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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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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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 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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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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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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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 ... 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 to ...

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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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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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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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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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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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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 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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Help Protect your small business' reputation

... comes to running a small business, your brand and its reputation ... small mistake to destroy your business in minutes. As Warren Buffet ... ... public relations expenses to help prevent or minimise reputational damage whilst your business is under scrutiny. Management Liability Insurance Being the director or part of a management team comes with its ...

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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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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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What are the Insurance Options for Land Surveyors?

... yourself and your company with insurance is a smart investment. Land ... ... , scope, and type of land surveying projects your business uses. Public Liability Public Liability insurance is designed to provide protection for you and your business in the event a customer, supplier or a ...

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Protect your business with Statutory Liability Cover

... different types of insurance policies available to small businesses to protect against ... . However, many business owners are unaware that ... can be incurred from an official investigation or inquiry made against your business Adding the Statutory Liability option* to your Business Insurance policy can help cover: Monetary sums (penalties) payable to any ...

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Understanding Insurance for Mortgage Brokers

... with the appropriate types of business insurance. [] ... cause damage to their property for a claim to be made. 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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Understanding Insurance for Retailers

... wrong, and that's where business insurance can help save the day ... ... understanding some of the key business insurance covers available to retailers. Public Liability Insurance* This is one of the fundamental business insurances retailers may need to consider ...

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Understanding Insurance for Interior Designers

... is where having the right business insurance in place is vital. Let ... ins and outs of how business insurance can protect your interior design ... 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 ...

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Five Tips for Starting your Home-based Business

... start your own home-based business. The COVID-19 pandemic has ... all walks of life and business experience. If you've ever ... get started. 1. ... or sustain property damage as a result of your negligent business activities.     Product Liability insurance protects your businesses against claims by third parties relating to property damage or personal ...

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A guide to Plasterer's insurance that won't leave you, board

... worked hard to get your business where it is, so why ... by not having the right insurance in place? Read on to ... ... will require you to have your own Public Liability insurance before you even step foot on site. ... broken into with your tools stolen? Consider this… Has your business got enough in the bank to replace all your tools? ...

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Who is Covered Under an IT Liability Policy?

Information Technology Insurance Professionals in the information technology sector face potential liabilities from ... they can get on with business ... 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 ...

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5 Questions to ask yourself before buying Insurance for your Small Business

Know you need business insurance but aren't sure how ... up a new business or have been in business for a while ... and looking to buy insurance ... condition of your lease. Below is a summary of the key areas of cover available to businesses. Public Liability insurance covers against the legal costs for claims of injury or property damage to 3 rd parties ...

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5 Tips for an Insurance Health Check

If your insurance is due for renewal or ... a general review of your business, it's worth taking time ... your insurance to ensure that if the ... , so you might want to consider upping the level of your Public Liability insurance. Similarly, take into account any changes in nature to your business. If you have taken on extra responsibilities in the service or ...

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Big Bunny Business: An Interview with the Easter Bunny

... insurances he has in place to protect his very successful chocolate business ... ... , it's not a yoking matter! Public Liability Insurance also extends to protect me from property damage, ... can help me pay my ongoing bills both for the business and for my personal expenses. Another bonus with this type ...

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5 Surprising Things Business Insurance Can Cover

When looking for Business Insurance, most small business owners typically worry about covering ... things such as their legal liabilities and ... about your employees or clients you're an exceptionally prime target. Cyber Liability insurance is a 'must have' policy for all kinds of businesses that have an online presence. And although it won't prevent ...

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Business Horror Stories

Running a business can be a wonderful rewarding ... think. 1 in 5 Australian businesses are the victims of a ... ... case, the restaurant was covered and the crime section of their policy covered them. Business Insurance cover options such as Management Liability and Cyber Liability are little known but have the potential to save a ...

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Understanding Insurance for Graphic Designers

... plan, that's when your business insurance comes into play. We've ... ... premise or you are out visiting them, Public Liability insurance can protect you anywhere within Australia. It provides coverage for you and your business in the event a customer, supplier or a member of the ...

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Life after lockdown - How to re-open your small business

... are beginning to ease and businesses are slowly starting to head ... right direction for Aussie small businesses and the economy. If you ... preparing ... and over $700 , 000 in losses since the outbreak of the virus. Small businesses are not immune from cyber-crime and Cyber Liability insurance ca n be a wise choice when it comes to protecting your ...

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7 ways to improve your tradie business' productivity

... . There are plenty of tradie businesses out there and it's ... the success of your tradie business. Get inspired with our top ... ... of the typical types of business insurances you may need to consider as a tradie: Public Liability insurance* Personal Accident and Illness insurance* Portable Equipment/ Tool Cover* Tax ...

