Disability Support and Care Insurance

protects you against

What is covered under this insurance?

This insurance under the allied health professionals is designed to include both professional indemnity, public liability and products liability.

It includes insurance limits of up to $10m professional indemnity and $20m public and products liability, plus reinstatements. This policy also includes retroactive cover for otherwise uncovered matters arising from prior practice.

The policy is suitable for healthcare professionals working remotely, providing telehealth services, or in an institution.

The policy also covers nurses working full time, part time or as a freelancer.

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 nursing services in Australia.

Professional Indemnity

Professional indemnity insurance protects you for claims made against your business in the course of providing your professional care services in Australia.

Third Party Property Damage

Products liability insurance protects you for claims made against your nursing business 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 care 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 care services.

cover for all situations

The insurance can include cover for the following listed:

Cosmetic injectables *

Employees

Sole traders

Businesses

Australia wide

Telehealth

IV infusions*

operates alongside union umbrella insurance (need insurance in order for umbrella to respond)

bowel cleansing

Providing medication

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.

It doesn't cover

Activities you aren't qualified/certified to perform

Midwifery

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* Please ask our team, as this can be noted to your quote or policy, please be aware that additional premium might apply when you add these activities.

other benefits

Value added benefits of the nurses insurance policy

Contract Review

This entitles you to four contract reviews each year you have your 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.

Get the best of both worlds!

With upcover's caregiver professionals insurance, you can now buy both professional indemnity and public and products liability at an affordable combined price - with added benefits too.
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Select from public and products liability insurance limits of up to $20m and professional indemnity limits of up to $10m.
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faqs

You Ask, We Answer

What caregiving or disability support professions are covered under Allied Health Professionals Insurance?

The following occupations are covered under insurance for caregivers & support professionals:

1. Counsellor
2. Disability support worker
3. DoulaNurses (RN, EN, Home Nursing)
4. Social worker
5. Support worker

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)

What occupations are covered under nursing insurance?

1. Nurse
2. Nurse RN
3. Registered nurse
4. Nurse practitioner
5. Enrolled nurse
6. Nurse EN
7. Nursing
8. Nursing care - in patients home
9. Doula

Does this insurance meet the requirements of AHPRA?

Yes, this insurance has been developed by our insurance partner to be tailored specifically to cover the needs of all AHPRA health professionals that require insurance in order to register with AHPRA.

Is there anything about my nursing work that isn't covered, or that I should make sure if added to my policy?

If you have the certifications and training to perform your work as a AHPRA professional, and answer yes to this question from our insurance partner, and it falls within the ordinary scope of your work it should be covered by the policy. However, if you want additional certainty, it can help to add additional occupations such as cosmetic injectables, please raise this with our customer success team.

Doesn't my employer already cover me?

In most instances your employer's insurance may already cover you for your nursing or Allied Health services, however in some instances they may also required you to take out insurance. You can take out insurance as an employee with upcover's market leading insurance offering for nurses.

I already have insurance with my union, why should I consider separate insurance?

Unfortunately, your umbrella insurance provided for free from your union may only be umbrella insurance. This means it would only provide you with cover if you had another insurance policy - an employer, or your own - that didn't respond. It acts as a additional safety net for you if your existing insurance doesn't respond, it doesn't provide you with cover if your employer will not provide you with insurance, or if you work as a business or sole trader and don't hold an insurance policy first.

What other kinds of activities are covered for my profession?

Other activities covered for caregivers: (listed alphabetically)
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1. Disabilities assistance services
2. Disability support
3. Drug rehabilitation counselling services
4. Home/respite care
5. Home support - welfare
6. Home welfare assistance (no accommodation)
7. Welfare counselling service
8. Welfare services for the elderly (no accommodation)

What limits are available with upcover?

You can get covered today with tailored nursing 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.

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