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Professional Indemnity Insurance

Physiotherapy New Zealand (PNZ) recommends all members practising physiotherapy in New Zealand have Professional Indemnity Insurance cover.

Insurance Through Physiotherapy New Zealand

PNZ has partnered with BMS Group to offer members insurance for 2019.

This means that as of 1 November 2018 you can add annual Professional Indemnity Insurance from BMS to your 2019 PNZ membership for $92 (similar insurance was $98 through PNZ in 2018), including runoff cover at no additional fee.

It’s important you get the highest possible value from being part of PNZ. To ensure members continue to be offered the most comprehensive and competitively priced insurance, PNZ has worked to review insurance policies from a number of providers going into 2019 membership renewals. This comprised a detailed examination of insurance options, including runoff cover for members who retire or leave the profession.

The result of this review is that PNZ is now offering members insurance through BMS – international leaders in health professional insurance and providers of insurance for both the Australian and Canadian Physiotherapy Associations. Headquartered in London, BMS have offices around the world and employ over 375 people. BMS also offer a range of additional insurance cover options for businesses, such as cyber insurance.

Professional Indemnity Insurance through PNZ can be purchased in the same way as in 2018, when you sign-up or renew your PNZ membership. Please remember, if you purchased Professional Indemnity Insurance through PNZ for 2018 your current policy will expire on 1 January 2019. To ensure continuity of coverage, make sure you renew your membership along with your insurance.

As we’ve changed insurance providers this year, if you have a current professional indemnity policy with AON please communicate any potential ‘known’ events or claims with AON prior to 31 January 2019 to ensure you’re covered. Any ‘unknown’ events or claims will be covered under the new Professional Indemnity Insurance from BMS, should you purchase this.

Professional Indemnity Insurance Cover With BMS

Read the 2019 BMS/PNZ Member Professional Indemnity Insurance Policy or visit BMS' PNZ member insurance website for more details.

Professional Indemnity Insurance is an additional cost to your regular PNZ membership, if you’re unsure whether you are covered then please contact pnz@physiotherapy.org.nz.

You can add Professional Indemnity Insurance to your current PNZ membership at any time. Please follow the links below to purchase online. An administration charge is included within the insurance premium. While undergraduate physiotherapy students are likely to be covered by the university providing their programme of study, you may need insurance if you work outside of that scope.

Insurance Policy (from BMS)

Policy Period

Cost of Policy

  • Professional Indemnity Insurance Annual Premium
  • 1 Jan 2019 to 1 Jan 2020
  • $92
  • Professional Indemnity Insurance For Students
  • 1 Jan 2019 to 1 Jan 2020
  • $23

Please note: you must have a 2019 PNZ membership to be able to purchase Professional Indemnity Insurance. The link below will not be accessible for non members

As of 1 November 2018, click HERE to add Professional Indemnity Insurance from BMS. 

Other Insurance Policies

If you have an existing insurance policy, including business insurance from any provider, your policy period may not be 1 January to 1 January. Please check your policy period to ensure you know your renewal date. BMS offer a range of insurance cover options, including those for businesses, so can offer advice on what policies could suit you best.

About BMS

BMS Risk Solutions Pty Ltd (BMS Group) is Physiotherapy New Zealand’s exclusive insurance broker for 2019. BMS has brought a member centric perspective to the design and delivery of our insurance program that will result in significant immediate and long term benefits.

PNZ members will benefit from increased value and improved services, including new extensions of coverage, increased limits of liability, exclusive access to additional business-related products that can be purchased through PNZ& BMS’ sophisticated online platform and significantly enhanced resources.

BMS has also been the broker for the Canadian Physiotherapists Association’s insurance program for five years also Australian Physiotherapist Association and has facilitated significant growth and program improvements and has extensive industry experience.

During this transition, please be assured that all insurance matters remain unchanged. All members continue to have coverage under the policies that are presently in effect. In the event that you have a claim, would like to purchase coverage, or have any questions, please contact a BMS program representative.

For more about BMS including their team and Frequently Asked Questions, visit their PNZ member insurance website.

For more information, please contact BMS Group on 0800 999267 or email pnz@bmsgroup.com.

Had a complaint made against you?

Please seek the advice of your insurance advisers immediately if any complaint is made or threatened against you. Contact the BMS team, who will provide you with the appropriate advice.