ANZACATA FAQs

  • Who is BMS Group

    BMS Group is now the exclusive broker for the ANZACATA new insurance program.

    BMS is a Lloyd’s broker and has 15 global teams, including in Melbourne and Ottawa, dedicated to providing coverage, and value-added services to associations and its members.

    The Australian and Canadian teams provide coverage to more than 500,000 allied health and regulated professionals through 70+ associations globally.

    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 ANZACATA Indemnity Policy, contact BMS at anzacata@bmsgroup.com, or by phone:
    Australian Members 1800 931 071
    New Zealand Members 0800 999 267

  • Who is eligible for the ANZACATA Insurance Program?

    The ANZACATA Member Insurance Program is available to professional members of ANZACATA who are based in either Australia or New Zealand.

  • Why have ANZACATA chosen BMS Group as their Insurance Partner?

    Ensuring ANZACATA 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 ANZACATA Insurance Program.

  • I already have a policy can I apply outside of my membership renewal?

    Yes you can opt back in to the insurance program at any time. Please contact BMS for more information at anzacata@bmsgroup.com, or by phone:
    Australian Members 1800 931 071
    New Zealand Members 0800 999 267

  • 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 at anzacata@bmsgroup.com, or by phone:
    Australian Members 1800 931 071
    New Zealand Members 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 an Arts Therapist.

    The ANZACATA PI policy will also respond to protect your reputation should a claim occur.

  • What is Public Liability Insurance?

    Public Liability Insurance provides cover for bodily injury or property damage to a third party that occurs while conducting your professional activities.

    This is primarily a legal defence costs cover but also covers settlement costs in the event that you are found to be liable / negligent in causing the injury or property damage.

    In New Zealand, bodily injury claims are covered through the Accident Compensation Corporation (ACC) and thus, Public Liability is not included in the ANZACATA Member Insurance Policy for New Zealand members.

  • What is Products Liability?

    Products Liability Insurance covers 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 you.

    As with Public Liability, this cover will also respond to legal defence costs even if you are found to be not liable for the injury/damage.

    In New Zealand, bodily injury claims are covered through the Accident Compensation Corporation (ACC) and thus, Products Liability is not included in the ANZACATA Member Insurance Policy for New Zealand members.

  • What are the major benefits of the ANZACATA Member Insurance Policy
    • $10,000,000 Limit of indemnity per claim for Professional Indemnity and an annual limit of $30,000,000.
    • $10,000,000 Public and Products Liability and an annual limit of $30,000,000. (Australian members only)
    • Access to legal counsel with a leading Allied Health law firm, in the event a complaint is made against you
    • Cover is provided worldwide (excluding only the USA)
    • Unlimited retroactive cover for past activities
    • Run-off cover is available when you have a leave of absence or retire
    • Locum & Student Arts Therapist’s are insured

    Please refer to the policy wording for full details regarding the coverage provided.

  • I need $20,000,000 PI Cover, how do I obtain this?

    You can contact BMS’ team of Senior Brokers at anzacata@bmsgroup.com, or by phone:
    Australian Members 1800 931 071
    New Zealand Members 0800 999 267
    They can assist you to obtain the extra cover.

  • How do I know if I am covered?

    If you are unsure if your membership category automatically includes your PI insurance please contact ANZACATA or BMS.

  • Can I opt out if I don’t want the insurance in my membership?

    You have the option to opt out of the ANZACATA program during by selecting your relevant membership category - not including insurance.

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

    You can contact BMS’ team of Senior Brokers at anzacata@bmsgroup.com, or by phone:
    Australian Members 1800 931 071
    New Zealand Members 0800 999 267

  • Am I covered if I provide services to 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?

    The ANZACATA PI Policy has run-off cover available, so you remain covered in the event you have a leave of absence (such as maternity leave or due to an illness). To activate this, you must apply for run-off cover by contacting BMS at anzacata@bmsgroup.com, or by phone: Australian Members 1800 931 071
    New Zealand Members 0800 999 267

  • Does this policy cover me when I retire?

