Smarter business insurance

Aged Care Facilities Insurance.
We Can Help.

Business insurance brokers who arrange cover for aged care providers across Australia.

100%

Australian Owned

Direct

Broker Access

National

Coverage

Recognition

Industry Awards

Access to Australia's leading insurers and underwriting agencies, including:

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We're business insurance brokers based in Sydney, working with clients across Australia. If you run a residential aged care facility, home care service, or retirement village, we can help you arrange the insurance cover your operation needs.

Aged care providers face risks that standard business policies don't always address properly. You're caring for vulnerable people, handling sensitive health data, and operating in a heavily regulated environment. That combination means you need cover that actually fits what you do.

RISK ARCHITECTURE

What aged care facilities typically need

Most aged care providers need some combination of public liability, professional indemnity, property insurance, business interruption, workers compensation, and increasingly, cyber cover.

Public liability covers claims if a resident, visitor, or their property is injured or damaged due to your operations. Given the nature of aged care, this is fundamental.

Professional indemnity protects against claims of negligence, errors, or failure to provide adequate care, covering legal costs and any compensation payable.

Property insurance covers your building, equipment, and contents against damage from fire, storm, theft, or other events.

Business interruption covers lost income and ongoing costs if your facility can't operate due to an insured event.

Workers compensation is legally required in most states and covers medical costs and lost wages for staff injured at work.

Cyber insurance is increasingly relevant given the sensitive health data aged care providers hold.

Aged care risk management placeholder

Why use a broker?

Aged care has specific risks that generic business policies don't always cover properly. A broker can help you understand what you actually need, compare options from multiple insurers, and make sure you're not paying for cover you don't need or missing cover you do.

If your risks are complex or you've been knocked back elsewhere, we'll be honest about whether we can help or point you to someone who can.

KNOWLEDGE BASE

Frequently asked questions

Yes. Even small facilities face serious risks, from resident injuries to property damage to professional negligence claims. Insurance protects you from costs that could otherwise close your business.
Yes, most public liability policies can extend to cover volunteers working at your facility. Workers compensation requirements vary by state, so it's worth checking what applies to you.
Standard policies typically don't cover residents' personal property. You'd need to add specific cover for this, or residents may need their own contents insurance.
This depends on your size, services, and any contractual or regulatory requirements. Many providers need at least $10 million public liability and $1 million to $5 million professional indemnity, but we'd assess your specific situation.

Get the right cover for your aged care business

Call us on 02 9000 1155 or request a quote online.