Insurance FAQs - IICT- International Institute for Complementary Therapists

Welcome to the International Institute for Complementary Therapists Member Insurance Program!


Affordable premiums from:

Full Time
$141 to $151

Dependent on state taxation

Student
$77 to $83

Dependent on state taxation


Your IICT membership is more valuable than ever before.

As an IICT member, you now have access to Combined Medical Malpractice Professional Indemnity and Public Liability insurance, along with your annual membership. This insurance will provide:

  • $20 Million in cover for Professional Indemnity per member
  • $20 Million in cover for Public & Products Liability per member
  • Unlimited Retroactive cover
  • Run-off cover

Contact BMS today for more information on 1800 290 981 or iict@bmsgroup.com

We have partnered with BMS Risk Solutions Pty Ltd (BMS) to bring members exclusive access, not only to comprehensive and cost-effective coverage. You also have access to increased resources to reduce practice risk, exceptional service for all insurance-related enquiries and the ability to purchase additional insurance products, if needed.

The International Institute for Complementary Therapists Combined Medical Malpractice Professional Indemnity and Public Liability Policy has been tailored with direct input from industry professionals, to meet the unique practice risks of IICT members.


What happens if I already have coverage in place?

If you currently have a Professional Indemnity policy, please provide the date your insurance is due in your Membership renewal application. When you receive your insurance policy expiry notice, you can join the IICT Insurance Program via the IICT Website Member Login. Your insurance and membership will then be combined in one simple payment.

Here you will find a wide range of information about the IICT Member Insurance Program and have the ability to purchase additional insurance products, including Clinic Package, Cyber Security & Privacy Liability and Personal Accident.

Welcome to the International Institute for Complementary Therapists Member Insurance Program!


Affordable premiums from:

Full Time
$147.20

Student
$80.50


Your IICT membership is more valuable than ever before.

As an IICT member, you now have access to Combined Medical Malpractice Professional Indemnity and Public Liability insurance, along with your annual membership. This insurance will provide:

  • $10 Million in cover for Professional Indemnity per member
  • $20 Million in cover for Public & Products Liability per member
  • Unlimited Retroactive cover
  • Run-off cover

Contact BMS today for more information on 0800 999 267 or iict@bmsgroup.com

We have partnered with BMS Risk Solutions Pty Ltd (BMS) to bring members exclusive access, not only to comprehensive and cost-effective coverage. You also have access to increased resources to reduce practice risk, exceptional service for all insurance-related enquiries and the ability to purchase additional insurance products, if needed.

The International Institute for Complementary Therapists Combined Medical Malpractice Professional Indemnity and Public Liability Policy has been tailored with direct input from industry professionals, to meet the unique practice risks of IICT members.


What happens if I already have coverage in place?

If you currently have a Professional Indemnity policy, please provide the date your insurance is due in your Membership renewal application. When you receive your insurance policy expiry notice, you can join the IICT Insurance Program via the IICT Website Member Login. Your insurance and membership will then be combined in one simple payment.

Here you will find a wide range of information about the IICT Member Insurance Program and have the ability to purchase additional insurance products, including Clinic Package, Cyber Security & Privacy Liability and Personal Accident.

Medical Malpractice Professional Indemnity Insurance

Regular interaction with people is a guaranteed part of any Complementary Therapists practice and is a daily occurrence. You may face situations where your clients look to hold you responsible for injuries they deem to have received as a result of your professional services.

Medical Malpractice Professional Indemnity Insurance (PI) protects you against liability or allegations of liability for financial injury or damages that have resulted from a negligent act, error, omission, or malpractice that has arisen out of your professional capacity as a Complementary Therapist. PI protects Complementary Therapists by ensuring that your legal defence is coordinated and paid for if a claim is made against you. Your PI also covers the cost of patient compensation or damages.


Your Medical Malpractice Professional Indemnity Insurance also provides you with the following additional coverage:

Intellectual Property

We’ve all had that moment; where you think of a brilliant business idea only to find someone has already beaten you to it. What happens if you implement a new idea in your business, only to find out that you have unintentionally copied someone else’s idea? Your IICT Insurance policy protects you against any alleged or actual (and unintentional) infringement of a copyright, trademark, registered design or patent.

Criminal Proceedings Costs

Coverage provides reimbursement to an insured member for defence costs if any criminal proceedings are brought against them in relation to the performance of their professional services rendered in Australia; provided the member is acquitted or found ‘not guilty’ of the criminal charge.

Public Relations Expenses

Reputation can mean the success or failure of a business. As an IICT Member participating in the Insurance Program, you have access to cover for costs involved with engaging a Public Relations Consultant, to work with you to maintain your public image where an allegation is made regarding the quality of your professional services which may lead to a claim.

Advance Claim Protection

Coverage is provided for an insured member to engage preliminary legal services and advice prior to an incident being formally accepted as a claim under the policy.


Are you a practice owner?

A Pilates Instructor employed by you runs a Reformer Pilates class. A participant in the class claims that inadequate supervision of class participants led to them sustaining a back injury.

The patient takes action out against the employee who ran the class, you (the Individual) as the owner of the studio who provided the treatment, and your Pilates Studio (business entity) for not having adequate processes in place to ensure adequate supervision.

Your IICT Insurance Policy responds to your legal costs to defend your liability, and if entity coverage is taken, your IICT policy will also respond to cover the legal defence costs in respect of your business entity.

It is important to note that you IICT policy will not respond to any costs associated with the action against professional employees, they will need to maintain individual Professional Indemnity coverage.

