Insurance for NDIS Providers
We cover off everything you need to know about Insurance for NDIS Providers
NDIS InsuranceNDIS Insurance for Support Workers
NDIS Insurance for Providers including Professional Indemnity & Public Liability Insurance
Why Insurance for NDIS Businesses Matters
NDIS providers have an important role to play, with a large responsibility for the safety and care of their clients. Having adequate insurance in place can protect you financially from the ramifications if something were to go wrong. Comprehensive Insurance can protect you from situations such as
- Property damage
- Bodily injury
- Sexual abuse claims
- Advice and Recommendations
- Breach of Professional Duty
Morgan Insurance Brokers aren’t a comparison site, we are a full-service Insurance Brokerage with your best interests at heart to ensure that your NDIS business is protected from claims brought against you during your day to day business activities.
What Does Public Liability Insurance Cover?
Public Liability Insurance for an NDIS provider will extend to cover you for the legal impacts and costs if a third party suffers from injuries, or property damage as a result of your teams negligence. Your employees and volunteers can be included within this cover.For example, your clients could be injured whilst out on social outings, playing group sports, enjoying recreational activities or attending local events and festivals.A Public Liability Insurance policy can pay the legal and defence costs if such claim was brought against you. Damages for compensation can also be awarded against you, in which a Public Liability Insurance can cover these costs.
What's standardly excluded under Public Liability Insurance?
Events that occur outside of your policy dates
Sexual Abuse (optional cover)
Injuries to your employees
Asbestos and Pollution Liability
Damages caused by your motor vehicles
Intentional and deliberate acts
Professional Advice and Recommendations
Claims where you have assumed Liability
Insurances that an NDIS Provider should consider
Public liability insurance protects NDIS providers against claims made by clients, visitors, or members of the public for injury, illness, or property damage caused by their business activities. It covers legal costs, compensation payouts, and associated expenses. For NDIS providers, this insurance is crucial because it ensures they can continue operating while meeting the NDIS Commission’s safety and quality requirements, providing financial protection in case of accidents or unforeseen incidents during service delivery.
Professional indemnity insurance protects NDIS providers from claims arising from professional mistakes, negligence, or breaches of duty in their service delivery. It covers legal defence costs, settlements, and compensation if a participant or third party suffers loss due to advice, support, or services provided. For NDIS providers, this insurance is essential to safeguard their business, maintain compliance with NDIS requirements, and ensure participants receive safe, reliable, and accountable care.
Fire cover insurance protects an NDIS provider’s office locations and contents against damage or loss caused by fire, smoke, or related incidents. It typically includes repair or replacement costs for buildings, equipment, furniture, and important documents. This cover helps ensure business continuity by minimising financial disruption after a fire. For NDIS providers, maintaining fire cover is crucial to protect service operations.
Sexual abuse cover is a specialised, non-standard insurance option that protects NDIS providers against claims of sexual misconduct, abuse, or assault made against staff, volunteers, or contractors. It can cover legal defence costs, settlements, and compensation to victims. Because these claims are excluded from most general or professional liability policies, sexual abuse cover must be specifically added. For NDIS providers, it demonstrates strong risk management and commitment to participant safety and organisational accountability.
Theft cover protects NDIS providers against financial loss due to stolen property or equipment from their office or service locations. It typically covers break-ins, employee theft, and burglary-related damage to premises or contents. This insurance helps providers quickly recover from losses without interrupting essential services. For NDIS organisations, theft cover is important to safeguard valuable assets, maintain operational stability, and ensure the security of participant records and resources.
Management liability insurance protects NDIS providers and their management teams against claims arising from wrongful acts in running the organisation. This can include breaches of duty, mismanagement, employment practices (like unfair dismissal or harassment), and regulatory investigations. It covers legal defence costs, fines (where insurable), and compensation. For NDIS providers, management liability is vital to safeguard directors, officers, and the organisation itself from financial and reputational damage caused by governance-related risks.
Business interruption insurance protects NDIS providers against financial losses if their office operations are disrupted due to unexpected events such as fire, flood, or major equipment failure. It covers lost income, ongoing expenses like rent and wages, and the costs of temporarily relocating. For NDIS providers, this cover is crucial to ensure continuity of essential services and financial stability while normal operations are restored, helping them maintain consistent care for participants during unforeseen disruptions.
Machine breakdown insurance covers the cost of repairing or replacing essential machinery or equipment that fails due to mechanical or electrical breakdown. However, for NDIS providers, this type of insurance is generally not relevant, as their operations usually don’t rely on heavy or specialised machinery. Instead, focus is placed on professional indemnity, public liability, and property-related covers, which are more applicable to their service delivery and administrative operations.
Electronic breakdown insurance covers the repair or replacement costs of electronic equipment that fails due to mechanical, electrical, or electronic faults. For NDIS providers, this includes essential devices like computers, servers, communication systems, and assistive technology used in service delivery and administration. This cover helps minimise downtime and financial loss from unexpected equipment failures, ensuring continuity of participant support and business operations. It’s particularly relevant given the reliance on digital systems and secure data management.
Workers compensation insurance provides protection for NDIS providers if an employee is injured or becomes ill due to their work. It covers medical expenses, rehabilitation, and lost wages, and can include lump-sum payments for permanent disability or death. This insurance is mandatory for all employers in Australia and helps NDIS providers meet their legal obligations, ensuring staff receive proper support and financial protection following workplace injuries or accidents.
