Business Insurance For Freelance Designers
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Insurance for Consultants
... clients; we offer a game-changing way to get your insurance. With just a few clicks or a phone call, you ... continue running your business. Did you know? If you're a consultant working as a sole-trader you are personally ...
read moreProfessional Indemnity Insurance for Consultants
... you may have had to put out initially. This type of insurance is usually offered as a part of a business's insurance policy. The cover will form the center of your insurance coverage and you will usually be able to add ...
read moreA sole traders and freelancers guide to business insurance
... . In our guide we share the basics on some of the different types of business insurances and how they can protect your sole trader or freelance business, without the jargon and boring bits! Let's start with one of the ...
read moreHome Based Business Insurance
... Beautician Consultants Dog walking Dog grooming Graphic designer Hair dresser Online shops Photographer Writers Web developer What types of insurance do home businesses typically consider? Public Liability One of the ...
read moreBusiness Insurance
... designer Hairdresser Online shops Photographer Writers Web developer There are many types of insurance that home-based businesses ... 2022 Personal Accident & Illness* Being self-employed, you may want to consider protection ...
read moreFinding the right business insurance can be hard but BizCover makes it easy
... your business ... businesses that provide specialist services or professional advice. Some of the types of sole traders and freelancers which may require Professional Indemnity insurance include architects, graphic designers ...
read moreHow to grow your business as a sole trader in 10 steps
... on going self-employed and sole trader growth ideas that are designed to help you grow your business. So ... could be devastating. Fortunately, sorting out your business insurance is an easy fix through BizCover . With just ...
read more5 small business and sole trader time management tips
... your sole trader business. As self-employed individuals who are their own boss, sole traders depend ... BizCover provides business insurance * and specialist insurance for consultants to help keep sole traders trading and ...
read moreThe top four things for sole traders and the self employed
... and liabilities to their business through sole trader insurance - BizCover's name for business insurance policies designed for the needs of sole traders and the self-employed. Sole trader insurance covers an extensive ...
read moreWhat are the common types of sole trader businesses in Australia?
... structures In Australia there are three main types of sole trader business structures: 1. Self-employed owner Being a self-employed owner essentially means you conduct your business or trade with the purpose of earning a ...
read moreInsurance for the Self Employed
... . How great is that? Of course, being self-employed might not feel so great when things don't ... insurance if you are: Newly self-employed An established business owner An independent contractor Operating as a sole trader ...
read more4 smart ways to manage money as a sole trader
... business guide for sole traders looks at some simple actions you can take and some suggestions for improving the performance of your small business. When you’re self-employed ... . As with any insurance, cover will be subject ...
read moreHow to become a successful sole trader
... sole trader business, check out our must-read comprehensive guide to setting up a sole trader contracting business . While you're busy building your sole trading business, let us help by handling your business insurance ...
read moreHow to set up your own sole trader contracting business
... operate as a self-employed person in Australia who provides services to your clients you may classified as a sole trader contractor. If you've been having dreams of starting your own contracting business, then this is ...
read moreSole Trader Insurance
... putting you out of business. That's where sole trader insurance could help. Sole trader insurance—our name for business insurance policies designed for the needs of sole traders and the self-employed—can help you cover ...
read moreWhat types of insurance do you need for a cleaning business?
... . Whether you operate as an individual contractor (self-employed or sole trader ) or a company, you and your business may benefit from business insurance that specifically addresses the risks associated with operating ...
read moreSole trader vs. company: What are the key differences
... insurance, cover will be subject to the terms, conditions and exclusions contained in the policy wording. Business.gov.au- Sole Trader: https://business.gov.au/planning/business-structures-and-types/business-structures ...
read moreAdvantages and Disadvantages of Being a Sole Trader
... the profits One of the best things running a business as a sole trader is that you get to keep all the after-tax ... your business. Having sole trader insurance and a sound business plan can set your sole trader business up ...
read moreWinning your first clients as a sole trader
... for a potential customer but protect you and your business if a claim was made against you. Sole trader insurance is particularly important, as this type of business structure ties your personal assets and liability to ...
read moreDoes a sole trader need an ABN?
... 't any of those nasty things. Go online for sole trader business insurance or give us a call 1300 920 864 to see how we can help protect your sole trading business. *This information is general only and does not consider ...
read moreManaging Risk and Liability as a Sole Trader
... sole trader. As such, many sole operators choose to hold sole trader insurance (also referred to as sole trader liability insurance) for their business. How to introduce business risk management as a sole trader Business ...
read moreHow to pay yourself as a sole trader or a business owner
... of a bind but what's best practice is to financially safeguard your business from the risks it faces before they occur. This can be done sole trader insurance , which depending on your occupation, can protect you from a ...
read moreSole trader insurance myths, debunked
... ready to uncover the truths that will empower you to confidently protect your business. Myth 1 – Sole traders are too small for business insurance As a sole trader, you might think, “I’m just one person, do I really need ...
read moreMicro business – definition, benefits, challenges, tips for getting started
... business. Are you a micro business or a small business? Generally speaking, if you are self-employed, a sole trader ... your business with business insurance* Launching and growing a business - even a micro business - is ...
read morePublic Liability Insurance for Cabinet Makers
... business insurances in place. Regardless if you are self-employed, a sole trader or a contractor, there are business insurance ... wood) you have peace of mind knowing your business is covered. Get in touch today to access ...
read moreTop 11 tips for being successfully self-employed
... mobile number is your business number. Just like in ... self-employed, an established business owner, an independent contractor, or a sole trader, BizCover can help you reduce your business risk via self-employed insurance ...
read more13 business ideas for self-employed carpenters
... a specialty skill. Sole Trader Carpenter Ideas Here are 13 business ideas for self-employed carpenters. 1. Framing ... not be relied upon as advice. As with any insurance, cover will be subject to the terms, conditions and ...
read more8 tips for running your self-employed business
... full-time employee in your self-employed business, at some point there may ... business. A great way to do that is to invest in self-employed insurance such as insurance for sole traders * or insurance for the self-employed ...
read moreSelf-Employed Tradies Checklist Guide 2024
... most likely choose to become a sole trader when starting your own small business, as you are the sole ... noting that in some cases certain types of tradie business insurance may be required when you take on certain contracts ...
read moreFrom passion to profit: 20 self-employed business ideas
... success, and that includes reducing the risks to your new business with self-employed insurance , also known as self-employment insurance. Get your business insurance sorted quickly and easily online or by calling us on ...
read moreThe key traits of successful sole traders
... become self-employed and start businesses after ... sole trader insurance *. Take a look at our dedicated sole trader insurance page, or give us a call 1300 920 864 to see how we can help protect your sole trading business ...
read moreBranding for business: Understanding its importance
... and essential for small businesses as things like small business insurance and budgeting are. Do I need to build a company brand around my business? So, do sole traders, self-employed individuals, and tradies actually ...
read moreBusiness Insurance Guide for the Self-Employed – Part 4
... 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 ... example A self-employed bricklayer ...
read moreGoing solo – A guide to being self-employed in Australia
... Set up your super Keep your business account separate from your personal account Managing your self-employed taxes Protecting your new self-employed business with business insurance is another step to consider before ...
read moreHow to become an independent support worker
... whether or not being self-employed is the right fit ... insurance and Professional Indemnity insurance . These business insurance products provide protection for you while you help your clients. Whether you a sole trader ...
read moreBusiness Insurance Guide for the Self-Employed – Part 3
... Business Insurance for the self-employed . In Part 3 of our guide, we go back to basics with Business Insurance ... online. At BizCover, we make arranging your business insurance easy and lingo-free. Receive multiple quotes ...
read moreBusiness Insurance Guide for the Self-Employed – Part 2
... a bit easier . We've created a guide to business insurance for the self-employed that profil es the main types of cover to consider ... designed to respond to claims against your business for losses as a result of actual ...
read moreBusiness Insurance Guide for the Self-Employed – Part 1
... self-employed workers need to consider Public Liability insurance? Here are a few examples of when a self-employed worker may require Public Liability insurance ... can relax knowing your business is protected. A hypothetical ...
read moreA guide to professional services business
... be self-employed depending on the legal structure of your business. Owners of partnerships and sole traders must ... not be relied upon as advice. As with any insurance, cover will be subject to the terms, conditions and ...
read moreSelf-Employed Guide: Relaxation activities that can help relieve stress
... that you want to consider getting Public Liability insurance * – a popular type of insurance for the self-employed . It is designed to provide protection for you and your business if a third party brings a claim against ...
read moreTom-Mow’s Lawn Maintenance Wins BizGiver Grant
... small business owners who go above and beyond for their customers. For people like Tom, being self-employed ... of BizGiver! Tom has Personal Accident & Illness Insurance with BizCover, providing him with peace of mind to ...
read more6 marketing tips for your earthmoving business
... web developer or digital designer. Such qualified individuals will ... business, you may also consider earthmoving insurance to reduce the risks to your business. Whether you are a sole trader, self-employed business ...
read moreUnderstanding subcontracting and how to score the jobs
... As a subcontractor you operate as a self-employed/sole-trader business, accepting projects from companies that cannot ... required with your cover. Other forms of business insurance for contractors that you may need to ...
read moreWhy do welders need insurance?
... cover as a sole trader , or a full business insurance pack for your business, BizCover can ... work following an unexpected injury or illness. Welders are often self-employed, which means that you won't receive an income if ...
read moreSole traders: How to overcome common challenges
... overcome day-to-day to make it worthwhile. Starting a sole trader business is no mean feat and you will have to put ... for sole trader insurance. The bottom line There are many challenges of starting a sole trader business. ...
read moreHow much does Business Insurance cost?
... to those required by a sole-trader business operating within the professional services industry. One of the most common questions asked by business owners is: “How much does Business Insurance cost?” This is a difficult ...
read moreInsurance for Cleaners
... a sole-trader you may be personally responsible, both legally and financially, for all aspects of the business. ... your spare time. Personal Accident and Illness insurance can provide cover should you become permanently ...
read moreInsurance for Handymen
... operate as a sole-trader you are personally responsible, both legally and financially, for your business. In other words ... handyman service, in taking out your business insurance you must select your occupation as either ...
read more7 marketing tips for sole traders
... We make sole trader business insurance a piece of cake - because it needn't be a chore. Go online for your business insurance or give us a call 1300 920 864 to see how we can help protect your sole trading business. This ...
read moreChanging business ownership for sole traders
... to successfully acquire and operate your sole trader business, all lease agreements, permits and ... new sole trader business by securing your sole trader insurance *. Compare business insurance quotes for your business, ...
read more6 basic business tips for sole traders in Australia
... is to ensure that your business is protected by sole trader insurance . Every business can benefit from business insurance and that includes sole traders. While you're growing your sole trader business, let us lend a ...
read moreA sole traders guide to understanding Public Liability Insurance
... scenarios when you may need Public Liability insurance as a sole trader. Working from a home-based office- ... shopping around for your sole trader Public Liability insurance. Are my business activities covered? This is ...
read moreInsurance for Cabinet Makers
... tailored insurance to suit your cabinet making business. Did you know? If you operate as a sole trader, you ... insurance Nobody really has the time to get sick or injure themselves, especially when you're self-employed, ...
read moreHow to choose the right structure for your business
... you may come up against. One of the key types of business insurance cover for many sole traders is Public Liability insurance *. Public Liability insurance is designed to provide protection if a third party is injured ...
read moreHow to Start a Roofing Business
... Choose a business structure (i.e., sole trader, partnership, company, etc.) Apply for an Australian Business Number ... coverage, depending on how your business is structured. Without insurance, expensive bills could be your ...
read moreHow to start a gym or fitness business
... Determining the structure of your business - whether it be a sole trader or a company structure. ... should not be relied upon as advice. As with any insurance, cover will be subject to the terms, conditions and exclusions ...
read moreThe tradie's guide to getting paid on time
... such instances slow you down, as a tradie and a sole trader , not getting paid on time can also mean you may ... BizCover is your tradie insurance *. Our tradie insurance is business insurance carefully designed to reduce ...
read moreHow to start and grow your gutter business for success
... many handymen operate as sole traders, meaning they are personally responsible, both legally and financially, for their business. Three types of business insurance that may help gutter business owners reduce their risk ...
read moreHow to start a carpet cleaning business in Australia
... you will need to: Decide on a business structure , such as a sole trader, company, or partnership. There are pros ... a customer's property or cause them injury. Business Insurance - This cover can be customised to help you ...
read moreSpring 2020 BizGiver Winner to Spend Grant on Life Saving Equipment
... who has been operating as a sole trader for the past year. We spoke to Kyal about how winning the prize will help grow his business. Why did you start your business? I started my business a fter seeing that there was ...
read moreHow to Start a Business in QLD in 7 Easy Steps
... insurance sorted with BizCover today. Compare multiple quotes from some of Australia's most trusted insurers in minutes. Queensland Government, Setting up a legal business- Sole traders, https://www.business.qld.gov.au ...
read moreHow to start a commercial cleaning business
... be critical for your commercial cleaning business. The most commonly used business structures in Australia are: Sole trader: Sole traders are legally responsible for every aspect of the business, including any debts and ...
read moreGuide to starting and expanding your business in NSW
... Services Tax. Register a business name: Unless you are a sole trader or partnership with a business name that is identical to ... types of insurance to protect your small business . These types of insurance offer protections ...
read moreHow to start a fencing business in Australia
... business structure . The following are common business structures in Australia: Sole Trader: In Australia, many trades are run by a sole trader ... 1300 920 868 to get your fencing insurance in just 10 minutes and get back ...
read more5 essential steps to protect your small business from a lawsuit
... both an accountant and a lawyer. Otherwise you may end up with the default sole trader business structure, which may not be the best fit for your new business. 2. Obey the law While 100 per cent obvious, it's still worth ...
read moreHow to legally protect your cleaning business: 6 tips to help you shine
... your business ... business can involve a lot of risks. Some risks you can mitigate yourself while for others you may need insurance to provide protection. Another thing to keep in mind is that if you operate as a sole trader ...
read more9 common startup costs for small businesses
... - to register the business name However, your personal assets are tied to your business as a sole trader, so it's ... to protect yourself from the consequences. Business insurance policies offer a viable solution to protect ...
read moreHow to start a retail business
... risk. Recommended reading: Common types of sole trader businesses in Australia 2. Partnership A partnership allows ... not be relied upon as advice. As with any insurance, cover will be subject to the terms, conditions and ...
read moreHow to start a business in South Australia
... companies. Sole traders A sole trader is the most common business structure for small businesses. Perhaps ... your business insurance. For some industries, your business may need certain types of business insurance, either ...
read more5 common risks consulting firms face
... could also wear a seatbelt and have car insurance to reduce its physical and financial impact. ... sole trader. Unlike consulting businesses registered as a company where liability falls on the business itself, sole traders ...
read more“Prevention may not be enough”: small businesses ill-prepared for cyberattacks
... . “If you don't think your sole trader business can handle these situations, then you may want to consider getting Cyber Liability insurance on top of your current insurance.” This information is general only and ...
read more10 step guide to start an online business in 2024
... to pay and your personal liability as the business owner. Common business structures in Australia for online businesses include. Sole trader: The most basic business structure, which is relatively simple to set up ...
read more5 tips for getting the best Public Liability insurance for your business
... sole trader or small business owner, there's no doubt you're aware of the importance of protecting your business and your customers with Public Liability insurance ... the unique risks to your business as well as researching ...
read moreHow to start a business in Western Australia
... know about the different types of business structures in Western Australia: Sole Trader – this is one of the ... kinds of business insurance. Not all kinds of business insurance policies will be right for your business, so ...
read more12 easy steps to start a profitable handyman business
... business owner is choosing your business structure . There are four core options: Sole Trader ... business activities. Business Insurance* Business Insurance is an insurance package designed to provide cover for your business ...
read moreTop 15 reasons why small businesses fail (and how to avoid them)
... the horse, setting up your business insurance before your new business opens its doors to customers is ... business plan. Are you a sole trader looking for a business from home checklist? Or perhaps you're a small business ...
read moreHow to start an electrical contractor business in Australia
... business. Business structure It's important to choose your business structure wisely. The options available are sole trader ... Public Liability (or other type of insurance ) to do business in the state. Clients may also ...
