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Insurance Programme

Physiotherapy New Zealand (PNZ) recommends all members practising physiotherapy in New Zealand have Professional Indemnity Insurance cover. Additionally some members will need Public Liability Insurance.

Insurance Through Physiotherapy New Zealand

PNZ has partnered with BMS to offer members insurance for 2023.

This means that as of 8 November 2022 you can add annual Professional Indemnity Insurance from BMS to your 2023 PNZ membership for $148.53 including run off cover at no additional fee when you permanently cease practice or retire. Read more about the professional indemnity features and benefits here.

Additionally, if you require both professional indemnity and public liability insurance, you can purchase a combined Professional Indemnity and Public Liability Insurance at $245.71. Read more about public liability insurance here.

Insurance Cover With BMS

Read the 2023 BMS/PNZ Member Professional Indemnity Insurance Policy or the combined 2023 BMS/PNZ Member Professional Indemnity and Public Liability Insurance Policy or visit BMS' PNZ member insurance website for more details.

These insurances are 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 these insurance products 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
  • 31 Dec 2022 to 31 Dec 2023
  • $148.53
  • Professional Indemnity and Public Liability Insurance
  • 31 Dec 2022 to 31 Dec 2023
  • $245.71
  • Professional Indemnity Insurance For Students
  • 31 Dec 2022 to 31 Dec 2023
  • $33.93

Please note: you must have a 2023 PNZ membership to be able to purchase insurance. The link below will not be accessible for non-members.

Pro-rated insurance is available from 1 July.

Click HERE to add insurance from BMS. 

Public Liability Insurance Extension

If you have already purchased Professional Indemnity Insurance for 2023 and require Public Liability Insurance, you are able to purchase this here.

Please note: you must have a 2023 PNZ membership and 2023 Professional Indemnity Insurance to be able to purchase Public Liability Insurance Extension. The link above will not be accessible for non-members.

Other Insurance Policies

If you have an existing insurance policy, including business insurance from any provider, your policy period may not be 31 December 2022 to 31 December 2023. Please check your policy period to ensure you know your renewal date. 

About BMS

BMS Risk Solutions (NZ) Limited (BMS) is Physiotherapy New Zealand’s (PNZ’s) exclusive insurance broker for 2023. 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 and BMS’ sophisticated online platform and significantly enhanced resources.

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 the Canadian Physiotherapy Association and the Australian Physiotherapy Association’s insurance program and has facilitated significant growth, program improvements and has extensive industry experience.

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

For more information, please contact BMS on 0800 999 267 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.

Page updated May 2023