Please contact BMS 1800 290 981 or email iict@bmsgroup.com to learn more about entity coverage and to apply for cover today.

Medical Malpractice Public Liability Insurance

Medical Malpractice Public Liability Insurance covers you for actual or alleged negligence caused by you or your employees which results in bodily injury or property damage to a third party. Even if you are found to be not guilty in a court proceeding, your policy will still respond to cover your legal defence costs.

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. Even if you are found to be not guilty in a court proceeding, your policy will still respond to cover your legal defence costs.

Medical Malpractice Public Liability Claim Example:

A Pilates Instructor runs small group Pilates classes out of their studio. In an earlier class a client spilled some water on the floor from their water bottle and did not bring it to the Instructor’s attention. As the next group prepare for the class in the room, an elderly participant slips on the wet floor, causing the patient to fracture their hip. Action is taken by the patient against the Pilates instructor and it is found through investigation that the Pilates Instructor was negligent as they should have checked the room for any hazards prior to the next class starting. They are found liable for the damages and their Medical Malpractice Public Liability policy responds to pay.

Products Liability Claim Example:

A Complementary Therapist sells essential oils to their clients. The essential oils are made by the Complementary Therapist. Due to the sale of undiluted essential oils, they receive a complaint from a patient about burns to their arms and neck. Action is taken out against the Complementary Therapist for the supply of a dangerous product, and their Products Liability policy responds to defend them and pay any settlement.

Clinic Package Insurance

Do you own or operate a Complementary Therapy Business practice?
Do you have a business lease obligation to insure for glass breakage?
Do you have expensive equipment or stock that you store in your practice?

IICT members have exclusive access to discounted Clinic Package insurance with coverage designed to meet the specific needs of Complementary Therapy practice owners.

Clinic Package Insurance is designed for Complementary Therapy 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 of cover:

Section Covers
Property Damage Covers buildings, business property, stock and machinery for fire, storm damage and other perils.
Theft Covers theft of business property and stock in trade.
Glass Covers all glass types for the replacement value and signage.
Money Covers loss of or damage to money stored on or off site, as well as money in transit.
Equipment Breakdown Machinery Breakdown covers the mechanical breakdown of machinery (i.e. air conditioning units, refrigeration units, etc.). Electronic Equipment Breakdown covers the costs associated with an electronic breakdown of computers and peripheral office equipment (i.e. a power surge or fusion).
Business Interruption Cover for loss of income in the event your business operations are hindered following an insured Material Damage peril. Also includes benefits for Additional Increased Costs of Working which provides cover for additional costs to maintain normal operation of your business (including leasing alternative premises, advertising costs, and equipment leasing and additional staff).

Apply for Coverage

Please complete and return the application form or call BMS today on 1800 290 981 (Aus) or 0800 999 267 (NZ) to receive a quote for Clinic Package Insurance.

Download Form (.pdf)

Cyber Security & Privacy Liability Coverage

If you’ve got data, you’ve got risk. Cyber security is one of the fastest growing areas of risk, and the Complementary Therapy Health sector is not immune. Cyber Liability coverage responds to various losses resulting from but not limited to, stolen credentials, malware, phishing and social engineering and insider threats.

The insurance cover responds to:

  • Third party claims against you;
  • Business interruption and costs to restore your data;
  • Notify of the breach.

We provide the option to purchase comprehensive Cyber Security & Privacy Liability Insurance with limits of up to $1,000,000 for Complementary Therapy Practice and their clinics, with premiums starting at $300.00 (excluding charges).

Cyber Security & Privacy Liability Claim Example

A Pilates Instructor Studio’s network was infected with a virus that was received via a phishing email which was opened by an employee by mistake; this allowed the hacker to gain access to the clinic’s website.

The Studio’s Cyber Liability Insurance responds to cover forensic IT costs to determine the extent of the breach and loss to data, Forensic accounting to determine any interruption to operations and loss of income, costs to remove the virus and to reinstate the insured’s data and systems. The total expenses incurred were $17,000.

Apply for Coverage

Please complete and return the application form or call BMS today on 1800 290 981 (Aus) or 0800 999 267 (NZ) to receive a quote for Cyber Liability Insurance.

Download Form (.pdf)

Personal Accident

For many of us, suffering a serious injury or illness whilst at work can put you under severe financial strain. BMS are able to provide comprehensive Personal Accident coverage for individuals who:

  • Work as contractors
  • Are sole traders or business owners
  • Are looking for additional security to their employer’s workers compensation policy

Having a Personal Accident Policy in place will ensure financial relief in the event you suffer an unforeseen injury or become ill and you are unable to work for a period of time.

Coverage offered through BMS Group protects you 24 hours a day, 365 days a year and includes weekly benefits for temporary disability or sickness.

There are 3 limit options to choose from:

Option 1 Option 2 Option 3
Death & Capital Benefits (lump sum benefit) $100,000 $200,000 $300,000
Weekly Accident & Sickness 85% of weekly salary up to $1,000 85% of weekly salary up to $2,000 85% of weekly salary up to $3,000
Benefit Period up to 104 weeks up to 104 weeks up to 104 weeks
Excess Period 7 Days 7 Days 7 Days
Premiums from $600 + charges $960 + charges $1,440 + charges

Best Doctors Advice Service

BMS has partnered with Accident and Health Insurance who provide access to medical advisory firm Best Doctors at no additional cost. Best Doctors provide policyholders with access to a global network of 50,000 medical specialists who can work closely with individuals to provide diagnosis, second opinions and treatment options to assist a policyholder facing any injury, illness or medical condition (whether covered by this insurance policy or not).

This service is entirely confidential, is not reported to insurers and extends to the policyholder’s children, partner, parents and in-laws.

This service can assist with many areas of medical advice, including:

  • If you receive a diagnosis but want to be 100% sure it is correct
  • If you need advice on what treatment plan to follow
  • If you are looking for the best local specialist for an in-person consultation
  • If you have a medical question but want to ask a professional, not surf the web
  • If you are confused about a medical condition and need access to thorough and reliable information
  • In addition to specialist advice, policyholders will also receive access to an online portal to obtain everyday medical advice.

Apply for Coverage

Please complete and return the application form or call BMS today on 1800 290 981 (Aus) or 0800 999 267 (NZ) to receive a quote for Personal Accident Insurance.

Personal Accident Application (.pdf)


For additional information, FAQs and case studies, please click here:

Personal Accident FAQs (.pdf)

Management Liability

Management Liability is a package policy which covers actions and conduct of the insured company and its Directors and Officers for day to day operating of the business.

Management Liability covers multiple risk exposures through its 6 main coverage sections, including:

  • Stakeholder Actions
  • Fraud
  • Unfair Dismissal
  • Investigations
  • Complex Taxes
  • Regulatory Actions
Coverage Section Description
Directors & Officers Liability Cover for wrongful or negligent acts by Directors and Officers of the company in execution of their duties.
Corporate (Entity) Liability Cover to the business entity for wrongful or negligent acts committed in the operation of the business
Employment Practices Liability Cover to Directors, Officers and Managers of the insured company for claims made against them by employees.
Statutory Liability Protection against statutory breaches, most commonly Work Health & Safety prosecutions, fines and penalties.
Crime Covers the insured company for internal or external misappropriation or fraud of money or property through fraudulent means.

With coverage limit options up to $5,000,000, you can ensure your business and its directors are protected.


Apply for Coverage

Please complete and return the application form or call BMS today on 1800 290 981 (Aus) or 0800 999 267 (NZ) to receive a quote for Management Liability Insurance.

Download Form (.pdf)

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 a member receives a formal notice or statement of claim, the notice must be reported in writing to the insurer immediately. Please refrain from making any written or oral statements to the claimant, unless the insurer advises to do so. Please do not offer to compensate a client as such action could interfere legally with the management of a claim.

Should a member seek independent legal services for a potential claim, any fees associated with such services may not be recuperated under the policy limits unless notice has been provided to the insurer before such legal representation commences.

In the event of a potential claim or if a member is formally served with a statement of claim, members 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

Members who are aware of a potential claim should contact BMS on 1800 290 981 (Aus) / 0800 999 267 (NZ) or email iict@bmsgroup.com

Legal Services

We use a Leading Allied Health law firm offering summary pro bono legal advice to all IICT members. To ensure members are provided with superior legal defence in the event of a claim or complaint.

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.

If you have received a formal complaint or been served with a legal claim, please contact BMS Group directly. Depending on your situation, BMS will arrange for a senior Lawyer to contact you.

The lawyer who you speak with will provide you with free, confidential legal advice in order to try and avoid or reduce the probability of a claim or complaint. The lawyer may consider it appropriate to review the issues and jurisprudence, and then call you back. The advice given will rely upon the accuracy and completeness of the information you provide.

If the event has triggered a claim the leading Allied Health law firm will be appointed as legal counsel to work on your behalf. In the event you do not wish to use the recommended law firm or if the case has a conflict you will be able to retain alternative legal counsel.

Risk Resources

An important element of the insurance program is to promote the best practice and risk management resources to reduce Indemnity risk to you as a Complementary Therapy Practitioner.

In partnership with legal and risk management service providers, we are building a database of specific allied health and medico-legal practice risk resources, tools, advice, and publications to better advance safer client care and Indemnity protection.

Although resources will be available to members only, select example publications will be periodically posted in this section.

Who is BMS Group

BMS is the exclusive broker for the IICT’s 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 400,000 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/global-affinity

If you have any questions about the insurance program contact BMS on 1800 290 981 (AUS) or 0800 999 267 (NZ) or email iict@bmsgroup.com.

Why has the International Institute for Complementary Therapists chosen BMS as their Insurance Partner?

Ensuring IICT 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 International Institute for Complementary Therapists 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 BMS insurance program can be directed to BMS on in writing via iict@bmsgroup.com.

I already have a policy. Can I apply for insurance outside of my membership renewal?

Yes. You can opt back in to the insurance program via the IICT website at any time.

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

Including your business name on your IICT insurance is as easy as noting it during the application process. This is called ‘Business Entity Insurance’ and is covered via the IICT Professional Indemnity and Public and Products Liability policy.

This protects your business in the event the entity is named in an action.

What is Medical Malpractice Professional Indemnity (PI) 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 Complementary Therapist.

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

What is Public Liability (PL) 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.

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. The products covered under the policy must be linked with your approved IICT modalities.

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.

What are the major benefits of the International Institute for Complementary Therapists Member Insurance Policy?
  • Choice of $2,000,000 or $20,000,000 limit of indemnity per claim for Professional Indemnity
  • $20,000,000 limit of indemnity per claim for Public and Products Liability
  • Access to free legal counsel with a leading Allied Health law firm for each enquiry, in the event a complaint is made against you.
  • Cover is provided worldwide (excluding the USA).
  • Unlimited retroactive cover for past activities.
  • Unlimited run-off cover when you have a leave of absence or retire.
  • Cover when working as a subcontractor or agent.
  • Cover whilst temporarily travelling overseas.

