Government Insurance, Indemnity and Liability Schedule

Detects whole-of-government or agency-level insurance coverage schedules, self-insurance reserves, indemnity limits, and excess/deductible structures, and quantified contract liability and insurance schedules (liability caps, limits of liability, required professional indemnity and public liability cover), that reveal the State's financial exposure limits. Absorbed global-top500-178-indemnity-and-liability-schedules (2026-09-24).

Type

keyword_proximity

Engine

universal

Confidence

medium

Confidence justification

Medium confidence: the co-occurrence of government insurance fund terminology with coverage limits, deductibles, and confidentiality markers is specific to restricted insurance schedules. Published insurance summaries are excluded.

Jurisdictions

au

Regulations

Financial Accountability Act 2009 (Qld)

Frameworks

QGISCF

Data categories

financial, government

Scope

wide

Risk rating

7

Corroborative evidence keywords

insurance, indemnity, self-insurance, QGIF, Government Insurance Fund, schedule, coverage, limit, reserve, excess, deductible, retention, aggregate, per occurrence, policy period, liability cap, limit of liability, PROTECTED, confidential, Commercial-in-Confidence (+30 more)

Proximity: 300 characters

Should match

• PROTECTED — Queensland Government Insurance Fund. Schedule of Coverage FY26-27. Professional indemnity: limit $50M per occurrence, $200M aggregate. Public liability: limit $100M per occurrence. Self-insurance retention: $5M. Deductible: $500K. Coverage gap identified for cyber liability above $20M. — QGIF coverage schedule with limits and identified gaps
• Confidential — Government Indemnity Schedule. Self-insurance reserve: $340M. Coverage categories: Property ($2B aggregate), Workers compensation ($180M annual), Motor vehicle ($45M). Excess structure: $1M per claim for property, $250K for motor. Not for disclosure to third parties. — Government-wide indemnity schedule with reserve and excess details
• PROTECTED — Government Insurance Fund. Cyber liability schedule, policy period FY27. Limit $75M aggregate, deductible $2M per occurrence, self-insurance retention $10M. Restricted — not for disclosure. — QGIF cyber liability schedule with limits, deductible, and confidentiality markers
• COMMERCIAL-IN-CONFIDENCE Schedule 3 — Liability and Insurance Contract: ICT Managed Services Agreement, contract no. ICT-2026-114 Supplier liability cap: $12,500,000 in aggregate for all claims under the contract Professional indemnity insurance: $10M per claim, maintained for 6 years after expiry Public liability insurance: $20M per occurrence Indemnity: the Supplier indemnifies the State for third-party IP infringement claims without limit. — Contract liability and insurance schedule carried over from the absorbed liability-schedules scope (85)
• Item 9 of the Contract Details is completed as follows: limit of liability for the Consultant is $3,000,000; the Consultant must hold professional indemnity insurance of not less than $2M for each claim. — Populated contract-details liability item without a confidentiality marker (75)

Should not match

• The Queensland Government Insurance Fund provides insurance coverage to government agencies. For information about QGIF, visit the Queensland Treasury website. — Public information about QGIF — no coverage details
• Insurance claim lodgement form. Please describe the incident and estimated cost. Small claims below the standard deductible are not covered. — Routine insurance claim form — no schedule details or dollar coverage amounts
• PROTECTED — Draft. Corporate insurance cost summary: total premiums of $1.2M for the financial year, with a reserve of $400K held against outstanding claims. Confidential — not for disclosure. — shared financial substrate without distinctive signature must not fire
• Fact sheet — liability and indemnity in government contracts. Agencies should consider whether a liability cap is appropriate; for many ICT contracts a cap of $2 million or two times the contract price is common, and suppliers usually hold professional indemnity insurance. — Procurement guidance with an illustrative figure - guidance framing vetoes every tier
• 14. Limitation of liability. The Supplier's liability under this Contract is limited to the Liability Cap specified in Item 9 of the Contract Details. 15. Indemnity. The Supplier indemnifies the Customer against any loss arising from its negligence and holds the Customer harmless. — Standard-form limitation of liability and indemnity clauses without any quantified amount

Known false positives

• Public information about government insurance arrangements Mitigation: Require specific coverage limits, deductibles, or reserve amounts rather than general references to QGIF
• Routine insurance claim forms Mitigation: Exclude documents containing 'claim form', 'lodge a claim', 'incident report' without schedule context
• Standard-form contract clauses (limitation of liability, indemnity, hold harmless, warranty disclaimers) and procurement guidance discuss liability and insurance without a negotiated quantified schedule. Mitigation: A dollar amount is the primary, so unquantified boilerplate never matches; generic clause headings (limitation of liability, hold harmless, consequential damages, risk allocation) are deliberately not evidence; guidance framing (fact sheet, procurement guide, guidance note) vetoes every tier.

References

• Financial Accountability Act 2009 (Qld)