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NSW Emergency Services Levy

Effective 30 June 2019

The NSW Government announced the deferral of the Fire and Emergency Services Levy (FESL) as a property based tax requiring the Emergency Services Levy (ESL) as an insurance based tax to continue until further notice. 

The Government recently announced the new ESL Contribution Target of $897.6m which is a 15 per cent increase from the preceding year. This increase is to provide for an expansion of firefighters compensation benefits, funding vital new vehicles and equipment for Fire and Rescue NSW and the NSW Rural Fire Service, as well as ongoing operational costs for these agencies and the State Emergency Service

FM Global have estimated that to meet the funding obligations to the fire and emergency services a rate of 30.5% will need to be applied to all assessable NSW premium effective 30 June 2019. 

The rate will be reviewed periodically and may vary in future in response to revised Brigade budget expectations, revised industry insurance premium pool estimates, and other factors arising from the NSW government’s decision to reinstate the insurer ESL.



The Emergency Services Levy (“ESL”) is a charge that is added by the insurance company to the cost of your property insurance to recover its required contribution to emergency services agencies in NSW. The ESL paid with any premium on a policy is used to fund emergency services in NSW in the financial year in which the policy commences.

The Insurance Monitor

The Insurance Monitor was established in June 2016 as an independent body. One of its functions is to monitor the prices for the issue of regulated contracts of insurance. Professor Allan Fels AO and Professor David Cousins AM have been appointed by the NSW Government as the Emergency Services Levy Insurance Monitor and Deputy Monitor, respectively and remain in these roles.

If you would like further information

Contact your FM Global Account Manager or AFM Production Underwriter in the first instance if you have questions about your policy.

Information about the Insurance Monitor can be found at: