Commercial Liability Insurance
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How much does Public Liability Insurance Cost?
... here. Given the various industries and occupations Public Liability insurance can cover, also means the cost of it ... You can see from the results below that commercial cleaning businesses are one of the occupations with ...
read morePublic Liability
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read moreWhat does Public Liability Insurance cover?
... very expensive (the example above could easily cost well over $ 50 , 000 ) , and not having Public Liability insurance means you could well end up paying for the claim straight from your back pocket . Bear in mind that ...
read moreHow much Public Liability insurance do I need?
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read morePublic Liability Insurance In Rockhampton
... to provide the financial protection your business deserves. W hat does P ublic L iability insurance cover ? Public Liability insurance covers claims for personal injury suffered by a third party (such as a customer ...
read morePublic Liability Insurance In Port Macquarie
... in Port Macquarie pay $26.30 **per month for a Public Liability insurance policy. Public Liability insurance is one of the most popular types of insurance for businesses. In fact, it is likely to be very important ...
read morePublic Liability Insurance In Perth
... businesses in Perth pay $33.80 **per month for a Public Liability insurance policy. Public Liability insurance is one of the most popular types of insurance for businesses. In fact, it is likely to be very important ...
read morePublic Liability Insurance In Mandurah
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read morePublic Liability Insurance In Hobart
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read morePublic Liability Insurance In Darwin
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... to provide the financial protection your business deserves. W hat does P ublic L iability insurance cover ? Public Liability insurance covers claims for personal injury suffered by a third party (such as a customer ...
read morePublic Liability Insurance In Adelaide
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read morePublic Liability Insurance Explained
... result of a claim. For some types of businesses, it may also be a legal requirement to have Public Liability insurance in place before starting on the job. Sometimes a specific minimum level of cover may be specified, so ...
read moreDo I Need Public Liability insurance?
... a government or private client contract, or as part of a lease agreement for renting commercial property. Do I need Public Liability Insurance if I have a home-based business? Running your business from home can bring a ...
read moreHow much does Public Liability Insurance cost for Tradesmen?
... Plasterer Commercial Air Conditioner Installation and Repair *As with any insurance, ... expect to pay around $50 or less per month for Public Liability insurance. However, increase the turnover to $250,000 or more, and ...
read moreHow much does Public Liability Insurance Cost for Restaurants & Cafe?
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read morePublic Liability Insurance in QLD
... purposes, when signing a contract to work with a client, or to lease commercial space for your business.Public Liability insurance does not cover professional services, such as mistakes or errors in your work, missed ...
read moreWho is Covered Under an IT Liability Policy?
... to commercial contracts between consultants and clients requiring these insurances in addition to professional indemnity. The benefit of having professional indemnity, products liability and public liability contained ...
read moreInsurance for Carpenters
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read moreA sole traders and freelancers guide to business insurance
... level of Public Liability insurance in place. ... insurance provider. What is Business Insurance? Business Insurance * is an insurance package designed to provide cover for your business contents, stock, tools and commercial ...
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read moreBusiness Insurance on the Central Coast
... Insurance is an insurance package designed to provide cover for your business contents, stock, tools and commercial ... Business insurance policy. Public Liability insurance is one of the most popular types of insurance for ...
read moreChecklist for renewing commercial insurance for 2024
... product lines annually may consider revisiting their Product Liability coverage . 4. Did you buy new business equipment in the last year? The rates for Commercial Property insurance are based on the type and amount of ...
read moreInsurance for Cleaners
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read moreBizInsure Capitalizes on the Paradigm Shift in Commercial Insurance!
... and independent professionals. Today the company offers competitive Professional Liability (E&O) insurance and plans to roll out more lines of commercial insurance to meet the growing needs of modern business. For ...
read moreLawpath: Minimum Insurance Coverage Amounts in Contracts
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read moreWhat types of insurance do you need for a cleaning business?
