- 13/979 Albany Hwy, East Victoria Park WA 6101
Disability support is one of the few sectors where insurance requirements are written into the way you are allowed to operate. Registration standards, service agreements and government contracts all specify cover, and the wordings that satisfy them are not always the ones a standard business pack produces.
We arrange insurance for NDIS registered and unregistered providers, sole trader support workers, plan managers, support coordinators and allied health practitioners working under the scheme, across Perth and Western Australia.
A café, a labour hire firm and an engineering consultancy carry different
exposures and need different wordings. We work from what you actually do,
including what your contracts and your industry regulator require you to
hold.
We lodge the claim, present it with the evidence the insurer needs, and
follow it through. If we think a decision is wrong we put the argument, and
escalate to internal dispute resolution or AFCA where that is warranted.
Property, liability, people, motor, cyber and management liability under
one programme, with one broker who can see where the policies overlap and
where they leave gaps.
The cover a business needs depends on what it does, what it owns, who it employs and what its contracts oblige it to hold. Most programmes are built from two halves: cover for physical assets, and cover for the income those assets produce. The second is the one businesses most often get wrong.
These are the policies we most commonly arrange. Not every business needs all of them, and several can be taken as standalone cover where the exposure warrants it.
The cover a business needs depends on what it does, what it owns, who it employs and what its contracts oblige it to hold. Most programmes are built from two halves: cover for physical assets, and cover for the income those assets produce. The second is the one businesses most often get wrong.
These are the policies we most commonly arrange. Not every business needs all of them, and several can be taken as standalone cover where the exposure warrants it.
Engaging support workers as contractors without checking whether they are deemed workers for WA workers compensation purposes. It shows up at premium audit, and it shows up at claim time.
Using a private vehicle to transport participants without confirming the motor policy permits it. Most personal motor policies do not contemplate paid passenger transport.
Expanding into new registration groups without updating the professional indemnity wording to match what you are now delivering.
Signing agreements with indemnity clauses that shift liability in ways your insurance will not follow. Send those to us before you sign.
Claims arising from the professional services you deliver, including allegations of negligent advice, inadequate support planning or a failure in the standard of care. Frequently required by service agreements and by the registration standards that apply to your registration groups.
Third party injury and property damage arising from your operations, whether you deliver support in a participant’s home, in the community, or from your own premises. Service agreements commonly specify a minimum limit.
Bought separately or as an extension, because most standard liability wordings exclude it. Worth confirming the limit, whether it is claims made, and whether defence costs sit inside or outside the limit.
Compulsory in WA for any provider with employees, administered under the Workers Compensation and Injury Management Act. Unincorporated subcontractors can be deemed workers, which means they fall under your policy whether or not you expected it.
Employment practices claims, statutory fines and penalties where insurable, regulator investigations, and directors and officers liability.
Providers hold substantial volumes of sensitive personal and health information about participants. A breach triggers obligations under the Notifiable Data Breaches scheme and carries significant response costs.
Premises, contents, portable equipment, and vehicles used to transport participants.
Compulsory in WA for any provider with employees, administered under the Workers Compensation and Injury Management Act. Unincorporated subcontractors can be deemed workers, which means they fall under your policy whether or not you expected it.
Employment practices claims, statutory fines and penalties where insurable, regulator investigations, and directors and officers liability.
Providers hold substantial volumes of sensitive personal and health information about participants. A breach triggers obligations under the Notifiable Data Breaches scheme and carries significant response costs.
Premises, contents, portable equipment, and vehicles used to transport participants.
We start with your registration groups, your service agreements and the way you actually deliver support, then approach insurers and underwriting agencies that understand the sector. Some of the better wordings for disability support sit with specialist agencies that do not deal with the public.
You get a comparison of the options, an explanation of where the wordings differ on the things that matter for your sector, and certificates of currency in the format your funders and service agreements require.
It depends on your registration groups and the audit standard that applies to them. In practice most registered providers carry professional indemnity, public and products liability, and workers compensation if they employ anyone. Your service agreements may specify more. Compliance obligations remain yours; our job is to make sure you can see clearly what you are required to hold and whether you hold it.
There is no registration standard obliging you, but plan managers, participants and any organisation subcontracting to you will generally require it, and you carry the same liability either way.
Often not. It is one of the most commonly excluded exposures in standard liability wordings, and it is the one most relevant to this sector. Send us your wording and we will tell you where you stand.
Not for yourself, because you are not your own worker. But if you engage anyone else, including on a casual or contract basis, the position changes quickly. It is worth checking before you take anyone on rather than after.
Check your motor policy first. Most personal policies do not cover carrying passengers for reward or as part of a business. Tell us how the vehicle is used and we will make sure the cover matches.
Any advice on this page is general only and does not take into account your objectives, financial situation or needs. Insurance requirements referred to here are indicative; confirm the requirements that apply to your registration and your service agreements. Before acting on any advice, read the relevant Product Disclosure Statement and Target Market Determination.
One conversation tells you what the cover actually does, whether the price is fair, and what the rest of the market says about both. No jargon and no sales pitch.
Call us now, most enquiries are settled in one conversation.
Answered 24 hours a day: a broker in office hours (8am–6pm Mon–Fri), and after hours we take your details and a broker rings you back from 8am on the next business day.
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The information on this website is general in nature and does not take into account your objectives, financial situation or needs. It is not a recommendation to acquire, hold or dispose of any insurance product. Consider the relevant Product Disclosure Statement, policy wording and Target Market Determination, and seek advice from us about your own circumstances, before making a decision. Cover is subject to the terms, conditions, limits and exclusions of the policy issued by the insurer.
