Most providers need professional indemnity and public liability as the foundation, with covers like medical malpractice, motor, cyber and management liability added depending on the supports you deliver, how you deliver them, and whether you’re registered. The right combination depends on your registration groups and your actual day-to-day work — which is exactly what we work through with you before recommending anything.

In practice, yes. Even where registration rules don’t apply, plan managers, support coordinators and participants themselves commonly require evidence of professional indemnity and public liability before engaging you — and the risks of the work exist regardless of registration status. Sole-trader cover is generally straightforward and affordable to arrange.

Only if your motor policy is set up for it. Transporting participants is business use, and a standard private-use car policy may not respond. If driving participants is part of your service, tell us — we’ll make sure the vehicle cover matches the use, and look at how your liability covers interact with it.

Policies for care providers treat allegations of abuse differently — some include defence costs and liability cover, others exclude it entirely. Given the safeguarding focus of the NDIS, it’s an area where policy wording matters enormously. We review it explicitly on every care-sector placement so you know exactly where you stand.

Yes — quickly. Audits, service agreements, SIL property owners and plan managers all ask for them, usually at short notice. Once your cover is placed through us, certificates are something we handle as a matter of course.

This is one of the most common calls we get from providers. Care-sector premiums have moved a lot in recent years, but that doesn’t mean your current price or cover is the best available. We’ll review what you hold, compare the market, and give you a straight answer — even if that answer is that your current policy stacks up.