Custom NDIS Insurance for High Risk Services

Specialist NDIS Insurance

Custom insurance for high-risk NDIS services

Gallagher are NDIS Insurance experts who understand SIL, SDA, nursing and other high-risk services. Get a specialist review of your cover.

Your rented SIL property has a fire

A support worker was cooking with oil and left the pan unattended to assist a participant. The pan catches fire and the property is burnt down. The landlord would deem your support worker negligent in causing the property damage.

Most standard Public Liability policies do not cover property damage to rental properties — so you may not be covered and would have to pay for all repairs yourself.

Your rented SIL property is badly damaged by a participant

Not all Public Liability and Professional Indemnity policies cover you for the delivery of SIL/in-home support.

Only Commercial Property Insurance will cover you for loss or damage to the building you are renting, covering risks like fire, theft, flood and vandalism.

Residential Property Insurance is not appropriate for SIL or STA properties, because the insurer will view this as a business run from the property.

You rent an office for your admin team

A standard Public Liability policy does not include property damage to commercial rental properties. If you or your employees cause damage to your office — for example, a faulty toaster causing a fire that you knew about — you could be considered negligent and may not be covered.

Commercial property insurance will cover you for loss or damage to the building you are renting only if you are legally obliged to insure it under a commercial lease agreement. Ensure your Public Liability insurance covers this risk.

Your support workers or nurses administer medication

Your Public Liability and Professional Indemnity policy is unlikely to cover these activities unless specifically stated.

If you are a healthcare professional (registered nurse or allied health), not all professional indemnity insurance will cover claims related to professional negligence, including errors in administering medication.

CHECK YOUR POLICIES to ensure that medical malpractice coverage is included, especially if you have Registered Nurses delivering care.

A risk of molestation or sexual abuse in a group environment

When providing direct support to people, there is the risk of abuse or allegations of abuse. Your current Public Liability or Professional Indemnity policy might specifically exclude sexual abuse or molestation, or remove cover in out-of-home care accommodation services like SIL and STA.

These risks can be covered by an extension to your current policy or a separate policy. Your specific circumstances will be considered.

You own a fleet of vehicles

CTP will cover your clients and staff while they are driving your vehicles, but not when they are stationary. Vehicles fitted with lifts and hoists may not be covered under your Public Liability policy.

If an injury occurs whilst a participant is being transferred into a vehicle, the CTP policy may decline cover because the vehicle was not in motion. Ensure your Public Liability insurance includes 'tool of trade' coverage.

You have contractors or volunteers working for you

Some Public Liability and Professional Indemnity policies do not cover contractors or volunteers. If you engage support workers as contractors, their activities might not be covered by your current policies, creating gaps in your insurance cover.

You can arrange cover for contractors under a Public Liability and Professional Indemnity policy if these activities are declared.

Not sure if you're covered?

Speak to a Gallagher NDIS Insurance specialist today.