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
Specialist Insurance Solutions for NDIS Providers Across Australia
NDIS providers play a vital role in supporting people with disability — and with that responsibility comes significant risk. At Morgan Insurance Brokers, we specialise in arranging NDIS insurance for providers, ensuring your business is protected, compliant, and financially secure if a claim arises.
We are not a comparison website. We are a full-service insurance brokerage, working with leading Australian insurers to deliver tailored insurance solutions for NDIS businesses, support workers, and care organisations.
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
Standard activities may include:
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Domestic assistance
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Personal care
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Community participation
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Transport and appointments
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Non-contact exercise and recreational activities
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Home maintenance and gardening
Coverage varies by insurer and policy. High-risk activities, professional advice, and motor vehicle use often require specific cover extensions.
Yes. While insurance requirements vary depending on the services you provide, most registered NDIS providers must hold Public Liability Insurance and Professional Indemnity Insurance as a minimum. Additional covers may be required based on risk exposure, such as sexual abuse cover, workers compensation, or commercial motor insurance.
Most NDIS providers are required to hold at least $10 million Public Liability Insurance, however some funding bodies, landlords, or contracts may require higher limits such as $20 million. We confirm the correct limit based on your services and compliance obligations.
Yes. Sole traders and independent NDIS support workers should have their own insurance, even if they work through a platform or subcontract to another provider. Public Liability and Professional Indemnity Insurance are commonly required to protect against claims.
Yes. Most NDIS insurance policies cover in-home support services, including personal care, domestic assistance, and social support. Cover must be structured correctly to include private residences and community locations.
Yes. Volunteers are not automatically covered under standard Public Liability Insurance policies. In most cases, NDIS providers must arrange separate Volunteer Insurance or ensure volunteers are specifically insured under an appropriate policy. Volunteer arrangements must always be disclosed to insurers to avoid gaps in cover and compliance issues.
