Business Insurance

... that suit you best. And you can include Public Liability Insurance to ensure you are not financially responsible for the ... things not quite go to plan. Public Liability Building & Contents Glass Tax Audit Business ...

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What is Business Insurance?

... as chairs, desks and computers. Public Liability Insurance which covers your business against the ... : An unwanted trade: A tradie working on a commercial building locked up his excavator before leaving the worksite at ...

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How much does Business Insurance cost?

... below graph, it is clear to see that Public Liability insurance is the most popular taken out by retail businesses ... members of the public. It is also generally a mandatory requirement under a commercial lease agreement, as ...

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Business Insurance in Bunbury

... for public liability, tax audit, employment practices and statutory liability risks. Business Insurance is an insurance package designed to provide cover for your business contents, stock, tools and commercial premises ...

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Business Insurance in Mackay

... all the while answering my questions thoroughly. Great customer service.” Leonard Z. Commercial Cleaner How much does Public Liability insurance cost? On average, small businesses in Mackay pay around $68.55** per ...

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Business Insurance in Melton

... was good with BizCover, that made me reject other Insurance Company offer I was applying for a cover.” Nixon N. Church Operation How much does Public Liability insurance cost? On average, small businesses in Melton pay ...

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Business Insurance in Wollongong

... Insurance is an insurance package designed to provide cover for your business contents, stock, tools and commercial ... :  Given the various industries and occupations Public Liability insurance can cover, the cost of it ...

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Business Insurance in Launceston

... Insurance is an insurance package designed to provide cover for your business contents, stock, tools and commercial ... Anne G. Bookkeeper How much does Public Liability insurance cost? On average, small businesses in ...

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Business Insurance on the Central Coast

... commercial premises when an insured event occurs (such as fire, storm, theft or even accidental damage). A Business Insurance ... insurance policy. Public Liability insurance is one of the most popular types of insurance ...

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Business Insurance in Newcastle

... A Business 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 ...

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Business Insurance in Townsville

... A Business 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 ...

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Business Insurance in Parramatta

... A Business 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 ...

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Business Insurance in Bundaberg

... A Business 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 ...

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Business Insurance in Toowoomba

... A Business 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 ...

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Business Insurance on the Gold Coast

... A Business 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 ...

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Business Insurance in Geelong

... A Business 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 ...

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Business Insurance in Cairns

... A Business 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 ...

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Business Insurance FAQs

... got the answers! 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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Common Small Business Insurance Claims and How to Prevent them.

... . Whilst you've got the insurance to help you out, you ... ... and your bottom line. Whilst you've got the insurance to help you out, you'd ultimately rather avoid ... sure there is adequate lighting outside and/or inside the building after hours can go a long way in deterring break- ...

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Business Insurance the Smart Way

... each policy if you use the code SMART50 and a dedicated point of contact to help you with any insurance questions you might have. BizCover works for you by: Compare multiple providers and buy your policy online in just ...

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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

What’s covered & what’s notThings to considerBack 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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Statutory Liability

What’s covered & what’s notThings to considerBack 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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Portable Equipment

... the policy terms and conditions. *As with any insurance, cover will be subject to the terms, conditions ... your business under financial stress? Is your portable equipment stored in the open air or is it secured? Your ...

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Theft

... stock from theft, attempted theft or armed hold up. It is not uncommon for theft insurance to require the item stolen to have been securely stored before the theft and for there to be evidence of forcible entry in the ...

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Money

... you deposit the money until the time your financial provider ceases trading the following day. *As with any insurance, cover will be subject to the terms, conditions and exclusions contained in the policy wording. The ...

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Business Interruption

... long it can take to get their business back up and running following a major insured event. Business Interruption insurance should be just one part of your wider disaster recovery plan - a plan that should include both a ...

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Machinery Breakdown

... which requires repair or replacement. There are a number of types of breakdown which are not covered by an insurance policy such as those related to wear, tear and gradual deterioration or a lack of service or repair ...

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Goods in Transit

... the invoice paid by you All other goods including plant transfers - market value *As with any insurance, cover will be subject to the terms, conditions and exclusions contained in the policy wording. The information ...

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5 insurances every convenience store owner needs to know about

... to midnight snacks. As a convenience store, you've got all bases ... ... convenience store is exposed to and how insurance can help safeguard it from potential disasters. Dealing with the public ... very costly without the right protection. Public Liability insurance can provide you with peace of ...