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

You can opt out of the IICT program during the application or renewal process. While it’s not compulsory to take up the IICT’s Professional Indemnity and Public and Products Liability Policy, all IICT members must have adequate PI Insurance to be a member of IICT.

Why would I maintain or renew if I am not practicing?

Having a current Professional Indemnity policy in place protects you from a claim that may arise from past activities (retroactive cover). Unlike other insurances, a professional indemnity policy only covers you when you have an active insurance policy (claims made) and won’t provide any cover if your policy is cancelled (even if you held a policy at the time).

What is ‘Run Off’

If during the period of insurance you permanently retire or permanently cease practice of your professional services, your policy will provide ‘Run-Off Cover’ for an unlimited period of time. This benefit can be activated for no additional premium, but only applies if you are permanently ceasing practice. If you are ceasing your practice for the short term due to COVID-19, we would recommend you continue to maintain your current cover to ensure you remain protected.

Do I need to list equipment I use in my practice on my policy? Do I need to check with IICT before using different equipment or apparatus in my practice?

This policy does not cover your equipment.

As long as you are working within your scope of practice, you do not need to confirm with IICT before using specific tools, equipment or apparatus in your practice. If you’re not sure, please email details to BMS for review, via iict@bmsgroup.com.

You may need to consider Business Insurance for additional coverage should your equipment be damaged. Contact BMS for more details.

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

You can contact BMS on 1800 290 981 (AUS) or 0800 999 267 (NZ) or by email at iict@bmsgroup.com.

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 IICT PI Policy has run-off cover, 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 on 1800 290 981 (AUS) or 0800 999 267 (NZ) or via email at iict@bmsgroup.com.

Does this policy cover me when I retire?

Yes. The IICT 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 on 1800 290 981 (AUS) or 0800 999 267 (NZ) or via email at iict@bmsgroup.com.

Will this policy cover my past activities?
Yes. The IICT PI Insurance Policy provides unlimited retroactive cover provided that there are no known and unreported circumstances that may lead to a claim.

Am I covered to work at markets and stalls?

Yes. Members are covered if you are selling products or services at markets, stalls and events. Please note that products being sold must be linked to your approved modalities and must be created/modified/branded by you.

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.

IICT members who participate in the Insurance Program also have peace of mind that they have an individual limit covering their interests as well as access to free legal assistance 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 International Institute for Complementary Therapists?

All IICT members participating in the insurance program have access to free legal council with a leading Allied Health law firm offering summary pro bono legal advice. All eligible members are provided with superior legal defence in the event of a claim or complaint.

IICT members can take advantage of this 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

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

Members should:

  • Immediately report any potential claim to BMS
  • Formally document the incident, including details of those involved
  • Submit any formal statement to BMS
  • Report any regulatory investigations or notice of complaint immediately
  • 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 directly in writing via iict@bmsgroup.com.

    What other insurance products can I purchase?

    Business Insurance
    Business Insurance is designed for Complimentary Therapists, Allied Health and Medical businesses. It covers various general elements of business risk relating to property and interruption to operations; it is comprised of two main sections of cover being Material Damage and 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.

    Personal Accident
    Personal Accident insurance is designed for companies (group cover) or 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 purchase additional insurance products?

    Download an application form from the relevant product page on this site. Once completed, email to BMS to obtain a quote. If you can not locate an application or would like to discuss in more detail, please contact BMS via iict@bmsgroup.com.

    Meet the Team

    Shelley Yiasoumi

    Assistant Account Executive

    Shelley Yiasoumi is actively involved in the BMS service team and brings with her skills and knowledge from her previous role with a healthcare insurance provider. Having been in the Healthcare Insurance industry for a number of years, Shelley brings a bright personality and strong technical skills to ensure all members have a positive experience when contacting BMS.

    Paige Frigo

    Assistant Account Executive

    Paige brings the customer service team a broad experience across different types of insurance, from travel, corporate enterprise and professional indemnity. In her role as assistant account executive, Paige brings a passion and enthusiasm for insurance, balanced with great customer service skills to deliver an informed, warm and friendly service experience.

    Robert Villano

    Principle Broker

    Robert Villano is the Principal Broker of the Australian Affinity office. Rob has more than 15 years of industry experience, with majority of that time spent working closely with small business owners, associations and their members. His passion to provide a truly member centric service and develop sustainable tailored programs has seen him focus his insurance career within the Affinity and SME sector.

    John Cotterill

    Account Manager

    John is an additional Account Manager to answer member enquiries. John originally studied Psychology but found his technical and analytical skills were better applied to the insurance industry. With more than 8 years experience in the industry and inquisitive nature, John is constantly finding ways to improve customer experience and add real value to Associations.

    Shamus Breen

    Managing Director

    Shamus is the Managing Director of the Australian Affinity office. Shamus has more than 20 years of industry experience, having served senior roles at two of the major international brokers in the affinity and healthcare sectors. His passion for creating meaningful member value for associations and its members has seen him focus on this industry throughout his career as an insurance broker.

    About BMS

    BMS Group is the official and exclusive broker for the International Institute for Complementary Therapists 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, New Zealand and Canadian operations provide coverage to more than 400,000 healthcare and regulated professionals through 70+ associations across Australia, New Zealand and Canada.

