Insurances

Insurances – What You Need to Know as an NDIS Provider

Insurance is a critical part of running a safe and compliant NDIS business. It protects you, your clients, your team, and your reputation in case something goes wrong — and it’s one of the things the NDIS Commission checks during registration and audits.

Let’s break it down simply so you can get insured quickly and properly.

Aon the preferred Insurance Broker for Health Provider Assist  –  GET A QUOTE or call Aon on 1800 805 191 Mon – Fri 8:30am – 5:00pm AET

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Required Insurances for NDIS Providers

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Public Liability Insurance

(Minimum Cover: $2 Million)

Public Liability Insurance protects your business if a client, visitor, or member of the public is injured or their property is damaged because of your services.

Even if you’re working out of your home or visiting participants, this insurance is essential.
It also typically includes Product Liability — which is important if you’re providing equipment, tools, or goods that could cause harm.

Why You Need It:

• It’s mandatory for NDIS registration

• It protects you from expensive legal claims

• It gives clients confidence that you’re running a professional service

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Professional Indemnity Insurance

(Minimum Cover: $1 Million)

Professional Indemnity Insurance protects you if someone claims that your advice, service plan, or decision caused them harm or financial loss.

This is especially important if you’re:

• A Support Coordinator

• A Plan Manager

• A Behaviour Support Practitioner

• A Nurse or Allied Health professional

Even if the claim isn’t true, this insurance helps cover your legal fees and compensation costs — and protects your reputation.

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Workers Compensation Insurance

(Only required if you’re hiring staff)

If you are employing workers (not contractors), this insurance is legally required.
It protects your staff if they’re injured or become ill because of work.

It covers:

• Lost wages

• Medical expenses

• Rehabilitation

• Permanent injury or death payouts

You do NOT need this if you’re a sole trader with no employees.

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State-Based Links to Apply for Workers Comp

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Required Evidence for NDIS Audit or Registration

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 Need Insurance? Contact the HPA preferred insurance provider, Aon.

HPA recommend Aon, as the preferred Insurance Broker for Health Provider Assist, Aon can help protect you and your business with insurance designed around the general needs of your industry.

With AON, you can:

• Get Public Liability and Professional Indemnity bundled

• Certificate of Currency’s are available for paid policies

• Get support from experts who understand NDIS businesses

Click here to get a quote from AON Insurance

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Still Confused? Just Ask NADO

Not sure what insurance you need or how to apply?
NADO can:

• Explain each insurance type in simple English

• Help you understand what’s required for your services

• Guide you step-by-step through getting insured

Just Ask NADO NowNeed Insurance? Contact the HPA preferred insurance provider, Aon.