Working as an NDIS provider isn’t your average job, and it’s certainly not your average business, either. Whether you’re a sole trader support worker or running a registered organisation with dozens of employees, your day-to-day involves people relying on you. You’re in your clients’ homes, transporting them to appointments, supporting them through complex care needs, and often, you’re the one they trust the most.

That kind of responsibility comes with risk. Injuries, accidents, professional misconduct claims, or even something as simple as losing a laptop full of sensitive client info; any one of these can leave you exposed. That’s where the right insurance makes all the difference.

And no, it’s not just generic business cover, it’s insurance coverage built specifically for NDIS providers.

What is NDIS Provider Insurance?

NDIS provider insurance is a specialised type of business cover designed to protect those working under the National Disability Insurance Scheme. It accounts for the distinct nature of disability services, whether that’s high-touch personal care, supported transport, or allied health.

It usually includes things like public liability and professional indemnity, but goes a step further by offering options like personal accident insurance, motor vehicle cover for in-vehicle incidents, and even cyber protection if you’re handling participant data online.

It protects you, your staff, your participants, and your ability to keep operating, no matter what unexpected situation arises.

What Does NDIS Provider Insurance Typically Cover?

 

While every policy is different, most NDIS insurance packages include a few common key pillars:

Public Liability Insurance

This covers injury or damage caused to others, for instance if a participant slips on a wet floor during a home visit, or someone accidentally trips over your equipment.  

Management Liability Insurance

For registered NDIS providers with a team, this insurance protects you and your leadership team against claims of misconduct, unfair dismissal, or compliance breaches.

Property and Equipment Insurance

This covers tools of trade such as assistive tech, computers, mobile devices, and more especially against incidents like theft or damage.

Cyber Liability Insurance

If you store or manage participant data (which most NDIS providers do), cyber over protects against breaches, ransomware, or accidental leaks.

Workers’ Compensation Insurance

This is mandatory if you employ staff as it covers injuries your employees sustain while on the job.

Professional Indemnity Insurance

This is especially important for support coordinators, therapists, nurses, and any provider offering advice and/or care services. This insurance covers claims of negligence, poor advice, and even failure of duty of care.  

Group Home and Contents Insurance

Coverage for your group home portfolio which may consist of both custom build premises and suitably modified homes for your clients. Contents cover is also available.

Motor Vehicle Cover

If you’re transporting participants in your car, or a company vehicle, standard car insurance may be inadequate. This policy extension can help. 

Personal Accident Insurance

If you happen to be a sole trader and get injured while working, this can cover your lost income and even incurred medical costs. 

Common Exclusions

Even with a comprehensive policy, there are still usually a couple of things that aren’t covered, or that require add-ons. A few to watch out for include: 

  • Pre-existing injuries or claims 
  • Unlicensed or unqualified staff delivering services 
  • Illegal or unauthorised activities 
  • Damage to property not directly related to services provided 
  • Misconduct claims outside the scope of the policy 
  • General wear and tear/poor maintenance of equipment
  • Transporting participants without appropriate insurance in place

This is where working with your CIG Insurance broker helps. We flag the fine print and let you know exactly where the gaps are, helping you select the most appropriate coverage for your business.

Do All NDIS Providers Require Insurance?

Yes, in one way or another. 

Even if you’re not directly registered under the NDIS, you’re still running a business, making you liable for the services you provide. And if you are registered? Certain insurance types require audit compliance, especially public liability and professional indemnity. 

But more than just being a requirement, insurance acts as a safety net.The disability support sector is both high-trust and high-risk. You’re working with people who are vulnerable. One honest mistake can escalate into a legal problem if you’re not properly covered. 

Whether you’re providing personal care, therapy/allied health services, support coordination, community access, transport, SDA/SIL accommodation support, plan management, and more–you need cover that’s built around how your business exactly operates.

How CIG Insurance Helps NDIS Providers

At CIG Insurance, we’ve worked with providers right across the care sector, from small, solo operators to large-scale NDIS organisations. We understand the risks you face. We also understand the compliance landscape and what’s required under NDIS audit and registration.

As part of the Steadfast Network, Australasia’s largest general insurance broker group, we have access to exclusive provider-friendly policies you won’t find on the comparison sites.

Need insurance that actually fits how you operate? Chat to one of our brokers today. We’ll walk you through your options, explain what’s worth having (and what isn’t), and make sure you’re covered for the work you’re doing, and most importantly,  the people you’re caring for.

Curious about Insurance for NDIS Providers?

Speak To One Of Our Brokers Today