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Effective 15 February 2020

The ESL provides funding for the NSW fire and emergency services which is currently collected through a levy on insurance policies.

Following the release of the final assessments for the 2018/19 NSW ESL Returns, the industry premium pool was bigger than originally projected. 

In light of a bigger premium pool base, FM Global have estimated that to meet the funding obligations to the fire and emergency services a rate of 29% will need to be applied to all assessable NSW premium effective 15 FEB 2020.

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.

We expect a rate rise effective 30 JUN 2020 largely driven by the significant increase to the brigade budget for 2020/21. We will provide further communication on the ESL rate change for 2020/21, once the brigade budget has been gazetted.


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 the 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: