Business type · Amusement and Other Recreational Activities n.e.c. · ANZSIC 9139
Adventure tourism insurance in Australia
For an adventure tourism in Australia - Amusement and Other Recreational Activities not elsewhere classified (ANZSIC class 9139) - business.gov.au states that workers compensation insurance is compulsory for every Australian business once it employs anyone, under the scheme of each state it employs in, and business.gov.au names no other cover as required of this class by an Australian law; no source we read requires public liability insurance and tools and equipment insurance of this class by law, only whoever makes them a condition of a lease, a venue hire, a permit or a contract - as stated by business.gov.au and the ABS's ANZSIC 2006 (Revision 2.0), both checked on 3 November 2026.
The same page answers for outdoor adventure business, white water rafting, bungy jumping, paintball, escape room, rock climbing centre and go kart track: all of them sit in the one ABS class, so the sources below treat them the same way. Those are OpenStream's words for the class, not the ABS's.
Which state does it operate in?
For Adventure tourism. You can change that in the brief.
Tap one to begin. 6 more questions and your details, then your brief goes to a licensed broker. No premium is shown: business cover is priced per risk and no regulator publishes it. Open the check
What the classification says this business is
Amusement and Other Recreational Activities not elsewhere classified (ANZSIC class 9139) sits in ABS Division R, Arts and Recreation Services. Every class-specific claim below is built from this definition, reproduced verbatim.
This class consists of units mainly engaged in providing amusement and other recreational services not elsewhere classified. Included in this class are units that provide outdoor recreational services such as bungy jumping and white water rafting.
Amusement and Other Recreational Activities n.e.c., ANZSIC 9139, from the Australian Bureau of Statistics' Australian and New Zealand Standard Industrial Classification (ANZSIC), 2006 (Revision 2.0), read 3 November 2026, reproduced under the ABS website copyright statement (Creative Commons Attribution 4.0 International). “adventure tourism” is OpenStream's plain wording for the class, not the ABS's.
What the regulators say is required
Only what a named regulator or Act is reported as requiring, each row quoting the source it came from. OpenStream is not an authority on any of it and states nothing of its own here.
| Cover | Why it applies to this class |
|---|---|
| Workers compensationonce the business employs | True of every Australian business, not of this class in particular: 8 state and territory schemes each set their own trigger, and the business deals with the regulator of every state it employs in. The 8 schemes and their triggers. |
Required by a contract, or by nothing we could find
A landlord, a council, a venue, a head contractor or a client can make a cover a condition. That is not the same as a law requiring it, and a page that says it is has misled you.
| Cover | Obligation | Why it applies to this class |
|---|---|---|
| Public liability insurance | not required by law; required by contract where someone makes it a condition | the ABS names the activities itself, which is unusual for a residual class: units "that provide outdoor recreational services such as bungy jumping and white water rafting". What those have in common is that they happen on land and water the operator does not own - a park, a river, a reserve - so the public liability requirement and the sum insured come from the land or waterway manager's permit or licence to operate there, and a single operator can hold several at different figures. business.gov.au lists no law requiring the cover, only that a business may need it "because people you deal with need it", as stated by business.gov.au, the Australian Government's business information service, checked on 3 November 2026. |
| Tools and equipment insurance | not required by law or by any standard condition | in this class the equipment is the activity: the ropes, harnesses, rafts, helmets and karts that go to a site and come back. business.gov.au's covers for that are contents for "damage or loss from events including fire, storms or break-ins", burglary for "losses, damages and associated costs from a break-in or theft", and goods in transit for "the items you buy, sell or use in your business for loss or damage during transport". None is required by law, and because "tools of trade" is an insurer's product name rather than a defined cover, whether a harness lost from a locked trailer is insured is set by that one policy, as stated by business.gov.au, the Australian Government's business information service, checked on 3 November 2026. |
Every cover type
What each covers, what it excludes, and who requires it.
Questions
Each answer carries its source inside it and the day it was checked (3 November 2026).
What is the cheapest insurance for an adventure tourism in Australia?
There is no answer to that question, and any page that gives one has made it up. OpenStream publishes no premium for any business cover, and no range, no "from" figure and no typical cost: business insurance is underwritten per risk from the trade, the turnover, the premises and the claims history, so there is no list price to read, and no Australian regulator publishes business premiums the way the Private Health Insurance Ombudsman publishes every open health policy's premium. What can be said, and is said on this page, is which covers Amusement and Other Recreational Activities not elsewhere classified (ANZSIC class 9139) is required to hold and who requires them, each with its source and the day it was checked (3 November 2026).
What insurance does an adventure tourism legally need in Australia?
Workers compensation insurance, once the business employs anyone: business.gov.au, the Australian Government's business information service states that "Employers must get workers compensation insurance from an authorised insurer" and that "The laws vary in each state and territory", checked on 3 November 2026. Beyond that, no Australian law requires any cover of this class; the rest is contractual or commercial.
Does an adventure tourism need public liability insurance?
Not by law. No Australian law requires public liability insurance of businesses generally, as stated by business.gov.au, the Australian Government's business information service, checked on 3 November 2026. For this class, the ABS names the activities itself, which is unusual for a residual class: units "that provide outdoor recreational services such as bungy jumping and white water rafting". What those have in common is that they happen on land and water the operator does not own - a park, a river, a reserve - so the public liability requirement and the sum insured come from the land or waterway manager's permit or licence to operate there, and a single operator can hold several at different figures. business.gov.au lists no law requiring the cover, only that a business may need it "because people you deal with need it".
Does an adventure tourism need tools and equipment insurance?
Not required by law or by any standard condition: in this class the equipment is the activity: the ropes, harnesses, rafts, helmets and karts that go to a site and come back. business.gov.au's covers for that are contents for "damage or loss from events including fire, storms or break-ins", burglary for "losses, damages and associated costs from a break-in or theft", and goods in transit for "the items you buy, sell or use in your business for loss or damage during transport". None is required by law, and because "tools of trade" is an insurer's product name rather than a defined cover, whether a harness lost from a locked trailer is insured is set by that one policy, as stated by business.gov.au, the Australian Government's business information service, checked on 3 November 2026.
Sources
- business.gov.au, the Australian Government's business information service read 3 November 2026
- the Australian Bureau of Statistics' Australian and New Zealand Standard Industrial Classification (ANZSIC), 2006 (Revision 2.0) read 3 November 2026
- Every claim on these pages is traced to a regulator, a government scheme, a Commonwealth or state government information service, the Insurance Council of Australia or ASIC's Moneysmart. No insurer's or broker's page is a source anywhere in this line.
General information only, not advice. OpenStream is not an insurer, not a broker and holds no Australian financial services licence. It does not sell, arrange or recommend insurance, and nothing here is a recommendation or a quote. Everything on this page is built from public sources - regulators, government bodies and the providers' own published material - each named and dated where it is used, so you can check it yourself. It does not take account of your circumstances. How OpenStream works · Corrections and complaints