NDIS Disability Care Workers Insurance | MyCareSpace

NDIS Disability Support Workers Insurance

Insurance for disability care workers

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NDIS and Insurance

With the introduction of the NDIS, more people living with a disability are now receiving the funding they need. Luckily, they can engage support workers to support them in their day to day life, help them attend social and community events and work together to achieve their life goals.

These support workers need to be aware of the risks and have taken steps to mitigate and manage the impact of the risks they face.

Whether a support worker is self-employed and working alone or part of a care organisation, they need to be protected against the risks they face each time they go to work.

Why do NDIS disability support workers need insurance?

As a disability support worker or care worker, you take on a great deal of responsibility. You are often making decisions for and acting on behalf of the people you are caring for. Because of this, if something were to go wrong, you could be held liable.

Consider this: you are having a hectic day with a huge amount of pressure and responsibility - perhaps there is usually a family member to help you, but today they are absent. By mistake, you give the wrong amount of medication to the person you are caring for. As a result, they need emergency medical care. This could result in a claim of negligence, malpractice or even professional misconduct. Professional Indemnity insurance can protect you against claims of professional misconduct.

Because you’re always in close contact with your clients, their families and members of the public, you are also exposed to the possibility of injuring someone or causing damage to their property.

Consider this: You place a wheelchair or crutches in such a way that someone falls over them and is injured. You could be held liable for the cost of compensation and any medical treatment they may require.

Public Liability insurance will protect you against such claims by covering your legal and defence costs, court attendance costs, medical costs of the person who was injured and compensation awarded to them.

To help disability carers cover the risks they face while doing this important work, MyCareSpace is partnering with BizCover, a small business insurance specialist, that understands the industry and their needs.

How can MyCareSpace help you?

MyCareSpace has spent time investigating insurance options and how disability care workers can protect themselves easily and quickly.

We have chosen to partner with BizCover, who have tailored and affordable insurance solutions to protect individual care workers in the event of a claim.  

These solutions are accessible instantly online and over the phone. No more lengthy documents and questionnaires, it’s a paperless experience.

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What kind of insurance is available for NDIS disability support workers?

 1. Professional Indemnity

Covers you against legal claims for actions arising from the performance of your duties. E.g. giving advice (counselling), respite/health care, education and advice on the installation of home modifications and maintenance.

Did you know?

Under the NDIS Terms of Business for Registered Providers, participants are required to maintain an adequate level of insurance including Public Liability insurance and Professional Indemnity insurance.

 2. Public Liability

If third parties suffer an injury or property damage as a result of your negligence, Biz Cover help ensure that you are protected in the event of a claim.

3. Personal Accident

Covers you for accidental injury or death whilst performing your duties.

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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 business insurance policy through their website. BizCover provides dealing services, factual information and general financial product advice only in relation to business insurance on this and the following business insurance comparison pages. BizCover and acts as agent of the insurers in respect of the insurance products offered on the website and not as your agent. BizCover does not compare all business insurers or products in the market. Any advice provided on this and the following business insurance comparison pages is general advice only and does not take into account your objectives, financial situation or needs. Before acting on the advice, you should consider its appropriateness having regard to your objectives, financial situation and needs. Please read the relevant PDS or policy wording before you make a decision about whether to purchase a product. For more information about the above services and how BizCover and MyCareSpace are remunerated, please read BizCover’s Financial Services Guide.