--- title: "Aged Care Worker Or Consultant Public Liability Insurance Quotes | InsureMyLiability Australia" description: "Public liability insurance for aged care workers and consultants in Australia. Protect your career from third-party claims. Get quotes today." canonical: https://www.insuremyliability.com.au/compare/aged-care-worker-or-consultant language: en-AU last_updated: 2026-11-01 --- For AI agents: the site guide is at [https://www.insuremyliability.com.au/llms.txt](https://www.insuremyliability.com.au/llms.txt). # Aged Care Worker Or Consultant Public Liability Insurance Australia InsureMyLiability is an Australian public liability insurance comparison service run by Shielded Insurance Brokers. Our broker team compares quotes from leading insurers such as QBE, Zurich, Allianz and CGU for sole traders and businesses in over 2,000 occupations. Get a quote: [start a quote online](https://www.insuremyliability.com.au/compare/aged-care-worker-or-consultant#quote) or call 1800 97 98 99 (free call in Australia, +61-1800-979-899). The online form needs a web browser and is protected by reCAPTCHA, so the person should fill it in themselves. It asks for name, state, email, phone, occupation, cover limit and cover options. A broker then compares insurers and contacts them with quotes. - We aim to answer all calls within 3 seconds. - Backed by the Shielded Insurance [Price Promise](https://www.shieldedinsurance.com.au/price-promise.php). - Fast quotes: compare insurers, quick quotes, same day certificates\*, broker support. ## Aged Care Worker Or Consultant insurance As an aged care worker or consultant, you work closely with elderly and vulnerable clients in various settings, from residential facilities to in-home care. Your role involves physical assistance, personal care, and professional advice where accidents and injuries can occur unexpectedly. Public liability insurance safeguards you against claims from clients or their families if your work causes injury or property damage. Picture yourself assisting an elderly client with bathing when they slip and hit their head, requiring emergency hospitalisation. The client's family initiates legal action claiming negligence in your care procedures. Public liability insurance covers your legal defence and any awarded compensation, protecting your personal assets and career. ### Liability risks for aged care worker or consultant - A client falls while you're assisting them with mobility, resulting in serious injury and hospitalization costs - You accidentally damage a client's personal property (spectacles, hearing aids, furniture) while providing care - A client develops an infection or allergic reaction allegedly caused by your care practices ## How to get a quote 1. **Start a quote**: Fill out the quote form with your name, state, email, phone, occupation, and desired cover level. Or call us on 1800 97 98 99. 2. **Quotes gathered**: Our team of insurance professionals will procure competitive quotes from multiple leading Australian insurers. 3. **You're covered**: Choose your preferred option and receive your policy documents. Same day certificates are available. ## Why choose InsureMyLiability - **Professional**: Our team are professional and experienced in liability insurance. - **Highly Reviewed**: Shielded is an award winning insurance advisor with thousands of 5 star reviews. - **Renewal Management**: Our team will manage your renewals and keep you informed and up to date. - **24/7 Claims**: Notify of a claim 24/7 365 days a year. ## Cover options Public liability limits of $5 million, $10 million or $20 million, plus optional covers: - **$5 Million**: Protection for third party property damage or personal injury. - **$10 Million**: Protection for third party property damage or personal injury. - **$20 Million**: Protection for third party property damage or personal injury. - **Tools Cover**: Protection for your tools and equipment. - **Personal Accident**: Protect your income from injury or sickness. - **Professional Indemnity**: Protection for your professional advice. - **Cyber**: Protection against cyberattacks, data breaches and other digital risks. ## Frequently asked questions ### Do I need public liability insurance as an employed aged care worker? While many employers provide coverage for employed staff, individual policies offer personal protection beyond your employer's insurance and are essential if you work casually, contract, or plan to expand into consulting. This ensures you're protected regardless of employment status changes. ### What incidents are covered under aged care worker public liability insurance? Coverage includes accidental injuries you cause to clients (such as falls during mobility assistance), damage to client property, and allergic reactions or infections arising from your care activities. Each policy varies, so review your specific coverage with your broker. ### Can I get public liability insurance if I work both as a worker and consultant? Yes, you can obtain combined coverage that protects both your employment duties and consulting activities. Ensure your policy clearly outlines coverage for both roles to avoid gaps in protection. ### What types of Public Liability insurance are available? Public Liability insurance can cover a wide range of needs, including coverage for small business owners, medium enterprises, online retailers, tradesmen, contractors, and complex