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Legal Requirement for Public Liability Insurance

Public liability insurance covers your business for losses ... activities. Failure in obtaining public liability insurance policy can expose a business ... public liability insurance. Legal Requirement for Public Liability Insurance Although public liability insurance is ... packages, often product liability insurance. However, public liability insurance offers no protection ...

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Public Liability Insurance

Here's the lowdown on public liability insurance As a small business owner ... Legal and defence costs Public Liability Insurance protects you and your business ...

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Public Liability Insurance

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 ... What Janine needed was public liability insurance or insurance that protects you and ... relatively simple process. Purchasing public liability insurance online, where quotes are instant ...

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Cyber Liability Insurance: the safety net small businesses need

It may have taken some time for the reality to hit, but the wider public is now starting to realise that hackers aren't just fictional brooding movie villains - they ... are generally included in Cyber Liability insurance are: · Business interruption costs · Data ... preventative measures and robust Cyber Liability insurance, small business' are ensuring they ...

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How the cost of Professional Indemnity insurance is calculated

... of a Professional Indemnity (PI) insurance policy is calculated and why ... the cost of Professional Indemnity insurance. Insurance policy pricing ... the cost of Professional Indemnity insurance. Insurance policy pricing is generally calculated ... ,000 BizCover customers with PI insurance during the 2016/17 financial year ...

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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 ... ... covered under an IT Liability Policy? An IT Liability insurance policy typically will ... response to commercial contracts between consultants and clients requiring these insurances in ...

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Dishing up the facts on food business insurance

... you have the right business insurance. When it comes to insuring ... ... , Public Liability insurance is often required when you take out a commercial lease ... few boxes of groceries! Public Liability insurance is designed to protect your ...

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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 ... ... your liabilities. Public Liability Insurance Every business should consider Public Liability Insurance - ... material damage events. Management Liability Insurance Management Liability Insurance protects the company ...

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Keep calm and stretch on with Yoga Teacher insurance

... of arranging your yoga teacher insurance go.  As a yogi or ... business. Let us centre your insurance chakra by exploring some of ... ... and circumstances Property damage Public Liability insurance When you work closely with ... happening, and that's why Public Liability insurance is equally important for yoga ...

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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 ... ... to have Business Interruption Insurance. (Vero SME Insurance Index,2016) 3. Do ... the level of your Public Liability insurance. Similarly, take into account any ...

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5 Surprising Things Business Insurance Can Cover

When looking for Business Insurance, most small business owners typically ... things such as their legal liabilities and top of mind assets ... ... an unforseen event. Business Interruption insurance is designed to compensate you ... an exceptionally prime target. Cyber Liability insurance is a 'must have' policy ...

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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 ... and circumstances Property damage Public Liability Insurance Working closely with your clients ... as a liability package with your Professional Liability insurance. Portable Equipment Insurance As a ...

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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 ... from your previous work. Public Liability Insurance If you're dealing with clients ... become a statistic.[i] Cyber Liability insurance provides essential financial protection if ...

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Insurance Considerations for Personal Trainers

Working as a personal trainer can be a rewarding career. Not only do you get to help your clients achieve their goals and transform their lifestyles, but it's also the ... types of risk consider public liability insurance which will provide financial protection ... Find Out More About Public Liability Insurance As a personal trainer you'll ...

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New Year Insurance Health Check!

2016 is here! New Year is traditionally a time for people to make resolutions and plan for their year ahead. It's also a great time for business owners to take stock ... increasing the level of public liability insurance that you hold. Are there ... standard.  For example most Business Insurance policies do not include cover ...

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Insurance Premiums for Retailers Continue to Climb

Insurance Premiums for Retailers Continue to ... The latest BizCover Small Business Insurance Price Index has been released ... an increase in small ... not universal. Graph 1 – BizCover Insurance Price Index (Financial Year 2017 ... massive 8 points for Public Liability and Business Packs, most other ...

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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 ... that your personal insurance may not cover your business liabilities or property. ... and contents insurance policy might not cover all the liabilities related to ...

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Small Business Insurance Price Index Q3

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

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Small Business Continues to Win on Insurance Prices!

