Who we cover
Tell us what support you give, and a broker will ask insurers to quote for you.
1800 556 777Get a quoteTypes of insurance
Tell us what support you give, and a broker will ask insurers to quote for you.
1800 556 777Get a quoteGuides
Tell us what support you give, and a broker will ask insurers to quote for you.
1800 556 777Get a quoteWho we cover: support workers
The support worker insurance you need for NDIS work depends on how you're paid. You might be an employee, use your ABN (Australian Business Number) with an agency or platform, or find your own clients.
We're insurance brokers. We work out which covers fit the way you work, then arrange them with insurers.
Reviewed by Frans du Plessis, founder of Grace Insurance
Diploma in Broking, Fellow CIP · Last reviewed 30 October 2026
Find the row that matches how you're paid. It tells you who to ask about cover you may already have, and what to arrange in your own name.
You might mix these, such as agency shifts during the week and private clients on weekends. Tell us about each one and we'll look at where your cover stops.
For support work, start with public liability for harm to others, professional indemnity for mistakes in your care, and personal accident for your own injuries.
For registered NDIS providers, the NDIS Practice Standards say:
“Appropriate insurance is in place, including professional indemnity, public liability and accident insurance.”NDIS Practice Standards
Named in the Practice Standards.
Public liability pays for claims if a participant or anyone else is injured, or their property is damaged, because of your work.
For example: while you're cleaning, you knock a participant's tablet off the bench and the screen cracks.
If you drive participants.
Commercial motor insurance covers a car you use for work. Ask your car insurer first whether your policy covers driving participants for work.
For example: another car hits yours while you're taking a participant to a day program.
If you work for yourself, start with those three. Two more depend on whether you drive participants or employ anyone.
To compare what they pay for, see personal accident and income protection, public liability insurance and professional indemnity insurance.
If you work on your own ABN, see the covers we arrange for independent support workers.
Named in the Practice Standards.
Professional indemnity pays for claims that the support or advice you gave caused someone harm or a financial loss.
For example: a family says you didn't record changes in their son's health in your shift notes, and his care suffered.
The Practice Standards name accident insurance. Personal accident cover is one kind of accident insurance.
Personal accident and income protection pay part of your income if an injury or illness stops you working for a while.
For example: you hurt your shoulder helping a participant out of bed and can't take shifts for a month.
If you employ other workers.
Workers compensation pays your employees' wages and medical costs if they're injured at work. Each state sets its own rules.
For example: a worker you employ hurts their back during a shift.
If you're registered:
The Practice Standards include the insurance line quoted above, and your auditor checks it.
If you're not registered:
The insurance line above is written for registered providers. Your service agreements, the agreements you make with participants about your support, may still ask you to hold cover. The platform you work through or a participant's plan manager may ask too, and may ask to see proof.
The amount of cover:
The Practice Standards name no dollar amount. If an agreement or platform asks for a set amount, such as for public liability, tell us when you ask for a quote. We'll ask insurers for cover to that amount.
For the full NDIS wording and what it leaves out, read NDIS insurance requirements.
If you work through a platform, check two things before you rely on its cover:
To see what Mable's insurance page says, go to platform cover for independent support workers.
A certificate of currency is the insurer's document showing your cover is active. Your insurer issues it.
Participants, plan managers and platforms may ask to see one before you start. Keep a copy on your phone so you can send it when you're asked.
Whoever you buy from, check these five things:
As brokers, we do this with you. We ask how you work, tell you what each cover pays for and what it leaves out, and arrange the cover with the insurer. The insurer issues the policy and sets its terms.
What we'll ask for a quote
Tell us how you work and we'll come back with options from insurers.
An insurance broker that arranges cover for NDIS support workers and providers, Australia-wide.
If an agency or provider employs you, ask it what its insurance covers you for, and get the answer in writing. Ask whether it covers work you arrange yourself, such as private clients on weekends. If it doesn't, we can arrange cover in your own name for that work.
Public liability pays for claims that your work injured someone or damaged their property. Professional indemnity pays for claims that the support or advice you gave caused harm or a financial loss. The NDIS Practice Standards, the rules registered NDIS providers are audited against, name both.
It depends on how the policy describes your work. If you also do aged care or private disability support outside the NDIS, tell us, so the policy describes all the work you do.
It depends on the support you give, the covers you choose and the amount of cover. Fill in the quote form and we'll come back with prices from insurers.
Ask your car insurer whether your policy covers driving participants for work. If it doesn't, ask us about commercial motor insurance, which covers a car you use for work.
1800 556 777