Basic Business Liability Insurance

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Business Insurance

... Web developer Common types of insurance for home based businesses Public Liability* One of the basic insurances to consider is Public Liability insurance.  Public Liability  insurance is designed to provide protection ...

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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 of key ...

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Business Interruption Cover*

... Business Interruption policy is the indemnity period, also known as the period of restoration/ liability. ... , Blondies, in 2017. Business Interruption insurance helped saved her business by maintaining her cash flow ...

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Business Insurance FAQs

... cover? What is Goods in Transit cover? What is Product Liability Insurance? What is Product Liability Insurance? Ready to sort out your Business Insurance? Your small business is a big deal to us. Get the right cover by ...

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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 suit ...

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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 Insurance on the Central Coast

... 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 kind of ...

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Business Insurance In Wollongong

... 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 The amount of insurance cover your business ...

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Business Insurance in Townsville

Public Liability Insurance In Townsville Trusted by over 100,000 small businesses Compare quotes instantly from some of Australia's leading insurers Choose from a range of covers to suit your business needs Compare ...

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Professional Attire Insurance

... insure you never look bad again. Cover for split pants, tears and even skid marks. Compare quotes from our trusted insurance partners: Do you normally make Frank Sinatra look like a hobo in a suit? Do you rock a hard hat ...

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Employment Practices Liability

... s 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 cost ...

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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 on the Gold Coast

... range of covers to suit your business needs Compare quotes from our trusted insurance partners: Business insurance* for Gold Coast Small Businesses Business Insurance is an insurance package designed to provide cover for ...

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Business Insurance in Toowoomba

... in Toowoomba pay $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 for ...

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Business Insurance in Parramatta

... 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 for almost ...

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Business Insurance in Newscastle

... pay 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 important for ...

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Business Insurance in Melton

... 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 for almost ...

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Business Insurance in Mackay

... a range of covers to suit your business needs Compare quotes from our trusted insurance partners: Business Insurance for small businesses in Mackay Business Insurance is an insurance package designed to provide cover for ...

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Business Insurance in Launceston

... range of covers to suit your business needs Compare quotes from our trusted insurance partners: Business Insurance* for Small Businesses in Launceston Business Insurance is an insurance package designed to provide cover ...

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Business Insurance in Geelong

... a range of covers to suit your business needs Compare quotes from our trusted insurance partners: Business Insurance* for Geelong businesses Business Insurance is an insurance package designed to provide cover for your ...

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Business Insurance in Cairns

... 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 almost every ...

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Business Insurance in Bundaberg

... a range of covers to suit your business needs Compare quotes from our trusted insurance partners: Business Insurance* for Bundaberg businesses Business Insurance is an insurance package designed to provide cover for your ...

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Business Insurance the Smart Way

... , no paperwork, no delays Use code SMART50 for $50 off Compare quotes from our trusted insurance partners: BizCover is all for small business We help clients compare and buy cover that suits all kinds of start-ups and ...

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No Dramas

... quicker than you think. These are some insurance options you might want to consider: Public Liability insurance* : Public Liability insurance   provides cover for your business in the event a customer, supplier or ...

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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 equipment ...

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Theft Cover*

... 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 insurance to require the item stolen ...

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Money Cover*

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 tickets, ...

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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 transit by road ...

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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? 'Breakdown' ...

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Legal Requirement for Public Liability Insurance

... 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 with ...

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Understanding business insurance for bookkeepers

... will explore Professional Indemnity insurance in greater detail below, outlining the basic details of what the coverage ... your negligent business activities and claim against you. Public Liability Insurance also provides ...

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Insurance for Carpenters

... . These are a few to consider to keep your business safe as houses. Public Liability One of the basic types of insurance carpenters need to consider is Public Liability insurance *. It provides cover for legal fees and ...

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Home Based Business Insurance

... shops 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 provide ...

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Why do some small businesses fail?

... Public Liability insurance * Professional Indemnity insurance * Business Insurance * Building insurance * Contents insurance * Business Interruption insurance * Portable Equipment insurance * Cyber Liability insurance * ...

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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 VIC PPC

... included & what's not? Get the right cover FAQ's 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 ...