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Insurance for Convenience Stores

... commercial lease agreement. Insurance for Convenience Stores Public Liability Insurance* Public Liability insurance is an important form of insurance ... . Building* – if you own your business premises then Building cover ...

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

... business and your customers with Public Liability insurance. It offers protection should a ... , or even member of the public, sue your business for ... sounds, accidents happen. If you don't have Public Liability insurance you face the risk of being out of pocket ... also have requirements for Public Liability insurance. For example, most building and work sites require ...

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What Tradies Need to Know About Public Liability Insurance

... the most common types of insurances for tradies, but do you ... the ins and outs of Public Liability insurance and what you need to ... bits. So ... the building, he put his foot on the wrong timber and broke the plaster. The plasterer‘s insurer settled the claim paying just under $1,000 for the damage. Getting cover Sorting out your Public Liability insurance ...

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5 Things to Consider When Buying Public Liability Insurance

Public Liability insurance. It's one of those ... for your business? Not all Public Liability policies are the same and ... ... that work on building sites and those working within 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 ...

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Public Liability NSW

... Retailer can expect to pay for Public Liability insurance in New South Wales is around $68.12 per month. There are many business types that are classified as Retailers, from toy stores and florists to restaurants or ...

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Public Liability QLD

... Retailer can expect to pay for Public Liability insurance in Queensland is around $76.81 per month. There are many business types that are classified as Retailers, from gift stores and florists to cafes or catering ...

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Public Liability WA

... s antique property? A Public Liability insurance policy will help give you ... Liability insurance through BizCover was around $60.32 per month.. There are many business types that are classified as Retailers, from toy stores ...

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Top 5 Reasons for Having Professional Indemnity and Public Liability Insurance

You've worked hard to build your business, so it makes ... and maintain Professional Indemnity and Public Liability insurance. #1 Protection against claims You've 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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Legal Requirement for Public Liability Insurance

Public liability insurance covers your business for losses ... business' activities. Failure in obtaining public liability insurance policy can expose ... your business and as such is advisable to have public liability insurance. Legal Requirement for Public Liability Insurance Although public liability insurance is not a statutory requirement, most small to medium ...

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Public Liability PPC

... you can protect your business against claims that are made for personal injury or property damage. Public Liability Insurance does just that. It covers the expense of legal and defence costs; court attendance costs; and ...

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Public Liability Insurance for Cabinet Makers

... the right kind of business insurances in place. Regardless [] ... ... under a contract or as a condition of entry to a worksite. If so, make sure you have your Public Liability insurance policy sorted before you pick up the tools and that you have the right level of cover required. What ...

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Do I need Public Liability insurance?

... public who visit your business premises, e.g. diners who visit your restaurant, or clients who visit your office, whether in a commercial building ... renting a commercial property. Do I need Public Liability Insurance if I ...

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How much does Public Liability Insurance Cost?

... for Public Liability insurance. Public Liability insurance is one of the most popular types of insurance for ... here. Given the various industries and occupations Public Liability insurance can cover, also means the cost of ...

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Public Liability Insurance in Perth

... small businesses in Perth pay $33.80**per month for a Public Liability insurance policy. Public Liability insurance is one of the most popular types of insurance for businesses. In fact, it is likely to be very important ...

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Public Liability Insurance in Rockhampton

... , efficient & friendly. Very happy, thank you.” Mark A., Mining Engineer What does Public Liability insurance cover? Public Liability insurance covers claims for personal injury suffered by a third party (such as a ...

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Public Liability Insurance in Mandurah

... who was not pushy, but helpful and happy.” Mishelle O. Retail What does Public Liability insurance cover? Public Liability insurance covers claims for personal injury suffered by a third party (such as a customer ...

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Public Liability Insurance in Hobart

... , small businesses 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 ...

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Public Liability Insurance in Darwin

... but also uncomplicated. With appreciation and gratitude.” Kelly K. Homeopath What does Public Liability insurance cover? Public Liability insurance covers claims for personal injury suffered by a third party (such as a ...

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Public Liability Insurance in Brisbane

... hours and valuable time. Job well done.” Michael R. Engineering Consultant What does Public Liability insurance cover? Public Liability insurance covers claims for personal injury suffered by a third party (such as a ...

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Public Liability Insurance in Adelaide

... small businesses 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 ...

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Public Liability Insurance in Port Macquarie

... made the whole transaction quick and smooth. ” Mark T., Moulding manufacturer What does Public Liability insurance cover? Public Liability insurance covers claims for personal injury suffered by a third party (such as a ...

