APA Member Insurance
As a physiotherapist, you spend your career looking after others. APA Member Insurance is here to help look after you when the unexpected happens.
For eligible APA membership categories, comprehensive Professional Indemnity and Public & Products Liability insurance is included as part of your membership, with cover designed specifically for physiotherapists.
Wherever your physiotherapy career takes you, with the APA, you receive the protection and support needed to practice at your best.
Why choose APA Member Insurance?
An APA membership with APA Member Insurance* (Professional Indemnity and Public & Products Liability Insurance) represents great value and offers a wide range of benefits to meet your professional needs and protect your hard-earned reputation.
When you choose a membership category that includes APA Member Insurance, your membership fee includes individual Professional Indemnity and Public & Products Liability cover, which offers these features:
- $20,000,000 limit of indemnity per claim for Professional Indemnity and $40,000,00 in the aggregate
- $20,000,000 limit of indemnity per claim for Public Liability and unlimited in the aggregate
- $20,000,000 limit of indemnity per claim for Products Liability and $40,000,00 in the aggregate
- $100,000 additional cover to support inquiries and investigations relating to allegations of abuse, including sexual misconduct
- run-off cover when you retire
- cover for Telehealth (if within your scope of practice)
- worldwide cover for territorial limits
- worldwide cover (excluding USA for jurisdictional limits)
- exclusive access to an experienced insurance and claims service and specialist legal support
For the complete list of cover and sub-limits, download the full policy wording (PDF).
Your hands are in good hands
| Ahpra Compliant | Professional Indemnity up to $20m |
| exceeds your professional indemnity insurance obligations for registration with the Physiotherapy Board of Australia | for any one claim and $40m in the aggregate inclusive of costs and expenses |
| Public & Products Liability up to $20m | Boundary violation up to $100k |
| for any one claim, and unlimited in the aggregate inclusive of costs and expenses | for any one claim, and in the aggregate inclusive of all costs and expenses |
| Telehealth | Worldwide cover |
| Automatically included for all in scope practices | (excludes USA for jurisdictional limits) |
| Animal Physiotherapy up to $20m | + MORE |
| for any one claim, and $20m in the aggregate inclusive of costs and expenses | Please review the policy documentation for a complete list of cover and sub-limits |
Reviewed annually for complete piece of mind
Every year the APA reviews the APA PIPPL Insurance to ensure relevance and value. Changes are based on claim trends, cost environment and coverage needs.
When renewing your membership, it’s important that you review any updates to the APA PIPPL Insurance and consider whether an insured membership category or an uninsured category (with your own sourced insurance) best suits your needs.
Do you own a practice? You may also need Entity Insurance
APA Member Insurance covers you as an individual physiotherapist, but your practice is a separate legal entity and may need its own insurance protection.
If a complaint or legal claim is made about treatment provided through your practice, it is possible for both the treating physiotherapist and the practice itself to be named in the claim. Your individual APA Member Insurance responds to your liability as the physiotherapist, but it does not automatically provide cover for the separate liability of your practice or business entity.
Entity Insurance provides that additional protection for the practice, helping ensure the business is appropriately covered if it is named in a claim.
The below table explains how you can get cover that meets your needs.
| I am a | How to get cover |
| Sole trader with no employees | The APA Member Insurance, included in many membership types, covers you as an individual. As a sole trader, you may apply for Entity Insurance under the APA Member Insurance policy, to protect your practice with no additional premium payable. To discuss your insurance requirements and arrange a quotation, visit Aon's dedicated APA member page. |
| Practice owner with employees | As a practice owner with employees, your individual APA Member Insurance does not provide cover for your practice in this instance. You may require an Entity Insurance policy. The premium will be assessed based on your individual practice circumstances. |
Insurance for internationally qualified members
Have you, since 1 January 2023, gained Australian registration as a physiotherapist via the Trans-Tasman Mutual Recognition Agreement (TT-MRA) as a New Zealand Registered Physiotherapist and obtained your New Zealand registration based on Health and Care Professions Council (HCPC) registration in the United Kingdom? If so, you will need to meet at least one of the following additional criteria to be eligible for membership with insurance:
- Complete any of the Australian Physiotherapy Council’s assessment pathways and receive your Final Certificate (or equivalent): or
- Have a minimum of two years’ experience practising as a physiotherapist in Australia, New Zealand or the United Kingdom without any complaints or claims made against you; or
- Have been awarded a physiotherapy degree from any of the following countries: Australia, New Zealand, United Kingdom, Ireland and Canada.
