What insurance does an NDIS sole trader need?

The full answer

Sole-trader support workers have lower insurance requirements than employers: Public Liability $5-10M covering injury/property damage you cause ($400-$800/yr), Professional Indemnity if you give clinical advice — occupational therapists, physiotherapists, psychologists must have it ($300-$800/yr), no Workers Compensation (you're not an employer). Some plan managers require sole traders to carry $1M+ public liability. Use an NDIS-specialist broker to quote — general insurers often underwrite sole traders poorly or exclude NDIS work. Total cost: $400-$1,500/yr for most sole traders.