Compare business insurance quotes with Savvy to help protect you as a disability care worker.
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As a disability support worker or NDIS care provider, you’re so busy looking after other people that it’s easy to overlook your own financial needs. However, having the right business insurance is vital for anyone in the caring professions to make sure you are covered for a range of events just in case something does go wrong.
You can compare quotes for many types of business insurance here with Savvy. Just answer a few simple questions about the work you do and the insurance you need and you’ll have multiple quotes from a range of respected insurers to compare instantly. Use our quick and easy comparison service to help you get the best value insurance for a disability support worker.
There are several types of business insurance you need if you are a disability support worker or NDIS care provider. These include:
Professional indemnity insurance
Professional indemnity insurance can cover you against claims the service you provided was negligent or caused harm. This type of insurance can offer you protection against many types of claims, including:
Proof of professional indemnity insurance can be necessary to tender for some government care contracts and may sometimes be provided as part of union membership. Cover starts at $250,000 and can go up to $10 million or more. Note that this insurance does not provide cover for work carried out that requires a medical qualification to perform.
What it covers:
Public liability insurance
Public liability insurance is also essential for anyone who has regular contact with members of the public. It can cover you against claims that your actions caused injury to a member of the public or damaged their property. This insurance can offer between $5 million and $20 million worth of coverage.
What it covers:
Cyber liability insurance
If you’re a disability support worker or NDIS care provider (or work in another allied health field, such as physiotherapy) you may be required to store confidential patient information. Cyber liability insurance can cover you just in case your laptop containing this information is stolen or hacked. It can offer protection from a wide variety of cybercrimes and help you recover your data if you are subject to a hacking attempt or theft of client data.
What it covers:
What isn’t covered under business insurance for disability workers?
The most common exclusions for the above types of insurance include:
Business insurance also does not cover your vehicle if you use your car for work, so you may need separate car insurance for business purposes.
There is no set cost for an insurance policy, as each applicant is different and faces unique risks. Many factors influence the cost of business insurance, including the following:
The main factor which will affect the cost of your insurance is the industry you’re in. All businesses in Australia are classified according to the risk their industry poses, and are allocated a risk ratio. These ratios are used by insurers to calculate the comparative risk of any one business compared to another.
However, the cost of insurance also varies depending on where you live. For example, a support worker buying public liability insurance in Western Australia may not receive the same quote as a disability worker in Queensland, which could be due in part to the nature of the business and the different environmental factors posed in the latter location.
There are many more variables which will affect the cost of your public liability insurance, so the best way to find out how much your insurance will cost is to get a free, no-obligation quote through Savvy. Whether you’re employed under an NDIS scheme or as a private disability support worker, you’ll be able to consider a range of policies from top insurers through Savvy.
You’ve worked hard to get where you are, and you may have spent a lot of time setting up your own business too, so it makes sense to want protection in case things go wrong. Because we’re all human, mistakes can happen, so you want to know you’re protected just in case you are the subject of a liability claim.
Business liability insurance offers protection in case certain unforeseen covered events catch you off guard. It can give you peace of mind knowing you are protected from a wide range of incidents and occurrences which are included in your policy. If you have adequate insurance, you’ll stand a much better chance of defending yourself and getting back on your feet quickly if an issue does arise.
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Disclaimer:
Savvy is partnered with BizCover Pty Ltd (ABN 68 127 707 975, AFSL 501769) to provide readers with a variety of business insurance policies to compare. Savvy earns a commission from BizCover each time a customer buys a business insurance policy via our website. We don’t arrange for products to be purchased from these brands directly, as all purchases are conducted via BizCover.
Savvy does not compare all business insurance policies or providers currently operating in the market. Any advice presented above or on other pages is general in nature and doesn’t consider your personal or business objectives, needs or finances. It’s always important to consider whether advice is suitable for you before purchasing an insurance policy.
For any further information on the variety of insurers compared by BizCover or how their business works, you can read their Financial Services Guide.
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© Copyright 2024 Quantum Savvy Pty Ltd T/as Savvy. All Rights Reserved.
Quantum Savvy Pty Ltd (ABN 78 660 493 194) trades as Savvy and operates as an Authorised Credit Representative 541339 of Australian Credit Licence 414426 (AFAS Group Pty Ltd, ABN 12 134 138 686). We are one of Australia’s leading financial comparison sites and have been helping Australians make savvy decisions when it comes to their money for over a decade.
We’re partnered with lenders, insurers and other financial institutions who compensate us for business initiated through our website. We earn a commission each time a customer chooses or buys a product advertised on our site, which you can find out more about here, as well as in our credit guide for asset finance. It’s also crucial to read the terms and conditions, Product Disclosure Statement (PDS) or credit guide of our partners before signing up for your chosen product. However, the compensation we receive doesn’t impact the content written and published on our website, as our writing team exercises full editorial independence.
For more information about us and how we conduct our business, you can read our privacy policy and terms of use.
