Insurance and document requirements
Your requirements
Select your service and business structure. We’ll show your insurance minimums and document checklist.
What's the difference between PL and PI insurance?
Public Liability (PL)
Covers: Injury to people or damage to property caused by your work.
If a client trips over your equipment, or you damage their furniture, PL covers the claim.
Every supplier needs PL. No exceptions.
Professional Indemnity (PI)
Covers: Harm caused by your professional advice, assessments, or treatment decisions.
If your treatment plan or clinical recommendation leads to harm, PI covers the claim.
Required if your work involves professional judgement. Not required for task-based services (cleaning, mowing, transport).
Do I need Workers Compensation insurance?
Workers Compensation (WorkCover)
Covers: Injury or illness sustained by your employees while working.
If one of your staff is injured while delivering services to a Trilogy Care client, Workers Compensation covers their medical costs, lost wages, and rehabilitation.
Required if you have employees. Not required for sole traders with no employees.
When is it required?
- You employ one or more people (full-time, part-time, or casual)
- This applies regardless of your service category
- It is a legal requirement in all Australian states and territories
Sole traders and organisations using only independent contractors (no employees) do not need Workers Compensation.
What must your Certificate of Currency show?
Even if your coverage amount is correct, your certificate can be rejected if it’s missing details. Check these six things before uploading.
- 1Insurer name visibleMust be a recognised Australian insurer or Lloyd's syndicate.
- 2Says "Public Liability" or "Professional Indemnity" explicitlyA generic "Business Insurance" certificate that doesn't break out PL/PI separately won't be accepted.
- 3Coverage amount meets the minimum for your categoryA $5M policy when $10M is required will be rejected. Use the tool above to confirm your minimum.
- 4Your legal name and ABN match your portal registrationIf you trade under a different name, the legal entity must still appear on the certificate.
- 5Expiry date is in the futureExpired certificates are rejected outright. Those expiring within 14 days will be flagged.
- 6Scope covers aged care / in-home servicesA policy that excludes aged care or your profession won't be accepted, even if the dollar amount is right.
Most common rejection reasons: coverage too low, ABN mismatch, certificate expired, incorrect document provided (e.g. quote or invoice instead of certificate), scope excludes aged care, file is illegible or cropped.
Examples
Sole trader cleaner, no employees
Domestic Assistance → Everyday Living
Physio practice with 4 employees
Physiotherapy → Clinical & Regulated, Organisation – With Employees
Sole trader remedial massage, no employees
Remedial Massage → Therapeutic & Wellbeing
Full requirements matrix
The complete matrix. Useful if you want to forward this to your insurance broker.
Insurance coverage by category & structure
| Provider Structure | PL | PI | Workers Comp |
|---|---|---|---|
| Everyday Living | |||
| Sole Trader – No Employees | $5M | — | No |
| Sole Trader – With Employees | $10M | — | Yes |
| Organisation – No Employees | $10M | — | No |
| Organisation – With Employees | $20M | — | Yes |
| Independence (Personal Care, Respite, Allied Health Assistant) | |||
| Sole Trader – No Employees | $10M | $5M | No |
| Sole Trader – With Employees | $20M | $10M | Yes |
| Organisation – No Employees | $20M | $5M | No |
| Organisation – With Employees | $20M | $10M | Yes |
| Therapeutic & Wellbeing | |||
| Sole Trader – No Employees | $10M | $5M | No |
| Sole Trader – With Employees | $20M | $5M | Yes |
| Organisation – No Employees | $20M | $5M | No |
| Organisation – With Employees | $20M | $10M | Yes |
| Clinical & Regulated | |||
| Sole Trader – No Employees | $20M | $10M | No |
| Sole Trader – With Employees | $20M | $10M | Yes |
| Organisation – No Employees | $20M | $10M | No |
| Organisation – With Employees | $20M | $10M | Yes |
| Product Suppliers (General Products, Assistive Technology) | |||
| All structures | General & Products Liability: $10M | — | If employees |
Document checklist by category
| Document | Clinical | Independence (Personal Care) | Independence (Social/Transport) | Everyday Living |
|---|---|---|---|---|
| Police Check / NDIS Screening | Required | Required | Required * | Required |
| Public Liability | Required | Required | Required | Required |
| Professional Indemnity | Required | Required | Therapeutic only | — |
| Workers Comp | If employees | If employees | If employees | If employees |
| Driver's Licence / Rego / Car Insurance † | — | — | Transport – Direct | — |
| Cert III Aged Care † | — | Required | — | — |
| AHPRA Registration † | Required | — | — | — |
| Other Registration † | Non-AHPRA professions | — | Massage, therapy | — |
| Third Party Contractor Agreement (template) | Required | Required | Required | Required |
| AP Agreement | Organisations only | Organisations only | Organisations only | Organisations only |
* Police Check not required for AT product-only suppliers or Indirect Transport (voucher) suppliers.
† Individual qualifications, registrations, and licences are not required from organisations with employees. These are the organisation’s responsibility to verify for their workers.
Not sure? Ask us
If your situation doesn’t clearly fit the options above, contact us before purchasing insurance. We’d rather help you get it right now than reject your documents later.
Email: [email protected]
Phone: 1300 459 190 (Mon-Fri, 8:30am-5:00pm AEST. Ask for Compliance)
This is onboarding guidance only, not insurance advice. Confirm requirements with your insurer and with our Compliance Team.
