Insurance Changes FAQs


Changes to the APA Member Insurance Program

The APA, together with our insurance broker, BMS, annually review the APA Member Insurance Program to ensure it continues to provide comprehensive and competitively priced coverage. This includes careful review of all inclusions, costs and claims trends. 

From 31 December 2023, the Cyber Liability & Network Security Liability Extension will be removed in its entirety from the Policy. The change has been carefully selected to minimise the impact on APA members while ensuring the cover still exceeds the professional indemnity insurance obligations as required by the Physio Board.

The ever-changing nature of cyber risk means that the insurance requirements of any business or individual vary greatly and are dependent on many variables. Providing standard coverage under the APA Member Insurance Program is no longer an appropriate approach to protect APA members working in a variety of settings and subject to different levels of cyber threat. 

If you feel cyber insurance might be something you need, APA encourages members to contact BMS to discuss their personal circumstances and consider if a dedicated cyber insurance policy is suitable.

If you have any questions, please contact BMS on 1800 931 068 or via email.

Details can be found on the APA Member Insurance Program page.

When are the changes applied?

The changes to the program will be reflected in all policies renewing from 31 December 2023. Please refer to your Policy Schedule for further details on your policy.

What's changing?

Effective renewal 31 December 2023, Cyber coverage – Cyber Liability and Network Security Liability is no longer included in the APA member insurance policy. An optional cyber insurance cover is available for members to purchase directly with BMS.

Is the APA Member Insurance Program still compliant with the Physiotherapy Board of Australia (PhysioBA) and the Australian Health Practitioner Regulation Agency (Ahpra)?

Yes, the APA professional indemnity insurance policy complies with and exceeds all requirements set by the PhysioBA and Ahpra.


Cyber Liability Insurance

Do I need Cyber Liability Insurance?

There are many reasons why you might consider cyber insurance, from covering costs incurred to uphold your reputation to covering the associated costs of recovering your data. A cyber incident can happen to anyone and can be initiated by simply misinterpreting a phishing email. While cyber insurance can’t stop a cyber incident from happening, it can mean you have access to a team of professionals if one does occur.

BMS offers comprehensive cyber liability insurance. Cover includes: 

  • business interruption 
  • website media content liability 
  • breach notification 
  • costs to restore your data 
  • third-party claims against you.

Will there be an extra premium payable?

As this is a policy separate to your APA member insurance, a premium is charged for this cover. Speak to a BMS broker for more information or to get a quote.

How do I get Cyber Liability Insurance?

For more information or to get a quote, contact BMS directly on 1800 931 068 or email Please note that if you do not apply for cyber liability insurance coverage you will not be automatically covered under your insurance as part of your normal APA membership and insurance policy.


*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.