NDIS Provider Insurance
Your Your NDIS Registration Depends on It. Is Your Insurance Right?
1. Submit Your Details & Business Name
Fill out our simple form – it takes less than a minute.
2. Get a NDIS Provider Insurance Quote
We’ll call you to understand your business and prepare your options.
Insurance Cover for Registered NDIS Providers
Under the NDIS Practice Standards, registered providers must hold adequate insurance for the supports they deliver. Getting it wrong risks your registration. We work with a range of insurers to arrange cover suited to your registration groups and services. Options include:
Public Liability Insurance
Mandatory cover for injury or property damage claims arising from service delivery. Registered providers often require a minimum of $10–$20 million cover. The exact requirements vary by registration group. We’ll discuss this with you.
Professional Indemnity Insurance
Mandatory for most providers to protect from claims arising from professional advice or services that cause a participant loss or harm. Required for clinical, therapeutic, and advisory service providers.
Worker’s Compensation Insurance
Mandatory where staff are employed. We can arrange this in ACT, WA, NT, and Tasmania only. For operations in all other states, placement is through your relevant state authority.
Management Liability Insurance
Covers directors and managers against claims arising from running the organisation — including employment practices and regulatory investigations. Relevant for incorporated providers with employed staff.
Commercial Vehicle Insurance
Covers vehicles used for participant transport and service delivery. From a single vehicle to a larger fleet, we arrange cover that reflects how your vehicles are actually used in connection with your services.
Cyber Insurance
NDIS providers hold sensitive participant data under the Privacy Act. Having cyber cover protects your service against the costs of a data breach, system compromise, and the required regulatory response.
Which NDIS Organisations Need This Insurance?
Insurance requirements for registered NDIS providers vary depending on your registration groups, the services you deliver, and the size and structure of your organisation.
We regularly arrange cover for:
- Registered NDIS providers delivering core supports
- Capacity building service providers
- Support coordination services
- Specialist disability accommodation
- NDIS plan management organisations
- Behaviour support services
- Allied health and therapy services
- community participation providers
- Disability employment service providers
- and more
If your registration group isn’t listed, speak with us — insurance requirements vary across the more than 30 NDIS registration groups and we’ll confirm what applies to your specific services.
Your Registration Is Too Important to Risk on the Wrong Cover.
Insurance that doesn’t meet the NDIS Practice Standards won’t just leave you exposed to claims — it can cost you your registration. Speak with us to make sure your cover is structured correctly for your registration groups and the services you deliver.
Frequently Asked Questions
NDIS Provider Insurance FAQ
Is insurance mandatory for registered NDIS providers?
Yes. The NDIS Practice Standards require all registered providers to hold adequate and appropriate insurance as part of their governance and operational management obligations. The NDIS Quality and Safeguards Commission treats inadequate or lapsed insurance as a serious compliance breach — it can result in registration being refused, suspended, or cancelled. Maintaining current insurance and being able to produce certificates of currency on request is a non-negotiable requirement of registration.
What are the minimum insurance requirements for NDIS providers?
Minimum requirements vary depending on your registration groups and the services you deliver. As a general guide, registered providers are typically required to hold public liability insurance with a minimum limit of $10–$20 million, and professional indemnity insurance where clinical or advisory services are delivered. Workers compensation is mandatory where staff are employed. We’ll confirm the specific requirements that apply to your registration groups and services.
What happens if my insurance lapses during my registration period?
A lapse in cover is a serious compliance breach. The NDIS Commission can flag it as a non-conformance during an audit, and in serious cases it can lead to suspension or cancellation of your registration. Staying on top of renewal dates is critical — we manage this proactively on your behalf and will contact you well ahead of any renewal date.
Do I need different insurance for different registration groups?
Yes — insurance requirements vary across registration groups. Higher-risk services such as behaviour support, specialist disability accommodation, and clinical therapy attract different requirements and typically higher premiums than lower-risk services. We assess your full registration profile and arrange cover that meets the requirements across all of your registration groups.
How much does NDIS provider insurance cost?
Premiums vary significantly based on your registration groups, the services you deliver, the number of participants you support, your staffing levels, and your claims history. Because every NDIS provider organisation is different, we recommend speaking with us directly — we’ll compare options across the market and give you a clear picture of what’s available and at what cost for your specific situation.
Why Businesses Choose Sirius
Your Business Deserves Expert Protection
Access to Multiple Insurers
We compare policies relevant to your business and its operations from leading Australian and global insurers to find the best cover at the most competitive price for your assets.
Competitive Pricing
Commercial insurance pricing moves with market conditions. We monitor the market on your behalf and will tell you honestly whether now is the right time to review your cover or stay put.
We Know Your Business
We specialise in commercial and business insurance. That means when we talk to you, we already understand the risks your business faces. We’ll ask the right questions to understand what makes your business unique, and match cover to what actually matters.
Full Claims Support
Making a claim means something has already gone wrong — the last thing you need is to navigate an insurer on top of it. So, when you need to make a claim, we manage the process from lodgement, discussions with the insurer to settlement so you can focus on getting back to work.
General Advice Warning: The information provided on this page is general in nature and has been prepared without taking into account your individual objectives, financial situation, or needs. Before making any decision about an insurance product, you should consider whether the information is appropriate for your circumstances and obtain and read the relevant Product Disclosure Statement (PDS) and Target Market Determination (TMD). Sirius Insurance Pty Ltd (AFSL 550946) acts as your insurance broker and sources policies from a range of insurers on your behalf. We do not act for any insurer.