Aged care providers: insurance and scheme requirements

Approved home and residential care for older people.

Data as at 2026-08-25

Required by law or licence

Licence liability condition: No insurance condition was located. Searched: the Aged Care Act 2024 (Cth), the Aged Care Rules 2025, the Aged Care Financial and Prudential Standards 2025, and the Commission's published guidance on provider registration and obligations. The conditions of registration that ARE published cover financial and prudential compliance, rights, service delivery, workforce, governance and incident management — insurance appears in none of them. **Read this as "no requirement was found in the instruments searched", not as a guaranteed absence:** access to the full Financial and Prudential Standards text was limited, and a provider should confirm with the Commission rather than rely on this. The contrast with the NDIS is the useful part — an NDIS registered provider must hold three named kinds of insurance, and no equivalent condition was found for aged care registration. NSW · effective 2026-08-24 Aged Care Quality and Safety Commission · 2026-08-24
Licence evidence required: None found arising from registration. Aged care providers still carry the ordinary employer duties — workers compensation in their state — and whatever their funding agreements and contracts require. NSW · effective 2026-08-24 Aged Care Quality and Safety Commission · 2026-08-24
Licensing body: The Aged Care Quality and Safety Commission — FEDERAL, under the Aged Care Act 2024 (Cth). All providers of Australian Government-funded aged care services must be registered by the Commission, with conditions of registration set in the Act and detailed in the Aged Care Rules 2025. NSW · effective 2025-07-01 Aged Care Quality and Safety Commission · 2026-08-24
Licence liability condition: No insurance condition was located. Searched: the Aged Care Act 2024 (Cth), the Aged Care Rules 2025, the Aged Care Financial and Prudential Standards 2025, and the Commission's published guidance on provider registration and obligations. The conditions of registration that ARE published cover financial and prudential compliance, rights, service delivery, workforce, governance and incident management — insurance appears in none of them. **Read this as "no requirement was found in the instruments searched", not as a guaranteed absence:** access to the full Financial and Prudential Standards text was limited, and a provider should confirm with the Commission rather than rely on this. The contrast with the NDIS is the useful part — an NDIS registered provider must hold three named kinds of insurance, and no equivalent condition was found for aged care registration. VIC · effective 2026-08-24 Aged Care Quality and Safety Commission · 2026-08-24
Licence evidence required: None found arising from registration. Aged care providers still carry the ordinary employer duties — workers compensation in their state — and whatever their funding agreements and contracts require. VIC · effective 2026-08-24 Aged Care Quality and Safety Commission · 2026-08-24
Licensing body: The Aged Care Quality and Safety Commission — FEDERAL, under the Aged Care Act 2024 (Cth). All providers of Australian Government-funded aged care services must be registered by the Commission, with conditions of registration set in the Act and detailed in the Aged Care Rules 2025. VIC · effective 2025-07-01 Aged Care Quality and Safety Commission · 2026-08-24
Licence liability condition: No insurance condition was located. Searched: the Aged Care Act 2024 (Cth), the Aged Care Rules 2025, the Aged Care Financial and Prudential Standards 2025, and the Commission's published guidance on provider registration and obligations. The conditions of registration that ARE published cover financial and prudential compliance, rights, service delivery, workforce, governance and incident management — insurance appears in none of them. **Read this as "no requirement was found in the instruments searched", not as a guaranteed absence:** access to the full Financial and Prudential Standards text was limited, and a provider should confirm with the Commission rather than rely on this. The contrast with the NDIS is the useful part — an NDIS registered provider must hold three named kinds of insurance, and no equivalent condition was found for aged care registration. QLD · effective 2026-08-24 Aged Care Quality and Safety Commission · 2026-08-24
Licence evidence required: None found arising from registration. Aged care providers still carry the ordinary employer duties — workers compensation in their state — and whatever their funding agreements and contracts require. QLD · effective 2026-08-24 Aged Care Quality and Safety Commission · 2026-08-24
Licensing body: The Aged Care Quality and Safety Commission — FEDERAL, under the Aged Care Act 2024 (Cth). All providers of Australian Government-funded aged care services must be registered by the Commission, with conditions of registration set in the Act and detailed in the Aged Care Rules 2025. QLD · effective 2025-07-01 Aged Care Quality and Safety Commission · 2026-08-24
Licence liability condition: No insurance condition was located. Searched: the Aged Care Act 2024 (Cth), the Aged Care Rules 2025, the Aged Care Financial and Prudential Standards 2025, and the Commission's published guidance on provider registration and obligations. The conditions of registration that ARE published cover financial and prudential compliance, rights, service delivery, workforce, governance and incident management — insurance appears in none of them. **Read this as "no requirement was found in the instruments searched", not as a guaranteed absence:** access to the full Financial and Prudential Standards text was limited, and a provider should confirm with the Commission rather than rely on this. The contrast with the NDIS is the useful part — an NDIS registered provider must hold three named kinds of insurance, and no equivalent condition was found for aged care registration. WA · effective 2026-08-24 Aged Care Quality and Safety Commission · 2026-08-24
Licence evidence required: None found arising from registration. Aged care providers still carry the ordinary employer duties — workers compensation in their state — and whatever their funding agreements and contracts require. WA · effective 2026-08-24 Aged Care Quality and Safety Commission · 2026-08-24
Licensing body: The Aged Care Quality and Safety Commission — FEDERAL, under the Aged Care Act 2024 (Cth). All providers of Australian Government-funded aged care services must be registered by the Commission, with conditions of registration set in the Act and detailed in the Aged Care Rules 2025. WA · effective 2025-07-01 Aged Care Quality and Safety Commission · 2026-08-24
