Aged Care Public Liability Insurance

Caring for the elderly is a deeply meaningful and essential service – but it also comes with significant responsibility. Whether you're an individual caregiver, a team of healthcare professionals, or operate a residential facility, having comprehensive insurance is vital to protecting your team, your clients, and your reputation.


At ACS Financial, we offer tailored insurance solutions for aged care facilities, workers, and providers across Australia. Our policies are designed to cover the complex risks that come within this sector – giving you peace of mind while you focus on delivering compassionate, professional support.


WHAT YOU NEED TO KNOW

Aged Care Insurance: Tailored Solutions for your
aged care facilities around Australia


This sector requires specific insurance policies that protect people, property, and the unique risks associated with elderly care. Whether you're running a facility or working as an individual provider, we offer comprehensive insurance options to suit your needs.

Types of Aged Care Insurance
available to you:


1. Public Liability Insurance for Aged Care Facilities

Public liability insurance is essential in aged care settings. It covers claims resulting from injury or property damage that may occur during the course of care, whether in a residential facility or during in-home visits.

Person holding an injured hand in a black brace while discussing compensation options with a lawyer in a professional setting.

Why Public Liability is Important

Elderly clients are more vulnerable to slips, trips, and accidental injury. When accidents happen, public liability insurance ensures that your business or facility is protected from the financial consequences of legal action.
This type of insurance for aged care facilities also reinforces your commitment to providing safe, professional care – something that gives residents and their families added confidence.

What Public Liability Typically Covers:


Injury to Residents or Visitors

Coverage for medical expenses and legal claims if a resident or guest is accidentally injured.

Damage to Client or Third-Party Property

Protection for incidents where staff accidentally damage belongings or premises.

Legal Defence Costs


Financial support for legal representation, even if you’re found not at fault.

Accidents in Common Areas

Whether in dining halls, gardens, or shared spaces, you’re protected from claims arising from everyday incidents.

Food or Medication-Related Incidents

Protection against claims arising from allergic reactions or mishandling of food or medication.

Injuries During Off-Site Outings

Coverage for incidents that occur during supervised outings or transport services, such as community visits or medical appointments.

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2. Professional Indemnity Aged Care Worker Insurance

Professional indemnity insurance protects workers and providers against claims of negligence, breach of duty, or errors in professional care.

Aged care worker engaging with elderly client in a comfortable setting, highlighting professional care and communication essential for aged care services.

Why Professional Indemnity Matters

Aged care professionals manage complex medical, emotional, and physical needs. Despite best efforts, mistakes can happen – whether it’s a missed medication dose, a documentation error, or a miscommunication with a family.


Aged care worker insurance helps mitigate the financial and reputational risks associated with such claims, ensuring your focus remains on delivering excellent care.

What Professional Indemnity Insurance Covers:


Claims of Negligence or Inadequate Care

Coverage for allegations of improper care, delayed response, or medical oversights.

Incorrect Advice

Protection against claims arising from unintentionally providing inaccurate health, care, or treatment advice that results in harm or adverse outcomes for residents or their families.

Breach of Professional Duty

Protection if you're accused of not meeting standards or failing to follow policies.

Loss of Records or Documentation

Covers legal risks associated with the misplacement or loss of critical client files.

Breach of Confidentiality

Shields against unintentional data leaks or privacy violations.

Defamation and Libel

Covers legal action stemming from unintended verbal or written statements.

Protect your team and your reputation.

3. Personal Accident Insurance for Aged Care Workers

Aged care roles are physically demanding and emotionally taxing. Personal accident insurance provides protection for workers who may be injured on the job, from lifting residents to slips during shifts.

Aged care worker assisting elderly person, hands clasped, highlighting personal connection and support in caregiving.

Why Personal Accident Insurance is Vital

Whether you're a facility employee or a sole trader providing in-home care, you are your greatest asset. Personal accident insurance ensures you’re financially supported if you’re injured or become unwell, and unable to work.

What This Insurance Typically Covers:


Loss of Income Due to Injury or Illness

Compensation for missed wages, ensuring stability while you recover.

Medical & Rehabilitation Costs

Covers hospital stays, recovery treatments, emergency medical transport, and rehabilitation expenses.

Permanent Disability or Death Benefit

A lump sum payout for the worker or their family if serious injury or death occurs.

Want to safeguard your livelihood?

4. Additional Insurance Options for Aged Care Facilities

ACS Financial offers comprehensive cover across all levels of aged care services. Whether you run a small residential home, a large facility, or provide in-home support, these extra policies provide added protection:

Management Liability Insurance

Protection for directors, board members, and managers from risks like employment disputes, OH&S issues, or regulatory breaches.

Property Insurance for Aged Care Facilities

Covers damage to physical locations, such as aged care residences, medical equipment, and common areas.

Equipment Breakdown Insurance

Covers the cost of repair or replacement of essential equipment in case of malfunction.

Business Interruption Insurance

Helps facilities manage income loss due to temporary closures, fires, or other unexpected disruptions.

Volunteers Accident Insurance

Protects volunteers assisting within your facility from injury-related costs.

Cyber Liability Insurance

Protection against data breaches, cyberattacks, and accidental exposure of sensitive resident or medical information.

