Aged Care & Community Care Insurance
Meets AHPRA insurance requirements
Professional Indemnity up to $10m; Public Liability up to $20m
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Over 1.3 million Australians used aged care services during the 2024 financial year1. With this number expected to rise as the nation’s population ages, aged care workers will become an even more critical part of the workforce.
Aged care workers provide essential care and emotional support to patients. But working closely with older clients creates risks that you may want to protect yourself against.
BizCover has helped aged care and community care workers protect themselves since 2008. Whether you’re an independent care worker or running a care facility, we offer tailored cover designed to protect your financial and professional future.
Gen Aged Care Data, accessed 22 Oct 2025
Why do aged care providers and nursing homes need insurance?
Aged care workers may need business insurance to help them manage the cost of everyday risk.
You provide essential care and take great responsibility for your patients. If something goes wrong, you could be liable. Business insurance can help you manage claims and meet legal requirements, such as:
Meet AHPRA requirements
Work as a contractor or sub-contractor
Helps to manage costs relating to cyberattacks and data breaches
Pay legal costs if you face a liability claim
Cover designed for:
Business insurance may be essential for aged care workers, care facilities, and other community care professionals, such as
Serviced Apartments / Supported Independent Living
Community Home Care
Healthcare Labour Hire Agencies
Respite Residential Care
Occupational Therapists
What is covered
Depending on the types of cover you choose, insurance for aged care workers may cover everyday risks, such as:
- Negligence claims – A patient or a member of their family accuses you of providing inadequate support or care that resulted in patient injury or a negative health outcome.
- Privacy breaches – If a patient’s private information is lost via a cyberattack, data breach, or unauthorised access.
- Management risks – OHS breaches, unfair dismissal claims, harassment and discrimination claims, and more.
What insurance do aged care workers need?
Public Liability (PL) and Professional Indemnity (PI) are the two most common types of cover taken by aged care workers. BizCover offers a combined PL-PI policy designed for aged and community care professionals.
However, there are many types of insurance that aged care workers may choose, including
Popular cover types for aged care workers
Aged Care Workers may also consider:
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How much does aged care insurance cost?
The average cost of an Allied Health Combined Liability policy for an aged care worker is $37 per month* with BizCover. The cost of your cover will depend on various factors, such as the care services you provide and the size of your business.
Factors influencing cost
Risks of the industry
Cover level amount
Annual turnover
Number of employees
Claims history
*Customer Average Monthly Payment Report is based on on 1 July 2024 to 30 June 2025 and presented as a guide only. It may not reflect pricing for your particular business, as individual criteria will apply.
Get cover that works with the risks of your business
Select different cover amounts for each policy listed below.
This is the most you will be paid out if you need to make a claim.
Unsure how much to choose? Think about:
Statutory Profession Requirements
Cover required by contracts
Number of employees being covered
Your contract value
Worst case scenario claim size
Underinsurance
We know it’s tempting to select a lower level of cover to reduce premiums, but this can leave businesses shocked and insufficiently covered when making a claim.
Ways underinsurance catches business owners out:
Inflation
With inflation, the cost of living and doing business increases. Remember to over yourself, your tools and assets for the rising costs of replacing or covering them, not what you paid for them – you may be surprised at the difference.
Not covering the full cost of your risks
If you select cover levels for less than the value you may be found liable – left out of pocket when it comes to claims time. It’s important to review your risks and determine how much you will need to cover any claim that may come your way.
Factors influencing cost
Risks of the industry
Cover level amount
Annual turnover
Number of employees
Claims history
*Customer Average Monthly Payment Report is based on 1 July 2023 to 30 June 2024 and presented as a guide only. It may not reflect pricing for your particular business, as individual criteria will apply.
Get cover that works with the risks of your business
Select different cover amounts for each policy listed below.
This is the most you will be paid out if you need to make a claim.
Unsure how much to choose? Think about:
Statutory professional requirements
Cover required by contracts
Number of employees being covered
Your contract value
Worst case scenario claim size
Underinsurance
We know it’s tempting to select a lower level of cover to reduce premiums, but this can leave businesses shocked and insufficiently covered when making a claim.
Ways underinsurance catches business owners out:
Inflation
With inflation, the cost of living and doing business increases. Remember to over yourself, your tools and assets for the rising costs of replacing or covering them, not what you paid for them – you may be surprised at the difference.
Not covering the full cost of your risks
If you select cover levels for less than the value you may be found liable – left out of pocket when it comes to claims time. It’s important to review your risks and determine how much you will need to cover any claim that may come your way.
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See How Much Others Have Saved By Purchasing a Policy Through BizCover
Colette
Disability Care Worker from
NSW
Saved
$1,200
on
Public Liability and Professional Indemnity insurance
Andrea
Beautician from
VIC
Saved
$1,500
on
Business insurance Pack and,
Public Liability and Professional Indemnity insurance
Deborah
Cleaner from
VIC
Saved
$3,600
on
Public Liability insurance
Lance
Electrician from
ACT
Saved
$800
on
Public Liability insurance
Stephen
IT Professional from
VIC
Saved
$1,500
on
Information Technology Liability insurance
Linda
Restaurant owner from
NSW
Saved
$1,000
on
Business Insurance Pack and
Public Liability insurance
^ Savings made from January 2024 to April 2025. This information is provided as a guide only and may not reflect pricing for your particular business, as individual underwriting criteria will apply.
Frequently asked questions
Aged care workers registered with Australian Health Practitioner Regulation Agency (AHPRA) must have Professional Indemnity insurance to work in Australia.
Public Liability insurance may be mandatory if you work as a contractor or sub-contractor for an aged care facility or community care services organisation. This requirement may be part of the work contract you sign with the facility, service provider, or organisation.
Aged care facilities may need different types of insurance depending on their business structure and needs. Popular types of cover include:
- Professional Indemnity – Covers you for losses claimed by a third party and defence costs due to alleged or actual negligence in your professional services or advice.
- Public Liability – Covers you if a third-party claim that your negligent business activities caused them injury or property damage. This includes defence costs cover.
- Cyber Liability – Covers losses from claims arising from data breaches, business interruption and remediation costs following an actual or threatened data breach.
- Management Liability – Covers claims of wrongful acts in the management of the insured business and can include directors’ and officers’ liability, employment practices liability, crime, statutory liability and tax audit.
Aged care and carer insurance is designed to cover a wide range of occupations within the allied health industry, such as:
• Aged care workers
• Nurses
• Caregivers
• Occupational therapists
• Respite residential care workers
• And many more
Yes, BizCover has insurance options designed for disability care and NDIS providers.
The main difference between aged care insurance and community care insurance is where the insured works and will be covered.
Aged care insurance covers people working in residential care facilities, such as nursing homes or assisted living. Community care insurance covers people working in patient homes or the community. BizCover offers insurance options designed to protect both aged care and community care workers.
Maybe. The businesses or organisations you work with will likely have their own insurance in place. However, their policies may not adequately cover contractors and sub-contractors or may not cover them at all. Having your own business insurance helps ensure that your finances, reputation, and career are protected even whilst working for another business.
The short answer is, it depends. Some policies cover volunteer activities, while others do not. It’s important to check your policy wording to understand when you are and are not covered.
Yes! BizCover offers cover options made for sole traders and self-employed aged care workers.
Aged care and community care businesses are unique, each with their own unique business insurance needs. That’s why BizCover offers flexible cover limits to help protect sole traders and small businesses of any size.
Aged care workers can choose Professional Indemnity limits from $250,000 to $10 million and Public Liability limits up to $20 million.
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