Why We Ask These Questions:
- To confirm your business is financially and legally protected against loss of client goods, injury claims, vehicle incidents and workplace injuries. Adequate insurance meets AFRA’s Code of Conduct and WHS obligations.
What It’s Based On:
- WHS Act requirement for employers to hold workers’ compensation insurance
- AFRA Constitution cl 9(f): Record-keeping & compliance
- AFRA Code of Conduct cl 6: Mandatory insurance types & minimum cover values
What We’re Looking For:
| Question | Why It Matters | What You Need to Show |
| Do you hold current certificates of insurance for public liability, motor, transit and workers’ compensation? | Verifies you’re covered if clients, staff or third parties suffer loss or injury on your premises or in transit. | Dated certificates listing insurer, policy number, coverage period and limits. |
| Is your carrier’s legal liability insurance at least $500 000? | Protects you if goods are lost or damaged while in your care, custody or control. | Policy schedule confirming minimum $500 000 cover for “Carrier’s Legal Liability.” |
| Do you maintain public liability cover of at least $10 000 000 for goods in storage? | Covers client claims for damage to goods stored on your site, protecting your assets and reputation. | Certificate confirming minimum $10 000 000 “public liability (goods in storage)” endorsement. |
| Do you have motor-vehicle third-party property insurance of at least $20 000 000? | Ensures you can meet claims for property damage caused by your vehicles in transit or on site. | Current CTP/third-party property certificate showing $20 000 000 limit. |
| Is your workers’ compensation insurance coverage confirmed and current? | Mandatory under WHS law; covers employee injuries and avoids prosecution or penalties for non-compliance. | Certificate or policy wording showing compliance with your state’s Workers’ Compensation Act. |
Key Legal References by State/Territory
| Jurisdiction | Workers Comp Act | CTP / Motor-Vehicle Insurance Legislation | AFRA Instrument |
| NSW | Workers Compensation Act 1987 (NSW) | Road Transport Act 2013 (NSW) ss 164–166 (CTP) | AFRA Code of Conduct cl 6 |
| VIC | Wr&C Act 1958 (Vic) | Transport Accident Act 1986 (Vic) pt 3 (CTP) | AFRA Constitution cl 9(f) |
| QLD | Workers’ Comp & Rehabilitation Act 2003 (Qld) | Motor Accident Insurance Act 1994 (Qld) pt 2 (CTP) | AFRA Code of Conduct cl 6 |
| SA | Return to Work Act 2014 (SA) | Motor Vehicles Act 1959 (SA) pt 8 (CTP) | AFRA Constitution cl 9(f) |
| WA | Workers’ Comp & Injury Management Act 1981 (WA) | Motor Vehicle (Third Party Insurance) Act 1943 (WA) | AFRA Code of Conduct cl 6 |
| TAS | Workers Rehabilitation & Compensation Act 1988 (Tas) | Motor Accident Insurance Act 1994 (Tas) (CTP) | AFRA Constitution cl 9(f) |
| ACT | Workers Compensation Act 1951 (ACT) | Road Transport (Third-Party Insurance) Act 2008 (ACT) | AFRA Code of Conduct cl 6 |
| NT | Return to Work Act 1986 (NT) | Motor Accident (Compensation) Act 1979 (NT) (CTP) | AFRA Constitution cl 9(f) |