Insurance

APA Member Insurance Program

In 2013 the APA reached a milestone partnership agreement with Insurance House to provide $20 million professional indemnity cover as part of APA membership, placed with one of the world’s most trusted underwriters—Lloyd's of London. 

The APA Member Insurance Program offers a wide range of benefits to meet your professional needs and protect your hard-earned reputation, including:
full compliance with Physiotherapy Board of Australia insurance registration requirements
exceptionally competitive rates
zero excess
full scope of physiotherapy practice cover
high-level customer service 
excellent claims and risk management support. 

No matter where you are in your career, or in what area of physiotherapy you are working, we have you covered with a tailored membership and insurance package. 

Your hands are in good hands. 



Not a member? Join or renew now


What is professional indemnity insurance?

Professional indemnity insurance is designed for professionals who provide advice or a service to their customers. It is designed to protect you against legal costs and claims for damages to third parties which may arise out of an act, omission or breach of professional duty in the course of your business.

If a mistake or omission occurs in the course of your professional work that results in financial loss or injury to a patient or third party, that party may take legal action against you to recover their losses. Professional indemnity insurance seeks to protect both your assets and your reputation, should this occur.

Why do I need it?

All registered physiotherapists practising in Australia are required to have professional indemnity insurance arrangements that are continuous throughout the period of practice. Physiotherapists must ensure that the cover is appropriate to the level of risk and is inclusive of run-off cover.

Defending yourself from a professional conduct claim can cost you time, money and may damage your reputation, regardless of whether the allegations are founded or not. If things do go wrong you could be held responsible not only for your own actions, but for those of your partners, employees or volunteers.