Protection that supports quality care

Safeguard residents, staff, and your balance sheet while meeting regulatory standards.

4.9/5 Customer Ratings

Get Quote Now Book Call Now

Compare & Choose

Save Valuable Time

Affordable Protection

Aged Care Facility

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.

Comprehensive Protection

Protect people, property, and cash flow

Risk Management

Identify and mitigate business risks

Expert Support

Professional guidance from experienced brokers

Compliance Ready

Meet legal and contractual requirements

Get Quote Now Book Call Now

Main Problems/Challenges Aged Care Facilities Face and How We Help Solve Them.

Aged care providers face growing operational and regulatory pressures. From managing staff safety and protecting vulnerable residents to meeting strict compliance standards, risk management is now more essential than ever.

The Problem

Incidents involving residents, visitors, or contractors can result in third-party injury or property damage claims. Even when your facility follows best practices, legal defense and settlement costs can be substantial.

Our Solution

We provide Public Liability cover options designed to support your business in managing legal defense expenses and compensation costs that may arise from third-party claims. This allows your organisation to operate with confidence while maintaining focus on delivering quality care.

The Problem

Aged care staff often work in physically demanding environments, increasing the risk of workplace injuries. Manual handling, slips, or exposure to illness can lead to costly workers’ compensation claims and reduced workforce availability.

Our Solution

Our tailored Workers Compensation and Management Liability solutions help protect your business from the financial strain of employee-related claims, while promoting safer working environments through proactive risk management.

The Problem

Aged care facilities manage sensitive health and personal information. A data breach—whether from cybercrime or accidental disclosure—can result in regulatory fines, reputation damage, and loss of trust among residents and families.

Our Solution

We offer Cyber Liability solutions that assist in covering costs related to data breaches, including investigation, notification, and recovery. This ensures that your facility can respond swiftly and responsibly to protect both residents and your reputation.

The Problem

Fire, water damage, or equipment breakdown can disrupt operations, placing residents’ wellbeing and your financial stability at risk. Repairs and downtime can lead to significant financial loss.

Our Solution

Our Property and Business Interruption Insurance options help your facility recover quickly by covering repair costs and lost income during periods of closure or reduced operation. This support helps maintain continuity of care and financial resilience.

The Problem

Providing personal care and medical services carries professional risk. Allegations of negligence or errors in care, even if unfounded, can result in legal expenses and reputational harm.

Our Solution

We provide Professional Indemnity coverage options that assist with legal defense costs and settlements arising from alleged errors or omissions in professional services. This ensures your business is protected while upholding your duty of care.

Why Do Aged Care Facilities Need Insurance Cover?

Aged care facilities face daily risks like staff injuries, property damage, or resident claims. Insurance keeps your facility protected, compliant, and ready for anything unexpected.

Resident Injury Claims

Covers claims if a resident is injured on-site.

Covers medical costs
Protects facility reputation
Handles legal claims

Staff Accidents Or Illness

Supports employees injured or unwell at work.

Covers medical bills
Replaces lost wages
Supports safe recovery

Property Damage Protection

Safeguards your buildings and essential equipment.

Covers fire damage
Repairs facility assets
Protects daily operations

Visitor Liability Protection

Covers accidents involving family or guests.

Handles visitor claims
Covers legal defence
Maintains public trust

Business Interruption Support

Keeps operations stable during unexpected closures.

Protects lost income
Supports recovery plans
Keeps care continuous

Equipment Breakdown Cover

Protects critical care and facility machinery.

Repairs damaged equipment
Covers replacement costs
Prevents service delays

Cyber Data Protection

Safeguards private resident and staff information.

Protects sensitive data
Covers cyber losses
Restores system access

Management Legal Protection

Covers legal costs for directors and management.

Defends legal claims
Covers compliance breaches
Protects decision makers

Professional Care Mistakes

Protects against errors in resident care or advice.

Covers legal costs
Handles compensation claims
Protects staff reputation

Get Quote Now Book Call Now

Expert Assessment

Competitive Rates

24/7 Support

Start Quote

Why Do Aged Care Facilities Need Insurance Cover?

Aged care facilities face daily risks like staff injuries, property damage, or resident claims. Insurance keeps your facility protected, compliant, and ready for anything unexpected.

Resident Injury Claims

Covers claims if a resident is injured on-site.

Key Features:

Covers medical costs
Protects facility reputation
Handles legal claims

Staff Accidents Or Illness

Supports employees injured or unwell at work.

Key Features:

Covers medical bills
Replaces lost wages
Supports safe recovery

Property Damage Protection

Safeguards your buildings and essential equipment.

Key Features:

Covers fire damage
Repairs facility assets
Protects daily operations

Visitor Liability Protection

Covers accidents involving family or guests.

Key Features:

Handles visitor claims
Covers legal defence
Maintains public trust

Business Interruption Support

Keeps operations stable during unexpected closures.

