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What insurance do I need as an aged care worker?
With the introduction of the Home Care Package, more people over 65 can access affordable aged care services. Aged care workers help keep our elderly well and independent, safe in their own home and interacting with their community.
Whether you are self-employed and working alone or part of a care organisation, you need to protect yourself against the risks you face each time you go to work. If something were to go wrong, you could be held liable.
Why do aged care workers need insurance?
As an independent aged care worker, you take on a great deal of responsibility. You are often making decisions on behalf of the people you are caring for. For example, if you accidentally give the wrong amount of medication to a client, this could result in a claim of negligence or professional misconduct. Or if a piece of equipment is left in a way that causes someone to fall and be injured, you could be held liable for compensation and medical costs.
If you have an ABN and are engaged directly by a family, it is very likely that your engagement will depend on you holding these insurances.
What insurance cover do I need?
Professional Indemnity
Protects you against claims for alleged negligence or breach of duty arising from an act, error or omission in the performance of your professional duties.
Public Liability
Covers your legal and defence costs, medical costs and compensation if a third party suffers injury or property damage as a result of your negligence.
Personal Accident (optional)
Also known as income protection. If you are ill or injured and unable to work, this cover ensures you have an income to cover running expenses until you recover.
How can MyCareSpace help you?
MyCareSpace has partnered with BizCover to bring you insurance tailor-made for aged care workers at an affordable price. Get an instant quote online — no lengthy documents or questionnaires, it's a fully paperless experience.
Ready to get covered?
Have your ABN handy. Takes less than 5 minutes.
Want to speak to an agent?
Call 02 8287 6576 to speak to a BizCover agent and find out what cover is right for your business.
Disclaimer: MyCareSpace does not offer insurance advice. There is no one-size-fits-all for insurance and your insurance agent will be able to ensure you have the correct cover.
MyCareSpace is a referral partner of BizCover Pty Ltd (ABN 68 127 707 975; AFSL No 501769). MyCareSpace earns a commission from BizCover when you purchase a policy through their website. Any advice provided is general advice only. Please read the relevant PDS before making a decision. For more information, read BizCover's Financial Services Guide.
MyCareSpace resources may be shared provided they are credited to MyCareSpace with backlinks to the original resource.
MyCareSpace resources may be shared provided they are credited to MyCareSpace with backlinks to the original resource.