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read moreInsurance for Flooring Installler
... company. If you lease commercial space for your business (such as a workshop, warehouse, or office), Public Liability may be required. Your landlord will likely request proof of your insurance before they agree to lease ...
read moreQLD Electricians Licence and Insurance Requirements
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read moreBusiness Insurance in Townsville
... a trade license, work with specific clients, or lease commercial space. However, a policy can be useful even if it's not required. Public Liability insurance helps you manage third-party claims of injury or property ...
read moreInsurance for Hair & Beauty Services
... and you're your commercial premises. Business Insurance is an insurance package designed to provide cover ... your home-based salon for example, Public Liability insurance is something worth considering. If a customer were ...
read moreSole Trader Insurance
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read moreEarthmoving and Excavators Insurance
... some popular ones: Public Liability* Public Liability insurance is a common insurance coverage for all types ... stock and tools to your commercial buildings and their contents. Business Insurance packages can be customised ...
read moreFinding the right business insurance can be hard but BizCover makes it easy
... Business insurance can protect you in the event something goes wrong. It can also protect your commercial property ... items of stock. Management Liability insurance* Management liability insurance * protects directors and ...
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read moreInsurance for Software Developers
... Liability provides protection when you're working in a client's offices or other premises. It may also be required by clients and may also be mandatory if you lease commercial space for your business. Business Insurance ...
read moreBusiness Insurance in Geelong
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read moreInsurance for Glaziers
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read moreInsurance for the Self Employed
... activities. If you lease a commercial workspace (such as an office, shop, or warehouse), your landlord may require you to have a Public Liability policy. Professional Indemnity insurance If you provide clients with a ...
read moreBenefits of insurance for small businesses
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read moreWhat are some types of insurance available for small businesses?
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read moreInsurance for Landscapers
... Liability insurance may also be a requirement to join trade associations. Business Insurance* Business Insurance is a package designed to provide cover for your business contents, stock, tools and commercial premises ...
read moreInsurance for Bakers
... you know? If you are renting your business premises, part of your commercial lease may require you to take out glass cover. Insurance for bakers Public Liability Accidents can easily occur in a bakery which makes Public ...
read moreInsurance for Retailers
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read moreInsurance for Gift Shops
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read moreInsurance for Victorian Plumbers
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read moreProfessional Indemnity Insurance And Public Liability Insurance
... and dishonesty Accidental injury and property damage ( these kind of claims would typically be covered by Public Liability insurance ) How Much Cover Should I have ? With BizCover you can choose policies with levels of ...
read moreWhat’s the difference between Public and Product Liability insurance?
... when it comes to protecting your small business with Public and Product Liability insurance. What is Public Liability insurance*? Public Liability insurance is designed to provide protection for you and your business in ...
read moreA sole traders guide to understanding Public Liability Insurance
... a requirement. If you are renting your business premises, you may need to have a minimum level of Public Liability insurance in place as part of your rental agreement It may be a requirement to become a member of certain ...
read moreWhat is Management Liability Insurance and Who Needs It?
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read moreTop tips for buying Management Liability Insurance
... associated with a tax audit by the ATO, such as accountancy fees. 6. Cyber Liability Insurance: Cyber Liability insurance helps protect your small business from claims and supports your profitability in the event of a ...
read moreLegal Requirement for Public Liability Insurance
... your business and as such is advisable to have public liability insurance. Legal Requirement for Public Liability Insurance Although public liability insurance is not a statutory requirement, most small to medium sized ...
read moreDoes Public Liability insurance cover employees?
... covered for? If you didn't, then you may have made some assumptions about what your Public Liability insurance covers. Some small business owners may believe that PL covers their employees if their injuries are caused ...
read moreWhat tradies need to know about Public Liability Insurance
... a minimum level may be needed as part of the process. Make sure you also have proof of your Public Liability insurance policy ready to show too. Some of the not so typical work sites which you may also still be required ...
read morePublic Liability Insurance NSW
... ! The last thing you want to think about is paying for unexpected accidents - they do happen! Public Liability insurance is designed to provide protection for you and your business in the event a customer, supplier or a ...
read morePublic Liability Insurance WA
... last thing you want to think about is paying for unexpected accidents - but they do happen. Public Liability insurance is designed to provide protection for you and your business in the event a customer, supplier or a ...
read moreCyber Liability Insurance
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read moreInformation Technology Liability Insurance
... is a combined policy that offers the protection of both Professional Indemnity and Public and Products Liability insurances*. It's designed to give you peace of mind, addressing the potential overlap of the professional ...
read morePublic Liability Insurance NSW
... exposure to potential risks, so there isn't a standard price for Public Liability insurance. The most accurate way to find out how much Public Liability insurance is going to cost your NSW business is by having a chat to ...
read more5 reasons to consider cyber liability insurance for your business
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... ! The last thing you want to think about is for unexpected accidents - but they do happen. Public Liability insurance is designed to provide protection for you and your business in the event a customer, supplier or a ...
read moreAllied Health Combined Liability Insurance
... . For many allied health professionals, holding a Professional Indemnity policy is a registration requirement Public Liability Insurance Regardless of whether you work from your own practice or out and about, when you're ...
read moreManagement Liability Insurance
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read moreHow much does Combined Liability Insurance Cost for Allied Health Professionals?
