Business Insurance

... will depend on the nature of your business and what areas you think you are the riskiest for you. Pick and choose the cover options that suit you best. And you can include Public Liability Insurance to ensure you are not ...

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Business Insurance in Wollongong

... and occupations Public Liability insurance can cover, the cost of it can vary greatly. This is due to several factors including: The type and nature of your business Your business turnover and size ...

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Business Insurance on the Central Coast

... pay around  $ 68.66 a month **for a  Business insurance policy. Public Liability insurance is one of the most popular types of insurance for businesses. In fact, it is arguably important for almost every ...

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How much does Business Insurance cost?

... , as well as financial loss due to business interruption. There is also the option to include your Public Liability cover in a Business Insurance pack. The beauty of Business Insurance is that it can be tailored to ...

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Statutory Liability

... What’s covered & what’s not Things to consider Back to Business Insurance Statutory Liability* Statutory Liability insurance covers the company, senior management and employees for allegations of wrongful breaches ...

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What is Business Insurance?

... , theft and accidental damage of office equipment, such as chairs, desks and computers. Public Liability Insurance which covers your business against the legal costs of a claim for injury or damage to the property of ...

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Business Interruption

What’s covered & what’s not Things to consider Back to Business Insurance Business Interruption Cover* Most small business owners like to prepare for unexpected events by insuring their premises, contents or ...

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Business Insurance in Bunbury

... specified circumstances.  In addition, cover is available for public liability, tax audit, employment practices and statutory liability risks. Business Insurance is an insurance package designed to provide cover for your ...

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Business Insurance in Melton

... pay  $ 79.55 ** a month for  their business insurance package . Business  insurance is one of the most popular types of insurance for small businesses in Melton . In fact, it is arguably important ...

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Business Insurance in Parramatta

... pay $71.30 * * a month for  their business insurance package . Business  insurance is one of the most popular types of insurance for small businesses in Newcastle . In fact, it is arguably important ...

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Business Insurance in Toowoomba

... $60.97 ** per month for  t heir business insurance packages . Business  insurance is one of the most popular types of insurance for small businesses in Toowoomba . In fact, it is arguably important ...

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Business Insurance in Townsville

... Insurance package can also cover your portable equipment, glass and for loss of revenue due to business interruption in specified circumstances. In addition, cover is available for public liability, tax audit, employment ...

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Business Insurance in Launceston

... in Launceston pay  $ 52.8 **for  their business insurance packs . Business  insurance is one of the most popular types of insurance for businesses in Launceston . In fact, it is arguably important ...

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Business Insurance in Mackay

... around  $ 68.55 ** per month for  their bu siness insurance package . Business  insurance is one of the most popular types of insurance for businesses in Mackay . In fact, it is arguably important for ...

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Business Insurance on the Gold Coast

... on the Gold Coast pay  $ 75 a month ** for  their business insurance , which is one of the most common types of insurance for small businesses on the Gold Coast . In fact, it is arguably important for ...

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Business Insurance in Cairns

... pay around $73.93 * * a month for a Business insurance package . Business insurance is one of the most popular types of insurance for small businesses in Cairns. In fact, it is arguably important for ...

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Business Insurance in Bundaberg

... pay around $60.51 * * a month for a Business insurance policy . Business insurance is one of the most popular types of insurance for small businesses in Bundaberg. In fact, it is arguably important for ...

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Business Insurance in Newcastle

... around  $ 71.06 ** per month for  their business insurance  p ackage . Business insurance is one of the most popular types of insurance for small businesses in Newcastle . In fact, it is arguably ...

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Business Insurance in Geelong

... damage). A Business Insurance package can also ... liability, tax audit, employment practices and statutory liability risks. According to the Australian Bureau of Statistics ,1 there are 1 7, 603 small businesses ...

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Common Small Business Insurance Claims and How to Prevent them.

If you are a small business owner you know that things ... your business and your bottom line. Whilst you've got the insurance ... ... Here are some of the most common BizCover Business Insurance customer claims, and tips on how to ... the broken freezer, investing in a backup generator. Liability Claims Another common claim seen all too often is ...