    Yes. The ANZACATA Insurance Policy provides run-off cover, which means you are covered when you retire. To activate this, you must apply for run-off cover by contacting BMS anzacata@bmsgroup.com, or by phone:
    Australian Members 1800 931 071
    New Zealand Members 0800 999 267

  • Is the ANZACATA Member Insurance Policy compliant with the Australian Health Practitioner Regulation Agency (AHPRA)?

    Yes. The ANZACATA Insurance Policy complies with and exceeds all requirements set by AHPRA.

  • Is the ANZACATA Member Insurance Policy compliant with the New Zealand Psychologists Board?

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

  • Will this policy cover my past activities?

    Yes. The ANZACATA 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.

    ANZACATA members who participate in the Insurance Program also have peace of mind that they have an individual $10,000,000 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 the ANZACATA?

    Lander & Rogers, a leading independent Australian law firm is pleased to offer summary pro bono legal advice to all ANZACATA members participating in the insurance program. To ensure all eligible members are provided with superior legal defence in the event of a claim or complaint, Lander & Rogers has been retained as the preferred legal provider for claims made under ANZACATA Insurance Program.

    ANZACATA 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

    Lander & Rogers is one of Australia’s leaders in insurance claims services and offers expertise in all areas of litigated and non-litigated claims.

    The Lander & Rogers 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 should contact BMS Group directly at anzacata@bmsgroup.com, or by phone:
    Australian Members 1800 931 071
    New Zealand Members 0800 999 267

  • What other insurance products can I purchase?

    Clinic Package

    Clinic Package Insurance is designed for Allied Health & Medical businesses with assets not exceeding $5 million. It covers various general elements of business risk relating to property and interruption to operations; it is comprised of 6 sections providing a range of property and revenue covers against different types of losses (i.e. Fire & storm damage, theft, glass breakage, machinery breakdown, business interruption).

    Cyber Security & Privacy Liability

    Cyber Liability coverage responds to various losses resulting from but not limited to, stolen credentials, malware, phishing and social engineering and insider threats. Coverage is provided for loss suffered by your business, claims made by third parties affected and for your business interruption in the event of a breach.

    Australia has recently passed a law making it mandatory for businesses to notify of data breaches within 30 days. This can have a massive financial impact on a business and we recommend visiting the Risk Resources page for more information and resources in respect of this historic change in legislation

    Personal Accident

    Personal Accident insurance is designed individuals to provide coverage in the event of death or permanent/temporary disability due to injury or sickness.

    There are a range of benefits that the coverage extends to provide, including but not limited to rehabilitation, corrective surgery, medical expenses and child support. Benefits are paid by either lump sum or weekly throughout the benefit period for prolonged sickness or injury.

    This coverage is particularly important where:

    • You are a sole trader or business owner and not covered by a workers compensation policy,
    • You are a contractor, sub-contractor or locum and not covered by a workers compensation policy,
    • You work in a high-risk industry or are off site often, or
    • You do not have the financial means to support yourself in the event of a serious injury or prolonged illness.

    Corporate Travel Insurance

    Corporate Travel Insurance is an annual policy covering all staff and directors of a company for business travel. Cover will also respond to leisure trips taken by directors and business owners as well as associated leisure travel for employees of the business.

    Cover also extends to any employees spouse and dependent children.

  • How do I add my business name onto the Policy and what coverage will be provided?

    You can apply to have your ANZACATA Insurance Policy extended to include your business entity. Click here to find out more about business entity cover and apply online.

    This will act as an extension to your ANZACATA policy to protect your business in the event the entity is named in an action.

  • How do I purchase additional insurance products?

    Download an application form from the relevant product page on this site; once completed, send through to BMS to obtain a quote. If you cannot locate an application or would like to discuss in more detail, please contact BMS on at anzacata@bmsgroup.com, or by phone:
    Australian Members 1800 931 071
    New Zealand Members 0800 999 267