Aged care charities, rest homes run by trusts, and not-for-profit retirement village operators face some of the most complex insurance requirements in the sector. Resident welfare, professional care standards, property complexity, and governance liability all come together — requiring specialist brokers who understand the space.
✍️ The CharityInsurance Crew — your friendly insurance geeks · Updated May 2026
Key Risks for Aged Care
Resident injury or neglect claims
Professional care liability
D&O liability for trust or board governance
Large property and facilities replacement costs
Employment disputes with care staff
Statutory breaches under the Health and Disability Commissioner Act
Recommended Cover for Aged Care
Professional Indemnity / Malpractice
D&O / Trustee Liability
Public Liability
Property & Buildings
Employers Liability
Statutory Liability
Cyber Insurance
Cover requirements vary by organisation size and activities. A broker will tailor the right mix.
How Claims Work
Contact Your Insurer First
In any incident, your first call should always be to your insurer — not your broker, not your lawyer. They activate the response.
Broker Advocates for You
Your broker steps in to manage communication, paperwork, and timelines on your behalf throughout the claims process.
Assessment & Investigation
The insurer assesses the claim. For liability claims this may include legal investigation; for property claims, a loss adjuster.
Settlement & Recovery
Once the claim is assessed and agreed, payment is made. Your broker follows up until the matter is fully resolved.
650+
Aged care facilities in NZ
40,000+
Aged care workers
Complex
Risk profile requires specialist brokers