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read moreDon’t let your business be an online target – what you need to know about Cyber Liability Insurance
... laptop or a USB in a taxi is an example of how easily a breach can happen. Cyber Liability insurance can provide financial protection by covering: Forensic investigation costs to find the issue Data r ecovery costs Ex ...
read moreTop 5 reasons for having Professional Indemnity and Public Liability insurance
... accidentally injure someone or cause property damage, you face the risk of legal action. Public Liability insurance protects you against claims from customers or other third parties by covering any compensation awarded ...
read more5 tips for getting the best Public Liability insurance for your business
... to make a claim against you. As cliché as it sounds, accidents happen. If you don't have Public Liability insurance you face the risk of being out of pocket for hefty legal and compensation costs that can potentially ...
read moreCyber Liability Insurance: the safety net small businesses need
... damage to your business by covering the expenses and legal costs that are associated with breaches. Cyber Liability insurance won't prevent an attack, but it will help businesses to manage the event effectively and be ...
read more5 Things to Consider When Buying Public Liability Insurance
... saving if the policy does not provide your business the sufficient coverage it needs. 3. Am I required to have Public Liability insurance cover ? Each S tate and T erritory ha s its own set of laws when it comes to legal ...
read morePublic Liability Insurance for Cabinet Makers
... not only gives you peace of mind knowing that there is protection in place for when disaster strikes, Public Liability insurance may also be a requirement if you are working under a contract or as a condition of entry to ...
read moreProduct Liability Insurance
... injury or property damage as a result of a product defect can be expensive, and without the right Product Liability insurance you could find yourself in hot water. If you operate as a sole trader, you will potentially be ...
read more5 things to consider when purchasing business insurance
... available to protect your business: Public Liability insurance* : Public Liability insurance is an important type of insurance cover for retail shop owners. Public Liability insurance is designed to help protect you and ...
read moreHome Based Business Insurance
... Promise Compare quotes instantly from some of Australia's leading insurers Compare quotes from our trusted insurance partners: Public Liability Insurance Cost What's included & what's not? Get the right cover FAQ's Why ...
read moreWhy some tradies should consider Professional Indemnity insurance
... get back to doing what you do best. What's the difference between Professional Indemnity insurance and Public Liability insurance? More than 10,000 plumbers, electricians, and carpenters currently sort out their business ...
read moreBusiness Insurance Guide for the Self-Employed – Part 4
... This allowed him to recover without worrying about his lost income. Cyber Liability What is Cyber Liability insurance? Cyber Liability insurance* is designed to help protect you from claims and support your profitability ...
read moreInsurance for hospitality business
... , as well as machinery breakdown and business interruption events such as power outages Management Liability Insurance Insurance that covers risks that may occur during the course of running your hospitality business ...
read moreProfessional Indemnity Insurance for Consultants
... example, at some point you may want to add business insurance or public liability insurance for your own protection. When you buy a Professional Indemnity insurance policy, it usually is a good idea to look around until ...
read moreBizCover named a 5-Star Insurance Innovator for 2022
... before. The scope currently includes the ability for certain occupations to buy Professional Indemnity insurance and Public Liability insurance with more slices of functionality to be added in the coming months. Justin ...
read moreReviews related to Commercial Liability Insurance
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So quick and easy to purchase liability insurance from a range of insurers. Very happy customer!!
Shirley M McIntosh
Trades & Services -
Great Price on my Liability insurance
James M
Trades & Services -
Easy very fast and efficient, 1st timer on public liability insurance
Les K
Door Or Window Wholesaling -
I have never purchased public liability insurance so I had no idea about anything. I rang Biz cover and spoke to Patrick who was super helpful and explained everything to me in a simple way that was easy to understand, I believe that I have also received
Simona F
Kitchen / Bedroom / Bathroom Furniture Manufacture & Installation -
So quick and easy to purchase liability insurance from a range of insurers. Very happy customer!!
