Insurance for Support & Disability Workers

Instant public and products liability insurance and professional indemnity insurance for disability support workers  

Competitive pricing with monthly option

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What is covered under this insurance policy for disability support workers?

Support worker insurance under the allied health professionals insurance covers disability support workers, home respite care workers, carers and disabilities assistance providers and is designed to include both professional indemnity, public liability and products liability insurance.

The policy covers disability support workers that work full time, part time or freelance.
Public Liability

Public liability insurance protects you and your business against any liability if someone is injured on your premises or while you are providing your disability care services in Australia.

Professional Indemnity

Professional indemnity insurance protects you for claims made against your business in the course of providing your disability support worker services in Australia.

Third Party Property Damage

Products liability insurance protects you for claims made against your support worker services in Australia for any products sold or supplied by you to a third party.

Investigation Costs

Investigation costs cover legal costs and expenses in responding to an investigation from an official body on a complaint made against you or your support worker services.

Defamation

Protects you and your business against any actual or alleged defamation, or harm to the reputation of a third party online or in public in relation to the provision of your support worker services.

other benefits

Value added benefits of disability support worker insurance:

Contract Review

This entitles you to four contract reviews each year you have your support worker insurance. This can be used for any contract that might impact your insurance policy. An example of this might be retaining a contractor.

Complimentary Legal Advice

This provides 1 hour of complimentary legal advice to you each year from our insurance partner's panel of solicitors, for any matter which is notified to us and may become a claim.

Whistleblower Hotline

You and your business employees can access a Whistleblower Hotline that is provided by our insurance partner at no additional cost to you.

events covered
Physical Injury

While feeding a patient, you accidentally give them more food than they can swallow, leading to choking and worsening of their mental trauma.

Trips, Slips and Falls

Your patient’s grandchild trips on some medical equipment and hurts their head while attending your patient's home leading the family to make a claim against you for injury.

Negligence

You’re working with a client and leave the door open while cleaning up. The patient, who has Alzheimers, wanders out on the street and goes missing. Their family members make a claim against you for PTSD as it is a number of days until the client is found.

Error of Judgement

You give more than the prescribed amount of medicine to keep the patient sedated and calm for the days you care for them, this is found to be more medicine than necessary putting the client in harm of overdosing. Their guardian makes a claim against you for breaching your duty of care.

Bad Professional Advice

You think it is a great idea to lock your client when they get agitated till they calm down. Their guardian finds this out and claims that you are not providing appropriate care.

Third Party Damage

You damage  a client’s adjustable bed and mattress by spilling your coffee on the electrics  while changing the sheets and cleaning the room for your patient.

cover for all situations

This disability support worker insurance covers

Providing 24 hour respite services anywhere across Australia
Assisting your client in and out of a parked car (no cover while driving)
Taking your clients out to walks, swims
Spectator to sporting matches
Attending or short stays at caravan parks or camping with clients
Taking your clients out to music concert, festival, or theme park
Travel by public transport subject to the terms and conditions of the policy

This insurance covers your support worker services:

Anywhere in Australia
Anywhere in the world (as long as the claim is made in Australia)
In temporary accommodation for 24 hour respite care
For remote work or services you provide to Australian clients from anywhere in the world.
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exclusions

What is not covered (exclusions) under the disability support worker insurance policy?

Abuse

Abuse excludes cover for any insurance claim that might arise from actual or alleged verbal, physical, sexual abuse, molestation, assault, battery or violence.

Dishonest / wilful acts

Dishonest and/or wilful acts exclude cover for any insurance claim that might arise from dishonest, fraudulent or criminal acts.

Alcohol and Drugs

This excludes cover for any insurance claim that might arise from use of alcohol, illegal drugs, narcotics and intoxicants

*For all policy exclusions, please refer to the policy wording and general terms & conditions.

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other occupations covered

Check out some other occupations covered under the Allied Health Professionals insurance policy

Nursing Professionals
See More
Support & Disability Support Workers
See More
Other 27+ Care & Support Professions
See More
how upcover works

How upcover works

To get your instant quote, all you need to enter is your occupation and your expected income! No emails, no name, no personal information!