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Top 5 tips for tradies starting their own business

Launching your own business is both an exciting and ... about starting your own tradie business is that you will always ... ... to help you stay in business for the long run. Some of the typical types of insurances you may need to consider as a tradie include: Public Liability insurance * Personal Accident and Illness ...

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Insurance Considerations for Personal Trainers

... to protect yourself and your business from the [] ... cover these types of risk consider public liability insurance which will provide financial protection in the ... Your body as a trainer is one of your biggest business assets, and it also gets put under some pretty extreme ...

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Small Business Insurance Index

... strong price increases in the business insurance market, SMEs are continuing to ... in the cost of business insurance, the BizCover SME Insurance ... of business insurance , the BizCover SME Insurance Price Index shows that overall pricing for SME insurance has ... Liability insurance. SME Professionals have been seeing increases in their Public Liability insurance ...

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Things you didn't know about small business insurance

Getting the insurance sorted for your small business can be pretty straightforward, jump ... quotes and buy the insurance that suits your business ... or property. If you work from home, your home and contents insurance policy might not cover all the liabilities related to your business. As an example most home and contents policies do not cover you for bodily ...

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5 insurances every convenience store owner needs to know about

... consider the needs of your business and the best way to ... ... other third-parties too. When you're setting up your business, there's a lot to think about like your banking, marketing and importantly your Public Liability insurance. It is one of the most essential types of cover ...

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Protecting your Business from Cyber Risks - Part 1

... and infiltrate most types of businesses. In Part 1 of our ... ... today through BizCover. We offer a range of business insurance options to suit your business needs, including Cyber Liability insurance * . Cyber Liability insurance *   is designed to help protect you ...

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Professional Indemnity Insurance for Consultants

... number of people that start businesses, in Australia have been experiencing ... a steady growth in business for the past few years ... idea of starting ... an 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 ...

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The Art of Being a Creative Small Business

... you're running your own business as a small team or ... and many more. Any small business owner [] ... of the different examples of when you may need business insurance as a creative professional include i f you are ... may be a requirement to hold Public Liability insurance before you can perform in public spaces. ...

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Grow Your Plumbing Business with These 5 Marketing Tips

... new customers and grow your business. It's a competitive industry ... customers and grow your plumbing business without having to be an ... ... 's leading insurers to safeguard your plumbing business with options like Public Liability insurance* , Portable Equipment cover* and even Personal Accident & illness insurance * just to name a few . ...

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5 Ways To Prepare Your Business Premises For The Cooler Seasons

... time to make sure your business premises is prepared for the ... tips can help make your business safer for the cooler seasons ... ... people to take care when walking in these areas. Having Public Liability insurance is one of the vital safeguards for your business, protecting you from claims from third-parties for accidental injury or damage ...

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BizCover SME Insurance Price Index Q1 FY21

... trend of insurance price hikes. Whilst the Australian Small Business and Family ... the availability and pricing of insurance for SMEs, BizCover ... Price Index Public Liability insurance is an essential cover for SME's and one that most can't afford to operate without. Trades businesses insured through BizCover saw no changes in pricing whilst the Retail sector ...

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STABLE INSURANCE RATES A REASSURANCE FOR SMEs

BizCover's SME Insurance Price Index has unveiled a ... the COVID-19 pandemic with insurance rates remaining flat for a ... acquired from BizCover's ... quarter,” he said. “Key sections of business pack insurance that are frequently used by retailers such ... being offset by increases in the cost of Public Liability and Professional Indemnity in other industries,” he said. ...

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5 Reasons To Review Your Business Insurance This Christmas

... stressful!) time for many small businesses. Come December the big Christmas ... ... 's the time to make sure you have Public Liability insurance , and if you do have it, ensuring you ... you are carrying increased stock levels. Do you have Business Insurance to cover your stock and contents from theft or ...

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Business Insurance Guide for the Self-Employed - Part 3

... print in the world of business insurance, it can feel like you ... , comprehensive guide on all things Business Insurance for the self-employed. In ... Austral ian Tax Office (ATO) requesting an audit is enough to make you panic. Tax Audit Insurance covers a business for specified costs if the ATO selects it for auditing. The policy covers the costs of ...

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A Guide to Helping Your Business Make a Stress-Free Claim

Lodging an insurance claim is never a fun ... something that mattered to your business due to a disastrous event ... you just want your small business ... it comes to claim time. While it is al ways important to ensure you have the right insurance policy in place to protect your business , these are a few things that you can do upfront to help when making a claim ...

