Why this cover matters

Not every professional risk ends with physical harm. As an osteopath, you can face complaints about consent, communication, documentation, privacy, or clinical decision-making. Regulatory bodies like the Health and Disability Commissioner (HDC), the Osteopathic Council of New Zealand (OCNZ), and the Privacy Commissioner can investigate you - even when no injury occurred and ACC is not involved.

Professional indemnity insurance through Affiliated Insurance is designed to cover the legal and professional costs that arise in exactly these situations.

What this policy is designed for

Affiliated Insurance professional indemnity insurance is specifically structured for osteopathic practice. Cover includes:

• Immediate legal support from the moment a complaint is made - no need to wait until it escalates
• Coverage for complaints with no injury - where ACC plays no role (e.g. HDC, Privacy Commissioner, OCNZ)
• Representation at disciplinary hearings and tribunals
• Support in false allegations, communication misunderstandings, or boundary concerns
• Coverage for ethical or legal breaches - like privacy breaches, improper referrals, or notes mismanagement
• Access to professional advice before things escalate

At $280 + GST annually, this is an exceptional group rate for high-quality, osteopath-specific protection. This cover is exclusively available to ONZ members.

For more details about the breadth of cover provided by your Osteopaths Liability Insurance policy, contact Affiliated directly: email info@affiliated.nz, call 04 479 8451, and speak to James or Aaron.

Why Through ONZ?

We don't offer this insurance as a product - we offer it as part of our commitment to supporting osteopaths.

ONZ is the only osteopathic body in Aotearoa focused entirely on:

• Elevating the profession
• Protecting practitioners
• Ensuring credible, transparent representation

Affiliated Insurance supports that mission in action. It's not a standalone service - it's one of many ways ONZ supports you as a member, alongside advocacy, professional development, strategic partnerships, and peer connection.

You don't join ONZ just to get insurance, but this cover is only available at an affordable rate because you are a member.

If you're an osteopath in New Zealand, this is the right insurance policy for your profession - and it's only available through the organisation working to protect and promote that profession every day.

Next Steps

1. Join ONZ, not just to be covered, but to be connected, represented, and future-focused. 
Become a Member →

2. Email Aaron or James at Affiliated Insurance for cover - info@affiliated.nz