Member Insurance Program


APA Member Insurance Program

Your patients trust you with their health and wellbeing every day. In your hands they receive the care they need to live their lives to the fullest. In our hands, you receive the protection and support you need to practice at your best. The APA have partnered with BMS to bring you an enhanced member insurance program.

Important information about changes to cover

Every year the APA reviews the insurance cover provided to members, carefully weighing up trends in claim types (i.e., what most members are using and in need of), inevitable increases in costs, and the types of cover and sublimits included. Decisions are made each year to remove, add, increase and/or decrease certain cover, so it’s important that you consider any changes announced when renewing your membership as to whether you choose an insured membership category or elect for an uninsured category and source your own insurance.

APA’s member insurance program will always ensure you exceed your professional indemnity insurance obligations as required by the Physio Board.

2024 Changes

For the coming insurance period, we want to draw your attention to the following changes to your cover.*

Please see Insurance Changes FAQs webpage.

Your hands are in good hands

Why choose the APA Member Insurance Program?

The APA has partnered with BMS to provide a customised insurance program that represents great value for our members, and 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
  • $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)
  • Exclusive access to an experienced insurance and claims service and specialist legal support

Download the full policy wording for a complete list of cover and sublimits. 

Practice owners

The APA member insurance program provides cover for individual members. It does not include professional indemnity and public liability insurance for your business (aka ‘Entity Insurance’).

It is good practice for all businesses to cover their entity risk. If a clinician in your business is named in a legal proceeding, it’s not unusual for the business to be investigated as a means of determining liability and fault, if any exists. Members who require additional insurance cover, including business entity cover, can purchase this from APA’s insurance partner, BMS, via the member-only online portal, where your premium will be individually assessed. You will need to create an online account with BMS to do this. If you are a Sole Trader with no employees there is no additional premium payable under the policy you hold through your membership however, you still need to apply for cover to obtain a certificate with your business name insured.


Individual professional indemnity and public and products liability insurance is included in the membership fee for most categories of APA membership. For all insured categories of membership, APA purchases a master policy that provides insurance for members for the coming insurance period. Since members working in private practice can elect either an insured or non-insured membership category, the tables below provide an outline of the insurance premium breakdown by state, including all government fees and charges.

Click on the state where you reside below to view tailored information that is applicable to you.

Meet BMS

BMS is the official and exclusive broker for the Australian Physiotherapy Association (APA).

BMS is part of the wider BMS group which is dedicated to providing coverage and value-added services to associations and their members. The BMS group provides cover to healthcare and regulated professionals through associations across Australia, Canada, Europe and New Zealand. This experience gives BMS a unique insight and ability to create and deliver significantly enhanced and continuously evolving member-centric insurance programs. This includes ensuring broad, market-leading coverage, evidence-based risk management and exceptional member service.

For any questions about your APA Professional Indemnity Insurance policy, please contact BMS on 1800 931 068 or via email.

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



*You must be a current APA member to be eligible for the APA member insurance program. If your membership ceases you will not be offered renewal when your policy expires. In arranging this insurance for our members APA is acting as a distributor of BMS Risk Solutions Pty Ltd (BMS) AFSL 461594, ABN 45161187980. Some insurance is issued by BMS under binder with Certain Underwriters at Lloyds. When acting under a binder 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 particular objectives, needs or financial situation. Please read the Policy Wording/Product Disclosure Statement and the BMS Terms of Engagement which contains the Financial Services Guide before making a decision about purchasing this policy.