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Business Insurance the Smart Way

... compare and buy cover that suits all kinds of start-ups and small businesses - over 6,000 occupations. BizCover instantly provides multiple insurance quotes online and you can select and purchase the right cover, at the ...

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Professional Attire Insurance

... hat better than a member of the Village People? There's now a revolutionary solution; Professional Attire Insurance, that covers you for any damage to your professional uniform, offering a rapid replacement service for ...

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Employment Practices Liability

... covered & what’s not Things to consider Back to Business Insurance Employment Practices Liability Cover* Employment Practices Liability (EPL) Insurance is designed to help employers minimise the risk and potential ...

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Business Insurance FAQs

... ! Check out our library of FAQ's designed to make insurance easy to understand. Get Free Quotes Ready to sort out your Business Insurance? Your small business is a big deal to us. Get the right cover ...

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Machinery Breakdown

What’s covered & what’s not Things to consider Back to Business Insurance Machinery Breakdown* This insurance covers the cost to repair or replace specified machinery following a breakdown. Did you know? ' ...

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Portable Equipment

... ’s covered & what’s not Things to consider Back to Business Insurance Portable Equipment* Portal Equipment insurance (also known as General Property insurance) covers you for loss and damage to items of portable ...

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Theft

What’s covered & what’s not Things to consider Back to Business Insurance Theft Cover* This option can cover your contents and stock from theft, attempted theft or armed hold up. It is not uncommon for theft ...

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Money

What’s covered & what’s not Things to consider Back to Business Insurance Money Cover* Money insurance protects your business money (which will include not only cash and cheques, but also items such as lottery ...

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Goods in Transit

What’s covered & what’s not Things to consider Back to Business Insurance Goods in Transit* Goods in Transit covers (subject to a specified limit) loss or damage to goods owned by you which are damaged in ...

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Legal Requirement for Public Liability Insurance

Public liability insurance covers your business for losses or damage to ... result of your business' activities. Failure in obtaining public ... Recall; or Punitive Damages. However, this is only a basic list as to what public liability insurance covers and a policy should be tailored to a business' needs based on the risk areas identified in consultation ...

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Cyber Liability Insurance: the safety net small businesses need

... Australia and especially to small businesses. The reality is, no small ... ... the best security systems are vulnerable to breaches. By implementing a few basic preventative measures and robust Cyber Liability insurance, small business' are ensuring they are able to survive cyber-attacks, now and ...

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Insurance for Carpenters

... completed by you or your business or any refund of the fees charged by you to complete the job. Insurance for Carpenters Public Liability One of the basic types of insurance carpenters need to consider is ...

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Home Based Business Insurance

... Photographer Writers Web developer Insurance for Home Based Businesses Public Liability* One of the basic insurances to consider is Public Liability insurance. Public Liability  insurance is designed to ...

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5 Tips for getting the best Public Liability insurance for your business

... a sole trader or small business owner, there's no doubt ... of protecting your business and your customers with Public Liability insurance ... owner, there's no doubt you're aware of the importance of protecting your business and your customers with Public Liability insurance . It offers protection should a customer, supplier, or even member of the public ...

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5 Things to Consider When Buying Public Liability Insurance

Public Liability insurance. It's one of those ... appropriate cover for your business? Not all Public Liability policies are the ... ... gyms and fitness studios. For those that are currently renting their business premises, your landlord may require you have a Public Liability insurance policy in place. 4. Take the time to compare quotes ...

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What Tradies Need to Know About Public Liability Insurance

... most common types of insurances for tradies, but do ... and outs of Public Liability insurance and what you need ... is Public Liability insurance ... financial consequences of a claim could not only put you out of business but jeopardise your personal finances too. Public Liability insurance covers your back when things don ‘ t quite go plan. As a ...

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Top 5 Reasons for Having Professional Indemnity and Public Liability Insurance

... worked hard to build your business, so it makes sense to ... maintain Professional Indemnity and Public Liability insurance. #1 Protection against ... worked hard to build your business, so it makes sense to protect it. Below are the top 5 reasons NHAA members should hold and maintain Professional Indemnity and Public Liability insurance . #1 Protection against ...

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Business Interruption Insurance: Your 'Get Out of Jail Free' Card

... cripple your business and effectively 'lock up' operations. Business interruption insurance can provide ... lucky country, but sometimes your ... s etc. Relocation – If what most policies call an 'Additional Increase Cost of Working' is included, Business Interruption insurance may take care of both the moving costs and rent if a new property is required ...

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Public Liability Insurance in Perth

... 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 for almost ...

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Public Liability Insurance in Rockhampton

... in Rockhampton pay $35.40 **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 for ...

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Public Liability Insurance in Mandurah

... in Mandurah pay $28 **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 for almost ...

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Public Liability Insurance in Hobart

... in Hobart around $29.30 **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 for ...

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Public Liability Insurance in Darwin

... in Darwin pay around $30.80 **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 for ...

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Public Liability Insurance in Brisbane

... in Brisbane pay around $55 **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 for ...

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Public Liability Insurance in Adelaide

... in Adelaide pay around $37.50 **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 for ...

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Public 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 for ...

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Public Liability Insurance for Cabinet Makers

... up your tools. Protecting your business against unplanned challenges, like an ... with the right kind of business insurances in place. Regardless ... of cover required. What can happen if your business is left uninsured? Public Liability insurance is a common type of business insurance that different kinds of businesses take out as protection. Operating as an ...

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Management Liability Insurance

... the advice or service you provide to your clients, Management Liability insurance covers the risks that arise from running your business. For example: OH& S dramas Unfair Dismissal Sexual Harassment Statutory ...

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Allied Health Combined Liability Insurance

... is home-based, the Public Liability insurance provided under your Home and Contents insurance may exclude claims relating to your business activities. *As with any insurance, cover will be subject to ...

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Information Technology Liability Insurance

... injured or sustains property damage as a result of your negligent business activities. Product Liability insurance extends protect your businesses against claims by third parties relating to property damage or personal ...

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How much does Public Liability Insurance Cost?

... can expect to pay around $63.53 per month^ for Public Liability insurance. Public Liability insurance is one of the most popular types of insurance for businesses. In fact, it is important for almost every kind of ...

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What is Public Liability Insurance?

Do I need public liability insurance? Claim Example What is Public Liability Insurance?* Public Liability insurance protect s your business if a customer, supplier or member of the public is injured or ...

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Do I need Public Liability insurance?

... can legally operate, Even though it's not required by law for most businesses, all small businesses should r hold Public Liability insurance to protect them against personal injury caused to a third-party or damage to ...

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Cyber Liability Insurance

... in 2018 it might be time to bite the bullet and get the right cover for your business. i Cyber Liability insurance * is designed to help protect you from claims and support your profitability in the event ...

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Public Liability Insurance Scenario

Just imagine: A phone call out of the blue. The caller has a voice you don't recognise. He's telling you he is hurt - badly - and you're responsible. You hang up. He ... avoided altogether in just a few minutes online. What Janine needed was public liability insurance or insurance that protects you and your business from being found liable to a third party for loss, injury or damage ...

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What is Product Liability Insurance?

Do I need Product Liability Insurance? What is  Product Liability Insurance? Product Liability insurance * protects your businesses against claims by third parties relating to property damage or ...

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The Risky Business of Insurance

... Costs to Australian Small Business? Small business owners tend to be ... and future planning. Managing business risk and ensuring that a . ... have” insurance: Public Liability – protects against legal and court costs in the event that someone is injured, or has their property damaged while you are providing a service to them. Every business should have ...

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Insurance for Architects

... ll have regular contact with clients, contractors and the general public. 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 ...

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7 Surprising ways business insurance can help your company

Operating your own business often means wearing many hats ... making important decisions about your business every day. From managing the ... thought ... that you need to consider, but the effect upon your business reputation too. One of the common types of business insurance to consider is Public Liability insurance* . It provides peace of mind and is designed ...

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Insurance for pharmacy and pharmacists

... Indemnity and Public Liability insurance provides cover for legal liabilities arising from your practice as a pharmacist and your busines s activities there are other elements of your business that may ...

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The difference between Public Liability and Professional Indemnity insurance

... most common types of business insurance, but do you ... protect your business. What is Public Liability insurance*? Public Liability Insurance ... a look at these two different forms of cover and how they can protect your business. What is Public Liability insurance * ? Public Liability Insurance is designed to provide protection for you and your ...

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The Other Virus - Making Your Small Business Cybersafe When Working From Home

... s another virus plaguing small business owners working remotely cyber ... -crime. Small business owners and staff need to ... that can damage their ... with all details regularly checked and verified. How Cyber Liability insurance * can protect your small business Cyber Liability insurance* is designed to help protect you from claims and ...

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Business Insurance Guide for the Self-Employed - Part 4

... final piece of our Business Insurance for the self-employed ... Accident and Illness insurance and Cyber Liability insurance. We share the In the final piece of our Business Insurance for the self-employed guide, we take a look at Personal Accident and Illness insurance and Cyber Liability insurance. We share the ins and outs of why self-employed workers ...

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Protecting your Business from Cyber Risks - Part 2

... your business from a cyberattack. We also explain what Cyber Liability insurance ... it as part of your business security plan. Tips to stay ... risk series , we take a look at what steps you can take to protect your business from a cyber – attack. We also explain what Cyber Liability insurance is and why you should consider it as part of your ...

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Insurance for Bakers

... occur in a bakery which makes Public Liability an important type of insurance to consider. Public Liability insurance is designed to provide protection for you and your bakery business in the event a customer, supplier ...

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BizCover SME Insurance Price Index Q1 FY20

... price reductions on their Public Liability insurance, while prices have remained steady ... ... (Professionals) in the price of their Public Liability insurance for the most recent quarter. This contradicts the ... changes for SMEs when it comes to their business insurance, commenting “While costs may be rising for ...

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Business Insurance Guide for the Self-Employed - Part 1

... plans for success. Any solid business plan should have a focus ... strategies and protection for your business for the long haul. From ... , there ... of the main types of business insurances on the market . Starting with Public Liability insurance. What is Public Liability Insurance? Public Liability insurance  provides protection* for  you and ...

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7 Types of Insurance Your Small Business Should Consider

If you own a small business, there's no denying one ... assets is Small Business Insurance. But what kind of insurance do you actually ... it ... information on your computers or laptops, you should think about holding a Cyber Liability policy. Cyber Liability Insurance protects your business in the event of a cyber attack. Whether your website is hijacked and ...

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What are some types of insurance available for small businesses?

... important consideration is getting your business insurance sorted. There are many kinds ... to getting your insurance sorted because no two businesses ... specified circumstances.  In addition, cover is available for public liability, tax audit, employment practices and statutory liability risks. Business Insurance options can be tailored to suit the nature of your ...

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Public Liability WA

... ’s included & what’s not? Get the right cover Public Liability Insurance cost Here's the lowdown on WA public liability insurance As a small business owner in Western Australia you already have a lot on your ...

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Public Liability NSW

... ’s included & what’s not? Get the right cover Public Liability Insurance cost Here's the lowdown on NSW public liability insurance* As a small business owner in New South Wales you already have a lot to worry ...

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Public Liability QLD

... ’s included & what’s not? Get the right cover Public Liability Insurance cost Here's the lowdown on QLD public liability insurance* As a small business owner in Queensland you already have a lot to worry about ...

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A Mumpreneurs Guide to Understanding Business Insurance

... parenthood while running your own business is anything but an easy ... ... you sell products that you make, you may need to consider Product Liability insurance. Product Liability insurance protects your businesses against claims by third parties relating to property damage or personal injury ...

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Insurance for Car Wash and Auto Detailers

... equipment to trigger a claim . T hat’s where Public Liability insurance comes into play. Public Liability insurance is designed to protect your business in the event a customer, supplier or a member of ...

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Insurance for Cafes

... of cover is available through BizCover, between $5 million and $20 million. Insurance for Cafes Public Liability Insurance* Your business deals with members of the public every day from customers dining at your ...

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Insurance for Furniture Manufacturers

... When you run your own business, there is a lot ... wrong. This is where business insurance comes into play and should ... business' risk management ... together) are two types of business insurance to think about when protecting your business. Public Liability  insurance is  intended to provide protection for you and your business in the event a customer ...

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Insurance for Civil Engineers- what you need to know

... think about what kinds of business insurance coverage you may need to ... ... types of risks. Public Liability insurance Civil Engineers should also consider Public Liability insurance. Public Liability insurance is designed to provide protection* for you and your business in the event a ...