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Why Providers Benefit from Insurance

Why Aged Care Providers Need Insurance

Confidence in Care


With the right aged care insurance, your organisation and staff are protected from the unexpected. It allows you to focus on caring for elderly Australians without the worry of legal or financial consequences.

Woman smiling on phone while using laptop, representing support and communication in aged care insurance services.
Three women smiling in an office setting, representing a supportive environment for aged care providers, highlighting professionalism and trust in care.

Improved Credibility and Trust


Working with aged care insurance brokers like ACS Financial shows your commitment to quality and safety. Families and residents feel more secure knowing you have professional protection in place.

Essential Financial Protection


Insurance prevents one-off incidents from becoming long-term financial burdens. It’s an essential safety net for individuals and organisations providing elderly care.

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But can you really trust us?

Here what our clients are saying:


Need help choosing the right insurance package?

Learn more about Aged Care Public Liability Insurance

Whether a certain policy exists is only one part of what decision-makers need to understand. Beyond that, they need arrangements matched to the organisation’s operating model, obligations and specific risk exposures. A generic approach to recommendations may not account for important details concerning day-to-day operations, workers, services, compliance requirements and contracts. Dense wording also makes it harder to know what an arrangement actually provides, and most organisations would rather not spend time deciphering language that should be straightforward. With over 30 years of experience in refining tailored insurance and protection solutions for organisations, ACS Financial advises organisations operating in complex environments, where regulatory compliance and continuity planning matter. We also bring insights shaped by diverse risk profiles, spanning a range of industries, organisational models and regulatory environments. For instance, we have worked with NDIS providers that coordinate workers across homes and community settings. Property owners overseeing commercial premises have also turned to our solutions when managing maintenance obligations and tenant relationships. Whether an organisation is looking up ‘aged care Public Liability insurance’ or ‘home health care business insurance‘, our advisers can walk you through the available options and recommend arrangements suited to your specific risks, obligations, activities and operating realities.

Choosing the right insurance arrangements means understanding your operations, your key assets, the people you work with and where claims or interruptions might occur. ACS Financial can assess these factors before you choose cover, with us as specialist brokers who can access insurance and protection products exclusively available to brokers. For example, public liability protection is important when there’s a risk of accidental harm to others or damage to their property. This can happen when staff interact with clients, visitors, contractors, suppliers or members of the public, including when NDIS support workers operate in clients’ homes. Professional indemnity insurance may apply where clients or third parties allege that professional services caused harm through negligence, error or omission, with options that may extend to legal defence costs and claims for damages. Meanwhile, commercial property insurance helps protect assets such as equipment and warehouses against insured events, including theft, property damage, glass breakage or machinery malfunction. Whatever the case, available insurance and protection options can be tailored to your organisation’s needs and considered at competitive prices. Whether you’re looking up ‘aged care Public Liability insurance’, ‘aged care insurance brokers‘ or ‘home care provider insurance‘, we aim to identify cover suited to your current responsibilities while allowing for changing demands as your work evolves.

Choosing insurance shouldn’t make you wonder about what it actually covers. You also shouldn’t have to wonder if something has been overlooked or how each option connects to your responsibilities. That’s exactly why a straightforward approach matters. Get in touch for a consultation and walk us through your existing arrangements and objectives to begin. That helps us build a clearer view of your unique situation and any potential exposure, helping us suggest options that may mitigate your risk. Then, your information and requirements are carefully assessed to identify appropriate insurance options available through our network. Following this review, you will receive clear recommendations and a competitive online quote that’s subject to your approval. Throughout the process, you can expect ongoing support from us, whether you still need further advice on which solution fits your needs or are already prepared to get a quote. We’re here to help you out, whether you’re curious about ‘commercial business insurance quote‘ or ‘Public Liability insurance quote‘. If you want to learn more about ‘business insurance liability public small‘ or ‘Australian Professional Indemnity insurance‘, you may call us at 1800 646 777 or request a callback online, so speak with a specialist now.

DO YOU HAVE ANY QUESTIONS?

Frequently asked questions


What type of insurance do aged care facilities need?

At a minimum, facilities should have public liability, professional indemnity, and property insurance. Management liability and equipment breakdown cover are also highly recommended.


Is aged care worker insurance mandatory?

It is strongly advised to have public liability and personal accident insurance. This protects both the worker and their clients.


What’s the difference between public liability and professional indemnity?

Public liability deals with third-party injuries or property damage. Professional indemnity covers claims of negligence, errors, or failure to meet professional standards.


Do aged care providers need separate insurance for volunteers?

Yes. Volunteers should be covered under a separate personal accident policy to ensure they’re protected while working on-site or in-home care.


How much does aged care insurance cost?

The cost varies depending on your role, the size of your operation, services offered, and coverage needs. Our brokers can provide you with a tailored quote.


Can I get aged care insurance as a sole trader?

Absolutely. ACS Financial offers aged care worker insurance options specifically for sole traders and in-home providers.


Where can I find aged care insurance brokers I can trust?

ACS Financial is a leading broker for aged care insurance solutions in Australia. Our experienced brokers can guide you through your options to find the perfect policy.

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