{"id":"tas:sr-2019-048","name":"Strata Titles (Insurance) Regulations 2019","slug":"strata-titles-insurance-regulations-2019","collection":"regulation","jurisdiction":"tas","status":"in_force","isInForce":true,"actNumber":"48 of 2019","makingDate":null,"administeringDepartment":null,"currentVersion":{"id":184512,"registerId":"tas-tas:sr-2019-048-current","compilationNumber":null,"startDate":"2026-04-05","status":"InForce","reasons":null,"registeredAt":null},"sections":[{"sectionNumber":"1","sectionType":"section","heading":"Short title","content":"### 1 Short title\n\n> These regulations may be cited as the [Strata Titles (Insurance) Regulations 2019](/view/html/inforce/2026-04-12/sr-2019-048) .","sortOrder":0},{"sectionNumber":"2","sectionType":"section","heading":"Commencement","content":"### 2 Commencement\n\n> These regulations take effect on 26 August 2019.","sortOrder":1},{"sectionNumber":"3","sectionType":"section","heading":"Minimum amount for public risk insurance","content":"### 3 Minimum amount for public risk insurance\n\n> For the purposes of [section 101(1) of the](/view/html/inforce/2026-04-12/act-1998-017#GS101@Gs1@EN) [Strata Titles Act 1998](/view/html/inforce/2026-04-12/act-1998-017) , the minimum amount is $10 000 000.\n\nDisplayed and numbered in accordance with the *[Rules Publication Act 1953](/view/html/inforce/current/act-1953-050)*.\n\nNotified in the *Gazette* on 24 July 2019\n\nThese regulations are administered in the Department of Primary Industries, Parks, Water and Environment.","sortOrder":2}],"analysis":{"issue_detection":{"absurdities":[{"type":"retroactive_impossibility","section":"Status Information / Authorisation","severity":"low","reasoning":"The modification date precedes the commencement date by over a month, creating a metadata paradox: either the file was modified after 26 August 2019 and the date is wrong, or the version date is wrong. A file that was last touched on 24 July 2019 cannot have produced a version that only became current on 26 August 2019 without some intervening modification.","confidence":0.72,"description":"The file is stated to have been last modified on 24 July 2019, yet the version is stated to be current from 26 August 2019. A file cannot be authoritatively 'last modified' before the version it describes came into force."}],"contradictions":[{"severity":"low","section_a":"Status Information – Currency of version (26 August 2019 to date)","section_b":"Authorisation – File last modified 24 July 2019","confidence":0.7,"description":"The instrument is described as current from 26 August 2019, but the authorisation metadata records the file as last modified on 24 July 2019 — a date approximately five weeks before the stated commencement. These two dates are irreconcilable: a version that became current on 26 August 2019 must have been finalised at or after that date, not before it."}]},"summary":{"complexity_score":3,"scope_assessment":{"changed":false,"description":"Based on the available metadata, there is no indication the scope of this regulation has changed from its original intent. It has been in force without amendment since 26 August 2019 and appears to remain focused on its original purpose of prescribing insurance obligations for strata title schemes in Tasmania."},"complexity_factors":["Subordinate legislation (regulations) dependent on understanding the parent Strata Titles Act for full context","Strata title ownership structures can be confusing for laypeople unfamiliar with shared property concepts","Insurance law involves technical concepts (indemnity, liability, sum insured) that may require explanation","Insufficient operative content was provided to assess full regulatory complexity — only metadata was available","Interaction between state property law and Commonwealth insurance regulation adds a layer of complexity"],"plain_english_summary":"This Tasmanian regulation, made under the Strata Titles Act, governs insurance for strata-title properties (apartments, townhouses and similar) and affects unit owners, strata corporations, property managers, and insurers. It sets out what insurance a strata corporation must hold, how cover and costs are calculated and shared, and obligations to maintain and notify about cover.\n\nNote: the provided file lacked the operative rules, so specific coverage levels and wording were not available."},"kimi_summary":{"content_quality":"ok","complexity_score":1,"scope_assessment":{"changed":false,"description":"The legislation remains precisely scoped to its original purpose: setting the minimum public risk insurance amount for strata titles. It has not expanded beyond this narrow technical function."},"complexity_factors":["Extremely short: only 3 operative provisions","No defined terms section","No cross-references beyond a single citation to the parent Act","No conditional logic, exceptions, or procedural requirements","Single substantive provision setting a fixed monetary amount ($10,000,000)"],"plain_english_summary":"**What this does:**\n\nThese regulations set a single, specific rule for strata title properties in Tasmania (buildings divided into individually owned units with shared common areas, like apartment blocks).\n\nThey fix the **minimum insurance cover** that owners corporations (the legal body representing all unit owners collectively) must have for **public risk insurance** at **$10 million**.\n\n**Who it affects:**\n\n- **Owners corporations** in Tasmania — they must ensure their public liability insurance covers at least this amount\n- **Unit owners** — protected if someone is injured or property is damaged in common areas (lobbies, gardens, driveways, etc.)\n- **Visitors and the public** — anyone injured on common property has recourse to a properly insured entity\n\n**Why it matters:**\n\nWithout this minimum, some owners corporations might underinsure to save money, leaving everyone exposed if someone sues after an accident in a shared area. The $10 million figure provides a baseline safety net for serious injury claims, which can easily run into millions in damages and legal costs.\n\n**Key point:** This is a \"set and forget\" regulation — it doesn't create new obligations, just specifies the dollar amount for an existing requirement in the main Strata Titles Act."},"flash_summary":{"complexity_score":2,"scope_assessment":{"changed":false,"description":"This instrument does not alter who must have public risk insurance under the Strata Titles Act; it only specifies the minimum amount to be maintained ($10,000,000) for the purposes of section 101(1) (see regulation 3)."},"complexity_factors":["Single substantive rule: numeric minimum ($10,000,000) prescribed in regulation 3 — low drafting complexity.","Cross-reference dependency: effectiveness depends on definitions and duties in section 101(1) of the Strata Titles Act 1998, so legal effect requires reading the Act.","Compliance burden concentrated: owners corporations/strata bodies must obtain and pay for insurance at or above the specified level (reg 3).","Limited administrative discretion: regulation prescribes an amount rather than delegating decision-making to an official — enforcement and operational detail remain with the Act and administrators.","Operational details present minor implementation tasks: commencement date set (reg 2) and administration allocated to the Department of Primary Industries, Parks, Water and Environment (instrument header).","Financial impact channelled through insurance markets: fixed floor may raise premiums or change coverage choices for strata bodies; the regulation itself does not set premium mechanisms."],"plain_english_summary":"These regulations set the minimum public risk (public liability) insurance for strata schemes at $10,000,000 for the purposes of section 101(1) of the Strata Titles Act 1998. They apply to owners corporations (strata bodies) required to hold insurance; those bodies pay the premiums and meet the compliance duties, and the Department of Primary Industries, Parks, Water and Environment administers the rule."}},"importantCases":[],"_links":{"self":"/api/acts/strata-titles-insurance-regulations-2019","history":"/api/acts/strata-titles-insurance-regulations-2019/history","analysis":"/api/acts/strata-titles-insurance-regulations-2019/analysis","conflicts":"/api/acts/strata-titles-insurance-regulations-2019/conflicts","importantCases":"/api/acts/strata-titles-insurance-regulations-2019/important-cases","documents":"/api/acts/strata-titles-insurance-regulations-2019/documents"}}