... ; however the BizCover Small Business Insurance Price Index for the first ... ... ; however the BizCover Small Business Insurance Price Index for the first ... small businesses! Prices across all insurance classes were stable across the ...

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

Your business property is like your home away from home and is the place where you work your magic. Whether you're in the business of providing expert advice to clients ... own commercial property: Building Cover What is Building Cover? Building Insurance provides ... of inoccupancy: Loss, damage or liability during any period in excess ...

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Do I need insurance for my market stall?

From fresh food and irresistible treats to clothing, arts, crafts, and bric-a-brac, Australia has become spoiled for choice when it comes to markets. And with the festive ... wide range of potential risks. Insurance for market stall holders is ... cover - Public Liability and Product Liability. Public Liability Public Liability covers you for ...

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The Easter Bunny's Guide to Business Insurance

Each year at Easter millions of kilograms of chocolate are purchased and consumed around the world. In Australia alone close to $200 million is spent on Easter chocolate ... would quickly follow. Having Product Liability coverage would assure the Easter ... stop working? Within a Business Insurance pack the Easter Bunny would ...

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Small Business Insurance: Why you might want to ensure you're covered!

Running a business can be rewarding, challenging but also stressful. While you will are taking control of your earning potential and the upside can be great, there are ... need for adequate insurance for your business . Is insurance mandatory for your ... you rent your premises, public liability may be a requirement from ...

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The Risky Business of Insurance

What are the Real Costs to Australian Small Business? Small business owners tend to be juggling many balls - managing clients, cash flow, staff, stock and future planning ... 'nice to have' insurance. Examples of “must have” insurance: Public Liability– protects against ... efficient, transparent and competitive. Online insurance experts BizCover cover over 2 ...

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6 Areas You May Not Have Thought Business Insurance Covers

Your business is your livelihood. So it's vital to protect your business assets and revenue against potential risks that may impact your business, such as fire, storms ... BizCover offers a range of insurance solutions to protect your business. ... covers such as Public Liability and Professional Indemnity insurance to ensure you ...

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5 Common Beauty Insurance Claims

As much as we like to hope otherwise, unexpected events happen! Things can go dreadfully wrong despite the best efforts we take to prevent them – and the simplest ... on it. “Thankfully my Business Insurance policy included building and contents ... landlord to hold a Public Liability policy. I've always enforced strict ...

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5 Reasons To Review Your Business Insurance This Christmas

Christmas can be a busy (as well as stressful!) time for many small businesses.  Come December the big Christmas countdown is on as people are busy preparing for the ... make sure you have Public Liability, and if you do have ... you're protected within your Business Insurance pack, as with increased trading ...

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Personal Accident and Illness Insurance for Tradies

Does the thought of being off work for three months due to a major mishap with a nail gun horrify you? As far-fetched some accident stories may sound, the reality is ... where Personal Accident and Illness Insurance comes in to play. Designed ... contractor, Personal Accident and Illness insurance is an important type of ...

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Getting the Best Value on Your Business Insurance

The new year is now in full swing, and if you're like some of us in this office, you will probably have resolved to be a bit smarter with your money in 2016 and perhaps ... best value on your business insurance. Cover yourself up! Check your ... making a claim having enough insurance could mean the difference between ...

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The Remaining Risk: What Isn't Covered and Why it Matters

... most common issues with Business Insurance is that policy owners often ... ... type of your insurance. Read the below carefully: Public Liability – This protects ... you can work again. Cyber Liability Insurance – Cyber Liability Insurance protects against the expenses ...

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Gold Coast Mobile Juice Business Gets a Boost

... , Australia's biggest online small business insurance provider . […] ... , Australia's biggest online small business insurance provider . The Energy Bar ( ... , Public Liability, Business Insurance, Management Liability and now Cyber Insurance. BizCover provides multiple insurance quotes ...

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Help Protect your small business' reputation

When it comes to running a small business, your brand and its reputation are priceless. No doubt you've spent countless hours establishing your name by building strong ... business is under scrutiny. Management Liability Insurance Being the director or part ... Regulatory Event or Investigation, Cyber Liability Insurance Can you imagine trying to ...

