Aged Care & Retirement Village Insurance

Covers legal costs and compensation if a resident, family member or visitor is injured, or property is damaged, in a communal or private space. See our public liability insurance page for how this cover works more broadly. This generally responds to accidents like slips and falls, but not to claims involving clinical advice or treatment, which sit under Professional Indemnity instead.

Covers claims of clinical negligence, care planning errors, medication mistakes or treatment errors in resident care. See our professional indemnity page for how this cover works more broadly. Nurses and other AHPRA-registered clinical staff are separately required to hold their own professional indemnity arrangements as a condition of individual registration, distinct from the facility’s own policy, and a facility’s cover doesn’t automatically extend to a contractor’s own independent advice.

A specific extension or standalone policy covering claims of physical or sexual abuse involving residents. Standard Public Liability and Professional Indemnity policies exclude this by default, and standalone abuse cover remains genuinely limited in the Australian market compared with more common liability lines, so it needs to be arranged specifically rather than assumed as included.

Covers directors’ and officers’ liability, employment practices disputes, entity cover, and costs linked to regulatory investigations such as those brought by the Aged Care Quality and Safety Commission. Older policies may only extend to formal directors rather than the broader “responsible persons” the Aged Care Act 2024 now covers, so this is worth confirming rather than assumed. D&O cover for civil penalties depends on specific policy wording and can still be affected by court decisions on public policy grounds; legal defence costs are typically covered regardless. Genuine criminal fines can never be covered under any policy, that’s a settled legal principle rather than a matter of wording.

Covers legal defence and investigation costs arising from breaches of government regulation, and in some cases civil penalties, depending on the specific legislation and policy wording. This sits alongside Management Liability rather than replacing it.

Covers the facility structure, fit-out and equipment against fire, storm and damage, plus lost income if an insured event forces a temporary closure. For retirement villages, the operator’s master policy typically covers the building and common areas, while a resident’s personal contents within their own unit sit outside it unless the resident holds separate cover.

A mandatory, state-based policy covering employees for work-related injury or illness, separate from any liability cover for claims by residents or visitors.

Covers financial and legal costs following a data breach, ransomware event or loss of digital resident and care records, increasingly relevant given how much resident information is now held electronically.