NDIS Disability Support Workers Insurance | MyCareSpace

Disability Support Workers Insurance

Insurance for disability care workers


You will need:
1. Your ABN
2. An estimate of your Yearly Income (How do I calculate this?)

Insurance for Disability Support Workers

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 their job presents and must take steps to reduce and manage these risks.

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

What insurance does a disability support worker need?

At the very minimum, a disability support worker should have Public Liability and Professional Indemnity insurance. Additional insurance like Personal Accident Insurance or Motor Insurance is optional.

 1. 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 duties.

 2. Public Liability

Even the most careful support workers run the risk of injuring someone or damaging something whilst performing their duties.  

When you are at work or out and about and a third party suffers an injury or property damage as a result of your negligence, your insurance cover protects you in the event of a claim.

3. Personal Accident (optional)

Personal accident cover or otherwise known as 'income protection' cover is especially relevant if you have no other form of income and are running your own small business. If you are ill or injured, personal accident cover will ensure you have an income to cover your running expenses until you are well again.  This is optional and you can ask your insurance agent more about this.



Why do NDIS disability support workers need insurance?

As an independent 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.

At the very minimum, a disability support worker should have Public Liability and Professional Indemnity insurance.

Additional cover like Personal Accident Insurance or Motor Insurance is optional.

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.

Finally, if you have an ABN and are engaged by a participant that is Self Managed or Plan Managed, it is very likely that your engagement will depend on you having these necessary insurances.

Is this insurance only for NDIS support workers?

No, whether you work with NDIS participants or not, if you are a support worker you need to protect yourself against the risks you face and this insurance option will do just that.

How can MyCareSpace help you?

MyCareSpace has partnered with BizCover to bring you Disability Support Worker insurance cover tailor-made for disability support workers and at an affordable price.

We are able to offer this insurance solution to support workers instantly and it is accessible online or over the phone

No more lengthy documents and questionnaires, it’s a paperless experience.


You will need:
1. Your ABN
2. An estimate of your Yearly Income (How do I calculate this?)

Want to speak to an agent?

Call 02 8287 65 76 to speak to a Biz Cover agent to find out what cover is right for your business.


Please note that MyCareSpace does not offer insurance advice.  There is no one size fits all for insurance and your insurance agent will be able to ensure that 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 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.