    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. You can find out more about BMS at  www.bmsgroup.com/solutions/insurance/affinity

    Contact Us

    BMS Risk Solutions Pty Ltd. (BMS Group)
    Level 3,
    360 Little Collins Street
    Melbourne 3000

    Contact Us, Toll Free:
    Aus: 1800 290 981
    NZ: 0800 999 267
    e: iict@bmsgroup.com

    This website is for information purposes only. The policy wording sets out the terms and conditions of the insurance contract, including any exclusions, limitations deductibles, or coverage extensions that may apply. In the event of a claim such terms and conditions may limit the amount of payable or exclude coverage. If you wish to receive a copy of the full policy wording, please contact us.

    Australia Home

    Welcome to the International Institute for Complementary Therapists Member Insurance Program!


    Affordable premiums from:

    Full Time
    $141 to $151

    Dependent on state taxation

    Student
    $77 to $83

    Dependent on state taxation


    Your IICT membership is more valuable than ever before.

    As an IICT member, you now have access to Combined Medical Malpractice Professional Indemnity and Public Liability insurance, along with your annual membership. This insurance will provide:

    • $20 Million in cover for Professional Indemnity per member
    • $20 Million in cover for Public & Products Liability per member
    • Unlimited Retroactive cover
    • Run-off cover

    Contact BMS today for more information on 1800 290 981 or iict@bmsgroup.com

    We have partnered with BMS Risk Solutions Pty Ltd (BMS) to bring members exclusive access, not only to comprehensive and cost-effective coverage. You also have access to increased resources to reduce practice risk, exceptional service for all insurance-related enquiries and the ability to purchase additional insurance products, if needed.

    The International Institute for Complementary Therapists Combined Medical Malpractice Professional Indemnity and Public Liability Policy has been tailored with direct input from industry professionals, to meet the unique practice risks of IICT members.


    What happens if I already have coverage in place?

    If you currently have a Professional Indemnity policy, please provide the date your insurance is due in your Membership renewal application. When you receive your insurance policy expiry notice, you can join the IICT Insurance Program via the IICT Website Member Login. Your insurance and membership will then be combined in one simple payment.

    Here you will find a wide range of information about the IICT Member Insurance Program and have the ability to purchase additional insurance products, including Clinic Package, Cyber Security & Privacy Liability and Personal Accident.

    New Zealand Home

    Welcome to the International Institute for Complementary Therapists Member Insurance Program!


    Affordable premiums from:

    Full Time
    $147.20

    Student
    $80.50


    Your IICT membership is more valuable than ever before.

    As an IICT member, you now have access to Combined Medical Malpractice Professional Indemnity and Public Liability insurance, along with your annual membership. This insurance will provide:

    • $10 Million in cover for Professional Indemnity per member
    • $20 Million in cover for Public & Products Liability per member
    • Unlimited Retroactive cover
    • Run-off cover

    Contact BMS today for more information on 0800 999 267 or iict@bmsgroup.com

    We have partnered with BMS Risk Solutions Pty Ltd (BMS) to bring members exclusive access, not only to comprehensive and cost-effective coverage. You also have access to increased resources to reduce practice risk, exceptional service for all insurance-related enquiries and the ability to purchase additional insurance products, if needed.

    The International Institute for Complementary Therapists Combined Medical Malpractice Professional Indemnity and Public Liability Policy has been tailored with direct input from industry professionals, to meet the unique practice risks of IICT members.


    What happens if I already have coverage in place?

    If you currently have a Professional Indemnity policy, please provide the date your insurance is due in your Membership renewal application. When you receive your insurance policy expiry notice, you can join the IICT Insurance Program via the IICT Website Member Login. Your insurance and membership will then be combined in one simple payment.

    Here you will find a wide range of information about the IICT Member Insurance Program and have the ability to purchase additional insurance products, including Clinic Package, Cyber Security & Privacy Liability and Personal Accident.

    Medical Malpractice Professional Indemnity Insurance

    Medical Malpractice Professional Indemnity Insurance

    Regular interaction with people is a guaranteed part of any Complementary Therapists practice and is a daily occurrence. You may face situations where your clients look to hold you responsible for injuries they deem to have received as a result of your professional services.

    Medical Malpractice Professional Indemnity Insurance (PI) protects you against liability or allegations of liability for financial injury or damages that have resulted from a negligent act, error, omission, or malpractice that has arisen out of your professional capacity as a Complementary Therapist. PI protects Complementary Therapists by ensuring that your legal defence is coordinated and paid for if a claim is made against you. Your PI also covers the cost of patient compensation or damages.


    Your Medical Malpractice Professional Indemnity Insurance also provides you with the following additional coverage:

    Intellectual Property

    We’ve all had that moment; where you think of a brilliant business idea only to find someone has already beaten you to it. What happens if you implement a new idea in your business, only to find out that you have unintentionally copied someone else’s idea? Your IICT Insurance policy protects you against any alleged or actual (and unintentional) infringement of a copyright, trademark, registered design or patent.

    Criminal Proceedings Costs

    Coverage provides reimbursement to an insured member for defence costs if any criminal proceedings are brought against them in relation to the performance of their professional services rendered in Australia; provided the member is acquitted or found ‘not guilty’ of the criminal charge.

    Public Relations Expenses

    Reputation can mean the success or failure of a business. As an IICT Member participating in the Insurance Program, you have access to cover for costs involved with engaging a Public Relations Consultant, to work with you to maintain your public image where an allegation is made regarding the quality of your professional services which may lead to a claim.

    Advance Claim Protection

    Coverage is provided for an insured member to engage preliminary legal services and advice prior to an incident being formally accepted as a claim under the policy.


