1800 556 777Types of insurance
Types of NDIS insurance
Three covers protect support workers and NDIS providers from different risks: public liability, professional indemnity, and personal accident and income protection. Each pays for something the other two don't, so check all three against the work you do.
Reviewed by Frans du Plessis, founder of Grace Insurance
Diploma in Broking, Fellow CIP · Last reviewed 2 November 2026
Public liability, professional indemnity, or personal accident?
Which one you need depends on who is hurt or loses money: someone else, or you.
Public liability
Who it protects
You, if someone says you injured them or broke something of theirs during a shift.
Read about public liability
Professional indemnity
Who it protects
You, if someone says a mistake you made, like a wrong instruction or a wrong report, hurt them or made them lose money.
Read about professional indemnity
Personal accident and income protection
Who it protects
You, with regular payments while you're too hurt or unwell to work.
Read about personal accident and income protectionIf you're a registered NDIS provider, read NDIS insurance requirements for the insurance your auditor will check.
Other covers we arrange
We arrange these covers too:
workers compensation, which pays the wages and treatment bills of staff you employ while they recover from a work injury
cyber insurance, which helps you respond to a hack or data leak involving participant records
business insurance, for your office, its furniture and equipment
commercial motor, for a vehicle you drive participants in or use to get between shifts
Ask about any of them when you request a quote.
Get help choosing your cover
If you can't tell which of these you need, pick Not sure yet on the quote form. The broker who gets in touch will ask about your work and explain the covers that suit it.
An insurance broker that arranges cover for NDIS support workers and providers, Australia-wide.