Changes to APA Member Insurance for 2026
The APA, together with our insurance partner, BMS, annually review APA Member Insurance* to ensure it continues to provide comprehensive and competitively priced coverage. This includes careful review of all inclusions, costs and claims trends.
The changes to APA Member Insurance will be applied and reflected in all policies renewing from 31 December 2025. Please refer to your Policy Schedule in your member dashboard for further details on your policy.
If you have any questions, please contact BMS on 1800 931 068 or via email.
Details can be found on the APA Member Insurance page.
Changes for the 2026 renewal year
For the 2026 policy year, while there are no major changes to your APA Member Insurance, we are pleased to share the following enhancement for 2026:
- The aggregate limit of $60,000,000 for Public Liability has been removed. Your Public Liability cover is now Unlimited, meaning there is no overall cap across multiple claims in a policy period. Per claim limit of $20,000,000 still applies.
Frequently Asked Questions (FAQs)
Is APA Member Insurance compliant with the Physiotherapy Board of Australia (PhysioBA) and the Australian Health Practitioner Regulation Agency (Ahpra)?
Yes, the APA Member Insurance policy complies with and exceeds all requirements set by the PhysioBA and Ahpra.
How do I get Entity Insurance?
You will need to create an account and complete an application or purchase Entity Insurance via the member-only BMS Portal. Please visit the APA Member Insurance page. For more information, contact BMS on 1800 931 068 or via email. Please note that if you do not apply for entity insurance coverage your practice is not automatically covered as part of your standard APA membership and insurance policy.
If my employer or union provides insurance cover, do I need individual insurance?
We would always recommend individuals hold their own insurance.
Many physiotherapists are covered through their employer or workplace union arrangements, and this can provide strong protection while you are working in that specific role.
However, it’s important to consider that this cover may only apply to services provided within your workplace. If you provide physiotherapy outside your main role - for example, volunteering with a local community sports club - your employer or union policy may not extend to those activities.
Holding your own APA Member Insurance policy ensures you are personally covered in these situations, giving you peace of mind that your professional practice is always protected.
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 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.