Motor vehicle insurance covers NDIS providers for damage, theft, or loss involving company-owned or used vehicles. It typically includes comprehensive, third-party property, and liability cover. Importantly for NDIS providers, this insurance can extend to damage caused by participants during transport services. It helps cover repair or replacement costs, legal liabilities, and third-party property damage. Having appropriate motor vehicle cover ensures participant transport remains safe, compliant, and financially protected against unexpected incidents on the road.
Cover for Support Workers
Ensure your support services are fully protected with specialised NDIS insurance designed for carers and disability support professionals
Our cover supports those providing essential daily assistance, including:
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Personal Care Support: Helping participants with bathing, dressing, grooming, and other hygiene needs.
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Household Assistance: Supporting with cleaning, meal preparation, and general home maintenance.
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Transport Services: Safely driving participants to medical appointments, community activities, and social events.
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Community Engagement: Encouraging inclusion through social interaction, recreation, and skill-building activities.
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Skill Development Support: Assisting participants to improve communication, employment readiness, and independent living skills.
Protect your business and your participants with comprehensive NDIS support worker insurance tailored to meet compliance requirements and give you peace of mind.
Sexual Abuse Cover
Claims for sexual abuse, sexual harassment, intimidation, molestation, and indecent exposure, whether actual or alleged is not standard and needs to be requested to be added to your policy. There are limited insurers that offer this cover, and it comes at an additional premium. Not all requests for this cover are approved as there needs to be thorough documentation and procedures that satisfies the insurers requirements.
Your Vicarious Liability
As the primary carer, and first point of call for the care of your recipients, if a claim were to occur, it is likely that the claim will be brought against your company first. Regardless of fault, there could be legal costs involved as a result of these claims. For example, if you’ve arranged for counselling services, or medical services for your client and as a result of those services, your client suffers injury, the claim could be brought against your business first. From there, there would be a long legal process to determine the facts and circumstances of the event, to determine your companies involvement and portion of liability. This process can be quite costly. Having the right insurances in place is crucial to the survival of your business.
Motor Vehicle Liability
Motor vehicle related injuries are higher risk due to the frequency of travel and transportation services provided by NDIS support facilities where they take their clients on outings, to appointments, and shopping.
The risk is lower for those providers that mainly engage in at home visits.
Larger NDIS Support businesses may own a bus that transports their clients which carries a greater risk as there would be multiple claimaints if there were to be an accident.
Special vehicles that are designed to assist with mobility, such as wheelchair ramps etc, carry a greater risk also as the mechanics could fail resulting in injuries, or the client could be loaded or unloaded incorrectly which could also result in injury.
For businesses that allow their employees use their own vehicles, there is also an increased risk as the condition and safety of the vehicles could be unsafe for client transportation.
Professional Indemnity
Mistakes happen, and Professional Indemnity Insurance can protect these mistakes. It can protect NDIS organisations from claims brought against them for any actual, or alleged negligence that result in a financial loss. This includes claims where you’ve breached your Professional duty, and claims where the advice and recommendations you’ve provided results in a loss.
Examples for an NDIS provider may be
As you know, for every customer and home, comes a risk management plan which identifies they types of risk, the likelihood of said risk and the measures taken to reduce the risk happening. If you have failed to identify, or fail to mitigate the risks, this could be a breach of your Professional duty which could result in a claim brought against you.
Commercial Motor Insurance
At Morgan Insurance Brokers, we understand the unique challenges NDIS providers face when it comes to protecting their vehicles. Commercial motor insurance for NDIS transport businesses isn’t always straightforward with many mainstream insurers hesitate to cover vehicles used to transport participants due to their specialised modifications and higher exposure to risk. That’s why it’s essential to work with an experienced broker who knows how to navigate this space and secure tailored protection that keeps you compliant and covered. We recently explored this issue in more detail in our latest article: Why Many Insurers Won’t Cover NDIS Passenger Transport Vehicles. If your business provides NDIS transport, talk to us today about comprehensive motor insurance solutions designed specifically for your needs.
How Morgan Insurance Brokers can help your NDIS Business
Morgan Insurance Brokers are specialists with in the NDIS fields. We know the risks that individual support workers face, and also the risks that NDIS businesses can encouter. We aren’t just a comparison website, we are a full service Insurance Brokerage and look at your requirements holistically.
Frequently Asked Questions
Activities that are standardly covered can be
Domestic assistance comprising of changing sheets and towels, cleaning the kitchen, toilet and/or bathroom, cleaning windows, screens and/or fans, dusting, ironing, mopping floors, putting council bins out, removing rubbish, vacuuming, washing, drying and/or folding washing.
Excercise activities such as hiking, non-electric cycling or non-electric scootering provided a helmet is worn; or non-contact sports such as tennis or golf, running, gym training, walking including bush walks, beach walks and hiking.
Home maintenance activities such as car washing, general gardening, rubbish removal, minor repairs, pool maintenance, safety and security, and weeding.
Personal Care activities such as assistance with eating and drinking, assistance with self-medication; dressing, grooming, oral hygiene, showering, toileting, social and lifestyle support such as attending community programs, company at social activities, companionship, fishing from jetties or the shore, home administration, taking to appointments, taking shopping, transport including supporting with use of a mobility scooter.
Depending on your insurer, you may not have any restrictions to the activities that you do with your clients.
However, due to the nature of the below activities, it’s best to dislose these to your insurer to ensure that they are covered.
Water sports such as surfing, swimming, kayaking, canoeing. Horse riding, motorcycle riding, electric bicycles, camping, fishing, etc.
