Is Your Public Liability Insurance Up to Date?

Approved childcare providers must hold a minimum $10m Public Liability policy as a condition of service approval. Get covered in minutes and receive audit-ready documentation, instantly.
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WHO THIS IS FOR

Built for ACECQA-approved childcare providers approaching their annual compliance review window.

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Long Day Care Centres

Approved LDC providers under the NQF, required to maintain continuous PL cover of at least $10m.

OSHC Services

Outside School Hours Care providers are required to hold current and adequate PL insurance at all times.

Family Day Care Operators

FDC scheme operators and educators delivering home-based care — ongoing insurance obligations apply.

Preschools & Kindergartens

NQF-regulated preschools under approved provider status — continuous PL cover is a mandatory condition.
The Compliance Requirement

Public Liability insurance of at least $10m is a mandatory condition of ACECQA service approval.

Under the National Quality Framework, approved providers must maintain PL insurance continuously. Cover must remain current, limits must meet the $10m minimum, and documentation must be available during assessment visits.

Public Liability (min. $10m)

Covers third-party injury or property damage at any approved service location.

e.g. Child injured on premises — PL covers medical costs and legal liability.

Public Liability

Covers claims from products sold or supplied — including food, materials or equipment given to children.

e.g. Child has allergic reaction to a product supplied at the centre.

Documentation Currency

Certificates must be current and available during NQF assessments, compliance audits and renewals.

e.g. Assessor requests proof during a rating visit — instant certificate available.

Without current and adequate cover, approved providers risk:

Compliance findings at NQF assessment
Conditions placed on service approval
Service disruption or suspension
Out-of-pocket legal & compensation costs
APPROVAL ANNIVERSARY READINESS

Provider approval anniversaries create a predictable insurance review window.

Multi-site operators often face fragmented policies, inconsistent renewal dates, and documentation spread across different brokers — creating admin burden and compliance risk.

Without structured insurance support

Separate policies per service location
Inconsistent renewal dates across sites
Waiting days for updated Certificates of Currency
Uncertainty whether all service locations are listed
Admin burden across multiple renewal cycles

With upcover

Cover structured under a consolidated policy (where appropriate)
Aligned renewal dates across services
Certificates issued digitally and instantly
All service locations listed and clearly documented
One renewal process, centralised documentation
why upcover

Fast, digital, compliant — built for approved childcare providers.

PL Up to $20m – Limits well above the NQF $10m minimum — with options to match your service portfolio size.

Instant Certificate of Currency – Get your certificate the moment the cover is bound. Share in one click for any NQF assessment or audit.

100% Online, Cancel Anytime – No paperwork, no broker visits. Get a quote and purchase it in minutes. Monthly payment option available.

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HOW IT WORKS

Get covered in minutes — not days.

01
Get a Quote
Enter your occupation and expected income at app.upcover.com. No personal details required to start.
02
Select Your Cover
Choose policy type and limits that match your compliance requirements.
03
Purchase Online
Complete in a few clicks. No paperwork, no broker.
04
Get Your Certificate
Certificate of Currency issued instantly. Share in one click.

Approval Anniversary Coming Up? Get Covered Today.

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The information contained on this website is general advice only and has been prepared without taking into account your individual needs, objectives and financial situation. It should not be relied upon as advice. All insurance products are subject to the terms, conditions, limits and exclusions contained in the relevant policy wording and Product Disclosure Statement.  Before deciding whether a particular insurance product is right for you, please consider your personal circumstances and read the relevant Product Disclosure Statement, Target Market Determination, Policy Wording, and Financial Services Guide.