read moreHow to start a plumbing business
... and ways to set up your business from being a sole trader plumber to operating as a subcontractor plumber ... outside of your employment). Get your plumbing business insurance sorted quicker than a flush with BizCover. ...
read moreHow to become a registered NDIS provider
... helpline ( 1800 800 110 ) to talk about your business offering, and whether your services can be offered under the ... you are a sole trader, contractor or carer as part of the National Disability Insurance Scheme (NDIS), ...
read moreStarting a business in Victoria: 8 steps to find success
... business. The following three business structures are popular options for new businesses in Victoria: Sole trader: The simplest business ... learn all about small business insurance for your new business discover online now ...
read moreHow to start a window cleaning business
... business Australian cleaning business, as outlined at business.gov.au . These include: Sole Trader ... sustains property damage due to your negligent business activities. Business Insurance: Do you rely on your own cleaning ...
read moreWhy IT professionals should consider cyber insurance
... between the business and the business owner under a sole proprietorship, meaning that the sole trader's private ... million . The difference is Medibank had no cyber insurance policy in place whereas Optus did. Not only would ...
read moreInsurance for Flooring Installler
... amount of cover you want or need Comparing multiple insurance quotes from different insurers is one way to learn ... Many sole traders choose to protect their flooring business with different types of business insurance. The ...
read moreHow to become an independent contractor
... on your business for the years to come. As a quick snapshot of the various types of structures, sole traders are ... in contracts is holding a certain type of business insurance , often with the specific level of cover ...
read moreWhat is an ABN? How to apply for it?
... your small business: Who can apply for an ABN? Australian businesses that aim to make a profit Sole traders, partnerships, ... be relied upon as advice. As with any insurance, cover will be subject to the terms, conditions ...
read more8 key steps to market your handyman business
... insurance. If you decide to structure your business as a sole trader as opposed to a company, your business ... who to call. The bottom line Starting a handyman business in Australia can be a wonderful career move. The job ...
read morePublic Liability
... be your own boss is why so many Australians operate as a sole trader, but it is not one that comes without its own risks ... Liability insurance is a popular type of insurance amongst sole traders. As a small business owner ...
read more5 contractor tips for delivering excellent customer experiences
... Whether it is a corporate giant or a sole trader, all businesses can benefit from focusing on the client experience ... not be relied upon as advice. As with any insurance, cover will be subject to the terms, conditions and ...
read more7 essential marketing ideas for your painting business
... s important to note that sole traders are personally responsible for the business' finances. This is called ... . You may also want to consider getting some painters insurance . Sometimes, things don’t go to according to ...
read moreGrow your business: 6 beauty salon marketing ideas to attract new clients
... for you, and purchasing the right insurance Your business registration should not be difficult if you choose to organise your business as a sole trader rather than a company. But sole traders are legally and financially ...
read moreHow to start a home cleaning business in Australia
... a unique combination of 11 digits that are used to keep track of business transitions for tax purposes. Recommended reading: Do Sole Traders Need ABN? – A Complete Guide Your ABN enables the government to identify your ...
read moreHow to start a home care business in Australia
... care business, finding insurance, and handling patient privacy. Setting up your business There are a few steps you need to complete to run a business in Australia: Choose a business structure (sole trader, partnership ...
read moreInsurance for Glaziers
... annual turnover, you will likely pay more for insurance than a glazier who earns less. Number of people covered - A sole trader may pay less for cover than a small business with several employees. History of claims - A ...
read moreInsurance for Gardeners
... injury. If you are a sole trader or independent gardening contractor, workers' ... insurance than a gardening professional who earns less. Number of people covered - Sole traders often pay less for cover than small businesses ...
read moreWhat insurance do contractors and subcontractors need?
... need insurance and does Public Liability cover subcontractors? Being self-employed, as ... damaged in the course of your work. Specific types of business insurance that may be required when bidding for a contract. ...
read more9 great reasons to become a certified tradie
... a surf. And let's not forget that many tradies are self-employed, meaning they can pick and choose when and where they work because ... , many successful trade businesses companies started as sole traders and grew from there ...
read more1 in 10 insured small businesses use BizCover
... employees). 1,550,151 of these businesses are self-employed. (1) The ICA reports a non-insurance rate of 12.8% in the small business sector with sole traders having the highest rate of non-insurance at 24.0%. (2) We have ...
