What insurance do I need as a support worker working in Australia?

As a support worker in Australia, it's crucial to have appropriate insurance coverage to protect yourself and your clients.  Here are five key types of insurance you should consider:

1. Professional Indemnity Insurance

• Purpose: Protects against claims of negligence, errors, or omissions in the provision of your professional services.
• Coverage: Legal costs, settlements, and damages awarded against you if a client claims your services caused them harm.

2. Public Liability Insurance

• Purpose: Covers claims of bodily injury or property damage caused to a third party (e.g., clients, visitors) during the course of your work.
• Coverage: Legal expenses, medical costs, and compensation if you are found liable for an accident or injury.

3. Personal Accident Insurance

• Purpose: Provides financial support if you suffer an injury or accident that prevents you from working.
• Coverage: Lump sum payments or weekly benefits to cover lost income, medical expenses, and rehabilitation costs.

4. Income Protection Insurance

• Purpose: Replaces a portion of your income if you are unable to work due to illness or injury.
• Coverage: Monthly payments to help cover living expenses while you recover.

5. Workers Compensation Insurance

• Purpose: Mandatory insurance that provides benefits to workers who suffer a work-related injury or illness.
• Coverage: Medical expenses, rehabilitation costs, and income support during recovery.
• Note: If you are self-employed or a sole trader, you may need to arrange your own workers compensation insurance.

Ensuring you have appropriate insurance coverage, means you can protect yourself and your clients, ensuring that you can provide support services with confidence and peace of mind.

If you're a support worker or looking to get into the industry, Westralian Insurance can assist you with the insurance cover you need.  Give our friendly team a call today, on (08) 9302 1388, or visit www.westralianinsurance.com.au