Insurance Information

Welcome to the  Australian Spiritual Alliance
Membership Insurance Package

 Your Australian Spiritual Alliance membership is now more valuable than ever before.

The Australian Spiritual Alliance has partnered as a Distributor with an exciting insurance provider, BMS Risk Solutions Pty Ltd (BMS).

BMS is the official and exclusive broker for the Alliance 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 Alliance 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 program provides for comprehensive limits of:

  Level 1 Insurance   Level 2 Insurance
  a) $  1,000,000  Professional Indemnity   a) $  5,000,000  Professional Indemnity
  b) $20,000,000 Public & Product Liability   b) $20,000,000 Public & Product Liability
  c)  Extras, as per Policy   c)  Extras, as per Policy

NOTE:  Both Insurance Levels 1 and 2 are available to Memberships types –

  B1  Concession Adults with a Government Concession Card
  B2  Adult Adults of legal age
  B3  Group 1 A group having 2 to 5 nominated Team Members
  B4  Group 2 A group having 6 to 10 nominated Team Members

Highlights of the New Broader policy include: –

  • 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
  • Loss of Documents
  • Statutory Fines and Penalties

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

Public Liability (PL) 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.

Product Liability Insurance protects against claims of personal injury or property damage caused by products sold or supplied through your business. It is designed to help protect your business by ensuring that if this happens, you don’t have to pay any legal or court costs.

As a Complimentary Therapists, 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.  With your Alliance Professional Indemnity insurance in place you can be assured BMS are here to make sure your claims experience is as simple and straight ford as possible.

In the Event of a claim

Prompt claims’ reporting is critical to the process of bringing claims to a successful resolution. Members who are aware of any actual or potential claim must report it immediately to both the Alliance and BMS. If you receive an Audit or other Investigation, Complaint or Letters of Demand, Communications from the Board and any other issue related to your practice where you may be in dispute, the notice must be reported in writing to BMS immediately and copied to the Alliance.

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 and the Alliance 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, additional policies or coverage requirements such as; Management Liability, Property Cover, General Property, Voluntary Workers, Personal Accident Cover, Associations Liability, or have any questions regarding the Alliance Professional Indemnity & Public Liability Insurance Policy, contact BMS at 1800 931 070 or email


BMS Risk Solutions Pty Ltd
L3 360 Little Collins Street, Melbourne
T:   1800 931 070