What is the APodA Member Insurance Program?

BMS is the official insurance broker for APodA members, dedicated to providing comprehensive cover and value-added services. The program offers a range of insurance policies, from professional indemnity insurance, public liability insurance, entity insurance, and more − to help ensure members are covered for all aspects of their work.


So, what cover do I need?

If you interact with patients on a regular basis, having your own insurance policy is a good way to help protect yourself while working. Relying on your employer’s insurance policy could mean you don’t have cover for all aspects of your role. 

It is important that APodA members have adequate professional indemnity insurance cover. Additionally, some members may want to add entity insurance, and/or business insurance. 


What is offered under the program?

The insurance program offers a suite of policies to meet your needs as a podiatrist (see below). 

Each year, policies under the program are reviewed against key areas of risk and claims data to ensure they continue to provide comprehensive cover. 

  • Professional indemnity insurance: This provides cover 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 duty. This means that if a client files a claim against you because they believe it was due to a failure of your professional services, professional indemnity insurance could step in. 
  • Public liability insurance: This helps cover your legal liability in respect to property damage and non-treatment related injuries. This could include scenarios where a patient slips and falls while under your supervision. 
  • Products liability insurance: This helps to cover you for actual or alleged bodily injury or property damage to a third party arising through use of a product sold, supplied, or manufactured by yourself.

With BMS, you can hold a combined Professional Indemnity and Public & Products Liability Policy. 

Looking for a different type of cover? As a specialist insurance broker, BMS can work with you to place policies that meet your needs. Speak to BMS to find the insurance solution that’s right for you.


How do I get cover?

You can add insurance to your APodA membership at any time. Simply add cover to your membership via the APodA website. 

For more information about the program, speak to BMS on 1800 514 933, or email podiatry@bmsgroup.com 


In arranging this insurance for our members APodA is acting as a distributor of BMS Risk Solutions Pty Ltd (BMS) AFSL 461594, ABN 45161187980. The 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 have not considered whether it was suitable for your personal objectives, needs or financial situation. Please read the Policy Wording and Financial Services Guide before making any decision about purchasing this policy.