Liability to others (sometimes referred to as Public Liability) is a compulsory requirement under legislation. The minimum limit of liability varies between states and territories as follows:
ACT – minimum of $10,000,000
NSW – minimum of $20,000,000, as well as mandatory cover for voluntary workers
NT – minimum of $10,000,000
QLD – minimum of $10,000,000
SA – minimum of $10,000,000, as well as mandatory cover for fidelity guarantee
TAS – minimum of $10,000,000
VIC – minimum of $20,000,000
WA – minimum of $10,000,000