businesses. It protects against claims of property damage or personal injury that might occur as a result of your business activities. ### What factors affect my Public Liability insurance premium? Several factors can influence your Public Liability insurance premium. These include the nature and size of your business, your industry risk level, the coverage amount you select, your claims history, and any specific activities your business undertakes that may increase risk. ### How can I lower my Public Liability insurance costs? To reduce your Public Liability insurance costs, consider bundling your coverage with other types of insurance, increasing your excess, maintaining a strong safety record, and working with us to shop around for the best rates from multiple insurers. ### Who do I contact in case of a claim? If you need to make a claim, contact us or your insurer immediately to ensure that your claim is processed as smoothly and quickly as possible. ### Do I need extra cover for subcontractors? Yes, if your business involves hiring subcontractors, you may need to extend your Public Liability coverage or ensure that your subcontractors have their own insurance in place. This is crucial to protect your business from potential liabilities arising from their work. ### Does Public Liability insurance cover online retailers? Yes, Public Liability insurance can cover online retailers. It provides protection against claims from third parties for property damage or injury that might arise due to your business operations, such as faulty products or delivery issues. ### What is Complex Business Insurance? Complex Business Insurance is tailored to businesses that have more intricate risk profiles. This includes businesses with multiple locations, high-value contracts, or unique operational risks. It’s designed to provide comprehensive protection, including Public Liability, tailored to your specific needs. ### Should I consider additional covers like Cyber Liability? Yes, as business operations increasingly rely on digital platforms, Cyber Liability insurance is becoming essential. It protects against cyberattacks, data breaches, and other digital risks. This coverage complements Public Liability insurance and provides comprehensive protection for your business in today's digital world. ### Which insurers provide Public Liability insurance? We work with a range of leading insurers to offer you the best coverage options. These include companies like Zurich, QBE, Allianz, CGU, and more. The choice of insurer depends on your business type, size, and specific risk factors. We help you compare and select the best policy for your needs. ### What is the difference between Public Liability and Professional Indemnity insurance? Public Liability insurance covers claims for injury or property damage caused to third parties by your business operations. Professional Indemnity insurance, on the other hand, covers claims arising from professional advice or services that result in a client’s financial loss. Both types of insurance are important, but they protect against different risks. ### Is Public Liability insurance mandatory for my business? Public Liability insurance is not legally mandatory in most cases, but it is highly recommended. Many clients, especially in industries like construction or events, may require you to have Public Liability insurance before they will work with you. It’s also essential for protecting your business from potential claims. ### What should I do if I receive a claim against my business? If you receive a claim against your business, it’s crucial to contact your insurer or broker immediately. Provide all relevant details and documentation. Your insurer will guide you through the claims process, including investigation and settlement if necessary. Early notification can help ensure a smooth resolution. ### Does Public Liability insurance cover my employees? Public Liability insurance typically covers claims made by third parties, such as customers or members of the public, for injury or damage. It does not usually cover employees, who are covered under Workers' Compensation insurance. It’s important to have both types of coverage to fully protect your business. ### How much Public Liability insurance do I need? The amount of Public Liability insurance you need depends on your business size, industry, and risk exposure. Common coverage amounts range from $5 million to $20 million, but higher limits may be necessary for businesses with greater risk or contractual requirements. Consult with us to determine the appropriate level of coverage for your business. ## Similar occupations - [Aged Care Consultant](https://www.insuremyliability.com.au/compare/aged-care-consultant.md) - [Aged Care Consultants](https://www.insuremyliability.com.au/compare/aged-care-consultants.md) - [Aged Care Worker Consultant](https://www.insuremyliability.com.au/compare/aged-care-worker-consultant.md) - [Aged Care Entertainer](https://www.insuremyliability.com.au/compare/aged-care-entertainer.md) - [Aged Care Residential Services](https://www.insuremyliability.com.au/compare/aged-care-residential-services.md) - [Child Care Coordinator](https://www.insuremyliability.com.au/compare/child-care-coordinator.md) All occupations: [public liability insurance by occupation](https://www.insuremyliability.com.au/occupations.md). 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