Rapid growth is raising the disability sector's risk profile and driving the requirement for management, policy, practices and procedures to keep pace with increased exposures. At the same time changes in the insurance funding model from the public to the private sector increase the risk of gaps in cover.

In the H1 2022 edition of the Business Insurance and Risk Market update report we examine how key trends are combining to challenge obtaining insurance cover for the sector, including

  • concerns about Royal Commission findings
  • the need for risk management to match expansion
  • COVID-19 considerations such as PPE
  • allowing sufficient insurance renewal lead time.

The complex nature of disability sector insurance needs calls for early analysis of critical factors that could potentially affect risk exposures and forward planning to obtain a comprehensive solution.

Other topics covered include:

  • Placement — why making a case for cover to local insurers is important.
  • Claims — the impacts of weather events on supply chain delays and claims inflation
  • Directors and officers' liability — new capacity brings lower premiums but also risks for the unwary.
  • Environmental, social responsibility and governance (ESG) — with an increased focus on ethical business practice insurers are scrutinising accountability.
  • Cyber security — how businesses need to meet the escalation of the risk environment
  • Regional Australia — why the regional construction sector is facing crisis.

Download the report to learn more

Looking for business risk and insurance advice?

During this time of change you can turn to our Gallagher experts for advice and guidance. We are here for you and will do everything we can to help you face the future with confidence.

Connect with an Expert


Gallagher provides insurance, risk management and benefits consulting services for clients in response to both known and unknown risk exposures. When providing analysis and recommendations regarding potential insurance coverage, potential claims and/or operational strategy in response to national emergencies (including health crises), we do so from an insurance and/or risk management perspective, and offer broad information about risk mitigation, loss control strategy and potential claim exposures. We have prepared this commentary and other news alerts for general information purposes only and the material is not intended to be, nor should it be interpreted as, legal or client-specific risk management advice. General insurance descriptions contained herein do not include complete insurance policy definitions, terms and/or conditions, and should not be relied on for coverage interpretation. The information may not include current governmental or insurance developments, is provided without knowledge of the individual recipient's industry or specific business or coverage circumstances, and in no way reflects or promises to provide insurance coverage outcomes that only insurance carriers' control.

Gallagher publications may contain links to non-Gallagher websites that are created and controlled by other organisations. We claim no responsibility for the content of any linked website, or any link contained therein. The inclusion of any link does not imply endorsement by Gallagher, as we have no responsibility for information referenced in material owned and controlled by other parties. Gallagher strongly encourages you to review any separate terms of use and privacy policies governing use of these third party websites and resources.

Insurance brokerage and related services to be provided by Arthur J. Gallagher & Co (Aus) Limited (ABN 34 005 543 920). Australian Financial Services License (AFSL) No. 238312