    Are you a practice owner?

    A Pilates Instructor employed by you runs a Reformer Pilates class. A participant in the class claims that inadequate supervision of class participants led to them sustaining a back injury.

    The patient takes action out against the employee who ran the class, you (the Individual) as the owner of the studio who provided the treatment, and your Pilates Studio (business entity) for not having adequate processes in place to ensure adequate supervision.

    Your IICT Insurance Policy responds to your legal costs to defend your liability, and if entity coverage is taken, your IICT policy will also respond to cover the legal defence costs in respect of your business entity.

    It is important to note that you IICT policy will not respond to any costs associated with the action against professional employees, they will need to maintain individual Professional Indemnity coverage.

    Please contact BMS 1800 290 981 or email iict@bmsgroup.com to learn more about entity coverage and to apply for cover today.

    Medical Malpractice Public Liability

    Medical Malpractice Public Liability Insurance

    Medical Malpractice Public Liability Insurance covers you for actual or alleged negligence caused by you or your employees which results in bodily injury or property damage to a third party. Even if you are found to be not guilty in a court proceeding, your policy will still respond to cover your legal defence costs.

    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. Even if you are found to be not guilty in a court proceeding, your policy will still respond to cover your legal defence costs.

    Medical Malpractice Public Liability Claim Example:

    A Pilates Instructor runs small group Pilates classes out of their studio. In an earlier class a client spilled some water on the floor from their water bottle and did not bring it to the Instructor’s attention. As the next group prepare for the class in the room, an elderly participant slips on the wet floor, causing the patient to fracture their hip. Action is taken by the patient against the Pilates instructor and it is found through investigation that the Pilates Instructor was negligent as they should have checked the room for any hazards prior to the next class starting. They are found liable for the damages and their Medical Malpractice Public Liability policy responds to pay.

    Products Liability Claim Example:

    A Complementary Therapist sells essential oils to their clients. The essential oils are made by the Complementary Therapist. Due to the sale of undiluted essential oils, they receive a complaint from a patient about burns to their arms and neck. Action is taken out against the Complementary Therapist for the supply of a dangerous product, and their Products Liability policy responds to defend them and pay any settlement.

    Clinic Package Insurance

    Clinic Package Insurance

    Do you own or operate a Complementary Therapy Business practice?
    Do you have a business lease obligation to insure for glass breakage?
    Do you have expensive equipment or stock that you store in your practice?

    IICT members have exclusive access to discounted Clinic Package insurance with coverage designed to meet the specific needs of Complementary Therapy practice owners.

    Clinic Package Insurance is designed for Complementary Therapy 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 of cover:

    Section Covers
    Property Damage Covers buildings, business property, stock and machinery for fire, storm damage and other perils.
    Theft Covers theft of business property and stock in trade.
    Glass Covers all glass types for the replacement value and signage.
    Money Covers loss of or damage to money stored on or off site, as well as money in transit.
    Equipment Breakdown Machinery Breakdown covers the mechanical breakdown of machinery (i.e. air conditioning units, refrigeration units, etc.). Electronic Equipment Breakdown covers the costs associated with an electronic breakdown of computers and peripheral office equipment (i.e. a power surge or fusion).
    Business Interruption Cover for loss of income in the event your business operations are hindered following an insured Material Damage peril. Also includes benefits for Additional Increased Costs of Working which provides cover for additional costs to maintain normal operation of your business (including leasing alternative premises, advertising costs, and equipment leasing and additional staff).

    Apply for Coverage

    Please complete and return the application form or call BMS today on 1800 290 981 (Aus) or 0800 999 267 (NZ) to receive a quote for Clinic Package Insurance.

    Download Form (.pdf)

    Cyber Security & Privacy Liability Coverage

    Cyber Security & Privacy Liability Coverage

    If you’ve got data, you’ve got risk. Cyber security is one of the fastest growing areas of risk, and the Complementary Therapy Health sector is not immune. Cyber Liability coverage responds to various losses resulting from but not limited to, stolen credentials, malware, phishing and social engineering and insider threats.

    The insurance cover responds to:

    • Third party claims against you;
    • Business interruption and costs to restore your data;
    • Notify of the breach.

    We provide the option to purchase comprehensive Cyber Security & Privacy Liability Insurance with limits of up to $1,000,000 for Complementary Therapy Practice and their clinics, with premiums starting at $300.00 (excluding charges).

    Cyber Security & Privacy Liability Claim Example

    A Pilates Instructor Studio’s network was infected with a virus that was received via a phishing email which was opened by an employee by mistake; this allowed the hacker to gain access to the clinic’s website.

    The Studio’s Cyber Liability Insurance responds to cover forensic IT costs to determine the extent of the breach and loss to data, Forensic accounting to determine any interruption to operations and loss of income, costs to remove the virus and to reinstate the insured’s data and systems. The total expenses incurred were $17,000.

    Apply for Coverage

    Please complete and return the application form or call BMS today on 1800 290 981 (Aus) or 0800 999 267 (NZ) to receive a quote for Cyber Liability Insurance.

    Download Form (.pdf)

    Personal Accident

    Personal Accident

    For many of us, suffering a serious injury or illness whilst at work can put you under severe financial strain. BMS are able to provide comprehensive Personal Accident coverage for individuals who:

    • Work as contractors
    • Are sole traders or business owners
    • Are looking for additional security to their employer’s workers compensation policy

    Having a Personal Accident Policy in place will ensure financial relief in the event you suffer an unforeseen injury or become ill and you are unable to work for a period of time.

