Aged Care Facilities Insurance

We help aged care facilities get the right insurance that could best protect their residents, staff, and operations.

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What is Aged Care Facilities Insurance?

It protects businesses that care for seniors, covering risks like resident injuries or property damage. It’s often a combination of policies, such as public liability and professional indemnity, designed to meet the unique needs of residential care homes, nursing homes, or home care services.

What Does It Cover?

It includes:

Liability Claims: Covers injuries or damage to residents, visitors, or their property caused by your operations.

Negligence Claims: Pays for legal and settlement expenses from claims of professional negligence or errors in care.

Property Damage: Covers the costs of repairs or replacement for facility or equipment damaged by events, such as fires or storms.

Legal Costs and Fines: Pays for lawyer fees or regulatory fines related to operations or compliance.

Business Interruption: Protects you against financial losses from temporary closures due to covered events like floods.

Workers’ Compensation: Covers medical bills and lost income for staff injured on the job.

Who Needs It?

This insurance is essential for:

Residential Aged Care Facilities or Nursing Homes

Facilities providing 24/7 care for senior adults who can no longer live independently due to health or mobility issues.

Home and Community Care Providers

Providers that deliver services to older adults living in their own homes to support independence.

Retirement Village Operators

Operators offering independent living for seniors, usually over the age of 55, who are generally healthy but want a supportive community.

Individual Carers or Allied Health Professionals Working in Aged Care

Those who provide personal care, like hygiene, or domestic assistance, often in homes or facilities.

Why Does It Matter?

Here’s why insurance for aged care facilities matters to you:

It protects you against costly claims.

It pays for rebuilding costs.

It covers your relocation and lost income.

It supports your staff and volunteers.

It helps maintain resident satisfaction.

What’s At Risk?

Imagine these:

A resident slips on a wet floor and breaks their hip. Aged Care Facilities Insurance can cover medical costs and legal fees if they claim negligence.

A fire damages your facility, forcing temporary closure. It helps pay for resident relocation and lost income while repairs are being done.

A staff member accidentally administers the wrong dosage of medication to a resident. This insurance covers the legal costs and compensation claimed by the resident or their family

Frequently asked questions

Does my policy cover my tools and equipment?

Not all the time. You may need separate tools and equipment coverage to protect against theft, loss, or damage. Check your policy to see if it’s covered or contact an insurance broker to add this coverage.

Do I need Electricians Insurance for small jobs?

Yes, even small jobs can lead to big costs. For example, knocking over a client’s TV during a quick repair could leave you paying for a replacement. Electricians Insurance covers these unexpected expenses.

What is excluded from my Electricians Insurance?

Exclusions may include intentional damage, subcontractor work, specific high-risk tasks like high-voltage systems, or claims from work outside your licensed scope.

What is ‘Completed Operations’ coverage?

It covers claims arising after a job is finished, like a fire caused by wiring you installed months ago. Take a look at your policy to check if it includes this.

Can I get Electricians Insurance for specialised work like solar installations?

Yes, you can. But first, you have to confirm that your policy covers that specific work. There are times when there are different tailored policies for niche electrical services.