This page covers insurance for companies that offer disability support services, whether they are NDIS registered or not.
NDIS Audit Requirements
According to the NDIS Quality and Safeguards Commission, all registered NDIS providers that offer disability care services must hold Professional Indemnity Insurance, Public Liability Insurance, and Personal Accident Insurance.
Types of Insurance for Disability Care Companies
There are three types of insurance cover depending on the services your organisation provides. Select the option that applies to your business:
1. In-Home Supports Only
For providers of disability support workers to NDIS participants in their own home — helping with washing, dressing, medication, and daily activities.
2. Support + Short Term Accommodation (STA/Respite)
For organisations that offer respite care or short term accommodation where clients stay for up to 3 months receiving support services.
3. Support + Long Term Residential Care (SIL)
For disability care companies that offer accommodation to participants who stay longer than 3 months (Supported Independent Living).
Or call 02 8287 6576 to speak to a BizCover agent.
What if I am not an NDIS Registered provider?
You still face the same risks. At a minimum, you need Professional Indemnity Insurance, Public Liability Insurance, and Workers Compensation (if applicable in your state). If you don't qualify for Workers' Compensation, consider Personal Accident Insurance to cover your income if you are unable to work.
What does Disability Insurance cover?
1. Public Liability Insurance (required by NDIS)
Protects your business if a customer, supplier or member of the public is injured or sustains property damage as a result of your negligent business activities.
2. Professional Indemnity Insurance (required by NDIS)
Protects professionals against liability for damages and legal costs arising from an act, omission, or breach of duty in the course of your work.
3. Personal Accident Insurance (required by NDIS)
If an accident or serious illness forces you to stop working, Personal Accident Insurance ensures you can still pay your ongoing business expenses and overheads while you recover.
4. Management Liability Insurance
Protects the company and its directors against the risks of managing the business — including misconduct, legislative breaches, fines, unfair dismissal, and employee fraud.
5. Building and Contents Insurance
Covers the cost of repairing or rebuilding your premises and replacing business contents following fire, storm, malicious damage or other defined events.
6. Cyber Risk Insurance
If you store sensitive participant information on your systems, Cyber Liability Insurance protects your business in the event of a cyber attack — covering legal costs, data recovery, and reputational damage management.
Need 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.
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