Licence liability condition: No insurance condition was located. Searched: the Aged Care Act 2024 (Cth), the Aged Care Rules 2025, the Aged Care Financial and Prudential Standards 2025, and the Commission's published guidance on provider registration and obligations. The conditions of registration that ARE published cover financial and prudential compliance, rights, service delivery, workforce, governance and incident management — insurance appears in none of them. **Read this as "no requirement was found in the instruments searched", not as a guaranteed absence:** access to the full Financial and Prudential Standards text was limited, and a provider should confirm with the Commission rather than rely on this. The contrast with the NDIS is the useful part — an NDIS registered provider must hold three named kinds of insurance, and no equivalent condition was found for aged care registration. SA · effective 2026-08-24 Aged Care Quality and Safety Commission · 2026-08-24
Licence evidence required: None found arising from registration. Aged care providers still carry the ordinary employer duties — workers compensation in their state — and whatever their funding agreements and contracts require. SA · effective 2026-08-24 Aged Care Quality and Safety Commission · 2026-08-24
Licensing body: The Aged Care Quality and Safety Commission — FEDERAL, under the Aged Care Act 2024 (Cth). All providers of Australian Government-funded aged care services must be registered by the Commission, with conditions of registration set in the Act and detailed in the Aged Care Rules 2025. SA · effective 2025-07-01 Aged Care Quality and Safety Commission · 2026-08-24
Licence liability condition: No insurance condition was located. Searched: the Aged Care Act 2024 (Cth), the Aged Care Rules 2025, the Aged Care Financial and Prudential Standards 2025, and the Commission's published guidance on provider registration and obligations. The conditions of registration that ARE published cover financial and prudential compliance, rights, service delivery, workforce, governance and incident management — insurance appears in none of them. **Read this as "no requirement was found in the instruments searched", not as a guaranteed absence:** access to the full Financial and Prudential Standards text was limited, and a provider should confirm with the Commission rather than rely on this. The contrast with the NDIS is the useful part — an NDIS registered provider must hold three named kinds of insurance, and no equivalent condition was found for aged care registration. TAS · effective 2026-08-24 Aged Care Quality and Safety Commission · 2026-08-24
Licence evidence required: None found arising from registration. Aged care providers still carry the ordinary employer duties — workers compensation in their state — and whatever their funding agreements and contracts require. TAS · effective 2026-08-24 Aged Care Quality and Safety Commission · 2026-08-24
Licensing body: The Aged Care Quality and Safety Commission — FEDERAL, under the Aged Care Act 2024 (Cth). All providers of Australian Government-funded aged care services must be registered by the Commission, with conditions of registration set in the Act and detailed in the Aged Care Rules 2025. TAS · effective 2025-07-01 Aged Care Quality and Safety Commission · 2026-08-24
Licence liability condition: No insurance condition was located. Searched: the Aged Care Act 2024 (Cth), the Aged Care Rules 2025, the Aged Care Financial and Prudential Standards 2025, and the Commission's published guidance on provider registration and obligations. The conditions of registration that ARE published cover financial and prudential compliance, rights, service delivery, workforce, governance and incident management — insurance appears in none of them. **Read this as "no requirement was found in the instruments searched", not as a guaranteed absence:** access to the full Financial and Prudential Standards text was limited, and a provider should confirm with the Commission rather than rely on this. The contrast with the NDIS is the useful part — an NDIS registered provider must hold three named kinds of insurance, and no equivalent condition was found for aged care registration. ACT · effective 2026-08-24 Aged Care Quality and Safety Commission · 2026-08-24
Licence evidence required: None found arising from registration. Aged care providers still carry the ordinary employer duties — workers compensation in their state — and whatever their funding agreements and contracts require. ACT · effective 2026-08-24 Aged Care Quality and Safety Commission · 2026-08-24
Licensing body: The Aged Care Quality and Safety Commission — FEDERAL, under the Aged Care Act 2024 (Cth). All providers of Australian Government-funded aged care services must be registered by the Commission, with conditions of registration set in the Act and detailed in the Aged Care Rules 2025. ACT · effective 2025-07-01 Aged Care Quality and Safety Commission · 2026-08-24
Licence liability condition: No insurance condition was located. Searched: the Aged Care Act 2024 (Cth), the Aged Care Rules 2025, the Aged Care Financial and Prudential Standards 2025, and the Commission's published guidance on provider registration and obligations. The conditions of registration that ARE published cover financial and prudential compliance, rights, service delivery, workforce, governance and incident management — insurance appears in none of them. **Read this as "no requirement was found in the instruments searched", not as a guaranteed absence:** access to the full Financial and Prudential Standards text was limited, and a provider should confirm with the Commission rather than rely on this. The contrast with the NDIS is the useful part — an NDIS registered provider must hold three named kinds of insurance, and no equivalent condition was found for aged care registration. NT · effective 2026-08-24 Aged Care Quality and Safety Commission · 2026-08-24
Licence evidence required: None found arising from registration. Aged care providers still carry the ordinary employer duties — workers compensation in their state — and whatever their funding agreements and contracts require. NT · effective 2026-08-24 Aged Care Quality and Safety Commission · 2026-08-24
Licensing body: The Aged Care Quality and Safety Commission — FEDERAL, under the Aged Care Act 2024 (Cth). All providers of Australian Government-funded aged care services must be registered by the Commission, with conditions of registration set in the Act and detailed in the Aged Care Rules 2025. NT · effective 2025-07-01 Aged Care Quality and Safety Commission · 2026-08-24