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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 protects your business if a customer, supplier or member of the public is injured or sustains property ...

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Public Liability

What’s included & what’s not?Get the right coverPublic Liability Insurance cost Here's the lowdown on Public Liability insurance* As a small business owner you already have lots to worry about. From paying your employees ...

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How much Public Liability insurance do I need?

... 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 the terms of the ...

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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 ...

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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 ... story might have 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 ...

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Insurance for Furniture Manufacturers

... wrong. This is where business insurance comes into play and should ... . The process of arranging your insurance can feel overwhelming at times . ... available in the insurance marketplace. From Public Liability cover to a variety of business insurances, in this ... belonging to you at the insured location. Building* - Covers your building if it was damaged as a result ...

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Insurance for Bakers

... tools were to be stolen. This is where business insurance comes into play and provides the peace of mind ... of your commercial lease may require you to take out glass cover. Insurance for bakers Public Liability Accidents ...

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Business Insurance Guide for the Self-Employed - Part 1

... are a variety of business insurance [] ... some 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 your business ...

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Insurance for Architects

... the doors have closed. Public Liability Insurance* Do you need Public Liability insurance? The short answer is ... would (and did) result in the development being built three metres shorter than planned. The property was ...

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What is Product Liability Insurance?

... parties relating to property damage or personal injury caused by your products. Product Liability insurance usually forms part of a Public Liability policy and the word 'product' will be a defined term in the policy ...

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Insurance for Plasterers

... in the policy wording. Insurance for plasterers Public Liability Insurance* Protecting your business with Public Liability insurance is a concrete decision. Public Liability insurance is designed to provide protection ...

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Insurance for Tutors

... the option to pay your policy monthly or annually to suit your individual business needs^ Insurance for Tutors Public Liability Insurance* Whether you are out and about visiting students or teaching them from your home ...

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Insurance for Car Wash and Auto Detailers

... ’s where Public Liability insurance comes into play. Public Liability insurance is designed ... Insurance* Business Insurance is a package designed to provide cover for your business contents, stock, tools and commercial ...

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5 Surprising Things Business Insurance Can Cover

When looking for Business Insurance, most small business owners typically ... legal liabilities and top of mind assets such as their building, ... circumstances that can cause damage to your building, stock and contents – fire, storm damage ... store sensitive information about your employees or clients you're an exceptionally prime target. Cyber Liability insurance ...

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Insurance for Tradesmen

... able to talk your way out of a Public Liability claim. Public Liability insurance is designed to provide protection for you ... unwanted trade A tradie working on a commercial building locked up his tools before leaving the ...

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Insurance for Landscapers

... job. Public Liability insurance may also be a requirement to join trade associations. Business Insurance* Business Insurance is a package designed to provide cover for your business contents, stock, tools and commercial ...

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Insurance for Plumber

... details can be found on the Victorian Building Authority website. Insurance for Plumbers Public Liability One of the first types of business insurance to consider is Public Liability insurance*. It is designed to provide ...

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Insurance for Handymen

... list of potential mishaps can go on! Public Liability insurance is designed to cover legal fees and ... Insurance* is an insurance package designed to provide cover for your business contents, stock, tools and commercial ...

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Insurance for Hair & Beauty Services

... is where Public Liability insurance can provide peace of mind and protection for your business. Business Insurance* Your customers are important, but so is stock, your equipment, salon contents and you're your commercial ...

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Insurance for martial art teachers

... a dojo or somewhere else. Either way, Public Liability insurance is important for martial arts trainers by providing ... stolen or damaged anywhere within Australia. Building Insurance* covers the cost of repairing or ...

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Insurance for Carpenters

... 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 Public Liability insurance*. It provides cover for legal fees and ...

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Insurance for Cleaners

... Public Liability Insurance* Do you need it? The short answer is yes. Thankfully, Public Liability insurance ... insurance can cover specific items such as commercial cleaning tools. Personal Accident and Illness insurance ...

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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 ... ... to commercial contracts between consultants and clients requiring these insurances in addition to professional indemnity. The benefit of having professional indemnity, products liability and public liability contained ...

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Insurance for Disability Workers

... closely with your clients and members of the public, making Public Liability insurance an important type of insurance for disability support workers. Public Liability insurance is designed to provide protection for you ...

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Insurance for Painters

... the work of subcontractors. Therefore sub-contractors should consider maintaining their own public liability insurance. Insurance for Painters Public Liability Insurance* In the world of painting, it's a wise move to ...