If you have any questions or would like to talk to our Member Support Team, you can email info@australian.physio or call us on 1300 306 622.
Premiums
Members can elect either an insured or non-insured membership category. View the membership categories that include insurance.
For all insured categories of membership, APA purchases a master policy that provides professional indemnity and public & products liability insurance for members for the coming insurance period. The premium for APA PIPPL Insurance is included in the membership fee for the insured categories of APA membership.
Select your residential state to view an outline of the insurance premium breakdown, including all government fees and charges.
| Item | Full Time Private | Part Time Private |
| Premium | $394.82 | $236.90 |
| Premium GST | $39.48 | $23.69 |
| Stamp Duty (0%) | $0.00 | $0.00 |
| Total | $434.30 | $260.59 |
| Item | Full Time Private | Part Time Private |
| Premium | $394.82 | $236.90 |
| Premium GST | $39.48 | $23.69 |
| Stamp Duty (9%) | $39.09 | $23.45 |
| Total | $473.39 | $284.04 |
| Item | Full Time Private | Part Time Private |
| Premium | $394.82 | $236.90 |
| Premium GST | $39.48 | $23.69 |
| Stamp Duty (11%) | $47.77 | $28.66 |
| Total | $482.08 | $289.25 |
| Item | Full Time Private | Part Time Private |
| Premium | $394.82 | $236.90 |
| Premium GST | $39.48 | $23.69 |
| Stamp Duty (8%) | $30.40 | $18.24 |
| Total | $464.71 | $278.83 |
| Item | Full Time Private | Part Time Private |
| Premium | $394.82 | $236.90 |
| Premium GST | $39.48 | $23.69 |
| Stamp Duty (10%) | $43.43 | $26.06 |
| Total | $477.74 | $286.64 |
About the APA's broker
BMS Risk Solutions Pty Ltd (BMS) is APA's broker until 16 December 2026.
For any questions about your APA Member Insurance BMS until 16 December, please contact BMS on 1800 931 068 or via apa@bmsgroup.com.
From 17 December 2026, the APA is pleased to announce that Aon will become the APA’s new insurance broker.
Insurance policy documentation
To assist in your enquiry, APA has provided a number of documents. Click on the links below to download your files.
2025-26 APA Member Insurance Policy (PDF)
2024-25 APA Member Insurance Policy (PDF)
2023-24 APA Member Insurance Policy (PDF)
2022-23 APA Member Insurance Policy (PDF)
2021-22 APA Member Insurance Policy (PDF)
APA Member Insurance FAQs (PDF)
Changes to insurance cover (APA webpage)
BMS Terms of Engagement including Financial Services Guide (website)
Aon Terms of Business including Financial Services Guide (PDF)
Not an APA member? Join or renew now
Disclaimer
* ‘APA Member Insurance’ refers to Professional Indemnity and Public & Products Liability Insurance that provides cover for an individual.
You must be a current Australian Physiotherapy Association (APA) member to be eligible to register for the APA Member Insurance. You must maintain active APA Member Insurance in order to access additional cover. If your membership ceases you will not be offered renewal when your policy expires.
On or before 16 December 2026 – BMS
In offering this insurance to our members APA is a distributor of BMS Risk Solutions Pty Ltd (BMS) AFSL 461594, ABN 45161187980. The insurance is issued by BMS under authority with the insurer. When acting under this authority BMS acts as agent for the insurer and not as your agent. This is general advice only and BMS has not considered whether it was suitable for your personal circumstances, current objectives, needs or financial situation. Please read the Policy Wording and the BMS Terms of Engagement which contains the Financial Services Guide before making a decision about purchasing this policy. There is a Target Market Determination for the Personal Accident policy. As a distributor, APA may receive a percentage of the commission paid to BMS by the insurer and/or a fee per policy in offering this insurance to members. APA receives an annual payment from BMS which is used for insurance related marketing and professional development activities to support our members.
On or after 17 December 2026 – Aon
In offering this insurance to our members, APA has appointed Aon Risk Services Australia Limited ABN 17 000 434 720 AFSL241141 (Aon) as its broker. The insurance is issued by on behalf of AAI Limited ABN 48 005 297 807 trading as Vero Insurance (the insurer). This is general advice only and Aon has not considered whether it was suitable for your personal circumstances, current objectives, needs or financial situation. Please read the Policy Wording and the Aon Terms of Business which contains the Financial Services Guide before making a decision about purchasing this policy. For more information, please read the Important Notices document which explains important matters relating to your insurance. APA receives an annual payment from Aon which is used for insurance related marketing and professional development activities to support our members.
