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Why Do NDIS Support Workers Need Insurance?
Support work comes with real risks. Whether you are self-employed, working independently, or part of an organisation, you are responsible for the safety and wellbeing of the people you support. As an independent disability or aged care support worker, you often make decisions on behalf of participants. If a mistake happens, you could be held legally responsible.
For example, if you accidentally give the wrong amount of medication to a client, this could result in a claim of negligence or professional misconduct. Or if a piece of equipment is left in a way that causes someone to fall and be injured, you could be held liable for compensation and medical costs.
If you have an ABN and work with self-managed or plan-managed participants, having the right insurance is often required before you can be engaged.
Types of Insurance Cover for Disability Support Workers
Professional Indemnity
Protects you against claims for alleged negligence or breach of duty arising from an act, error or omission in the performance of your professional duties.
Public Liability
Covers your legal and defence costs, medical costs and compensation if a third party suffers injury or property damage as a result of your negligence.
Personal Accident (optional)
If you are ill or injured and unable to work, this cover ensures you have an income to cover your running expenses until you recover.
Get a Personal Accident Quote →
How Much Does Support Worker Insurance Cost?
As a general guide: $250–$700+ per year for Public Liability; $300–$950+ per year for Professional Indemnity; $300–$700+ per year for Personal Accident. A basic bundle is approximately $600–$1,200+ per year in total.
NDIS Insurance Requirements for Registered Providers
Registered NDIS providers must hold Public Liability and Professional Indemnity insurance to meet the NDIS Practice Standards set by the NDIS Quality and Safeguards Commission. These are verified during your registration or audit process.
Who Needs NDIS Support Worker Insurance?
NDIS providers (registered or unregistered)
Insurance is needed to manage financial exposure from participant injury, worker actions, and service delivery failures, regardless of registration status.
Registered NDIS providers
Insurance is mandatory under the NDIS Practice Standards and Conditions of Registration, including Public Liability, Professional Indemnity, and Workers Compensation where applicable.
Disability support workers
Insurance protects individual workers against claims of negligence, injury, or property damage arising from direct participant support activities.
Aged care workers
Aged care support work involves the same manual handling, personal care, and duty-of-care risks as NDIS support roles, creating the same exposure to injury and liability claims.
How to Get Insurance as an NDIS Support Worker
Getting insurance is simple and can be done online in minutes. Share basic details about your work, and you'll receive insurance options that match your needs. Get insured with cover starting almost straight away — no lengthy documents or questionnaires.
Ready to get covered?
Have your ABN handy. Takes less than 5 minutes.
Want to speak to an agent?
Call 02 8287 6576 to speak to a BizCover agent and find out what cover is right for your business.
Frequently Asked Questions
Do NDIS support workers need insurance?
Yes. Registered NDIS providers must hold Professional Indemnity and Public Liability insurance to meet the NDIS Practice Standards. Even unregistered providers and sole traders are strongly advised to have insurance.
How much does NDIS support worker insurance cost?
The average cost is around $33 per month. Your premium depends on factors like your services, turnover, claims history, and the level of cover you choose.
What types of insurance do disability support workers need?
Disability support workers typically need Public Liability Insurance, Professional Indemnity Insurance, and optionally Personal Accident and Illness Insurance. Public Liability and Professional Indemnity are mandatory for registered NDIS providers.
Can I work as an NDIS sole trader without insurance?
If you're an unregistered NDIS sole trader, insurance isn't legally required. However, working without cover is risky — if a participant is injured or property is damaged, you may have to pay costs yourself, including legal fees. Many participants and plan managers prefer insured support workers.
What does Public Liability insurance cover for support workers?
Public Liability insurance covers compensation and legal costs if you accidentally injure someone or damage property while doing your work — for example, a client trips over equipment and is injured.
What does Professional Indemnity insurance cover for NDIS providers?
Professional Indemnity insurance covers legal costs and losses if someone claims your professional service was negligent or caused harm.
How do I become a registered NDIS provider with insurance?
You apply through the NDIS Quality and Safeguards Commission. As part of registration or audit, you'll need to show you have Public Liability and Professional Indemnity insurance. After purchase, you'll receive a Certificate of Currency to include in your application.
What level of cover do NDIS support workers need?
The level of cover depends on your work activities, contract requirements, and the risks in your role. Many support workers choose higher Public Liability limits if they work in participant homes or transport participants.
Can aged care workers use the same insurance as NDIS support workers?
Often yes, as long as your policy lists the correct occupation and services so you're covered for the actual work you perform.
How quickly can I get NDIS support worker insurance?
In many cases, you can purchase cover online in minutes and receive your policy documents and Certificate of Currency by email shortly after payment.
Disclaimer: MyCareSpace does not offer insurance advice. There is no one-size-fits-all for insurance and your insurance agent will be able to ensure you have the correct cover.
MyCareSpace is a referral partner of BizCover Pty Ltd (ABN 68 127 707 975; AFSL No 501769). MyCareSpace earns a commission from BizCover when you purchase a policy through their website. Any advice provided is general advice only. Please read the relevant PDS before making a decision. For more information, read BizCover's Financial Services Guide.
MyCareSpace resources may be shared provided they are credited to MyCareSpace with backlinks to the original resource.
MyCareSpace resources may be shared provided they are credited to MyCareSpace with backlinks to the original resource.
