Insurance for NDIS providers: what the Practice Standards expect

The NDIS Practice Standards don't name insurers or set cover amounts, but they do say what insurance should be in place. Some insurance is also a legal requirement for any business with employees.

What the Practice Standards expect

In both the Core module and the Verification module, a risk management quality indicator says:

Appropriate insurance is in place, including professional indemnity, public liability and accident insurance.

Auditors check this, so have your current certificates of currency ready. See the audit checklist.

• Professional indemnity insurance covers the cost of legal action from claims about your professional advice or services. It's mandatory for some professions.
• Public liability insurance covers you if someone dies, is injured or has their property damaged because of your negligence.
• Accident insurance is named in the indicator; check with an insurer which products meet it for your services.

Workers compensation

Employers must get workers compensation insurance from an authorised insurer. It covers you and your employees if they're injured or become sick because of work. The rules differ in each state and territory, so check with your state or territory regulator. If you engage contractors, check with the regulator too.

If you're a sole trader

Workers compensation doesn't cover sole traders. business.gov.au suggests getting your own personal death, illness and disability insurance. See the sole trader guide.

What it costs

There's no official price. One registration consultancy publishes an estimate of $1,200 to $3,500 a year for most small to medium providers, higher for clinical services, SIL or higher-risk supports. Treat it as a rough guide and get quotes. Our cost estimator includes this range alongside audit and screening costs.

Get quotes

Get NDIS insurance quotes from insurers who work with NDIS providers.