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Do I need Public Liability insurance?

... your back pocket with Public Liability Insurance for your small business. Why Do I Need Public Liability insurance? Public Liability insurance may be essential for small businesses depending on the occupation, providing ...

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How much does Public Liability Insurance Cost?

... owners 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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Public Liability Insurance QLD

... what could be the potential cost of a claim? Why choose BizCover for your Public Liability insurance in QLD? Australia's No.1 online insurance business The trophy cabinet is filling up, but we take more pride in the 160 ...

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Public Liability Insurance Explained

... as well as defence costs (to the assessor and lawyer) of $30,000. Without the public liability insurance, the graphic design business would have been liable for over $100,000! * This information is a general guide only ...

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Public Liability Insurance NSW

... before or after the policy period How much do Trades & Service pay for Public Liability Insurance? The average amount a small business operating in the Trades & Service industry in New South Wales can expect to pay ...

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Public Liability Insurance QLD

... before or after the policy period How much do Trades & Service pay for Public Liability Insurance? The typical amount a small business operating in the Trades & Service industry in Queensland can expect to pay for Public ...

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Public Liability Insurance WA

... occurring before or after the policy period How much do Trades & Service pay for Public Liability Insurance in WA? On average, a small business operating in the Trades & Service industry in WA pa id around  $70.82 per ...

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Management Liability Insurance

... covers 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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How much Public Liability insurance do I need?

... is ultimately up to you . Many business contracts will include a minimum amount of Public Liability insurance to be in place - stipulating the amount of Public Liability insurance you are required to have to comply with ...

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Cyber Liability Insurance

... be relied upon as advice. Why choose BizCover for your Cyber Liability insurance? Built for small business We know insurance and what makes small businesses tick. Clear and competitive pricing You can compare and choose ...

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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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What does Public Liability Insurance cover?

... means you could well end up paying for the claim straight from your back pocket . Bear in mind that Public Liability insurance is designed for all types of businesses, not just those who work in an office or have a fixed ...

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What is Product Liability Insurance?

... and Consumer Commission  website. Do I need  Product Liability Insurance? Product Liability i nsurance is an important consideration for any business that supplies or distributes products in Australia. Even with ...

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Public Liability Insurance NSW

... before or after the policy period How much do Trades & Service pay for Public Liability Insurance? The average amount a small business operating in the Trades & Service industry in New South Wales can expect to pay ...

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Allied Health Combined Liability Insurance

... . Even if you're practice is home-based, the Public Liability insurance provided under your Home and Contents insurance may exclude claims relating to your business activities. Not what you are after? Explore our other ...

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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 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 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 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 for Cabinet Makers

... 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 uninsured ...

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Public Liability Insurance Scenario

... been 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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The Risky Business of Insurance

... a small business owner make savvy insurance decisions? Define “must haves” It's important to distinguish between 'must have' and 'nice to have' insurance. Examples of “must have” insurance: Public Liability – protects ...

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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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Insurance for Engineers

... 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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Public Liability

... 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 ...

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Insurance for Handymen

... partners: Why do Handymen need it? You fix your client's DIY problems; we'll help your liability problems with business insurance. At BizCover, a few clicks or one call can solve all. You'll get multiple competitive ...

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Insurance for Victorian Plumbers

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

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Protecting your business against cyber threats

... information compromised or are defrauded as a result of criminal actions. If you're considering Cyber Liability insurance for your small business, BizCover can help you get a quote in minutes. Jump online or give us a ...

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Who is Covered Under an IT Liability Policy?

... business. The problem is good advice and service doesn't always protect IT professionals from liability. ... Who is covered under an IT Liability Policy? An IT Liability insurance policy typically will cover the following: ...

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Public Liability PPC

... insurers Cheapest price guaranteed Trusted by 55,000 Australian businesses Compare quotes from our trusted insurance partners: Why do I need Public Liability Insurance? You can't prevent clumsy people from being clumsy ...

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Insurance for Sole Traders and Self Employed

... and those who are self employed need to consider is Public Liability insurance. Public Liability insurance* is designed to provide protection for you and your business in the event a customer, supplier or a member of the ...

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Reviews related to Basic Business Liability Insurance

  • 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

Business Insurance Coverage

A Business Insurance Pack is a range of Business Insurance products that can provide financial cover for your business, some main types of coverages include:

  • Public Liability insurance
  • Professional Indemnity insurance
  • Business Insurance

 

These types of business insurance can provide cover for your business 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 business insurance and amount of cover you select will depend on the nature of your business and what areas you think you are the riskiest for you. Pick and choose the right business insurances that will 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.

What is typically covered by Business Insurance?

A) Material damage loss for your physical assets
B) Financial loss due to Business Interruption

Choose cover options below!

What is typically not covered by Business Insurance

  • 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

Industries that may require Business Insurance

Across Australia there are many different types of small businesses that help the economy going, from personal trainers to IT wizards, coffee shop owners, cleaners and the trusty tradies. While your day to day operations as a business may be different, there is always an element of risk when your run your own business. This is a snap shop of some of the typical type of businesses that may require business insurance.

Get the right type of Business Insurance

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.

For some types of businesses, business insurance may be a requirement, for example:

  • You may need to have your own Public Liability insurance sorted before you step onto a construction site
  • If you work on contracts you may be required to have a minimum level of Professional Indemnity insurance in place
  • If you are renting your business premises, your landlord may require you to have your own Public Liability and in some instances Glass cover sorted

 

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.

Frequently Asked Questions on Business Insurance

Business Insurance provides you with protection if your business  assets or premises are damagedstolen or if you sustain financial loss due to  an insured interruption to your business.  

Business insurance usually falls into three categories: 

a) Material damage loss for your physical assets
b) Financial loss due to business interruption
c)Personal injury/property damage claims against you

When it comes to small business insurance, there are multiple coverage options to select from. Each type of cover is designed to protect against different risks that your business may be exposed to. Some of small business Insurance coverage options include:

Building Insurance* which  covers you for loss and damage to buildings you own, as a result of an insured event (such as fire, storm, wind). 

General Property Insurance* which covers against theft and accidental damage of equipment, such as tools, laptops and mobile phones, while you are away from your office. 

Office Contents Insurance* which covers you against burglary, theft and accidental damage of office equipment such as chairs, desks and computers. 

Public Liability Insurance* which covers you if a third-party claim that your negligent business activities caused them injury or property damage. This includes defence costs cover. 

Glass Insurance* which covers you for damage to internal and external glass, mirrors, porcelain and signage at your business premises. 

Tax Audit Insurance* which covers fees of any accountants engaged in connection with an audit by the Australian Taxation Office. 

Business Interruption* which covers you  for the loss of income and increased costs of operating your business caused by a specified insured event (such as property damage or fire). 

Business Insurance is a packaged solution designed to protect your business from property, business and liability risks. There are different coverage options available under a Business Insurance pack, sometimes referred to as a Biz Pack. 

The great thing about small business insurance is that you can select the type of coverage that is tailored to the needs of your  business. Different businesses require their own unique forms of cover to protect them from the unique risks of their industry.  For example, the types of risks a restaurant owner faces will be different to  a dog groomer. 

common question SME operators ask is, “How much does Business Insurance cost?”. Unfortunately, there’s no  one-price fits all answer. Some of the factors that can influence the cost of a Business Insurance policy include: 

  • the type of cover and cover options taken 
  • the nature of your business 
  • the value of the property insured 
  • where your business is located 
  • the number of employees you have 
  • your  annual turn over 
  • claims history 

 

Have a chat to our BizCover sales team about the different kinds of Business Insurance we have available from some of Australia’s leading insurers to get an accurate cost of your Business Insurance policy.  

While your office space may not the typical set up, just because you are working from home doesn’t mean that things can’t go wrong. Regardless of the type of work you are doing from marketing to managing an online store, different occupations each come with their own level of risks. 

These are some examples of the type of home-based businesses we cover: 

  • Administrative support services 
  • Answering & reception services 
  • Beautician 
  • Consultants 
  • Dog walking 
  • Dog grooming 
  • Graphic designer 
  • Hairdresser 
  • Online shops 
  • Photographer 
  • Writers 
  • Web developer 

 

Common types of insurance for home based businesses 

Public Liability* 

One of the basic insurances to consider is Public Liability insurance. 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. 

