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NSW Emergency Services Levy

The ESL is a charge added by an insurance company to the cost of your property insurance to recover its required contribution to emergency services agencies in NSW.

In 2016, the NSW Government signalled plans to replace the Emergency Services Levy (ESL) paid on insurance, with a new Fire and Emergency Services Levy (FESL) which would be collected with council rates effective from 1 July 2017.

However, the NSW Government delayed these changes and on 30 May 2017 announced that insurers would again be required to collect ESL from policy holders, recommencing from 1 July 2017.

We've prepared some information about the update to the ESL and the impacts to your policy.

What Is the Emergency Services Levy (ESL)?

The ESL is a charge added by an 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 fire and emergency services in NSW in the financial year in which the policy commences.

How will this affect my insurance?

In line with the original changes in 2016, we previously advised policy holders that we would be removing the ESL for all property insurance policies. However, given the deferral of the new FESL legislation, an ESL has been reintroduced on all NSW property insurance policies.

What does this change mean for me?

This change simply means that you will continue to pay the ESL on your insurance policy, rather than funding of NSW emergency services agencies through the proposed FESL in council rates.

If your policy has incurred a charge for the ESL, this amount is your contribution to the NSW emergency services for the financial year in which your policy commenced, and this amount will be outlined in your policy documentation ( if applicable).

What do I need to do?

Nothing. Simply follow the payment instructions provided with your policy documentation. The ESL collected will be used to fund NSW emergency services. Your policy documentation will detail your contribution.

Will I be charged ESL with my council rates?

No. With the deferral of the FESL legislation, councils should not be charging the ESL yet as it will be collected via insurance policies.

What kinds of insurance include ESL?

ESL is collected each financial year as part of home, contents, personal effects, motor and commercial property insurance payments.

What is the ESL rate applicable to my policy?

We attempt to collect the ESL at a level that is sufficient to meet our required contribution to fund the emergency services agencies in NSW. The table below outlines the ESL rates applicable to your policy:

ClassPolicies Incepted bet. 01/08/17 and 31/03/18Policies Incepted bet. 01/04/18 and 31/01/19Policies Incepted bet. 01/02/19 and 31/05/19
Policies Incepted bet. 01/06/19 and 31/06/19
Policies Incepted bet. 01/07/19 - 30/11/19
​Policies Incepted from 01/12/19
Electronic Equipment
1% ​1%

Who can I contact for more information?

If you have any questions about this change to your policy, please contact your CCI Client Relationship Executive on 1800 011 028.

If you would like more information on how the ESL is required to be collected by insurers, you can contact the Emergency Services Levy Insurance Monitor on 1300 607 723 or visit  

If you would like more information on the changes made to the ESL and FESL by the NSW Government, you can contact the NSW Treasury by email at  



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