APA Member Insurance
Your patients trust you with their health and wellbeing every day. With the APA, you receive the protection and support needed to practice at your best. The APA has partnered with leading insurance specialists BMS to deliver quality insurance solutions tailored for members.
Why choose APA Member Insurance?
The APA Member Insurance* (Professional Indemnity and Public & Products Liability Insurance) represents great value for our members 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, Public & 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)
- Worldwide cover (excluding USA)
- 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. Public Liability unlimited in the aggregate. Products liability $40m in the aggregate (both limits including 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) |
| 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 Member Insurance to ensure it remains relevant and valuable. 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 Member Insurance and consider whether an insured membership category or an uninsured category (with your own sourced insurance) best suits your needs.
Additional Entity Insurance
The APA Member Insurance covers you as an individual. If you are a business owner, it is essential to cover your practice's legal liability to third parties. If a clinician in your practice is named in a legal proceeding, it’s common for the practice to also be named as a means of determining liability and fault, if any exists.
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 this policy, to protect your practice with no additional premium payable. Create an account and complete the application via the member-only BMS Portal to obtain a certificate with your practice's business name noted. |
| 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 purchase an Entity Insurance policy from BMS, via the member-only BMS Portal. 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
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 Member 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 | $376.38 | $225.83 |
| Premium GST | $37.64 | $22.58 |
| Stamp Duty (0%) | $0.00 | $0.00 |
| Total | $414.02 | $248.42 |
| Item | Full Time Private | Part Time Private |
| Premium | $376.38 | $225.83 |
| Premium GST | $37.64 | $22.58 |
| Stamp Duty (9%) | $37.26 | $22.36 |
| Total | $451.28 | $270.77 |
| Item | Full Time Private | Part Time Private |
| Premium | $376.38 | $225.83 |
| Premium GST | $37.64 | $22.58 |
| Stamp Duty (11%) | $45.54 | $27.33 |
| Total | $459.56 | $275.74 |
| Item | Full Time Private | Part Time Private |
| Premium | $376.38 | $225.83 |
| Premium GST | $37.64 | $22.58 |
| Stamp Duty (8%) | $33.12 | $19.87 |
| Total | $447.14 | $268.29 |
| Item | Full Time Private | Part Time Private |
| Premium | $376.38 | $225.83 |
| Premium GST | $37.64 | $22.58 |
| Stamp Duty (10%) | $41.40 | $24.84 |
| Total | $455.42 | $273.26 |
Meet BMS
BMS Risk Solutions Pty Ltd (BMS) is the exclusive insurance partner for the Australian Physiotherapy Association (APA).
BMS is part of the wider BMS Group, offering a diverse range of specialty insurance and reinsurance – including cover for healthcare and regulated professionals through associations across Australia, Canada, Europe and New Zealand. With the support and resources of our wider group and established local knowledge and care, BMS is the insurance partner you want on your team.
For any questions about your APA Member Insurance, 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. 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)
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 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. 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/Product Disclosure Statement 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.