Get instant proof of insurance instantly

Whether you need to get support worker insurance to care for a client or work with an institution, having a certificate of insurance at your fingertips certainly helps!

With upcover, you can get your certificate of insurance instantly. Even better, you can share it with just one click!

The sky’s the limit!

With insurance limits of up to $10m professional indemnity and $20m public and products liability, plus reinstatements, support worker insurance is the perfect solution for support workers, carers and disability and aged caregivers.
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Latest Posts

From Our Blog

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Why Should You Start A Career As a Disability Support Worker?
Have you ever asked yourself "why do I want to be a disability support worker?"
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Is Disability Support Work GST-Free?
While many of the 4.4 million Australians who have a disability learn to adapt or cope with the physical and emotional challenges, financial burdens may be difficult to overcome.
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Are Telehealth Practitioners Covered?
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faqs

You asked, We answer

Why is disability support workers insurance important?

Support workers whether for the disabled, or elderly help the vulnerable navigate through their day to day lives with ease. Some of the duties include assisting with activities or outings, healthcare, meals preparation, personal hygiene, mobility, medicines, and household chores. Being a support worker entails a lot of responsibility and care.

However, sometimes mistakes happen and things do not go according to plan. If your client or their family holds you responsible, it could put everything you have worked for at risk.Professional Indemnity insurance is included in this insurance in addition to public and products liability insurance.

This protects you and your business against any negligent care you might give to your clients. If you're unprotected, you could suffer a devastating financial blow.

What can a disability support worker be sued for?

While we hope it doesn't happen, support workers can potentially be sued for:
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1. Covering medical costs (current and future) for a client that is injured
2. Loss of a client's earning capacity when the client is off work
3. Additional compensation if the damage to the client is permanent/long-lasting
4. Mental trauma, pain and suffering of the client from the injury.

What limits are available with upcover?

You can get covered today with tailored support workers insurance that provides public & products liability insurance limits available up to $20m, and professional indemnity limits available up to $10m.

Who is upcover?

upcover is an insurtech that works with the oldest insurance markets and global leaders in insurance innovation. All insurance products are underwritten by ProRisk. Our aim at upcover is to make it super easy for small businesses to buy insurance and be well-informed about their choices.

What occupations are covered under support worker insurance?

1. Disability support worker
2. Disabilities assistance service
3. Support worker 
4. Home Support - Welfare 
5. Home/respite care
6. Nursing care - in patients home
7. Welfare services for the elderly (except accommodation)
8. Homeless welfare assistance (except accommodation)
upcover Pty Ltd ABN 17 628 197 437 (“upcover”) is Corporate Authorised Representative (CAR 1299211) of Experience Insurance Services Pty Ltd (AFSL 539078).
upcover is a Corporate Authorised Distributor and has entered into an arrangement with Armada Underwriting Pty Ltd ABN 84 000 989 131 AFSL 237402 (“Armada”) and Mercurien Insurance Pty Ltd ABN 68 150 845 177,  AFSL No 480284 (“Mercurien”). upcover markets insurance products and services on behalf of Armada and Mercurien respectively. Cover is subject to the terms, conditions, limits and exclusions of the Policy. All insurance is underwritten by Professional Risk Underwriting Pty Ltd  ABN 80 103 953 073 AFSL 308076 (“ProRisk”) under an authority to bind cover on behalf of Swiss Re International SE, Australia Branch ABN 38 138 873 211 (“Swiss Re”) or Mercurien on binding authority from Assetinsure Pty Ltd ABN 65 006 463 803, AFSL 488403. Armada, ProRisk, Mercurien and upcover and their employees act as agents of Swiss Re and Assetinsure Pty Ltd, not as your agent. Neither ProRisk, Armada, Mercurien or upcover act on your behalf when distributing the insurance products and services and any advice provided is general advice only and does not consider your objectives, financial situation or needs.
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Information provided is general advice only and has been prepared without taking into account any person's particular objectives, financial situation or needs. Read the relevant Product Disclosure Statement or Policy Document available and consider whether it's appropriate before making any decisions about whether to buy a product.
© Copyright 2019 - 2023 upcover Pty Ltd ABN 17 628 197 437, CAR 1299211 of Experience Insurance Services Pty Ltd ABN 41 657 596 506, AFSL 539078