Choosing the right insurance broker for your aged care facility isn’t just a procedural step — it’s a critical decision that can affect your financial stability, compliance, and duty of care. Aged care providers face sector-specific risks, and it’s essential to partner with insurance professionals who understand those risks deeply. That’s where Atlantic Insurance comes in.
Why Aged Care Facilities Need Specialised Insurance
Aged care providers are responsible for the well-being of vulnerable individuals in a highly regulated environment. The risks include incidents affecting residents, workplace injuries, allegations of negligence, data breaches, and property damage.
An insurance broker experienced in aged care, such as Atlantic Insurance, can structure policies that offer the right protection, ensuring continuity of operations and regulatory compliance.
Key Risks in Aged Care
Common risks faced by aged care operators include:
- Slips, trips, and falls involving residents or visitors
- Staff injuries and workers’ compensation claims
- Legal action due to alleged negligence or service failures
- Damage to property and facilities due to fire, water damage or flood
- Data breaches affecting confidential resident records
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These risks demand comprehensive insurance solutions designed with aged care settings in mind.
What to Look for in an Aged Care Insurance Broker
Industry Experience
Brokers who specialise in aged care understand compliance standards, risk exposure, and operational realities. Atlantic Insurance has a strong track record supporting aged care providers across Australia, giving you peace of mind that your insurance aligns with sector expectations.
Customised Insurance Programs
Generic policies may not cover the full scope of aged care risks. The team at Atlantic Insurance provides tailored packages that can include:
- Public liability
- Professional indemnity / Medical Malpractice
- Business interruption
- Property and equipment cover
- Workers’ compensation
- Cyber liability
- Management liability
- Fidelity
- Commercial Motor for your Facility Bus’s and Vehicles
- Landlords Insurance
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We take the time to understand your facility’s risk profile and deliver policies that match your needs, not just minimum requirements.
Support with Risk Management
Aged care insurance is not just about reacting to claims — it’s also about preventing them. Atlantic Insurance offers proactive advice and works closely with clients to identify exposures and implement practical improvements that reduce the likelihood of incidents.
Claims Management
In the event of a claim, Atlantic Insurance acts as your advocate — liaising directly with insurers, negotiating on your behalf, and guiding you through the process with care and efficiency. Our goal is to minimise disruption and ensure the fairest possible resolution.
Essential Insurance Types for Aged Care Providers
Public Liability Insurance
Protects against claims where third parties suffer injury or property damage on your premises. It’s especially critical in high foot-traffic environments such as residential aged care homes.
Professional Indemnity Insurance / Medical Malpractice
This provides cover if a resident or family member alleges negligence in the delivery of care or advice. It is essential for facilities providing healthcare or allied services.
Property and Equipment Cover
Covers damage or loss of buildings, furnishings, and specialist equipment caused by insured events like fire, storm or theft.
Business Interruption Insurance
This insurance helps cover loss of income and operating costs if your facility is forced to shut or scale down operations due to an insured event.
Workers' Compensation
Mandatory in all states and territories for businesses that employ staff. It covers employee injuries and related medical expenses.
Cyber Liability Insurance
Data security is critical in aged care. Cyber liability insurance helps manage the cost and fallout of data breaches, cyber-attacks, or loss of digital records.
Why Work with Atlantic Insurance?
Atlantic Insurance is a trusted Australian brokerage that understands the operational and reputational pressures faced by aged care providers. With decades of experience and access to a wide range of insurers, our team offers tailored insurance advice backed by industry insight.
We’re more than just policy arrangers — we’re dedicated client advocates who support your facility from policy design through to claim resolution.
Whether you’re an independent residential facility or part of a national aged care group, Atlantic Insurance will help you secure the coverage you need to operate with confidence.
Speak with an Aged Care Insurance Specialist
When it comes to insurance for aged care providers, a general broker won’t do. You need a team that understands your risks, your regulations, and your responsibilities.
Contact Atlantic Insurance today to speak with a specialist who can tailor cover for your facility, manage your exposures, and support you through the claims process.
Any information contained on this page of the website is general advice only and has been prepared without taking into account your objectives, financial situation or needs. You should consider these, having regard to the appropriateness of this advice and the relevant Product Disclosure Statement (‘PDS’), Target Market Determination (‘TMD’) and Financial Services Guide (‘FSG’), which will be provided following any formal recommendation to you.