Occupational Therapy New Zealand Whakaora Ngangahau Aotearoa - Insurance for Occupational Therapists - OTNZ-WNA
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Purchase Private Indemnity and Public Liability Insurance

OTNZ-WNA has teamed up with BMS to provide members with comprehensive insurance cover at very competitive rates.

Please note: there has been an average increase of 6.9% from the 2021-22 insurance rates. The negotiated scheme by BMS and the underwriters at Lloyds ensures that these rates still remain very competitive when compared to insurance rates on the open market for individual OT practitioners.

For members renewing their 2021-22 insurance: 

You insurance will not automatically renew. To ensure you have continuous insurance cover, it is important that you renew your insurance before 30 June 2022. If you do not renew by the expiry date your policy will lapse and you will not be covered.

You can renew your insurance by following the below links.

Important insurance information for all members to consider before purchase: 

  • For the period 2022-23, we want to draw your attention to the following updates to the 2021-22 cover:
    • Removal of sublimit cover for “Dishonesty of your Practice Staff”
    • Removal of sublimit cover for “Practice Entity and Practice Staff”.
    • Revision of the “Retroactive Date” cover.
    • Reduction of sublimit cover for “Coroner’s Inquest” to $250,000 each and every claim and in the aggregate in any one period of insurance.

There are no other changes to your cover.

Please see your Member Schedule and Policy Wording for full details, and if you have any questions about how these changes impact you, if you need Business Entity Insurance or any other additional cover, please reach out to BMS via email, otnz-wna@bmsgroup.com

It is a requirement of your insurance policy that you have a current OTNZ Membership. If you cancel or do not renew your Membership, we cannot provide you with insurance and you won’t be able to lodge a claim.

If you have any questions, please contact us

COVID-19 and Insurance (BMS)

Click link above for information from BMS regarding COVID-19 and what this means for your insurance.


Only 2022-2023 OTNZ-WNA members can purchase this insurance, however, former OTNZ-WNA members and new members can purchase a 2022-2023 membership and insurance at the same time.

If you are already a 2021-2022 or a 2022-2023 member, the first step is to please log in here before proceeding. If you wish to purchase a brand new membership and insurance at the same time, you can select an insurance option below, then add a membership to your order.

Purchase/renew Professional Indemnity Insurance now (from current date to June 30 2023)


Purchase/renew Professional Indemnity and Public Liability Insurance now (from current date to 30 June 2023)

(More information below)

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Welcome to Occupational Therapy New Zealand – Whakaora Ngangahau Aoteatoa New Member Insurance Programme!

Your OTNZ-WNA membership is more valuable than ever before.

From 30th June 2019 OTNZ-WNA partnered with a new and exciting insurance provider, BMS Risk Solutions Pty Ltd (BMS).

BMS is the official and exclusive broker for the OTNZ-WNA member insurance program. BMS is a Lloyd’s broker and has several global teams, including Melbourne and Ottawa, dedicated to providing coverage, and value-added services to associations and its members.

BMS will bring to all OTNZ-WNA members exclusive access, not only to comprehensive coverage and cost-effective pricing, but their ability to go beyond a traditional insurance broker and become a strong strategic partner.

BMS recognise the importance of having a solution ready to address members’ practice needs across a variety of environments and business circumstances. Through this, all members will receive access to increased resources to reduce practice risk and exceptional service for all insurance-related enquiries.

Members participating in the insurance program will benefit from increased value and improved services, including new extensions of coverage and increased limits of liability. This insurance will provide:

Professional Indemnity

Choose between two comprehensive limits of:

  • $1,000,000
  • $2,000,000

Public Liability (Optional Additional Benefit)

Choose between two comprehensive limits of:

  • $1,000,000
  • $2,000,000

Professional Indemnity (PI) Insurance provides protection against allegations or claims of professional negligence, acts, errors or omissions in the course of practicing your profession.

Highlights of the New Broader policy include: –

  • NIL Excess on claims
  • Cyber and Privacy Liability
  • Abuse Coverage
  • Criminal Defense costs
  • Coverage for temporarily working Overseas
  • Protection for your professional reputation with Public Relation & Defamation Cover
  • Complimentary Unlimited Run-Off Cover
  • Specialised legal services – including an uncapped pro bono legal hotline managed by one of New Zealand’s leading independent law firms.

As an Occupational Therapist, you face daily interaction with your patients. If an incident happens to occur whilst they are in your care, you may be held accountable. BMS understand this can be a very stressful and upsetting time for an Occupational Therapist.  With your OTNZ-WNA Professional Indemnity insurance in place you can be assured BMS are here to make sure your claims experience is as simple and straightforward as possible.

In the Event of a claim

Prompt claims’ reporting is critical to the process of bringing claims to a successful resolution.

Members aware of any actual or potential claim must report it immediately. If you receive an audit or other investigations, complaint or letters of demand, communications from the board and any other issue related to your practice where you may be in a dispute, the notice must be reported in writing to BMS immediately.

In the event of a potential claim or if you are formally served with a statement of claim, you should follow the guidelines below:

Members Should

  • Immediately report any potential claim to BMS Group via phone or email
  • Formally document the incident, including details of those involved
  • Submit any formal statement of claim to BMS Group
  • Report any regulatory investigations or notice of complaint immediately

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 any previous medical records once a statement of claim has been received

Want to know more?

If you have any questions about the insurance program or the OTNZ-WNA Professional Indemnity Insurance Policy, contact BMS at 0800 999 267 or email otnz-wna@bmsgroup.com.

Download our OTNZ-WNA Member Insurance FAQs