Who we cover
Tell us what support you give, and a broker will ask insurers to quote for you.
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Tell us what support you give, and a broker will ask insurers to quote for you.
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Tell us what support you give, and a broker will ask insurers to quote for you.
1800 556 777Get a quoteWho we cover: registered NDIS providers
NDIS business insurance for registered providers needs to fit the business, the people who work for you and the support you deliver. Your auditor will check it against the Practice Standards.
As brokers, we ask insurers to quote for a business with staff, then arrange the policies you choose.
Reviewed by Frans du Plessis, founder of Grace Insurance
Diploma in Broking, Fellow CIP · Last reviewed 30 October 2026
Your business is a provider with staff if it's registered and it does one or both of these:
If you're registered and work alone on an ABN (Australian Business Number), we can arrange your cover too. For cover in your own name, see independent support worker insurance.
Three things decide what insurance your business needs: the NDIS Practice Standards, your state's workers compensation law, and your contracts.
The Practice Standards are the rules your auditor checks your business against. The point on insurance, called a quality indicator, reads:
“Appropriate insurance is in place, including professional indemnity, public liability and accident insurance.”NDIS Practice Standards
If you employ staff, the state or territory you employ them in sets the workers compensation rules, not the NDIS.
Service agreements, the written agreements you make with participants, and contracts with other organisations can ask for set covers or amounts. Read each one and note what it asks for.
Named in the indicatorPays for claims that your business injured someone or damaged their property while delivering support. It's one of the three covers in the Practice Standards indicator.
Named in the indicatorPays for claims that your advice, care planning or support caused a participant harm or a loss. It's also named in the indicator.
Named in the indicatorThe indicator names accident insurance but doesn't say which kind. For yourself as the owner or a director, ask us about personal accident and income protection. That cover pays you part of your income while an injury or illness keeps you off work.
Pays an injured employee's wages and medical costs. Tell us which states your staff work in when you ask for a quote.
If a fire, flood or break-in damages your office or equipment, business insurance can pay for repairs. It can also pay for income you lose while you can't open. Tell us what you own and where you work from.
Helps after a data breach or cyber attack, such as a hacked email account that exposes participant records. Providers hold health and personal details, so ask us about it if your records are stored online.
The indicator names no amount of cover and approves no policy. See what the indicator leaves out.
Employees, contractors and volunteers are covered in different ways, so tell us which ones you have.
Your auditor checks that appropriate insurance is in place. Keep a current certificate of currency for each policy. If the support you deliver changes, tell us so we can update the policy.
Before your audit, we can go through each policy with you and check it describes the support your business delivers.
What we'll need to quote your business
Send us your details and we'll get quotes from insurers for each cover your business needs.
An insurance broker that arranges cover for NDIS support workers and providers, Australia-wide.
The Practice Standards indicator names professional indemnity, public liability and accident insurance, and asks that your insurance is appropriate for your business. If you employ staff, your state's workers compensation law applies as well. Your contracts may ask for more.
Workers compensation comes from state and territory law, not from the NDIS. If you employ staff, check the rules in each state you employ them in, then ask us about your cover.
It depends on your contract with them. You can ask contractors to hold their own public liability and professional indemnity, and to send a certificate of currency before they start.
The Practice Standards indicator doesn't name it, but a contract might. Tell us how you store participant records, and we'll explain what cyber insurance would pay for.
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