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Insurance for Aged Care Providers

by Bianca S. | NDIS Expert
Last Updated: September 2026
An elderly woman being server a meal by her support worker
NDIS

What insurance do aged care provider companies need?

Whether you provide in-home aged care, short term respite, or long term residential care, your company faces real risks every day. A company providing aged care services should hold the following insurance cover as a minimum:

Professional Indemnity

Protects your company against claims for alleged negligence or breach of duty arising from an act, error or omission in the performance of one of your staff whilst performing their duties.

Public Liability

If a third party suffers an injury or property damage as a result of the negligence of your staff, your insurance cover protects you in the event of a claim.

Accident Cover

This may be Personal Accident cover or the state-based workers compensation program in your area (e.g. Workers Comp in NSW, WorkSafe in VIC).

Management Liability

Protects the company and its directors against the risks and exposures associated with running the business — including mismanagement, misconduct, legislative breaches, and employee fraud.

Get an instant quote — select your type of aged care business

Choose the option that best describes your organisation:

In-Home Care

Provision of aged care support workers to the elderly in their own home — helping with washing, dressing, medication management, and attending day centres.

Get a Quote →

Short Term Residential Care

Organisations offering respite care or short term accommodation where elderly clients stay for up to 3 months receiving support services.

Get a Quote →

Long Term Residential Care

Aged care companies offering accommodation to elderly clients who stay longer than 3 months — including nursing homes and residential aged care facilities.

Get a Quote →

Or call 02 8287 6576 to speak to a BizCover agent who can help you find the right cover for your business.


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.

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