Do I need insurance to be an NDIS provider?

The full answer

Insurance is a Practice Standards prerequisite for registration and a basic risk-management requirement even for unregistered providers. Standard requirements: Public Liability $20M (covers injury/property damage to third parties), Professional Indemnity $5M (covers claims from professional advice — required for allied health and behaviour support), Workers Compensation (state-mandated as soon as you have any employee), and ideally Abuse Liability and Cyber Liability. Premiums range $700 to $5,000+ per year depending on service type. Use NDIS-specialist brokers like NDIA Insurance Brokers or Guild Insurance for sector-specific cover.