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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 ... even a year. Consider Cyber Liability insurance, especially if your business relies ... attacks and session hijacking. Cyber Liability insurance may not prevent an attack ...

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How to survive the silly season: a guide for small businesses

In the blink of an eye, the silly season is here again! For some, it's the busiest time of year, from retailers helping people get their last-minute gifts and service ... have an active Public Liability insurance in place. Public Liability insurance is designed to ... business premises. Double check your insurance policy wording to make sure ...

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Preparing your store for the holiday season ahead

The holiday season is upon us, which is an important time for retail businesses. It can provide a much needed boost in sales, but on the flip side it can also mean an ... legal expenses. Ensure your Public Liability insurance policy has adequate cover to ... and data. Therefore, a Cyber Liability insurance policy can act as your ...

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Business Horror Stories

Running a business can be a wonderful rewarding experience, but sometimes things can go horribly wrong. THE ONLINE ONSLAUGHT We never believe it can happen to us, that ... down for good. A management liability insurance policy can be the only ... them. Business Insurance cover options such as Management Liability and Cyber Liability are ...

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

Latest Winner of Bizcover.com.au $60,000 'Small Business Buddy Program' Michelton resident Charlotte Hansen last week marked a major milestone when she went from cancer ... years have embraced our online insurance services over more traditional methods ... , Public Liability, Business Insurance, Management Liability and now Cyber Insurance. BizCover provides multiple insurance quotes ...

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Doggone Great! Local QLD Business Selected in the $60,000 'Small Business Buddy Program'

 Small Business Buddy Winner! Local QLD Business Selected in the $60,000 'Small Business Buddy Program' Woofwatchers, a local dog grooming and pet caring business ... seven years embraced our online insurance services over more traditional methods ... , Public Liability, Business Insurance, Management Liability and now Cyber Insurance. BizCover provides multiple insurance quotes ...

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How to hire quality tradesmen for your small business with Oneflare

When hiring tradesmen for your small business, you don't have any room for error – so every tiny detail counts. It can be daunting and time-consuming sorting through ... look out for. Public Liability Insurance This is the most common ... have caused.   Professional Indemnity Insurance Professional Indemnity insurance is not commonly required ...

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5 Legal Essentials for your Small Business

... areas of law including family, commercial, and personal injury. She has ... ... areas of law including family, commercial, and personal injury. She has ... resolution procedures; and Limitations of liability and disclaimers. If you provide ...

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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 ... Professional Indemnity & Public Liability and Public Liability /Business Packs. Michael Gottlieb ... with capital chasing returns in insurance.” The Professional Indemnity rates reduced ...

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Professional Indemnity Claims: when should I notify my insurer?

Your Professional Indemnity (PI) insurance is no doubt one of ... against your business. Like all insurance policies, there are several important ... ... against your business. Like all insurance policies, there are several important ... , as you might inadvertently admit liability which can result in your ...

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Comparing Portable Equipment & Electronic Equipment Cover

Business insurance isn't always straightforward, and sometimes ... the nitty-gritty to understand what insurance is being offered and which ... especially ... your insurer. Portable Equipment This insurance provides repair or replacement for ... their vehicle. Insuring under a commercial vehicle policy may also be ...

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PI Index: Premiums Decline 10 Straight Quarters

Business Insurance Premiums Decline 10 Straight Quarters, ... healthy competition in the business insurance market. The BizCover Small Business ... ... product groups, Combined Professional Indemnity/Public Liability and Public Liability/Business Packs are ... , the cost of Professional indemnity insurance for some Allied Health professionals ...

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Professional Indemnity for Real Estate Agents

... Real Estate Industry Professional Indemnity Insurance provides essential financial protection against ... of $1 million Professional Indemnity Insurance ... Real Estate Industry Professional Indemnity Insurance provides essential financial protection against ... in the advertising material and liability on the real estate agent ...

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BizCover partners with Energy Retailer CovaU

Online small business insurance provider BizCover has announced ... label version of its online insurance platform for CovaU to ... offer insurance ... traditional way of purchasing business insurance, and often delivering substantial savings ... the industry, making online business insurance even more accessible for small ...

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Comparethemarket.com.au and BizCover Announce White Label Partnership

... online provider of small business insurance, having helped over 90,000 ... businesses compare and buy their insurance online. Their White Label solution ... businesses compare and buy their insurance online. Their White Label solution ... compare and purchase their business insurance through the platform, but they ...

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Tips for making a Stress-Free Claim

Making an insurance claim can be stressful – but ... ... sitting down to read your insurance policy's Product Disclosure Statement (aka ... out more about Business Interruption insurance here. When Disaster Strikes Call ...

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BizCover wins dual accolades over two big nights

... experience in the Small Business Insurance space. On Tuesday night, BizCover ... award recognised the “Small Business Insurance […] ... experience in the Small Business Insurance space. On Tuesday night, BizCover ... award recognised the “Small Business Insurance Made Even Easier” campaign for ...

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A Close Shave with Underinsurance

... to make sure that your Insurance grows with your business and ... ... , covered her business with Business Insurance. For the next 4 years ... closed. Luckily, the Business Interruption insurance that Samantha had added to ...

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When it Rains it Pours: Understanding Flood Cover.

When it comes to Business Insurance, understanding what's included and excluded ... When it comes to Business Insurance, understanding what's included and excluded ... , contents and/or stock a Business Insurance policy usually comes with some ...

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5 Reasons to love Personal Accident Cover

Personal Accident and Illness Insurance (IPA Cover)offers financial protection ... ... Health Checks Unlike some other insurance policies, a personal accident policy ... lower premiums than similar life insurance or Total & Permanent Disability ...

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Pet Stays, becomes the 32nd BizGiver winner

... the 32nd Winner of BizCover Insurance's BizGiver $2000 Small Business Grant ... ... , who have embraced our online insurance services over more traditional methods ... of buying insurance, said Michael Gottlieb, Founder and ...

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Is your Small Business Summer Proof?

Summer in Australia is a great time of year. There's a lot to enjoy, including plenty of public holidays, long days and great weather.  But along with these great ... when you get your Business Insurance you also cover for Business ... Glass Cover, under a Business Insurance Pack will cover your for ...

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Customer Spotlight: Being Brands

For this week's Customer Spotlight we look at creative brand agency, Being Brands. Being Brands is a creative agency located just outside of the Sydney CBD in Hunter ... high-level clients, that makes their insurance a must. “As a business ... for new clients, so having insurance is an essential requirement. “ “BizCover ...

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A $2,000 Wish for Your Small Business

Ask any small business owner about the most difficult aspect of running a business and you'll most likely get an array of answers. However, one thing in common that most ... in 2008, BizCover, an online insurance service for small businesses, knows ... more traditional methods of buying insurance,” said BizCover Founder and Managing ...

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BizGiver finds it's latest winner in Wild Forage

The latest winner of the $2000 BizGiver Grant is crowned; Wild Forage, a small business supplying seasonal wild edible plants, herbs and seaweed to high end restaurants ... , who have embraced our online insurance services over more traditional methods ... of buying insurance, said Michael Gottlieb, Founder and ...

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Customer Spotlight: Elite Words

On today, International Women's Entrepreneurship Day, we celebrate with one entrepreneurial BizCover customer, Natalie Dawson of Elite Words. After over ten successful ... mind that Dawson justifies her insurance with BizCover. “I insure my ... worry about the cost of insurance.” “In the short term, organisations ...

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Customer Spotlight: Cheaper Buy The Dozen

After working 22 years in the car industry, Mansel Milne made the jump to the wine industry and started the online wine delivery company Cheaper Buy The Dozen. In its ... of a comprehensive and robust insurance plan for his business. “I ...

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5 Money Saving tips for Small Business

Most small business owners are conscious of their cash flow. Whether you are just starting out or have been in business a while, you'll want to make sure every dollar ... , credit card, bank account or insurance for their business.  It may ...

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Preparing your small business for a Tax Audit

The word on the street is that the ATO are going to be doing random audits of 100's of small businesses. Even if your books are in pristine condition, audits are generally ... as part of your business insurance or as a standalone policy. ...

