NDIS Disability Support Worker Insurance
Tailored cover for disability care, aged care, and NDIS providers
Combined Professional Indemnity and Public Liability cover
Competitive pricing with our Price Promise
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Insurance for disability care and NDIS providers
Providing patient care involves risk, from accidental property damage and third-party injuries to negligence claims or a cyberattack compromising patient records.
That’s why many support workers, aged care workers, and NDIS providers choose business insurance to help them manage their workplace risks and meet regulatory body requirements. Business insurance helps protect your finances and reputation, and in some cases, insures you can legally provide care services in Australia.
BizCover offers competitively priced business insurance options for sole traders and small businesses in the aged, disability care, and NDIS provider industry.
Why do aged care and NDIS providers need insurance?
Care and support workers provide critical care to patients, but a simple mistake or accident could lead to an expensive lawsuit or claim.
That’s why responsible care worker choose insurance to protect their business and career. You may need business insurance to
Meet the NDIS Practice Standards for registered providers.
Work as a contractor or sub-contractor
Pay legal costs if you face a liability claim
Let’s cover your small business on the go
Start a quote to see how much you can save and buy online in minutes.
Types of aged care and disability workers we cover
Business insurance is essential for many disability support workers, home care workers, and many more, including:
Aged Care Workers
Disability Support Workers
NDIS Providers
Support Workers
Home Care Workers
Residential Care Workers
Did you know?
Registered NDIS providers must hold Professional Indemnity and Public Liability insurance to meet the NDIS Practice Standards set by the NDIS Quality and Safeguards Commission.
What types of insurance do disability support workers need?
NDIS providers are required to have Public Liability and Professional Indemnity insurance, at a minimum. Build an insurance package from these and other popular forms of cover that suit your needs and buy online in minutes
Popular cover types for disability workers:
Disability workers may also consider:
How much does disability work insurance cost?
The average cost of business insurance for aged and disability workers is $33 per month with BizCover. However, the amount you pay will depend on many factors, such as the number of employees covered and the services you provide.
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 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.
How It Works – Buying Online
5 easy steps to get instant cover online today
Select Profession
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Add Business Details
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Get Covered Online
5 Steps to get your biz insured:
- Enter Occupation
Search & select your occupation
- Choose Cover(s)
Select the cover you need
- Business Details
Tell us about your business
- Compare Quotes
Compare prices & select quotes
- Get Cover Today
Instant policy docs to your inbox.
How To Make a Claim Online
We’ll assist you through the claims process & manage the claim directly with the insurer.
Let us know Fill out our
claims form and provide info
to support the claim
Receive extra support We
will assist you with your claim
Claim results We will notify
you of the claim outcome.
3 steps to get your biz insured:
- Let us know
Fill out our claims form and provide info to support the claim.
- Receive Extra Support
We’ll assist you with your claim.
- Claims Results
We’ll notify you of the claim outcome.
Award-Winning Tech & People
We’re not ones to blow our own trumpet, but we are pretty proud of our innovative insurance platform, outstanding team, and stellar workplace.
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
There are many types of business insurance available to disability support workers that cover different risks that they may face on the job. The most common policies for support workers are Professional Indemnity insurance and Public Liability insurance.
Professional Indemnity insurance helps you protect against claims of negligence or breach of duty in your services or advice. It also covers compensation payable to a third party and defence expenses (like legal fees, investigation costs, and expert fees), up to the policy limits.
Public Liability insurance protects disability support workers against claims for property damage or bodily injury from clients or members of the public. It includes accidents that happen while working in your client’s home or community settings.
Disability workers are also required to maintain adequate levels of Professional Indemnity and Public Liability insurance to meet the NDIS Terms of Business for Registered Providers.
In case of accidental harm, business insurance could help you manage the cost of compensation claims and lawsuits.
Hear from our customers
Very easy to navigate and get the exact cover i required in no time at all!
Bradley
This is my second year with BizCover since starting my business. The process has been quick and easy with competitive prices both times.
Natasha
Follow up phone call was actually helpful and informative. Easy to set up insurance which was essential as I have my first job in an hour!
Linda
It was easy to work through and apply for, thank you for the convenience
Rani
Straight forward process brings it all together in one place
Richard
Real-life customer reviews verified by Feefo