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BizCover SME Insurance Price Index Q2 FY20

... businesses with simple insurance needs are using BizCover for their insurance, while smaller businesses ... this quarter. The BizCover ... that began 12 months ago. The increase can be attributed to more demand for Business Contents insurance particularly from businesses with an annual turnover greater than $400,000. Cover for contents in the Trades ...

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Beauty to go! What Mobile make-up artists need to know about insurance

There are some obvious pros to working as a mobile freelance make-up artist - you have control over the hours you work, you get to work with a wide range of clientele ... legal defence costs and compensation awarded to the claimant. Public Liability insurance also extends to Product Liability cover which protects your business for legal disputes and compensation claims if any of the ...

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The Risks of Growing Your Small Business

The only strategy that is guaranteed to fail is not taking risks. Mark Zuckerberg There comes a time when every successful enterprise needs to ditch the baby steps ... at full capacity for a few days, a month or even a year. Consider Cyber Liability insurance, especially if your business relies on a website or online activity. Malware is becoming more prevalent and increasingly ...

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Insurance for architects- the blueprint to success

The career of an architect is an exciting one, yet it's not one without risk. From the ground up, your responsibilities are skyscraper high. Beginning with the first ... of Australian businesses experience some form of cybercrime and 40% of attacks aimed at SME's., yet is one of the least insured policy areas – don't become a statistic. [i] Cyber Liability insurance provides essential ...

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Understanding Insurance for Physiotherapists

Your clients rely on your expert advice and services as a physiotherapist. You help ease their aches and pains from minor sprains to long-term rehabilitation programs ... * Another common coverage for physiotherapists is Public Liability insurance. Public Liability insurance is  designed to provide protection for you and your business in the event a customer, supplier or ...

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Insurance for Cabinet Makers- What You Need to Know

When it comes to building and creating quality pieces of craftsmanship, cabinet makers know a thing or two. This highly skilled trade involves having an eye for detail ... at some of the different types of business insurances for cabinet makers to consider. Starting with the basics: Public Liability insurance One of the fundamental types of cover cabinet ...

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Turn your skills into a side hustle with these 5 business ideas

Whether it's serving up the best cupcakes in town at the local market stall, helping people reach their full potential with online coaching or starting a blog on mastering ... about like payment systems, logistics, and having business insurance in place. It's a common requirement for stallholders to have their own Public Liability insurance * in place as a form of protection ...

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10 Tools Every Small Business Should Gift Themselves This Christmas

... you are running a small business you have to be many ... can help you manage your business more effectively. Here are our ... ... create your masterpieces. It's free to join for the basic package and the cost to license many images is as little ... BizCover is Australia's No. 1 online business insurance, where you can compare multiple quotes from ...

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Lifestyle Tradie Group trades up; next Small Business Buddy Winner

... latest $2000 Small Business Buddy Wish from BizCover Insurance. Mona Vale, May ... winners of BizCover's Small Business Buddy Wishes, with ... server/backup system, and without them even the most basic form of communication with customers can fail resulting in a ... Small Business Buddy Wishes grant is an initiative of BizCover, an online Business Insurance service ...

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Additional Cover for Professional Indemnity Insurance

... certificates of insurance - it's just part of the business. Hish ... Mines, a busy IT consulting business providing information management ... indemnity, but also with the additional cover option of public liability. Hish says his clients expect his business to be covered by professional indemnity insurance to ensure there is cover in place in the case of ...

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The Easter Bunny's Guide to Business Insurance

... denying that Easter is big business. In the Easter game, the ... ... as a public event, it could also represent a public liability risk, for which the Easter Bunny has maximum cover. If ... are stored in stop working? Within a Business Insurance pack the Easter Bunny would have cover ...

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Small Business Index July 2015

SMEs benefiting from declining insurance rates but is the tide ... capacity and competition in the insurance market over the last few ... down the price ... and those with capital chasing returns in insurance.” The Professional Indemnity rates reduced the ... than the base value only 3 years ago. Public Liability /Business Packs have not enjoyed as much of a drop in ...

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Finding the Right Business Insurance Can Be Hard but BizCover Makes it Easy

... minutes. If you run a business, it is absolutely essential that ... yourself and your assets with business insurance. However, figuring out exactly ... common types of cover include public liability, professional indemnity , cyber liability, business interruption and tax audit insurance . In many cases, businesses will need to mix and match different ...

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Triumph after Tragedy for QLD Fitness Trainer Latest Winner of Bizcover.com.au $60,000 'Small Business Buddy Program'

... .com.au $60,000 'Small Business Buddy Program' Michelton resident Charlotte ... her new personal fitness training business, focused on seniors, and ... , small and medium sized businesses buy Professional Indemnity, Public Liability, Business Insurance, Management Liability and now Cyber Insurance. BizCover provides multiple insurance quotes instantly online and the ...

