The AHANA Member Insurance Program

BMS Risk Solutions Pty Ltd (BMS) is AHANA’s exclusive insurance partner. Practising Member (Provisional), Practising Member (General) and Practising Member (Certified) members who are residents of Australia and over 18 years of age can apply for insurance under the AHANA Member Insurance Program. See Insurance FAQs for further information.

The AHANA Member Insurance Program offers Professional Indemnity Insurance, and Public & Products Liability Insurance with four policy limit options.

Policy Limit Options*:

Option 1 – up to $196.60 per annum including fees and charges
- Professional Indemnity: $1,000,000 ($3,000,000 in the aggregate)
- Public & Products Liability: $1,000,000 ($3,000,000 in the aggregate)
Option 2 – up to $236.90 per annum including fees and charges
- Professional Indemnity: $2,000,000 ($6,000,000 in the aggregate)
- Public & Products Liability: $2,000,000 ($6,000,000 in the aggregate)
Option 3 – up to $264.00 per annum including fees and charges
- Professional Indemnity: $5,000,000 ($15,000,000 in the aggregate)
- Public & Products Liability: $5,000,000 ($15,000,000 in the aggregate)
Option 4 – up to $476.30 per annum including fees and charges
- Professional Indemnity: $20,000,000 ($60,000,000 in the aggregate)
- Public & Products Liability: $20,000,000 ($60,000,000 in the aggregate)

* Prices vary by state due to stamp duty and could be lower. Price quoted is for SA-based members. Prices include base premium payable to the insurer plus all applicable taxes, duties and levies which will be outlined before you pay for the insurance.

Other features include:

Retroactive cover
Nil excess
Inquiry and proceedings costs

Run-off cover if you permanently cease practice or retire. Can be activated via BMS.

Eligible members can apply for insurance using a secure link via the above members-only webpage, after being granted a practising membership. Please note it is a requirement of the insurance policy that you hold an active practising membership with AHANA, are an Australian resident and over 18 years of age.

You must be a current AHANA member to be eligible for the AHANA member insurance program. You must be part of the AHANA member insurance program in order to access additional cover. If your membership ceases you will not be offered renewal when your policy expires. In arranging this insurance for our members AHANA is acting as a distributor of BMS Risk Solutions Pty Ltd (BMS) AFSL 461594, ABN 45161187980. This insurance policy is issued by BMS under a binder with Certain Underwriters at Lloyd’s. When acting under a binder BMS is acting as agent for the insurer and not as your agent. This is general advice only and BMS has not considered whether it was suitable for your particular objectives, needs or financial situation. Please read the Policy Wording and the BMS Terms of Engagement which contains the Financial Services Guide before making a decision about purchasing this policy. AHANA may receive a percentage of the commission paid to BMS by the insurer and/or a fee per policy.