BizCover and WeAIT
Instant online cover for disability workers
Flexible payment options
Easy and professional claims support
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We understand the pressure of working in the NDIS
Disability worker insurance (the different types of business insurance designed for support workers) helps protect against the cost of everyday risks, such as accidental property damage, third party injuries, and negligence claims.
Business insurance is important for disability support workers. It helps safeguard your finances and reputation if legal action is taken against you. It also demonstrates professionalism to clients, employers, and regulatory bodies like the NDIS.
If paying unexpected bills out of pocket would strain your finances, then you might want to consider business insurance.
Simply enter WEAIT in the referral code field to take advantage of this great offer.
Referral Code
WEAIT
Why do disability workers need insurance?
Disability workers may need business insurance to meet industry or contractual requirements and help pay unexpected bills.
Meet the NDIS Terms of Business for Registered Providers.
Work as a contractor or sub-contractor
Pay legal costs if you face a liability claim
Who needs disability worker business insurance?
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
Cover made for disability worker
Search for your occupation and compare free quotes
Types of cover we Offer NDIS Workers
Tailor your quote to your business, compare cover, and buy online in minutes.
Unsure what types of business insurance to get? We’ve got you! Here’s what other disability workers tend to choose:
Popular cover types for NDIS Workers:
NDIS Workers may also consider:
How much does disability worker 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.
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. Two of the most common policies for disability workers are Professional Indemnity insurance and Public Liability insurance.
Professional Indemnity insurance will assist you in the event of negligence or breach of duty as a disability support worker. Your Professional Indemnity insurance will cover matters such as an award or settlement of compensation payable to a third party and defence costs (like legal fees, investigation costs, and expert fees).
Public Liability insurance protects disability support workers against claims for property damage or bodily injury from clients or members of the public. This could include 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, Public Liability insurance and Professional Indemnity insurance could help you manage the cost of compensation claims and lawsuits.
Real-life customer reviews verified by Feefo