3.5 What about state and territory laws? In addition to the Discrimination Acts, insurers also have obligations under relevant state and territory anti-discrimination legislation.53 might impose different, or stricter, obligations. They may also provide protection to a wider range of protected attributes than the Discrimination Acts. The Discrimination Acts do not exclude the operation of state and territory anti-discrimination legislation where it is capable of operating alongside the Discrimination Acts.54 This means that While it is beyond the scope of this Guidance Resource to examine state and territory antidiscrimination laws in detail,55 the following table provides an overview of the relevant legislation and authorities (with links to specific resources in the endnotes) that insurers may wish to consult in assessing their compliance with state and territory state and territory anti-discrimination legislation laws. State or territory Anti-discrimination legislation Relevant authority Australian Capital Territory Discrimination Act 1991 (ACT) ACT Human Rights Commission56 New South Wales Anti-Discrimination Act 1977 (NSW) Anti-Discrimination Board of NSW57 Northern Territory Anti-Discrimination Act 1992 (NT) Northern Territory AntiDiscrimination Commission58 Queensland Anti-Discrimination Act 1991 (Qld) Anti-Discrimination Commission Queensland59 South Australia Equal Opportunity Act 1984 (SA) Equal Opportunity Commission60 Tasmania Anti-Discrimination Act 1998 (Tas) Equal Opportunity Tasmania61 Victoria Equal Opportunity Act 2010 (Vic) Victorian Equal Opportunity and Human Rights Commission62 Western Australia Equal Opportunity Act 1984 (WA) Equal Opportunity Commission63 Guidance Resource: Artificial intelligence and discrimination in insurance pricing and underwriting • 2022 • 19