If you have clients visit your home based office or you visit them off site do you have protection in place if you were to accidently cause injury to them or damage to their personal property? 

Cyber Liability* 

Consider the outcomes if the client data you have stored was compromised. The impact could be destructive to your business.  Cyber liability insurance is a type of business insurance product, which protects your business against both the legal costs and expenses (including compensation payments) related to cybercrime incidents. Your coverage may generally include cover for expenses and legal costs relating to the following: 

  • Data breaches 
  • Theft or loss of client information 
  • Business interruption costs 
  • Forensic investigation 
  • Data recovery 
  • Extortion 
  • Fines and penalties 
  • Crisis management costs (to restore your businesses reputation after an attack or data breach) 
  • Legal costs from any ensuing civil action taken against you or your company 

 

Personal Accident & Illness* 

Being self-employed, means you need to ensure you have protection for your most important asset, you. This is where Personal Accident and Illness insurance comes into play, especially when you don’t have access to sick leave.  Personal Accident and Illness insurance can provide cover should you become permanently disabled or pass away as a result of an accident. Cover can also include a weekly benefit for loss of income if you are unable to work as a result of an unexpected injury or illness (even if it occurs outside of your employment). 

If you have purchased sickness/illness cover as part of your personal accident insurance you may be able to claim if you are diagnosed with COVID-19 and that diagnosis results in you being unable to work. Your cover will need to have been in place before you contracted the disease.  

Employment Practices Liability* 

Employment Practices Liability (EPL) Insurance is designed to help employers minimise the risk and potential cost of claims taken against them by employees. Covered claims may relate to allegations of discrimination, unfair dismissal and sexual or workplace harassment. 

Business Insurance* 

Options include (but are not limited to): 

Contents* 

Having a home based business means there are certain business assets that you will require to perform your day job. Contents insurance provides cover for loss of or damage to items such as business equipment, stock, plant and machinery, records and furniture belonging to you at the insured location. 

Portable Equipment* 

If you are on the road and need items like your laptop, tools and equipment to perform your profession, then consider protecting your items with Portable Equipment cover. 

Portal Equipment insurance (also known as General Property insurance) covers you for loss and damage to items of portable equipment associated with your business. These can include tools of trade and items of stock. 

Public Liability and Professional Indemnity insurance are two fundamental forms of cover that both protect against very different risks. The main difference is the type of duty of care that each cover seeks to provide protection for. 

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. 

It also provides protection for legal and defence costs associated with a covered claim. 

Professional Indemnity (PI) insurance* provides protection for businesses that provide specialist services or professional advice.  It is designed to respond to claims against your business for losses as a result of actual or alleged negligent acts or omissions in the provision of your professional service or advice. PI Insurance will also assist with the legal costs associated with responding to or managing claims which are covered by the policy.  

Product Liability insurance* commonly forms part of a Public Liability insurance policy, providing protection for your business against claims by third parties relating to property damage or personal injury caused by your products.  

The term ‘Product’ is typically defined as anything that has been manufactured, constructed, erected, assembled, installed, grown, extracted, produced, processed, treated, altered, modified, repaired, serviced, bottled, labelled, handled, sold, supplied, re-supplied, distributed, imported or exported by you, or on your behalf.  

Product Liability insurance is designed to support you when your products cause a third party to sustain personal injury or property damage.  Product Liability insurance is intended to cover  compensation payable to a third party and your defence costs (these are the reasonable costs incurred while investigating and defending a covered claim including legal fees, experts fees and court costs).  

Product Liability insurance is there to help you from the moment an allegation of negligence relating to your product is made.   

Always check the limit of cover offered by your policy and any exclusions or geographical limitations.  

Prefer to talk?

Call us and talk to a real person.
Friendly, helpful service from a business insurance professional.

1300 249 268

Mon-Fri 8.30am-7.00pm
Sat 9.00am-5.00pm

*  This information is general only and does not take into account your objectives, financial situation or needs. It should not be relied upon as advice. As with any insurance, cover will be subject to the terms, conditions and exclusions contained in the policy wording.