Aged Care Facilities
Aged Care Facilities
Aged care facilities provide essential health, housing, and personal support services to some of the most vulnerable members of our community. With high levels of regulatory oversight and daily resident interaction, these facilities face risks related to public liability, staff conduct, medical incidents, equipment failure, and reputational harm.
At Angelic Insurance, we provide general advice to help aged care operators explore insurance options such as public liability, professional indemnity, management liability, property and equipment cover, and cyber liability. We compare policies from trusted Australian insurers to help ensure your cover supports safe, compliant, and continuous care.
Whether you manage a residential aged care home, respite centre, dementia care unit, or in-home aged care service, we help you review options that protect residents, staff, and your facility’s reputation.
Why Choose Angelic Insurance?
Aged care providers require coverage that reflects the legal, ethical, and operational standards of the care industry. Here’s how Angelic Insurance supports your facility:
Cover for Residential, Respite, and Community Care
We assist small independent homes, multi-site operators, and in-home care services in reviewing insurance suited to their service model and resident needs.
Public and Professional Liability for Resident Safety
We help you explore liability insurance for incidents involving falls, medication errors, or property damage protecting your team and the people in your care.
Protection for Medical and Support Equipment
We assist in reviewing cover for essential aged care assets such as hospital beds, mobility aids, medical devices, and kitchen or laundry infrastructure.
Cyber and Privacy Risk Support
Aged care providers handle sensitive health and identity data. Cyber liability insurance helps cover the cost of data breaches and response measures.
Claims and Documentation Support
We provide timely Certificates of Currency and help you stay compliant with aged care quality standards, funding requirements, and accreditation obligations.
Industry Challenges
The aged care sector is highly regulated and emotionally sensitive. Without appropriate insurance, your organisation may face:
Resident Injury or Medical Claims
Accidents, medication errors, or allegations of neglect can result in serious claims. Liability and indemnity insurance help cover legal and compensation costs.
Reputational Damage or Complaints
Even unfounded allegations of poor care or misconduct can lead to investigations. Management liability insurance helps protect leadership and governance.
Equipment Malfunction or Property Loss
Loss of critical aged care equipment due to fire, water damage, or theft can disrupt operations. Insurance helps fund fast replacement.
Data Breaches Involving Health Records
Stolen or compromised data can affect resident trust and lead to regulatory penalties. Cyber insurance supports breach notification and recovery.
Staffing and Workplace Disputes
Claims of unfair dismissal, bullying, or mismanagement can arise in care settings. Management liability helps protect your leadership team from HR-related risks.
Frequently Asked Questions
Coverage includes property, liability, and medical malpractice.
Yes, through Workers' Compensation Insurance.
Yes, Professional Indemnity Insurance is available.
Yes, Public Liability Insurance covers visitor injuries and property damage.
Yes, Machinery Breakdown Insurance applies.
Yes, tailored Business Interruption Insurance is provided.
Yes, personal property coverage can be added.
Angelic Insights