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Management Liability Insurance

... awarded to any claimants. Management Liability Insurance benefits: Private companies Company directors ... During the construction of a commercial property, an employee was severely ...

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Cyber Liability Insurance

... cover for your business. Cyber Liability Insurance covers your business against the ... making business owners sweat. Cyber Liability Insurance can reduce your risks and ...

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Professional Indemnity Insurance for Consultants

A large number of people that start businesses, in Australia have been experiencing a steady growth in business for the past few years. One area that is growing in magnitude ... want to add business insurance or public liability insurance for your own protection. ... When you buy a Professional Indemnity insurance ...

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BizInsure Capitalizes on the Paradigm Shift in Commercial Insurance!

... www.bizinsure.com), a leading-edge online insurance model that connects independent ... businesses to critical Professional Liability (E&O) insurance ... tremendous opportunity to modernize the commercial insurance space, especially for small businesses. ... Professional Liability (E&O) insurance and plans to roll out more lines of commercial insurance ...

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Protect your business with Statutory Liability Cover

... are many different types of insurance policies available to small businesses ... are unaware that there is insurance designed to protect against ... , benefits and features of Statutory Liability insurance. Australia and the law There ... make. This is where Statutory Liability insurance comes into play – designed to ...

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Business Insurance

... And you can include Public Liability Insurance to ensure you are not ... Goods in Transit Statutory Liability Compare multiple insurance quotes online Best price ...

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Insurance For tradesmen

... to your company's reputation. Public liability insurance will protect you and your ... A tradie working on a commercial building locked up his tools ...

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Insurance For cleaners

... Whether you clean domestic or commercial properties there are plenty of ... could be endless. Thankfully, Public Liability insurance is there to protect you ...

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Insurance For electricians

... day. Did you Know? Public Liability insurance is a mandatory licensing requirement ... a couple of grand. Public Liability insurance is something every responsible electrician ...

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Insurance For retailers

... to have both Public Liability insurance and Glass insurance before signing a lease. ... party on the insurance policy. Insurance for Retailers Public Liability Public Liability insurance is one ...

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Insurance For handyman

... problems; we'll fix your liability problems with Handyman insurance. At BizCover, a ... can go on! Thankfully, Public Liability insurance is there to protect you ...

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Insurance For personal trainers

... in public outdoor spaces. Public Liability insurance will protect you from financial ... a minimum amount of Public Liability insurance? Or if you work outdoors ...

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Insurance For it professionals

... Professional Indemnity insurance before being considered for a contract. Public Liability Chances ... visiting your client's onsite. Public Liability insurance will protect you from financial ...

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Insurance For mobile food vans

... covered. Did you Know? Public Liability Insurance: The average level of cover ... 10 million dollars. Insurance for Mobile Food Vans Public Liability As you ...

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Insurance For psychologists

... PI insurance arrangements also state that cover must include: Civil liability cover ... have with your clients, Public Liability insurance is a no brainer for ...

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Reviews related to commercial liability insurance

  • So quick and easy to purchase liability insurance from a range of insurers. Very happy customer!!

    Shirley M McIntosh
    Trades & Services

  • So quick and easy to purchase liability insurance from a range of insurers. Very happy customer!!

    Shirley M
    Food wholesaling nec

  • very easy to get my public liability insurance done within minutes!! Thanks.

    Troy M
    Landscape Construction

  • Great Price on my Liability insurance

    James M
    Trades & Services

  • Easy very fast and efficient, 1st timer on public liability insurance

    Les K
    Door Or Window Wholesaling

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Get the cover that's right for your business

With BizCover you can choose policies from 3 levels of cover, $5 million, $10 million and $20 million.

Policies are usually tailored to individual businesses. Each business will require a different amount of cover and when deciding on how much cover you should have you should think about the following factors:

  • Do any of your contracts require a minimum level of cover?
  • Has your industry body set a minimum level of cover for membership?
  • Does your business or trade license require a minimum amount of cover?
  • Do the terms of your lease require a minimum level of cover?
  • Finally think about what your level of risk and exposure could be. What kind of accidents could occur and what could be the potential cost of a claim?