Insurance for Aged Care Facilities in Australia – What Operators Need to Know

Introduction

Aged care is one of Australia’s most vital and regulated sectors. Whether you're operating a small residential home or a large-scale facility, the risks are significant, from resident injuries and staff claims to property damage and compliance breaches.

At Angelic Insurance, we help aged care providers secure comprehensive, compliant insurance solutions through leading Australian insurers so that you can focus on quality care, not financial risk.

What Risks Do Aged Care Providers Face?

Resident Injury or Illness – Falls, medication issues, or health complications can result in claims
Staff & Volunteer Liability – Injuries to nurses, carers, or volunteers may trigger workers' comp or legal action
Business Interruption – An outbreak or incident may halt operations temporarily
Regulatory Non-Compliance – Fines or actions from aged care regulators
Property & Equipment Loss – Fires, water damage, theft, and damage to essential medical equipment
Allegations of Negligence or Abuse – A reputational and legal risk, even with unfounded claims

Recommended Insurance Cover for Aged Care Providers

• Public Liability Insurance – Covers injury or property damage claims from residents, visitors, or contractors
  
  

• Professional Indemnity Insurance – Covers advice or care-related errors that lead to claims
  
  

• Management Liability Insurance – Protects owners and directors from legal action or regulatory investigations
  
  

• Workers' Compensation – Mandatory for protecting employees and carers
  
  

• Property & Contents Insurance – For buildings, medical equipment, and furnishings
  
  

• Business Interruption Insurance – Replaces lost income if operations must temporarily cease
  
  

• Cyber Liability Insurance – Crucial in 2025 due to resident data and digital care records
  
  

Always refer to the insurer’s Product Disclosure Statement (PDS) for exact inclusions and exclusions.

Who Should Consider This Cover?

 ✔️ Aged Care Facility Operators
✔️ Residential Retirement Villages
✔️ Home Care & Community Support Providers
✔️ Faith-Based or Not-For-Profit Providers
✔️ Disability Services Supporting Elder Australians

Why Angelic Insurance?

As a broker, we’re not tied to one insurer. Instead, we work for you. We help aged care providers:

✅ Compare quotes from leading Australian insurers
✅ Understand complex coverage terms and risk exposures
✅ Structure coverage for regulatory compliance
✅ Update your policy as operations grow or change
✅ Advocate for you in the event of a claim

Peace of Mind for You—and the People in Your Care

The aged care sector deserves strong support and strong protection. Let Angelic Insurance help you build a smarter, tailored insurance strategy that grows with your facility and safeguards those who matter most.

Important Notice & Disclaimer

The content provided on this page is for general information purposes only and does not constitute personal financial product advice. Angelic Insurance Pty Ltd and its authorised brokers do not provide personal advice, and the information on this website has been prepared without taking into account your individual objectives, financial situation, or needs. Before making any decision, you should assess whether the information is appropriate for your circumstances and consider seeking professional advice. Insurance products referenced on this website are subject to eligibility criteria, underwriting assessment, availability, and the terms and conditions of the respective product issuers. Angelic Insurance does not guarantee acceptance of cover or the ongoing availability of any product, nor does it make any representation regarding the suitability or performance of any third-party product. While every effort is made to ensure the information provided is accurate and up to date, details may change without notice, and no warranty is given as to the accuracy, reliability, or completeness of the content. Angelic Insurance and its brokers accept no liability for any loss, damage, or inconvenience arising from the use of, or reliance on, the information provided. All trademarks, product names, logos, and intellectual property referred to on this website remain the property of their respective owners. Angelic Insurance does not claim ownership of third-party content unless expressly stated. If you are the owner of any referenced material and have concerns about its use, or if you require information about the rightful content owner, please contact compliance@angelicinsurance.com.au.Use of this website signifies your understanding and acceptance of this disclaimer