Disability Support Worker Insurance

Get a Quote

"*" indicates required fields

Business Insurance for NDIS & Disability Support Workers*

Disability support workers need business insurance, including public liability and professional indemnity insurance, as disability support workers work with members of the public that are heavily reliant on your assistance.

Public liability insurance may protect disability support workers against damages from claims if patients hurt themselves in your care. For example, if a person in your care trips over a wheelchair or crutches and sustains injuries, you could be held liable.

Self-employed support workers can hurt themselves while providing care to others, which may result in extended time off work without income.

Disability support workers also face risks in relation to the professional services they provide that may result in claims of malpractice, or negligence or in being reported to AHPRA.

Fortunately, suitable business insurance for disability support workers may provide protection against the negative financial impacts that could arise from accidents, property damage, or legal claims caused by your disability support worker business activities.

Many Business Owners are UNSURE if they are COVERED PROPERLY.
We help them find affordable and SUITABLE INSURANCE so they can run their business with CONFIDENCE.*

What Insurance Do I Need as a Disability Support Worker?*

Some of the major types of business insurance covers we may provide to disability support workers in Australia are explained below and include:

  • Public Liability Insurance
  • Professional Indemnity Insurance
  • Personal Accident Insurance
  • Commercial Motor Insurance

Public Liability Insurance for Disability Support Workers *

Public Liability Insurance coverage is essential for all disability support operations.

People may be hurt due to accidents involving your respite or care activities.

Protections for disability support workers through public liability insurance in Australia generally include:

  1. Injury to other persons due to your support worker activities – For example, a client is injured when you are assisting them with support and respite services, on a walk, spectating an event,  travelling on public transport
  2. Damage to others property due to your support worker activities.

Public liability insurance coverage may protect disability support workers from claims that arise when others allege they are negligent.

A disability support worker’s public liability policy may provide a defence against the ensuing lawsuit when needed and may pay the damages sought by the injured party.

Public Liability Insurance may provide disability support workers with protection while providing respite services including slip-and-trip accident.

Professional Indemnity Insurance for Disability Support Workers *

Professional indemnity insurance is an important cover for disability support workers.

Professional Indemnity Insurance may help disability support workers stay in business by paying for legal defence costs, public relation expenses, privacy brief costs and financial losses if awarded against them.

Professional Indemnity Insurance for support workers may cover the following:*

If legal action be taken against you for defamation, libel, or slander related to your professional activities:

  • If legal proceedings are initiated against you following a Good Samaritan Act.
  • If you are reported to the Australian Health Practitioner Regulation Agency (AHPRA).
  • If you face legal action due to malpractice or negligence.
  • In case you are legally challenged for infringing on intellectual property rights.
  • If you are summoned to testify before the Coroner.

A Self-employed Disability Care worker engaged in professional activities within a workplace should protect themselves against claims associated with the services or care they provide, including injuries or property damage.

This is crucial as their work can involve interactions with individuals in their homes and in community settings.

Suitable commercial insurance is a legal requirement for self-employed National Disability Insurance Scheme (NDIS) contractors.

Claims can run into the hundreds of thousands or even millions of dollars, therefore it is important that an adequate level of cover is chosen to protect against major financial loss, which will not only have an impact on your business but could also affect your personal assets.

Personal Accident Insurance for self-employed carpenters*

As a self-employed support worker your personal safety is your livelihood.

Personal accident insurance for support workers may provide cover for 52 or 104 weeks and up to 85%* of weekly income at the time of the injury; depending on the amount of coverage agreed when the policy is taken out.

Time away from work from an accident will have a direct impact on a self-employed support worker’s income, and a long period away can negatively affect their savings, family, and lifestyle.

Personal Accident Insurance may help self-employed support workers pay for essential bills and other financial commitments if they have an accident.

Commercial motor insurance for disability support workers *

Commercial motor insurance should be considered for disability support workers that visit their clients in their home or workplace.

Want your QUESTIONS on Business Insurance ANSWERED?
Get in touch. *

Get a Quote

"*" indicates required fields

What are the costs of Disability Support Worker Insurance?*

How much does business insurance for disability support workers cost?*

Key factors in determining how much business insurance will cost a disability support worker’s business include:

  • Where your business premises are located
  • The value of the property insured
  • The level of security and fire protection
  • Age of premises and equipment
  • The size and turnover of your disability support worker
  • Number of staff
  • The optional covers selected
  • Your claims history
  • The level of cover selected (for example, $5 million, $10 million or $20 million liability).

Our helpful business insurance brokers may be able to help you find suitable and affordable business insurance for your disability support worker business on 1300 542 573 

What type of disability support workers may be covered with business insurance?*

  • Disability support workers
  • Home respite care workers
  • Carers
  • Disabilities assistance providers 

Why should disability support workers use an insurance broker in Australia?*

If you are a disability support worker deciding on whether to use an insurance broker for your business insurance, it is important to consider that brokers act in the interests of the disability support worker owner.

Direct insurers and agents act for the insurer. This can be important; especially if you need to claim.

Brokers can help disability support workers by sourcing competitive quotes on policy inception, negotiate with the insurance companies to prevent or limit increases on renewal, remarket your policy to other suitable insurance companies where appropriate, talk to underwriters about policy wordings, industry classifications and terms, talk to insurance assessors during the claims process and repairers where necessary.

How do I get a disability support workers insurance quote?*

Simply TALK to a SMART Business Insurance broker on 1300 542 573 or contact us online for suitable and affordable business insurance quotes for your disability support worker activities.