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 ...

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Professional 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 ...

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Home 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 ...

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Business 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 ...

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Insurance 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 ...

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How 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 ...

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4 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 ...

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Sole 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 ...

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How to overcome top two sole trader 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. ...

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Winning 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 ...

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Does 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 ...

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Managing 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 ...

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Public 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 ...

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Top 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 ...

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13 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 ...

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8 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 ...

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Self-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 ...

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The 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 ...

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How 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 ...

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A 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 ...

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Tom-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 ...

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6 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 ...

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Why 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 ...

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How 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 ...

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Insurance 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 ...

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Insurance 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 ...

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7 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 ...

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Changing 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, ...

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Insurance 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, ...

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Solo 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 ...

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How 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 ...

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The 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 ...

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How 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 ...

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How 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 ...

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How 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 ...

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5 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 ...

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9 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 ...

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How 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 ...

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How 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 ...

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How 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 ...

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How 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. ...

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How 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), ...

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How 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 ...

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Insurance 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 ...

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How 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 ...

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What 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 ...

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8 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 ...

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Public 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 ...

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How 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 ...

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Insurance 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 ...

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9 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 ...

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1 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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Reviews related to Business Insurance For Freelance Designers

  • I have played phone tag with several brokers and insurance providers...what a relief to finally find a simple online service.

    Paul C Cunningham
    Consultancy Occupations

  • So easy. Being self employed, the efficiency was so satisfying unlike some companies having endless documents to fill out. Thank you!

    Camilla B
    Personal Fitness Trainer/Service

  • Easy

    Robbie C
    Contract Chef - Self Employed

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