NDIS Insurance for Providers

NDIS Insurance for Providers including Professional Indemnity & Public Liability Insurance

NDIS InsuranceNDIS Insurance for Support Workers

NDIS Insurance for Providers including Professional Indemnity & Public Liability Insurance

Why NDIS Insurance matters

NDIS providers and support workers 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
  • Personal and advertising injury
  • Bodily injury
  • Product liability
  • 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.

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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?

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Events that occur outside of your policy dates

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Sexual Abuse (optional cover)

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Injuries to your employees

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Asbestos and Pollution Liability

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Damages caused by your motor vehicles

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Intentional and deliberate acts

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Professional Advice and Recommendations

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Claims where you have assumed Liability

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.

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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.

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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.

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.

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Participants and Providers and the NDIS as at 30 June 2022

534,655 People with disability are being supported by the Scheme
9,029 Providers were active this quarter and also in previous quarters

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.