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Why do Consultants need insurance?
You offer game-changing results for your clients; we offer a game-changing way to get your insurance. With just a few clicks or a phone call, you’ll get multiple competitive quotes from some of Australia’s leading insurers. Select your preferred policy and you’ll be covered instantly, so you can continue running your business.
Did you know?
If you’re a consultant working as a sole-trader you are personally responsible, both legally and financially, for all aspects of your business. In other words, there is a potential for you to have enormous liability exposure, which may affect your personal assets if things go wrong.
What types of insurance do consultants often consider?
Professional Indemnity*
There are literally hundreds of different consulting professions, yet all are required to provide a professional service or specialist advice. Professional Indemnity insurance is designed to protect you from losses claimed by clients that are incurred as a result of your actual or alleged negligence or omission in the provision of your professional service or advice.
Your Professional Indemnity policy, will cover the award of compensation payable to a third party together with your defence costs (which can include legal fees, investigator fees and expert fees)
Examples of some of the many consultancies who can take out Professional Indemnity Insurance through BizCover include:
- Agricultural Consultants
- Agronomist
- Anthropologist
- Asset & Facility Management Consultant (Non-financial assets)
- Auctioneer (Non-real estate)
- Cartographer
- Community Development Consulting
- Corporate & Business Consulting
- Cultural Consultant
- Export Consultant
- Film Production Advisory Consultants
- Fundraising Services (for not for profit entities only)
- Geophysicist
- Land Economist
- Land Surveyor
- Life Coaches
- Marriage Counsellor
- Personnel Consultant
- Photography (consultants and photographer)
- Procurement Consultants and Probity Advisers
- Public Relations
- Resettlement Consultant
- Residential Property Presentation Consultant
- Safety Consultants
- Shipping & Forwarding Agents
- Social Worker
- Telecommunications Consultants
- Tourism Consultant
- Valuers (antiques and art only)
- Weight Loss Consultant
^Accurate as at September 2019
Public Liability Insurance*
Public Liability insurance is a no brainer for all types of consultancy services. Public Liability insurance is designed to provide protection for you and your business in the event a customer, supplier or a member of the public are injured or sustain property damage as a result of your negligent business activities.
Meeting with your clients, either at your office or if you visit them at their premises, means you’ll be exposed to potential mishaps and accidents – think of a client tripping over at your premises or if in the excitement of presenting your proposal at their office you knock over that expensive art work.
Business Insurance*
Your clients bring in your income, but where would you be without your business assets?
Business Insurance is an insurance package designed to provide cover for your business contents, stock, tools and commercial premises when an insured event occurs (such as fire, storm, theft or even accidental damage). A Business Insurance package can also cover your portable equipment, glass and for loss of revenue due to business interruption in specified circumstances. In addition, cover is available for public liability, tax audit, employment practices and statutory liability risks.
Cyber Liability*
Consider the client data you may storing and the consequences if your systems were compromised.
A cyber liability insurance policy is designed to help protect you from claims and support your profitability in the event of a cyber breach or attack. Costs associated with defending a cyber claim are also covered. Examples of the types of risks Cyber Liability insurance can assist with are inadvertent loss or release of customer personal information, cyber crime, cyber extortion/ransomware and business interruption due to a cyber event.
Common causes of claims
- Providing inadequate or incorrect advice
- Lack of appropriate due diligence & allegations of negligence
- Misstatement or misinterpretation
- Dissatisfaction with timeliness of completing work
- Confidentiality breaches
- Fraud and dishonesty
- Conflicts of interest
You have made it this far, you may be interested in …
*Savings made on 07/07/2023 on Professional Indemnity, Business Pack, Personal Accident & Illness and Cyber Liability Insurance policies. This information is provided as a guide only and may not reflect pricing for your particular business, as individual underwriting criteria will apply. ©2023 BizCover Pty Limited, All rights reserved. ABN 68 127 707 975; AFSL 501 769