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Insurance for Gift Shops

... tripping on stock that was left on the floor. Having the right Public Liability insurance will give you peace of mind. Business Insurance* Your customers are important but so is your stock, shop contents, and ...

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Insurance for Hair & Beauty Services

... - these all mean your business accidents. Fortunately, this is where Public Liability insurance can provide peace of mind and protection for your business. Business Insurance* Your customers are important, but ...

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Insurance for Consultants

... is a no brainer for all types of consultancy services. 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 ...

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Insurance for Victorian Plumbers

... options to consider. Here are a few of the more common ones: Public Liability It's one of the fundamental types of business insurance plumbers need to consider and is designed to provide protection for you and your ...

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Insurance for Landscapers

... a chance for things to go belly up. That's where Public Liability insurance comes into play . Public Liability protect s you and your business in the event a customer, supplier or a member of the public ...

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Insurance for Retailers

... caused by the products you sell. Many Public Liability policies include Product Liability cover. Business Insurance* Your customers are important, but so are your business assets. Without the right cover, you could ...

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Understanding Insurance for Real Estate Agents

... kinds of insurance you may require to keep your business [] ... ... implications for your business if there was a breach or it was s tolen or hacked could be devastating. Get peace of mind with Cyber Liability insurance . Cyber Liability insurance is designed to help ...

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BizInsure Capitalizes on the Paradigm Shift in Commercial Insurance!

... insurance model that connects independent professionals and small businesses to critical Professional Liability ... (E&O) insurance ... find no easier, more affordable, more convenient way to procure reliable Professional Liability (E&O) insurance. BizInsure - business insurance just got smarter! About BizInsure BizInsure is the most convenient and ...

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Insurance for IT Professionals

... hacked or subject to ransomware attack? Perhaps you should consider if Cyber Liability insurance is right for your business. A cyber liability insurance policy is designed to help protect you from claims and support your ...

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Dishing up the facts on food business insurance

... whether you have the right business insurance. When it comes to insuring ... your small food business, sometimes it can feel like ... ... selection to also include as part of your overall business insurance plan. What types of insurance should food businesses consider? Public Liability Insurance Dishing up food and beverages to the public ...

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Keep calm and stretch on with Yoga Teacher insurance

... of arranging your yoga teacher insurance go. As a yogi or ... to protect your business. Let us centre your insurance chakra by exploring ... suppliers or members of the public when you go about your business, there is always the risk of an accident happening, and that's why Public Liability insurance is equally important for yoga teachers. If a student (or ...

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The business of Business Insurance*

Whether you have just served your first customer or you have been in your business for many years, you have put a lot of time and effort into building your business. Don’t risk wasting all this effort by not protecting your business assets from unexpected events. No matter how much you plan and prepare for things, sometimes there are circumstances that are out of your control – you need to ensure you have a plan to protect your business today to ensure you’ll be in business tomorrow.

Business Insurance can provide financial cover for your business, including the premises and contents, against loss, damage or theft as well as cover against any resulting financial loss from an insured interruption to the business. The type of cover and amount will depend on the nature of your business and what areas you think you are the riskiest for you. Pick and choose the cover options that suit you best. And you can include Public Liability Insurance to ensure you are not financially responsible for the costs of a legal claim should a third party get injured or suffer property damage whilst you are doing business.

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What is included?

A) Material damage loss for your physical assets

B) Financial loss due to Business Interruption

Choose cover options below!

What is typically NOT covered?

  • Negligence/breach of duty arising from an act, error or omission as a result of your professional services
  • Flood damage is generally excluded from standard policies
  • Known claims and circumstances

Download Business Insurance Fact Sheet

Link to Business Insurance Factsheet

Get the cover that is right for you

Your business may be considered ‘small’ but it’s big to you and big to us. That’s why we want to make sure you have the right protection. We offer various cover options to suit a variety of businesses.  Take a few minutes to consider some of the following risk areas and think about which ones impact you and how much cover your business would need should things not quite go to plan.

*As with any insurance, cover is subject to the terms, conditions and exclusions contained in your policy document.  The information contained on this webpage is general only and should not be relied upon as advice.