Shirley M
Food wholesaling nec -
very easy to get my public liability insurance done within minutes!! Thanks.
Troy M
Landscape Construction
Public Liability insurance
Public Liability insurance is one of the most common types of business insurances that a variety of different small businesses choose to take out. It is there to provide protection if someone makes a claim against the insured, the business or its employees. Claims from a third-party can be for personal injury or damage caused to their property caused by your business activities.
Here’s the lowdown on Public Liability insurance*
As a small business owner you already have lots to worry about. From paying your employees to getting stock delivered on time to generating new work opportunities – the list is endless! But have you taken the time to think about what an accident involving a third party could mean for your business?
As a small business owner, you have a legal responsibility to take reasonable steps for the safety of your customers, suppliers, community and their property. Public Liability Insurance is designed to provide protection for you and your business in the event a customer, supplier or a member of the public are injured or sustain property damage as a result of your negligent business activities.
Public Liability Insurance also provides assistance with the legal costs associated with managing claims that are covered by the policy.
What kind of businesses need Public Liability insurance?
In a nutshell, if your business is interacting with any third parties like customers, suppliers and members of the public on a regular basis, then you may need to consider Public Liability insurance. The chance of Public Liability insurance claim can be hard to predict, but if it were to occur, the costs to your business could be extremely costly and potentially enough to send you out of business.
An example of some of the typical types of businesses that may take a Public Liability insurance policy include:
- Trades
- Professionals
- Wholesalers
- Manufacturers
- Travel and tourism
- Office based
What is typically included?**
Compensation for:
- Compensation costs for the personal injury suffered by a third party (e.g. a customer, supplier or member of the public)
- Compensation for damage to property owned by a third party due to your negligent business activities
- The legal and defence costs associated with a covered claim
- Compensation for damage of third-party goods not owned by you which are in your care, custody or control
What is typically not covered?*
- Injuries to your employees
- Damage to your own property
- Costs of rectifying faulty workmanship or product recall
- Professional negligence
- Contractual liability
- Events occurring before or after the policy period
- Aircraft products
- Asbestos
- Liquidated damages
- Gradual pollution
- Punitive damages- where the insured acted so badly that extra damages were awarded
- Liabilities assumed under contract which the insured would not be liable for at common law
Get the right cover
Your Cover Options
With BizCover you can choose from 3 limits of liability (levels of cover): $5million, $10 million or $20 million.
Policies are tailored to the unique needs of individual businesses. One business may require a different amount of cover compared to another.
When deciding on how much cover you should have a think about factors like:
- Do any of your contracts require a minimum level of public liability cover?
- Has your industry body set a minimum level of public liability cover for membership?
- Does your business or trade licence require a minimum amount of public liability cover?
- What kind of accidents could occur due to your business operations and what could be the potential cost of a claim?
Why choose BizCover for your Public Liability insurance?
Built for small business
We know insurance and what makes small businesses tick
Clear and competitive pricing
You can compare and choose from a range of highly competitive prices right there on your screen. Seriously.
Cover to match your needs
You can tailor policies from selected Australian insurers to suit the needs of your business, and we are there to help!
Real people adding real value
Our friendly service team is on hand and on a mission to make you smile!
Frequently Asked Questions on Public Liability Insurance
Small business owners on average in the 2018/19 Financial Year paid around $63.53 per month^ for Public Liability insurance through BizCover. Public Liability Insurance is one of the most common types of insurance for businesses.
When it comes to the pricing of Public Liability insurance, there isn’t a one price fits all. There are a variety of industries and occupations, each with different risk factors that can impact the pricing greatly. Some of these key factors include:
- The type and nature of your business
- Your business turnover and size
- The amount of insurance cover your business needs
Additional factors that determine the cost of your Public Liability insurance policy include:
- The location of your business
- What is included and excluded in your policy
- The insurance provider you choose
The most accurate way to find out the cost for your business is to simply get an instant online quote.
| *We know, sometimes you just want a quick idea of how much your insurance is actually going to cost. However, it’s important to note that the data included within this article was sourced from BizCover’s Australia wide customer data for all “pay by the month” public liability policies purchased through BizCover during 2018/19 Financial Year and is intended as a guide only. It may not reflect pricing for your particular business as individual underwriting criteria will apply. Get a hassle-free quote for your business here. |
Public Liability insurance is designed to provide protection* for you and your business in the event a customer, supplier or a member of the public are injured or sustain property damage as a result of your negligent business activities.
