Licence evidence required: None at present. Insurance would only become evidence-bearing if the Minister issued a direction under section 46, which takes effect as a disallowable instrument. ACT · effective 2026-08-24 Australian Capital Territory Government · 2026-08-24
  • Licensing body: Installing, maintaining, monitoring, repairing or servicing security equipment is a licensed security activity under section 7 of the Security Industry Act 2003, administered by Access Canberra. There is no separate installer licence class; the work sits inside the general security industry licensing scheme. ACT · effective 2026-08-24 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