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A roadmap to staying in business for the long haul: Part 2

... to becoming a successful small business owner is one of twists ... to help you stay in business for the long run. Strap ... ... 't go to plan. These are just some of the ways business insurance can help keep your business alive: Public Liability is an essential cover for any business that interacts with customers or any third party. It ...

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Insurance Premiums for Retailers Continue to Climb

... Climb The latest BizCover Small Business Insurance Price Index has been released ... showing an increase in small business insurance rates, with ... . Graph 1 – BizCover Insurance Price Index (Financial Year 2017 2nd Quarter) There was no change in the Professional Indemnity sector, but the index for Public Liability and Business Packs increased 4 points ...

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The bricks and mortar of building insurance cover- what you need to know

Your business property is like your home ... . Whether you're in the business of providing expert advice to ... ... or liability during any period in excess of 90 consecutive days during which the business locations ... of the foundations (pun intended!) to your small business insurance plan. It provides peace of mind, protecting one of ...

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6 Areas You May Not Have Thought Business Insurance Covers

... 's vital to protect your business assets and revenue against potential ... risks that may impact your business, such as fire, storms, theft ... accidental ... solutions to protect your business. You can tailor a policy to suit your needs and include other essential covers such as Public Liability and Professional Indemnity insurance to ensure you are not left financially ...

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5 Common Beauty Insurance Claims

... a devastating effect on your business. We take a look at ... ... had displayed on it. “Thankfully my Business Insurance policy included building and contents cover”, ... under my contract with my landlord to hold a Public Liability policy. I've always enforced strict health and safety ...

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Small Business Insurance Price Index Q3

Insurers hold on to SME Insurance Premium Price Increases! Despite a ... Quarterly BizCover Small Business Insurance Price Index has shown insurance ... Quarterly BizCover Small Business Insurance Price Index has shown insurance rates dropping back two ... non professional sector, primarily around Public Liability and Business Packs (predominately covering perils and theft ...

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Small Business Insurance Index Q2: 5 point increase, largest in 10 quarters

The Quarterly BizCover Small Business Insurance Index has shown that Australian ... enjoyed the end of declining insurance premiums with an increase ... the first increase seen in 10 quarters. This brings the insurance rates back to the same level as Q4 2013/14 (6 ... the non professional sector with Public Liability and Business Packs (predominately covering perils and ...

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Business Insurance Guide for the Self-Employed - Part 2

Navigating the world of business insurance can be confusing which is ... 've created a guide to business insurance for the self-employed that ... and ... a bit easier . We've created a guide to business insurance for the self-employed that profil es the main types ... Intentional damage   Contractual liabilities   Your p rofessional ...

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What are the common types of sole trader businesses in Australia?

... a lot in the small business world and can sometimes cause ... confusion with what type of business set up it is relating ... common types of sole ... any of the required liabilities of the business . Therefore if your business was to default on ... in minutes. Experience insurance made easy today. *As with any insurance, the cover will ...

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iSelect partners with BizCover to launch business insurance comparison

... has expanded their general insurance offering to include business insurance, through a partnership ... BizCover, Australia's leading small business ... company was thrilled to be partnering with BizCover to assist it in focusing on the SME business market. “Business insurance, like many of iSelect's other verticals, is a very complicated but important product. We know ...

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Professional Indemnity Insurance for Civil Engineers

... Professional Indemnity insurance to protect* you and your business from [] ... ... to insuring civil engineers, there's no one size fits all insurance solution because every business is different and no two businesses are the same. Each business has its own unique needs which depend on a variety of ...

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7 Questions to Ask Before You Start a Business

... deciding to start your own business is a courageous step, bringing ... the idea of starting a business, we've got 7 questions ... want to start ... it's time to look at how you are going to protect your business with business insurance. There are many different types of business insurance products available , however not all of them are going to be ...

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Top Tricks To Help Improve Your Business' Risk Management

When you run your own business the last thing you want ... risks that could threaten your business' future. With so many areas ... of the business ... owners need to keep in mind. 2. Review your business insurance* As a small business owner, you already know the importance of having business insurance , but when was the last time you really sat down ...

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6 Common Risks That Small Business Owners Face When Starting Out

Stating your own business is a big step, full ... is a lot of small businesses don't make it and ... dangers involved with starting a business ... for good. Here are some things to keep in mind when sorting out your business insurance: Identify the potential risks to your business and only get the cover you need . T here are plenty of policies ...

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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.