NDIS INSURANCE

Insurance Advice Built for the Disability Support Sector

NDIS service providers come in many forms—from allied health professionals and carers to plan managers and residential support workers. Our expert team understands the risks unique to disability support and delivers tailored advice to help you:

• Stay compliant with NDIS registration requirements
• Avoid gaps in cover that could expose you to legal or financial risk
• Minimise administrative stress through proactive policy management
• Secure competitive premiums through broker-negotiated solutions

We take the time to understand your specific services, workforce, and client interaction—whether you’re supporting participants in-home, in community settings, or via online platforms. At Delmont Insurance, you’re not just getting a policy—you’re gaining a partner in protection.

Protecting NDIS Providers with the Right Insurance Cover

As an NDIS provider, you’re operating in a highly regulated environment. Having the right insurance is not only a condition of your registration with the NDIS Quality and Safeguards Commission—it’s essential to managing risk and protecting your business. We help Support Workers, Support Coordinators, and disability services providers access critical covers such as:

General Public and Product Liability

Public Liability Insurance is essential for all NDIS providers who interact with participants, families, or the broader community. It protects your organisation against claims of injury or property damage arising from your services or activities. Whether you’re offering in-home care, community access, or transport, this cover ensures you’re financially protected if something goes wrong. For those supplying aids or assistive technology, Product Liability can also respond to claims relating to defective items or harm caused through use.

Sexual Abuse (Molestation) Insurance

NDIS providers have a duty of care to protect vulnerable participants. Sexual Abuse Insurance, also referred to as Molestation Cover, provides critical protection in the event of allegations of abuse, misconduct, or inappropriate behaviour by staff or volunteers. While these claims are rare, the consequences are serious. This cover not only supports legal defence but can also assist in meeting settlement costs—essential for providers working with children or participants with high support needs.

Workers’ Compensation

If your business employs staff, Workers’ Compensation is mandatory under WA law. It covers medical expenses, lost wages, and rehabilitation if an employee is injured while providing disability support. For NDIS providers, where carers often work in physically and emotionally demanding roles, this insurance is vital. It ensures your workers are looked after and your business remains compliant with workplace safety obligations.

Professional Indemnity

Professional Indemnity Insurance protects you against claims of negligence, errors, or omissions in your advice or service delivery. This is particularly relevant for Support Coordinators, plan managers, and allied health professionals under the NDIS. Whether you’re accused of making the wrong referral or mismanaging a participant’s plan, this cover helps with legal costs, settlements, and reputational protection.

Management Liability

NDIS providers are subject to increasing scrutiny by regulators, families, and participants. Management Liability Insurance protects business owners and directors from claims relating to mismanagement, unfair dismissal, WHS breaches, tax audits, and more. If you manage staff, hold participant records, or oversee funding, this policy safeguards your personal and business assets from legal claims and penalties.

Property Insurance – Commercial Premises

If you operate from an office, therapy space, or shared facility, Property Insurance covers damage to buildings, contents, and fit-outs from fire, storm, theft, or vandalism. For NDIS providers, this includes cover for treatment rooms, mobility equipment, IT infrastructure, and specialised care facilities. You can also extend cover for glass, signage, and equipment breakdown.

Breakdown of Mechanical and Electrical Equipment

Many NDIS providers rely on critical tools and equipment—such as hoists, medical fridges, communication aids, and specialised vehicles. Equipment Breakdown Insurance covers the repair or replacement costs of mechanical or electrical systems if they fail unexpectedly. This ensures you can continue delivering services without costly downtime or disruption.

Business Interruption

If your operations are interrupted due to an insured event (like fire, storm, or property damage), Business Interruption Insurance helps cover lost income and ongoing expenses. For NDIS providers, this means you can still pay staff, rent, and other fixed costs while you recover. It’s especially important for organisations reliant on ongoing service delivery for funding or compliance.

Volunteers Personal Accident

Many NDIS organisations rely on volunteers for transport, support work, or administration. Volunteers Personal Accident Insurance provides compensation if a volunteer is injured while helping your organisation. It demonstrates your duty of care and strengthens your compliance posture with the NDIS Commission.

Cyber Insurance

Handling sensitive participant data and medical records is a core part of NDIS service delivery. Cyber Insurance protects against data breaches, ransomware, and cyber attacks, covering response costs, legal liabilities, and business recovery. As the NDIS increasingly requires digital systems for care management and reporting, this cover is vital for protecting participant confidentiality and business continuity.

Commercial Motor Insurance

If your NDIS business uses vehicles to transport participants, staff, or equipment, Commercial Motor Insurance is essential. It covers accidental damage, theft, third-party liability, and property damage arising from business-related vehicle use. Whether you operate a fleet of accessible vans or just one car for community visits, this insurance helps ensure your mobility services remain uninterrupted. Policies can be tailored for support workers using their own vehicles, company-owned cars, or hire arrangements, keeping you compliant with NDIS transport safety standards and protecting against unexpected costs on the road.