Carer Insurance | Professional Indemnity Insurance | Fully Insured

Carer Insurance

As a paid Carer working under the NDIS

If you work as an individual paid carer who provides services to someone with a disability, and you are not employed by an agency or company direct, you may need your own carer insurance. At Fully Insured we work with Carers to provide an affordable solution with the best possible protection.

Public Liability & Professional Indemnity Insurance

Public Liability Insurance

Public Liability insurance is recommended for any business that interacts in public places. As a carer, there is always the potential for something to go wrong – and accidents do happen. We can provide Insurance cover of up to $20,000,000 cover to protect you for Public Liability.

Professional Indemnity Insurance 

If you provide advice or services in your daily work as a carer, it’s important to protect your business against potential claims of malpractice or professional misconduct. You may be very confident that you have done nothing wrong, but if a claim arises this insurance protects you for defence against such a claim. That’s why we offer professional indemnity insurance as part of our Carer specific business insurance package. Most businesses require you to provide evidence that you have this insurance in place, called a Certificate of Currency,  which we can assist with once your policy is in place with Fully Insured.

Personal Accident and Illness insurance

What does it cover?

When your self employed, workers compensation insurance is not in place for you. Its important that you consider Personal Accident insurance
  • Loss of income as a result of not being able to work due to an injury e.g. muscular injury, or a sickness (if you have selected the illness option).
  • Depending on which insurer you choose there may be additional cover included as part of your policy, for example, return to work assistance, transport to and from work and reimbursement of professional membership fees. (Check the PDS for details).
  • You can also opt for Death and Disablement, which provides cover for accidental death as a result of an injury, or for Partial Disablement e.g. a broken leg or Total Disablement e.g. loss of sight.

What is typically NOT included in the cover?

An injury or sickness that is the result of:
  • Pre-existing conditions
  • Pregnancy and childbirth
  • Criminal acts caused by you
  • Suicide and intentional self-injury
  • Being under the influence of alcohol or drugs
  • Participating in professional sports
  • Mental illness, mental or emotional disorders
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