APA Member Insurance Program

Your hands are in good hands

The APA provide a high quality insurance program that represents great value for members.

The APA Member Insurance Program offers a wide range of benefits to meet your professional needs and protect your hard-earned reputation, including:

• $20,000,000 limit of indemnity per claim for Professional Indemnity, Public and Products Liability
• $2,000,000 additional cover to support inquiries and investigations relating to allegations of abuse
• a policy that is underwritten by Lloyds of London and is fully AHPRA-compliant
• access to data driven risk management resources and tools
• access to competitive personal and business insurance products

Beyond a professional indemnity insurance policy, members who require additional insurance products, including for their businesses, will be able to purchase them within minutes through a sophisticated and secure online platform.

Increased evidence-based practice risk resources will also be created and published. This data-driven material will help to reduce practice risk by affording members greater insight into emerging trends both in Australia and across other jurisdictions, particularly Canada.

APA members will also have exclusive access to an experienced insurance and claims service and specialist legal support.

New in 2019 - boundary violation coverage

We recognise your professional landscape is shifting. Global trends, in our profession and others, have shown us that the likelihood of an allegation of sexual misconduct against professionals like you is on the rise.

Such allegations can cause significant distress and financial hardship. The APA is committed to supporting members who inadvertently find themselves in the midst of such allegations.

We are proud to announce a significant improvement to our APA Insurance cover in response to these developments. APA Insurance will now provide members with $2 million additional cover to support inquiries and investigations relating to allegations of abuse, including sexual misconduct.

This is an excellent level of cover, above industry standard, at no additional cost to you.

Meet BMS

BMS is a global Lloyd’s broker, and the largest majority employee-owned insurance business in the London market. BMS has teams in Australia and Canada specialising in providing insurance cover and value-added services to associations and their members.

BMS’s Australian and Canadian teams provide coverage and additional services to more than 400,000 healthcare and regulated professionals through 60+ associations, including over 12,000 members of the Canadian Physiotherapy Association.

Additional cover

Looking to purchase additional insurance cover? Log in and click below to access our new member-only online self-service insurance platform that allows you to purchase additional insurance cover anytime, anywhere from our official insurance broker partner, BMS Risk Solutions.

If you are currently a part of the APA Member Insurance Program, coverage is already provided for professional indemnity, public liability and products liability. You can now purchase additional insurance cover including business, cyber, personal accident as well as business entity insurance that protects all health practitioners operating in your organisation—including non-physiotherapist—in a convenient and hassle-free manner.

BMS Risk Solutions – additional cover

Insurance policy documentation

To assist in your enquiry, APA has provided a number of documents. Just click on the links below to download your files.

Not a member? Join or renew now