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Insurance for Electricians

... resulting in an electrician testing their own work. Get the cover that’s right for your electrician business Public Liability Insurance* Let's be honest, there's a lot that can go wrong. No matter how good you are ...

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Insurance for Yoga Teachers

... your reputation - peace of mind for you and your business without having to bend over backwards. Public Liability Insurance* Working closely with your clients can also put you at risk of personal injury claims meaning ...

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Insurance for Lawn Mowing Services

... the job done, accidents can still happen, even on the smallest jobs. That's where Public Liability insurance comes into play, an essential insurance to protect your business for the legal fees and compensation costs if a ...

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Business Insurance Guide for the Self-Employed - Part 4

... piece of our Business Insurance for the self-employed ... Accident and Illness insurance and Cyber Liability insurance. We share the ... is ... . Cyber Liability What is Cyber Liability insurance? Cyber Liability insurance* is designed ... online platform Communicating via email If you handle or store customer data Use an EFTPOS machine for retail transactions ...

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BizCover SME Insurance Price Index Q1 FY20

... material price reductions on their Public Liability insurance, while prices have remained steady ... ... The increase did not affect the cost of insurance for small businesses on the BizCover platform as ... decrease (Professionals) in the price of their Public Liability insurance for the most recent quarter. This contradicts ...

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Things you didn't know about small business insurance

Getting the insurance sorted for your small business ... , compare quotes and buy the insurance that suits your business. But ... not know about small ... lower premium. To put this in perspective, a public liability policy for an SME working from home generally costs ... business is on the move and changing and so your insurance needs will also be changing and you'll want to ...

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A Guide to PI Insurance

... to make Professional Indemnity Insurance simple (also known as ... errors and omissions insurance, PI or Professional Indemnity ... is Professional ... 't know if they are getting the best deal. This is where BizCover steps in to satisfy your Professional Indemnity Insurance needs. BizCover allows you to get live online quotes in under 2 minutes, and purchase in only a ...

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Steady as she goes - still no increases in Insurance Premiums!

The BizCover Small Business Insurance Price Index is indicating ... market for small business insurance continues to benefit from ... stability in insurances prices have increased. A trend driven by continued ... market. This has been the case across all insurance classes for small business, all of them seeing ...

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Insurance for Gift Shops

... required as part of a commercial lease agreement Insurance for Gift Shops Public Liability Insurance* If you operate through a shop, you want customers in your store. Public Liability insurance is designed to provide ...

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7 Types of Insurance Your Small Business Should Consider

... is Small Business Insurance. But what kind of insurance do you actually ... ... and your liabilities. Public Liability Insurance Every business should consider Public Liability Insurance - even ... of bundling your Public Liability policy. You've put tremendous effort into building your business, so ...

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Insurance for Civil Engineers- what you need to know

... in the hard-yards to build your engineering business, so it ... about what kinds of business insurance coverage you may need to ... ... also provide cover for include Building insurance (if you own your building) Contents and Machinery breakdown. Cyber Liability Insurance If your engineering business relies on storing sensitive client information and ...

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Dishing up the facts on food business insurance

... you have the right business insurance. When it comes to insuring ... ... insurance policies might even be compulsory, for example, Public Liability insurance is often required when you take out a commercial ... is only available if you insure Building or Contents. Machinery Breakdown - offers ...

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Insurance for Cabinet Makers- What You Need to Know

When it comes to building and creating quality pieces of ... and creativity learnt over time. Building custom cabinets for kitchens, bathrooms ... ... also be a legal requirement to have Public Liability insurance in place before you undertake a contract ... worry. Cover for Portable items Over time you have probably built up a collection of tools that you rely on to ...

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Insurance for Restaurants & Cafes

... you Know? Public Liability Insurance: The ... Insurance Even though you can't insure the ambience you have created in your restaurant, you can insure the building and all its contents: Building - if you own the building ...

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Insurance for pharmacy and pharmacists

... and other regulatory bodies. Public Liability insurance* is another type of ... insurance cover. Business insurance* offers a number of coverage options including: Building: provides protection for your pharmacy building ...

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5 Tips for an Insurance Health Check

If your insurance is due for renewal or ... a health check of your insurance to ensure that if the ... ... another location. Business Insurance Tailored cover to protect your building and contents: for ... might want to consider upping the level of your Public Liability insurance. Similarly, take into account any changes in ...

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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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Independent feedback from our customers rated our service at excellent.

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.