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A registered NDIS provider.
The NDIS Practice Standards apply to you, and your auditor checks your insurance against them.
NDIS business insurance for registered providersNDIS insurance requirements
NDIS insurance requirements for support workers and providers
NDIS insurance requirements are set in the Practice Standards, the rules an auditor checks registered providers against. They name accident insurance, public liability and professional indemnity. We didn't find an NDIS rule saying unregistered providers must hold insurance, but a participant's agreement or a platform may ask you to.
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We're brokers. Once you know what's asked of you, we compare cover from insurers and arrange it.
Reviewed by Frans du Plessis, founder of Grace Insurance
Diploma in Broking, Fellow CIP · Last reviewed 30 October 2026
Which of these are you?
Who asks you to hold insurance, and what they ask for, depends on whether you're a registered provider, working on an ABN or employed.
Unregistered, working on an ABN.
We found no NDIS insurance rule for unregistered providers. Participants and platforms can still ask for cover in their agreements with you.
A plan manager, the person who pays you from the participant's NDIS plan, may want proof of it.
Independent support worker insurance
Employed by an agency or provider.
Your employer holds the business's insurance and arranges workers compensation, which covers your wages and medical costs if you're hurt at work.
Ask what it covers you for, and whether that includes any private work.
Support worker insuranceWhat the NDIS Commission says about insurance
Two of the Commission's Practice Standards modules, the Core module and the Verification module, include the same quality indicator. A quality indicator is a point an auditor looks for. It reads:
“Appropriate insurance is in place, including professional indemnity, public liability and accident insurance.”
The Commission says the Verification module applies to providers delivering lower risk, lower complexity supports.
What the indicator leaves out
The indicator sets no amount of cover, names no policy and doesn't apply to providers who aren't registered.
No amount.
It doesn't set a minimum dollar figure for any cover.
No named policy.
It doesn't name an insurer or approve any product. “Appropriate” is for your auditor to judge.
No rule for unregistered providers.
The indicator sits in the standards for registered providers, so it doesn't apply if you're not registered.
Your service agreements and contracts can still ask for more than the indicator does. Read them before you buy cover.
Covers to look at
The first three are the covers the indicator names. The rest depend on how you work.
Named in the indicatorPublic liability →
For accidents that injure someone or damage their property while you work.
Named in the indicatorProfessional indemnity →
For claims that your support, advice or notes hurt someone or lost them money.
Named in the indicatorAccident insurance →
The indicator doesn't define it. For your own injuries, look at personal accident or income protection.
Workers compensation
If you employ staff, your state or territory's law sets the rules, not the NDIS.
Commercial motor
This is insurance for a vehicle used for work. If you take participants out in your own car, check with your insurer that work trips are covered.
Cyber insurance
It helps with the costs if participant records you keep online are hacked or leaked.
Who decides the amount of cover
The NDIS doesn't set an amount of cover.
If you're asked for one, it comes from someone you work with:
- a participant, in your service agreement
- a platform, in its terms for workers
- an agency or provider you're contracted to, in your contract
Ask for the amount in an email or the agreement itself. If nobody names one, we'll explain the amounts insurers offer for your work.
Proof of insurance: your certificate of currency
Your insurer issues a certificate of currency, a document that proves your policy is active. Your auditor, a platform or a plan manager may want to see one.
Before you send it, check that it shows:
- the name you trade or are registered under
- each cover you hold and its amount
- the start and end dates
- a description that matches the support you give
The 1 July 2026 registration change
From 1 July 2026, providers of assistance with supported independent living and NDIS digital platform services must be registered NDIS providers. Providers already delivering these supports before 1 July 2026 had to apply by 1 October 2026.
NDIS Provider Registration and Practice Standards Rules 2018, as amended ↗Supported independent living is a package of supports for participants who need a support worker with them, or ready to help, at all times. If you don't provide it or run a digital platform, this change doesn't make you register.
What we'll ask you
Check what insurance you need
Let us know how you work, and we'll match each requirement to a cover, then get quotes from insurers.
We'll ask about:
- whether you're registered, and for which supports
- whether you work on an ABN, employ staff or both
- any cover amounts your agreements or contracts name
- the covers you hold now
- which state or territory you work in
An insurance broker that arranges cover for NDIS support workers and providers, Australia-wide.
NDIS insurance requirement questions
Get a quoteDo registered NDIS providers need insurance?
Yes. The Practice Standards set this quality indicator for them: “Appropriate insurance is in place, including professional indemnity, public liability and accident insurance.” An auditor will look for it, but the indicator doesn't apply to unregistered providers.
Does the NDIS set a minimum amount of cover?
No. The indicator sets no dollar figure. A participant's agreement, a platform or a contract can set its own amount, so check each one.
Do unregistered NDIS providers need insurance?
We found no NDIS rule that requires it. The people who book you can still make it a condition of working with them.
Did the 1 July 2026 change add insurance rules?
From 1 July 2026, providers of assistance with supported independent living and NDIS digital platform services must be registered NDIS providers. The amending Rules don't mention insurance. Once registered, a provider is audited against the Practice Standards, which include the insurance indicator.