Key Features:

Protects lost income
Supports recovery plans
Keeps care continuous

Equipment Breakdown Cover

Protects critical care and facility machinery.

Key Features:

Repairs damaged equipment
Covers replacement costs
Prevents service delays

Cyber Data Protection

Safeguards private resident and staff information.

Key Features:

Protects sensitive data
Covers cyber losses
Restores system access

Management Legal Protection

Covers legal costs for directors and management.

Key Features:

Defends legal claims
Covers compliance breaches
Protects decision makers

Professional Care Mistakes

Protects against errors in resident care or advice.

Key Features:

Covers legal costs
Handles compensation claims
Protects staff reputation

Get Instant Quote

What Type Of Cover Do Aged Care Facilities Need?

Comprehensive protection tailored to the unique needs of aged care facilities

Public Liability Insurance: Key Features

Essential

Third-Party Injury Protection

Covers medical costs and compensation if a third party is injured due to your business activities.
Third-Party Injury Protection

Covers medical costs and compensation if a third party is injured due to your business activities.
Third-Party Injury Protection

Covers medical costs and compensation if a third party is injured due to your business activities.
Third-Party Injury Protection

Covers medical costs and compensation if a third party is injured due to your business activities.
Third-Party Injury Protection

Covers medical costs and compensation if a third party is injured due to your business activities.
Third-Party Injury Protection

Covers medical costs and compensation if a third party is injured due to your business activities.
Third-Party Injury Protection

Covers medical costs and compensation if a third party is injured due to your business activities.

Get Quote Now

Learn More

Product Liability Insurance: Key Features

Third-Party Injury Protection

Covers medical costs and compensation if a third party is injured due to your business activities.
Third-Party Injury Protection

Covers medical costs and compensation if a third party is injured due to your business activities.
Third-Party Injury Protection

Covers medical costs and compensation if a third party is injured due to your business activities.
Third-Party Injury Protection

Covers medical costs and compensation if a third party is injured due to your business activities.
Third-Party Injury Protection

Covers medical costs and compensation if a third party is injured due to your business activities.
Third-Party Injury Protection

Covers medical costs and compensation if a third party is injured due to your business activities.
Third-Party Injury Protection

Covers medical costs and compensation if a third party is injured due to your business activities.
Third-Party Injury Protection

Covers medical costs and compensation if a third party is injured due to your business activities.
Third-Party Injury Protection

Covers medical costs and compensation if a third party is injured due to your business activities.
Third-Party Injury Protection

Covers medical costs and compensation if a third party is injured due to your business activities.
Third-Party Injury Protection

Covers medical costs and compensation if a third party is injured due to your business activities.
Third-Party Injury Protection

Covers medical costs and compensation if a third party is injured due to your business activities.

Get Quote Now

Learn More

Professional Indeminity Insurance: Key Features

Third-Party Injury Protection

Covers medical costs and compensation if a third party is injured due to your business activities.
Third-Party Injury Protection

Covers medical costs and compensation if a third party is injured due to your business activities.
Third-Party Injury Protection

Covers medical costs and compensation if a third party is injured due to your business activities.
Third-Party Injury Protection

Covers medical costs and compensation if a third party is injured due to your business activities.

Get Quote Now

Learn More

How we work

Our proven six-step process ensures you get the right coverage at the right price

Discovery and risk mapping

We review your care model, resident acuity, incidents and claims, compliance findings, staffing mix, and maintenance regimes.

Underwriting pack

We prepare accurate data and highlight risk improvements already in place.

Market approach and negotiation

We approach suitable Australian insurers and specialist agencies, negotiate wording improvements and sub limits, and target total cost of risk savings.

Clear comparison and recommendations

You receive a side by side comparison with premiums, deductibles, inclusions, exclusions, and recommendations.

Placement and onboarding

We place cover, issue certificates, and brief your team on notification procedures.

Market approach and negotiation

We approach suitable Australian insurers and specialist agencies, negotiate wording improvements and sub limits, and target total cost of risk savings.

Get Quote Now Book Call Now

Why More Australians Are Switching To
Angelic Insurance?

At Angelic Insurance, we prioritise clarity and honesty. Our communications avoid jargon and "fine print traps," giving clients peace of mind that they fully understand their coverage. This builds credibility, an essential differentiator in a crowded insurance market.

Our track record speaks for itself

300+

Insurance Providers

States and Territories

957+

Referral Partners

Risk Mapping & Analysis

We map your operational risks to specific policy clauses, not just headings.

Detailed risk assessment

Policy clause mapping

Gap analysis

Benchmarking & Optimisation

We benchmark limits and sub-limits against contracts and catastrophe scenarios.

Market benchmarking

Coverage optimization

Cost analysis

Expert Support & Coordination

We coordinate valuations, BI worksheets, and claims-readiness plans.

Broker coordination

Claims support

Documentation help

Clear Communication

We explain what is and is not covered in clear language and document assumptions.

Plain language explanations

Documented assumptions

Regular reviews

Get Quote Now Book Call Now