NZOHA Member Insurance

NZOHA is partnered with BMS to offer the NZOHA Member Insurance program. The program offers a range of comprehensive insurance solutions to meet your professional needs, and of course give you peace of mind.

BMS is part of the wider BMS group which is dedicated to providing coverage and value-added services to associations and their members. The BMS group provides cover to healthcare and regulated professionals through associations across Australia, Canada, Europe and New Zealand. This experience gives BMS a unique insight and ability to create and deliver significantly enhanced and continuously evolving member centric insurance programs.

What cover is available to you?

Professional Indemnity (PI) Insurance for oral health practitioners
You may face situations where your patients look to hold you responsible for injuries they believe are due to your professional services. This is where Professional Indemnity (PI) insurance can step in.

Professional Indemnity (PI) 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 duty. PI helps to ensure 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.

Features include*:

  • $10M Professional Indemnity insurance cover per claim

  • Retroactive cover

  • Worldwide cover (excluding USA)

  • Optional Public & Products Liability Insurance via BMS

It’s important to note that this cover is provided on a “claims made” basis, which means you must have coverage at the time a claim is made against you, regardless of when the “incident” took place. Therefore, you must maintain continuity of professional indemnity cover by renewing your policy annually to ensure you remain protected.

Optional extension for Botox (botulinum toxin) or dermal filler

If you provide (or are considering providing) Botox and/or dermal filler services to patients, you may wish to extend your cover to include this.

If you are part of the NZOHA Member insurance program, cover can be provided at an additional cost for the application of Botox and/or dermal filler. 

You must be adequately trained in cosmetic injectables to undertake these activities. Products must be used in line with manufacturer’s instructions. Platysmal bands Botox treatment is excluded from the cover.

Contact BMS via email at for more information or to apply for cover.

Additional cover

If you currently hold Professional Indemnity insurance with BMS, additional cover is available to you. This includes Entity Insurance.

Entity Insurance for oral health practitioners

It’s possible for your business to be named in a complaint involving your business or an employee at any point in time. In this type of situation, entity insurance could help.

Entity insurance is professional indemnity and public liability insurance for your business. In the event your business is named in a complaint, this type of cover could step in. 

Entity cover is useful if:

  • you’re a Sole Trader or have a business name but no employees; or

  • if you have a business that employs staff, contractors and/or casual workers.

To purchase Entity Insurance, speak to a BMS broker by emailing

How do I get cover?

As long as you hold a current NZOHA membership you can get cover with BMS. To set up a Professional Indemnity Insurance policy, simply log in to your NZOHA member portal, navigate to the Member Insurance Program and apply for cover using the dedicated NZOHA BMS link.

To purchase cover extensions or additional cover, please contact BMS directly.  For more information, speak to a BMS broker at  or call 0800 999 267.


*Read the Policy Wording for full details on cover features and inclusions. Cover for Botox and/or dermal filler and Entity Insurance is not automatically included in the NZOHA Member Professional Indemnity Insurance policy. You must be a current NZOHA member to be eligible for the NZOHA member insurance program. In helping to arrange this insurance for our members, NZOHA is acting for BMS Risk Solutions (NZ) Limited (BMS), FSP 696531, NZBN 9429047279339. This insurance policy is issued by BMS under a binder arrangement with Certain Underwriters at Lloyd’s. Unless you have been given a FAP disclosure document with your quote, no advice is provided by BMS and BMS has not considered whether the insurance is suitable for your particular objectives, needs or financial situation. Please read the Policy Wording and FAP Disclosure Statement before making any decision about purchasing this policy. NZOHA may receive a percentage of the commission paid to BMS by the insurer and/or a fee per policy.


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