Written by Jack Porter - Assistant Underwriter – Casualty

PROTECTION FOR NDIS & AGED CARE PROVIDERS

Delivering care and support to vulnerable communities comes with immense responsibility. NDIS and Aged Care providers operate in a highly regulated environment where participant safety, governance standards, and operational accountability are paramount.

Fairlight’s Community Care Combined Liability Policy has been purpose-built to respond to these exposures — providing structured liability protection so they can focus on delivering quality care and support.

PROTECTION ACROSS CORE OPERATIONAL RISKS

Our policy is designed to indemnify organisations for sums insureds become legally liable to pay as compensation arising from:

· Personal Injury to participants or third parties

· Property Damage connected to your operations

· Advertising Liability exposures

· Incidents occurring in connection with your professional business activities

Limits of Liability apply per occurrence and in the aggregate as specified in your Schedule, ensuring clarity and certainty around protection.

REGULATORY & INQUIRY SUPPORT

NDIS and Aged Care providers face ongoing regulatory oversight.

The Policy includes cover for Inquiry Costs, assisting with legal and expert expenses incurred in preparing for and attending formal hearings or investigations, when first notified during the Period of Insurance

Importantly, “Loss” under the Policy includes Compensation, Settlements, Claim Expenses and Inquiry Costs — ensuring structured support when responding to regulatory action.

PRIVACY & CONFIDENTIALITY

Cover extends to unintentional breaches of confidentiality and privacy legislation, including attendance before relevant tribunals or commissioners — an important safeguard when managing sensitive participant information.

BUILT FOR THE COMMUNITY CARE SECTOR

Fairlight understands that NDIS and Aged Care providers require:

· Clear policy wording

· Defined limits and structured deductibles

· Certainty around covered exposures

· Responsive claims management

· A long-term underwriting partner

PROTECTION FOR NDIS & AGED CARE PROVIDERS