Cover commonly held

Ordered by how central each cover is to this occupation. This is what businesses in the trade commonly hold and what contracts commonly ask for — it is not a statement that any of it is legally required, and it is not a recommendation.

Professional indemnity insurance — Cover for legal liability arising from professional advice or services, written on a claims-made basis.
Public liability insurance — Cover for legal liability to third parties for personal injury or property damage arising from business activities.
Medical malpractice insurance — Cover for liability arising from clinical treatment and healthcare services, usually written alongside professional indemnity.
Workers compensation insurance — Statutory cover for injury to workers, arranged through each state or territory scheme rather than on the open market.
Management liability insurance — Cover for company and director exposures such as employment practices, statutory liability and defence costs.
Cyber liability insurance — Cover for the costs of a data breach or cyber incident, including response, restoration and third-party liability.
Employment practices liability — Cover for claims by employees over matters such as unfair dismissal, discrimination and bullying allegations.
Business pack insurance — A packaged policy combining property, liability and interruption sections for small business.

Statutory schemes that can apply

Workers compensation (NSW) · NSW — The New South Wales workers compensation scheme, with the nominal insurer and specialised insurers underwriting employer policies.
Workers compensation (Queensland) · QLD — The Queensland workers compensation scheme, underwritten by the state insurer with self-insurance available to large employers.
WorkCover (Victoria) · VIC — The Victorian workers compensation scheme, administered by the state regulator through appointed agents.
Workers compensation (Western Australia) · WA — The Western Australian workers compensation scheme, where cover is placed with approved private insurers under a regulated framework.
Return to Work (South Australia) · SA — The South Australian work injury scheme, funded by employer levies and administered by the state corporation.
Workers compensation (Tasmania) · TAS — The Tasmanian workers compensation scheme, where employers hold a policy with a licensed insurer.
Workers compensation (ACT) · ACT — The Australian Capital Territory private-underwriter workers compensation scheme.
Workers compensation (Northern Territory) · NT — The Northern Territory workers compensation scheme, placed with approved insurers.

Checking what you hold

The document a principal, a landlord or a licensing team will ask for is a certificate of currency. The checker reads one and lists what it does and does not show.

Sources

Aged Care Quality and Safety Commission — Aged Care Quality and Safety Commission — provider registration and obligations