Bespoke insurance solutions designed to help care providers operate safely, confidently and in full alignment with sector requirements.
Bespoke insurance solutions designed to help care providers operate safely, confidently and in full alignment with sector requirements.
Specialist Risk Group (SRG) work closely with aged care, disability support, and community service providers to manage complex care-related, operational, regulatory, and governance risk. We work with leadership and care teams to understand your service model, duty-of-care obligations and compliance pressures, enabling us to tailor insurance programs for safe, reliable and continuous care. Through strong insurer relationships and access to global specialty markets, we help organisations secure comprehensive protection suited to their care environment and client needs.
Care providers face increasing expectations around safety, compliance, workforce management and service continuity. Injuries, clinical errors, facility issues or operational interruptions can create significant financial, regulatory and reputational impact. As client needs evolve and oversight intensifies, specialist insurance is essential to support duty-of-care responsibilities, safeguard staff and residents, and maintain the stability of care delivery.
Slips, falls, manual handling injuries, behavioural incidents and day-to-day care exposures.
Errors in care delivery, assessments, medication support, therapy or clinical intervention.
Employment liability relating to staff-related disputes, misconduct allegations, regulatory investigations and compliance breaches.
Damage to homes, community facilities, mobility devices, medical equipment, kitchens and shared spaces.
Facility closures, equipment breakdowns or other insured events affecting service continuity.
Reliance on specialist care equipment, medical supplies, and third-party providers, where failure or delay can disrupt care delivery and compliance.
Cyber risks relating to confidential patient health information, care plans, scheduling systems and digital client records.
We arrange cover across the biotech and life sciences industry, with specialist expertise across the following:
Our approach is tailored to each care organisations we work with. Typical covers we can arrange include:
Protection against injury or property damage caused by your products, devices, therapies or operations.
Protects against errors in personal care, clinical support, assessments, behavioural support or allied health services.
Covers claims arising from diagnostic services, laboratory errors, device use or clinical interactions.
Covers claims arising from diagnostic services, laboratory errors, device use or clinical interactions.
Covers workplace-related claims including discrimination, harassment, unfair dismissal, and staff misconduct allegations.
Covers facilities, rooms, communal areas, mobility equipment, medical devices and operational infrastructure.
Protects your income and operating costs if service delivery is disrupted due to insured physical damage or closures.
Coverage for cyber breaches involving sensitive health and patient data, electronic records, and digital care platforms.
Bundled protection for governance risks, statutory liability, crime exposures and employment-related issues.
Protection against theft, fraud or dishonesty by employees, contractors or volunteers.
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Protection against liabilities arising from service agreements, government-funded care obligations, and NDIS contracts.
Care providers operate in highly regulated environments with elevated duty-of-care obligations, vulnerable clients and complex workforce exposure. Standard business insurance does not adequately address clinical risk, regulatory scrutiny, safeguarding responsibilities or continuity of care requirements.
Each care setting carries distinct risk profiles. Residential facilities face higher premises and clinical exposure, supported living introduces shared-accommodation risk, and in-home care increases mobile workforce, third-party property and client-interaction exposure. Insurance must reflect these differences.
Generic policies often exclude clinical activities, impose unsuitable sub-limits or fail to respond to regulatory or safeguarding claims, leaving providers exposed to uninsured losses and compliance breaches.
Insurance should be reviewed following regulatory changes, service expansion, new funding arrangements, workforce changes, facility upgrades or significant incidents, not confined to the annual renewal cycle.
We work closely with leadership teams to understand service models, governance obligations and operational risk, providing structured advice, insurer engagement and specialist claims support aligned to safe, compliant care delivery.
Common claims arise from client injury (such as slips, falls or manual handling), allegations of inadequate care or supervision, medication errors, behavioural incidents, staff conduct matters and property-related incidents within facilities.
Business Interruption insurance can support income and operating costs following insured damage or disruption, helping organisations maintain financial stability while restoring services.
Property, Equipment and Transit cover protects essential care equipment, medical devices and mobility aids against damage, breakdown or loss, including when equipment is moved between facilities or client homes.
Yes. Care organisations hold highly sensitive personal and health data. Cyber insurance supports response to data breaches, ransomware, system failure, notification obligations and regulatory investigations.
Yes. Programs can be designed to scale across multiple locations, service lines and workforce models, maintaining consistency while accommodating growth, acquisitions or service expansion.
While requirements vary by service type and funding arrangement, many regulators, funders and contracts require evidence of professional or care liability insurance to demonstrate appropriate risk management and compliance.
Insurance programs are structured to align with regulatory frameworks, accreditation standards and contractual obligations, including limits, scope of cover and jurisdiction. Poorly aligned insurance can create compliance gaps or breach funding conditions.
Directors and Officers (D&O) and Management Liability insurance protect leaders against claims relating to governance decisions, regulatory investigations, employment matters and alleged failures in oversight or compliance.
Employment Practices Liability and Management Liability cover can respond to disputes involving unfair dismissal, discrimination, harassment, misconduct allegations and regulatory employment investigations.
Insurance programs are commonly structured to meet funding body and contract requirements, including NDIS-specific obligations, ensuring coverage aligns with service delivery models and reporting expectations.
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