FAQs

  • Who is BMS

    BMS is the official and exclusive broker for the Physiotherapy New Zealand Inc (PNZ) member insurance program.

    BMS is a Lloyd’s broker and has several global teams, including in Melbourne and Ottawa, dedicated to providing coverage, and value-added services to associations and its members.

    The Australian and Canadian operations provide coverage to more than 500,000 healthcare and regulated professionals through 70+ associations across Australia and Canada, including the Australian Physiotherapy Association and the Canadian Physiotherapy Association.

    This experience gives BMS a unique insight and ability to create and deliver significantly enhanced and continuously evolving member centric insurance programs. This includes ensuring broad, market-leading coverage, evidence-based risk management and exceptional member service.

    To find out more visit www.bmsgroup.com/affinity

    If you have any questions about the insurance program or Physiotherapy New Zealand Professional Indemnity Policy, contact BMS at 0800 999 267 or email pnz@bmsgroup.com.

  • Why has Physiotherapy New Zealand chosen BMS Group as their Insurance Partner?

    Ensuring PNZ members have access to the most comprehensive coverage, additional, evidence-based risk management material and exceptional service for insurance queries and claims is paramount. BMS is a specialist broker dedicated to servicing associations and its members and will continue to enhance the PNZ Insurance Program.

  • What do I do if I have an open claim with my previous insurer?

    If you have a current claim with your previous insurance company, you will need to continue dealing directly with them. Any new claims or notifications under the new insurance program can be directed to BMS Group on 0800 999 267.

  • What is Professional Indemnity Insurance

    Professional Indemnity Insurance protects you against allegations or claims of financial loss due to injury or damages that have resulted from a negligent act, error, omission, malpractice or breach of duty that has arisen out of your professional capacity as a Physiotherapist.

    The Physiotherapy New Zealand PI policy will also respond to protect your reputation should a claim occur.

  • What are the major benefits of the Physiotherapy New Zealand Member Insurance Policy
    • $1,000,000 Limit of indemnity per claim for Professional Indemnity ($2,000,000 per member in the aggregate inclusive of all costs and expenses)
    • Access to free legal counsel with our partner legal firm; a leading Allied Health law firm, in the event a complaint is made against you or you receive a notification from your regulatory body
    • No Excess
    • $50,000 Cyber Liability coverage for both your own costs as well as third party losses
    • Unlimited retroactive cover for past activities
    • Unlimited run-off cover when you have a leave of absence or retire
  • Can I opt out if I don’t want the insurance in my membership?

    You can opt out of the Physiotherapy New Zealand Insurance program during the application or renewal process. While it’s not compulsory to take up the Physiotherapy New Zealand Professional Indemnity Policy, all Physiotherapists must have adequate PI Insurance to be registered.

  • How do I know if I am covered?

    Your PNZ membership may include $1M PI Insurance at each year’s renewal. To confirm whether your Membership category includes insurance, please contact PNZ on +64 4 801 6500 or email pnz@physiotherapy.org.nz

    An invoice and Certificate of Currency is issued to every eligible member once they’ve renewed each year.

  • Who do I call if I have any insurance-related questions or to discuss my insurance policy?

    You can contact BMS’ team of Brokers on 0800 999 267 or by email at pnz@bmsgroup.com.

  • Am I covered if I treat family members?

    No. There is no cover for when you are providing your services to family members.

  • What happens if I have a leave of absence during the year?

    If you are taking a leave of absence your policy can be put into Run Off. To activate Run Off, please contact BMS by email or phone to advise of the reason for your leave of absence, and the date your absence will commence.

  • Does this policy cover me when I retire?

    Yes, your policy can be put into Run Off in this instance. To activate Run Off, please contact BMS by email or phone to advise the date your retirement will commence.

  • Is the Physiotherapy New Zealand Member Insurance Policy compliant with the Physiotherapy Board of New Zealand?

    Yes. The Physiotherapy New Zealand Insurance Policy complies with and exceeds all requirements set by the Physiotherapy Board of New Zealand

  • Will this policy cover my past activities?

    Yes. The Physiotherapy New Zealand PI Insurance Policy provides unlimited retroactive cover, provided that there are no known and unreported circumstances that may lead to a claim.

  • Should I consider this cover if I work in the Public Health Sector?

    Yes. As a Public Health Sector worker, without your own insurance policy you are relying on your employer’s Insurance, which may be geared more towards protecting your employer. Further, Public Hospitals or Health Centres typically carry policy excesses upwards of $250,000; which means that, in the event of a claim against you, they may decline to cover you.

    Your employer’s policy may not cover you for:

    • Your services with previous employers.
    • Your private practice work.
    • Your past services rendered.
    • Your services provided as a contractor, sub-contractor or consultant.
    • If you are sued by your employer
    • Legal support for regulatory inquiries, disciplinary hearings and coronial enquiries.

    Physiotherapy New Zealand members who participate in the Insurance Program also have peace of mind that they have an individual $1,000,000 limit and $2,000,000 aggregate limit covering their interests as well as access to 30 minutes of free legal assistance with a senior lawyer for each potentially claimable issue that arises.

    Having your own individual policy ensures you are covered if you want to work while transitioning from one employer to the next.

  • What Legal Support is available to me as a member insured through Physiotherapy New Zealand?

    Our partner law firm is a leading independent firm who is pleased to offer summary pro bono legal advice to all Physiotherapy New Zealand members participating in the insurance program.

    Physiotherapy New Zealand members can take advantage of this complimentary service for practice related questions involving issues such as:

    • Privacy and confidentiality;
    • Conflicts of interest;
    • How to respond to requests for information from third parties;
    • Inquires from your regulatory body;
    • How to respond to a subpoena;
    • Professional misconduct;
    • Ethical obligations; and
    • Professional obligations

    Our partner legal firm is one of the leading firms in insurance claims services and offers expertise in all areas of litigated and non-litigated claims.

    The partner legal firm team not only defends a large portfolio of litigated claims against allied health professionals and health care providers, but also provides specialised services in coronial investigations, disciplinary hearings and complaints resolution processes. The team works closely with its clients to identify what is particularly important in resolving claims, including accuracy, speed, and sensitivity to reputational risk and intelligent and controlled solutions to litigation.

  • What do I do if I have a claim or complaint made against me?

    Members should

    • Immediately report any potential claim to BMS Group
    • Formally document the incident, including details of those involved
    • Submit any formal statement to BMS Group
    • Report any regulatory investigations or notice of complaint within 30 days
    • Gather any noted and supporting documentation

    Members should not

    • Speak with any third parties about the claim
    • Assume any legal fees before reporting a claim
    • Offer compensation to independently settle a claim
    • Amend or change ant previous medical records once a statement of claim has been received

    If you are aware of a potential claim you should contact BMS Group directly at
    0800 999 267 or pnz@bmsgroup.com.

  • Am I covered in respect to Boundary Violations?

    No. There is no cover in respect to Boundary Violations.