Why do Disability Workers need Public Liability and Professional Indemnity Insurance* ? 

Part of your role as a disability support worker, is to provide care that gives your clients the opportunity to experience a more satisfying and fulfilling lifestyle. You may be helping them perform daily activities, such as shopping, community activities or enjoying their hobby.  Your clients put their trust in your specialist services and professional advice, relying on you to help them live their best lives. 

Having Professional Indemnity and Public Liability insurance as a disability support worker is vital important to provide protection for you while you help your clients. Whether you a sole trader, contractor or carer possibly as part of the National Disability Insurance Scheme (NDIS), you could be exposed to risks which may result in a Professional Indemnity or Public Liability claim against you. 

We know, sometimes you just want a quick idea of how much your insurance is actually going to cost.  However, it’s important to note that the data included within this article was sourced from BizCover customer data during 2016/2017 and is intended as a guide only.  It may not reflect pricing for your particular business as individual underwriting criteria will apply.  Get a hassle-free quote for your business here.

Did you know? 

Under the NDIS Terms of Business for Registered Providers (2017), participants are required to maintain an adequate level of insurance including Public Liability insurance and Professional Indemnity insurance. 

Through BizCover, you can compare insurance packages from some of Australia’s leading insurers, that help meet the needs of disability support workers.  

They provide protection and peace of mind when insurance claims have the potential to not only leave you substantially out of pocket but also could affect your reputation too. 

What does it cover? 

A Disability Support Worker’s insurance package includes Professional Indemnity* and Public Liability* insurance. 

Professional Indemnity*

An important form of insurance that is designed to respond to claims against your business for losses incurred by a client as a result of actual or alleged negligent acts or omissions in the provision of your professional service or advice. Professional Indemnity claims could be caused by your negligence, errors or omission in the provision of your professional support service such as a failure to follow emergency procedures.  

Your Professional Indemnity insurance will  cover matters such as: 

  • An award or settlement of compensation payable to a third party; and  
  • Defence costs (such as legal fees, investigation costs, expert fees) 

Professional Indemnity insurance is a ‘claims made’ type of insurance, meaning your current Professional Indemnity policy will only respond to claims made against you in the policy period, even if those claims concern your past work.  Should you decide to stop working as a Disability Support Worker, there is an option to include what is commonly referred to as  ‘run-off cover’.  This type of insurance is designed to provide protection from professional negligence claims even after you have stopped working.   

It is important to note that the policies offered through BizCover, do not provide cover for procedures that would require a medical or nursing qualification. 

Public Liability Insurance* 

Every day you work closely with your clients and members of the public, making Public Liability insurance an important type of insurance for disability support workers. Public Liability insurance is designed to provide protection for you and your Disability Services business in the event a patient, supplier or a member of the public is injured or sustains property damage as a result of your negligent business activities. 

A public liability claim could arise from forgetting to clean a spill on the floor, causing someone to slip and injure themselves or damaging your client’s property while it is in your care. 

*As with any insurance, cover will be subject to the terms, conditions and exclusions contained in the policy wording. The information contained on this web page is general only and should not be relied upon as advice.

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