While it is not a legal requirement in Australia for most businesses, there are some situations where it may be mandatory for you to have you an active Public Liability policy before you can operate. For example, it may be a contractual requirement to have before you are allowed “on site”.
No matter how much care you may take, if your business interacts with clients, suppliers or members of the public, there is always the potential for a claim to occur.
You may need to consider Public Liability cover if any of the following apply to your business:
- You have customers, suppliers or members of the public who visit your business premises, e.g. diners who visit your cafe, or clients who visit your office, whether in a commercial building or home-based office
- You manufacture and/or sell any kind of products, e.g. food, beauty products, furniture, clothing or household items
- Working at your client’s site, e.g. a tradesperson carrying out repairs or work in other people’s homes
- If your business hosts or participates in public events, like a stand at a tradeshow attended by members of the general public
One of the first things to consider when calculating which level of Public Liability insurance your business may need is to think about the risks your business faces and any industry or contractual requirements involved.
While it would be nice to be told the exact amount of cover you should have, the decision is ultimately up to you.
If you work with contracts, these commonly stipulate the minimum amount of Public Liability cover your business must hold to comply with the contract. Professional bodies and industry associations may also require members to maintain a minimum amount of Public Liability insurance to become a member or to meet licensing requirements.
Take the time to consider the amount of work that you perform and the appropriate amount of financial protection you would need in the event a Public Liability claim is made against you.
With BizCover there are three levels of cover (limits of liability) available to select: $5 million, $10 million or $20 million.
The appeal of having the freedom to be your own boss is why so many Australians operate as a sole trader, but it is not one that comes without its own risks. Unlike working for a company, the reality is when things go wrong and a claim is made, you could be held responsible and it’s your back pocket that could be left financially destroyed.
An unplanned event could not only put your personal finances in havoc, but you could end up shutting up shop for good. Fortunately, with the right insurance in place, not only will you have a solid financial safeguard in place, but protection for your hard-earned reputation too.
Public Liability insurance is a popular type of insurance amongst sole traders. As a small business owner you have a legal responsibility to take the right steps to create a safe environment for third-parties when they interact with your business.
Public Liability insurance is designed to provide protection for you and your business in the event a customer, supplier or a member of the public become injured or sustain property damage as a result of your negligent business activities.
The short answer? No. Each type of insurance provides specific cover for very different kinds of business risks.
Business insurance* is an insurance package designed to provide cover for your business contents, stock, tools and commercial premises when an insured event occurs (such as fire, storm, theft or even accidental damage). A Business insurance package can also cover your portable equipment, glass and for loss of revenue due to business interruption in specified circumstances. It also offers the option of selecting public liability cover but that is not automatically included.
Public Liability* insurance is designed to provide protection for you and your business in the event a customer, supplier or a member of the public are injured or sustain property damage as a result of your negligent business .
If your business manufacturers or sells products you may also need to consider Product Liability insurance. Product Liability insurance* protects your businesses against claims by third parties relating to property damage or personal injury caused by your products. It typically forms part of a Public Liability policy.
Public Liability insurance can be purchased as a stand alone product or as part of a Business insurance package.
One of the first steps you need to take in lodging a claim (or to report a circumstance which may lead to a claim) is to complete a claim form – please click here to download.
To assist with the processing of your claim and to avoid delays, please attach all the supporting documents you have, which may include original invoices, receipts, manuals, pictures, reports and replacement quotes.
Once you have completed the form, email it to: claims@bizcover.com.au and we’ll manage the process directly with the insurer.
Public Liability and Professional Indemnity insurance both offer different types of cover, for different kinds of risks your business may be exposed to.
Public Liability insurance is designed to provide coverage for legal fees and compensation costs if a customer, member of the public, or a supplier claims against you for injury or damage to their property as a result of your alleged negligent business activity*.
This differs from the type of coverage Professional Indemnity insurance* provides. Professional Indemnity insurance focuses on protecting you against losses claimed by a third party due to alleged or actual negligence or errors in your professional services or advice. Professional Indemnity insurance will meet the associated compensation payable to a third party together with your defence costs (which can include legal costs, investigator costs and expert fees).
If your business requires having clients visit your premises, or you going to visit them, providing your advice and services, then Public Liability and Professional Indemnity insurance may be two important forms of coverage your business needs to consider.