    Coverage offered through BMS Group protects you 24 hours a day, 365 days a year and includes weekly benefits for temporary disability or sickness.

    There are 3 limit options to choose from:

    Option 1 Option 2 Option 3
    Death & Capital Benefits (lump sum benefit) $100,000 $200,000 $300,000
    Weekly Accident & Sickness 85% of weekly salary up to $1,000 85% of weekly salary up to $2,000 85% of weekly salary up to $3,000
    Benefit Period up to 104 weeks up to 104 weeks up to 104 weeks
    Excess Period 7 Days 7 Days 7 Days
    Premiums from $600 + charges $960 + charges $1,440 + charges

    Best Doctors Advice Service

    BMS has partnered with Accident and Health Insurance who provide access to medical advisory firm Best Doctors at no additional cost. Best Doctors provide policyholders with access to a global network of 50,000 medical specialists who can work closely with individuals to provide diagnosis, second opinions and treatment options to assist a policyholder facing any injury, illness or medical condition (whether covered by this insurance policy or not).

    This service is entirely confidential, is not reported to insurers and extends to the policyholder’s children, partner, parents and in-laws.

    This service can assist with many areas of medical advice, including:

    • If you receive a diagnosis but want to be 100% sure it is correct
    • If you need advice on what treatment plan to follow
    • If you are looking for the best local specialist for an in-person consultation
    • If you have a medical question but want to ask a professional, not surf the web
    • If you are confused about a medical condition and need access to thorough and reliable information
    • In addition to specialist advice, policyholders will also receive access to an online portal to obtain everyday medical advice.

    Apply for Coverage

    Please complete and return the application form or call BMS today on 1800 290 981 (Aus) or 0800 999 267 (NZ) to receive a quote for Personal Accident Insurance.

    Personal Accident Application (.pdf)


    For additional information, FAQs and case studies, please click here:

    Personal Accident FAQs (.pdf)

    Management Liability

    Management Liability

    Management Liability is a package policy which covers actions and conduct of the insured company and its Directors and Officers for day to day operating of the business.

    Management Liability covers multiple risk exposures through its 6 main coverage sections, including:

    • Stakeholder Actions
    • Fraud
    • Unfair Dismissal
    • Investigations
    • Complex Taxes
    • Regulatory Actions
    Coverage Section Description
    Directors & Officers Liability Cover for wrongful or negligent acts by Directors and Officers of the company in execution of their duties.
    Corporate (Entity) Liability Cover to the business entity for wrongful or negligent acts committed in the operation of the business
    Employment Practices Liability Cover to Directors, Officers and Managers of the insured company for claims made against them by employees.
    Statutory Liability Protection against statutory breaches, most commonly Work Health & Safety prosecutions, fines and penalties.
    Crime Covers the insured company for internal or external misappropriation or fraud of money or property through fraudulent means.

    With coverage limit options up to $5,000,000, you can ensure your business and its directors are protected.


    Apply for Coverage

    Please complete and return the application form or call BMS today on 1800 290 981 (Aus) or 0800 999 267 (NZ) to receive a quote for Management Liability Insurance.

    Download Form (.pdf)

    In the Event of a Claim

    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 a member receives a formal notice or statement of claim, the notice must be reported in writing to the insurer immediately. Please refrain from making any written or oral statements to the claimant, unless the insurer advises to do so. Please do not offer to compensate a client as such action could interfere legally with the management of a claim.

    Should a member seek independent legal services for a potential claim, any fees associated with such services may not be recuperated under the policy limits unless notice has been provided to the insurer before such legal representation commences.

    In the event of a potential claim or if a member is formally served with a statement of claim, members 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

    Members who are aware of a potential claim should contact BMS on 1800 290 981 (Aus) / 0800 999 267 (NZ) or email iict@bmsgroup.com

    Legal Services

    Legal Services

    We use a Leading Allied Health law firm offering summary pro bono legal advice to all IICT members. To ensure members are provided with superior legal defence in the event of a claim or complaint.

    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.

    If you have received a formal complaint or been served with a legal claim, please contact BMS Group directly. Depending on your situation, BMS will arrange for a senior Lawyer to contact you.

    The lawyer who you speak with will provide you with free, confidential legal advice in order to try and avoid or reduce the probability of a claim or complaint. The lawyer may consider it appropriate to review the issues and jurisprudence, and then call you back. The advice given will rely upon the accuracy and completeness of the information you provide.

    If the event has triggered a claim the leading Allied Health law firm will be appointed as legal counsel to work on your behalf. In the event you do not wish to use the recommended law firm or if the case has a conflict you will be able to retain alternative legal counsel.

    Risk Resources

    Risk Resources

    An important element of the insurance program is to promote the best practice and risk management resources to reduce Indemnity risk to you as a Complementary Therapy Practitioner.

    In partnership with legal and risk management service providers, we are building a database of specific allied health and medico-legal practice risk resources, tools, advice, and publications to better advance safer client care and Indemnity protection.

    Although resources will be available to members only, select example publications will be periodically posted in this section.

    FAQ's
    Who is BMS Group

    BMS Group is now the exclusive broker for the IICT’s 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 400,000 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/global-affinity

    If you have any questions about the insurance program or IICT Indemnity Policy, contact BMS at 1800 290 981 (Aus) / 0800 999 267 (NZ) or email iict@bmsgroup.com.

    Why has the International Institute for Complementary Therapists chosen BMS Group as their Insurance Partner?

