Ensuring NZOHA members have access to 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 NZOHA Member Insurance Program.
Yes, you can purchase insurance at any time by contacting BMS.
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 on 0800 999 267.
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 an Oral Health Therapist.
If you are unsure whether you hold NZOHA Professional Indemnity Insurance, please contact BMS at 0800 999 297 or email nzoha@bmsgroup.com
Yes. Student members are eligible for the NZOHA Member Insurance Program provided they are working within their scope of practice and are under supervision.
You can contact BMS on 0800 999 267 or by email at nzoha@bmsgroup.com.
No. There is no cover when you are providing your services to family members.
The NZOHA Member Insurance Policy is a claims made policy. This means the policy only provides cover for any prior acts as long as you have an active policy at the time of a claim. Therefore it’s important to ensure you have a policy in place should you take a leave of absence (leave where you’ll likely return to work at some stage). This will ensure you’re covered should a claim arise during this time.
Yes. The NZOHA 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 0800 999 267 or via email at nzoha@bmsgroup.com.
Yes. The NZOHA Insurance Policy complys with and exceeds all requirements set by the Dental Council New Zealand.
Yes. The NZOHA PI Insurance Policy provides retroactive cover, provided you held equivalent cover as at the date of the performance of the professional services, and that there are no known and unreported circumstances that may lead to a claim.
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:
NZOHA members who participate in the Insurance Program also have peace of mind that they have an individual $10,000,000 limit covering their interests as well as access to legal assistance with a senior lawyer for each potential issue that arises.
Having your own individual policy also ensures you are covered if you want to work while transitioning from one employer to the next.
Members should
Members should not
If you are aware of a potential claim you should contact BMS directly on 0800 999 267 or nzoha@bmsgroup.com.
Business Insurance
Business Insurance is designed for Allied Health & Medical businesses. Cover can be customised to your business needs and can include: Property Damage, Business Interruption, Theft, Money Glass, General Property, Electronic Equipment Breakdown, Machinery Breakdown, Tax Audit and Employee Fraud.
General Liability
General Liability insurance is designed to cover you and your business against the financial implications if you are found liable for loss or damage to other people's property, or cause illness or injury that is not covered by the Accident Compensation Commission (ACC).
Statutory Liability
Statutory Liability will cover you for insurable fines, penalties, or reparations that you are ordered to make by the Courts. The environment is highly regulated in New Zealand which means that if your company or organisation unintentionally breaches an Act of Parliament like the Health and Safety at Work Act, the Consumer Guarantees Act, the Building Act, the Privacy Act, the Resource Management Act, or the Fair Trading Act, you could be held liable.
Employers Liability
Employers' liability is designed to protects employers against claims brought against them or the business by their employees who have sustained an injury in the course of their employment where Accident Compensation Commission (ACC) does not provide cover. Cover is extended to settlements or damages including defence costs, as a result of an employee suffering bodily injury arising out of their employment.
Contact BMS for a quote on 0800 999 267 or via email, nzoha@bmsgroup.com.