    Ensuring IICT 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 International Institute for Complementary Therapists 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 via the membership area on the IICT website. Click here

    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 1800 290 981 (Aus) / 0800 999 267 (NZ).

    What is Medical Malpractice 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 Complementary Therapist.

    The IICT 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.

    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.

    What are the major benefits of the International Institute for Complementary Therapists Member Insurance Policy?
    • 20,000,000 Limit of indemnity per claim for Medical Malpractice Professional Indemnity and Public Liability, and an annual limit of $60,000,000.
    • Access to free legal counsel with a leading Allied Health law firm for each enquiry, in the event a complaint is made against you.
    • Cover is provided worldwide (excluding only the USA).
    • Unlimited retroactive cover for past activities.
    • Unlimited run-off cover when you have a leave of absence or retire.
    • Cover when working as a subcontractor or agent.
    • Cover whilst temporarily travelling overseas.

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

    You can opt out of the IICT program during the application or renewal process. While it’s not compulsory to take up the IICT’s Medical Malpractice Professional Indemnity and Public Liability Policy, all IICT members must have adequate PI Insurance to be a member of IICT.

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

    You can contact BMS and the team of Senior Brokers on 1800 290 981 (Aus) / 0800 999 267 (NZ) or by email at iict@bmsgroup.com.

    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 IICT PI Policy has run-off cover, 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 on 1800 290 981 (Aus) / 0800 999 267 (NZ) or via email at iict@bmsgroup.com

    Does this policy cover me when I retire?

    Yes. The IICT 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 on 1800 290 981 (Aus) / 0800 999 267 (NZ) or via email at iict@bmsgroup.com.

    Will this policy cover my past activities?

    Yes. The IICT 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.

    IICT members who participate in the Insurance Program also have peace of mind that they have an individual $20,000,000 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 International Institute for Complementary Therapists?

    All IICT members participating in the insurance program have access to free legal council with a leading Allied Health law firm offering Summary pro bono legal advice. To ensure all eligible members are provided with superior legal
    defence in the event of a claim or complaint.

    IICT 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

    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 immediately
    • 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 any 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 1800 290 981 (Aus) / 0800 999 267 (NZ) or iict@bmsgroup.com.

    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 2
    main sections of cover being Material Damage and 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.

    Personal Accident
    Personal Accident insurance is designed for companies (group cover) or 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.

    Journey Cover
    Journey Insurance provides cover in the event that you are injured on your commute to and from work. This is a typical exclusion to many workers compensation policies, which would leave majority of employees uninsured and left to mange
    expenses should they be unable to work for an extended period of time.

    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 IICT Insurance Policy extended to include your business entity. Contact BMS on 1800 290 981 (Aus) / 0800 999 267 (NZ) or email iict@bmsgroup.com to find out more about business entity insurance and
    apply for cover.

    This will act as an extension to your IICT 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 can not locate an application or would like to discuss in more detail, please contact BMS at iict@bmsgroup.com
    or on 1800 290 981 (Aus) / 0800 999 267 (NZ).

    Meet the Team

    Meet the Team

    Shelley Yiasoumi

    Assistant Account Executive

    Shelley Yiasoumi is actively involved in the BMS service team and brings with her skills and knowledge from her previous role with a healthcare insurance provider. Having been in the Healthcare Insurance industry for a number of years, Shelley brings a bright personality and strong technical skills to ensure all members have a positive experience when contacting BMS.

    Paige Frigo

    Assistant Account Executive

    Paige brings the customer service team a broad experience across different types of insurance, from travel, corporate enterprise and professional indemnity. In her role as assistant account executive, Paige brings a passion and enthusiasm for insurance, balanced with great customer service skills to deliver an informed, warm and friendly service experience.

    Robert Villano

    Principle Broker

    Robert Villano is the Principal Broker of the Australian Affinity office. Rob has more than 15 years of industry experience, with majority of that time spent working closely with small business owners, associations and their members. His passion to provide a truly member centric service and develop sustainable tailored programs has seen him focus his insurance career within the Affinity and SME sector.

    John Cotterill

    Account Manager

    John is an additional Account Manager to answer member enquiries. John originally studied Psychology but found his technical and analytical skills were better applied to the insurance industry. With more than 8 years experience in the industry and inquisitive nature, John is constantly finding ways to improve customer experience and add real value to Associations.

    Shamus Breen

    Managing Director

    Shamus is the Managing Director of the Australian Affinity office. Shamus has more than 20 years of industry experience, having served senior roles at two of the major international brokers in the affinity and healthcare sectors. His passion for creating meaningful member value for associations and its members has seen him focus on this industry throughout his career as an insurance broker.

    About BMS

    About BMS

    BMS Group is the official and exclusive broker for the International Institute for Complementary Therapists 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, New Zealand and Canadian operations provide coverage to more than 400,000 healthcare and regulated professionals through 70+ associations across Australia, New Zealand and Canada.

    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. You can find out more about BMS at  www.bmsgroup.com/solutions/insurance/affinity

    Contact Us

    Contact Us

    BMS Risk Solutions Pty Ltd. (BMS Group)
    Level 3,
    360 Little Collins Street
    Melbourne 3000

    Contact Us, Toll Free:
    Aus: 1800 290 981
    NZ: 0800 999 267
    e: iict@bmsgroup.com

    This website is for information purposes only. The policy wording sets out the terms and conditions of the insurance contract, including any exclusions, limitations deductibles, or coverage extensions that may apply. In the event of a claim such terms and conditions may limit the amount of payable or exclude coverage. If you wish to receive a copy of the full policy wording, please contact us.