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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BizInsure Capitalizes on the Paradigm Shift in Commercial Insurance!

... .com), a leading-edge online insurance model that connects independent professionals ... businesses to critical Professional Liability (E&O) insurance ... and independent professionals. Today the company offers competitive Professional Liability (E&O) insurance and plans to roll out more lines of commercial insurance to meet the growing needs of modern business. For ...

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What are some types of insurance available for small businesses?

... consideration is getting your business insurance sorted. There are many kinds ... it comes to getting your insurance sorted because no two businesses ... Insurance* is an insurance package designed to provide cover for your business contents, stock, tools and commercial ... Examples of the types of risks Cyber Liability insurance can assist with are inadvertent loss or ...

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Understanding Insurance for Real Estate Agents

... consider the appropriate kinds of insurance you may require to keep ... ... Insurance package (sometimes known as a BizPack). It is designed to provide cover for your business contents, stock, tools and commercial ... with Cyber Liability insurance . Cyber Liability insurance is designed ...

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What are the Insurance Options for Land Surveyors?

... yourself and your company with insurance is a smart investment. Land ... ... several of the insurance options for land surveyors who work in the residential or commercial sectors. We' ... land surveyor may be held accountable. A Cyber Liability insurance policy is designed to help protect you from ...

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Dishing up the facts on food business insurance

... you have the right business insurance. When it comes to insuring ... ... turn for the worse. Some types of insurance policies might even be compulsory, for example, Public Liability insurance is often required when you take out a commercial lease; while Contents, Glass and Business ...

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Understanding Insurance for Mortgage Brokers

... the appropriate types of business insurance. [] ... for a claim to be made. Public Liability insurance is  designed to provide protection for you  ... Insurance is an insurance package designed to provide cover for your business contents, stock, tools and commercial ...

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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 ... insurance you need if you own your own commercial property: Building Cover What is Building Cover? Building Insurance ... Period of inoccupancy: Loss, damage or liability during any period in excess of 90 ...

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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 ... for losses or damage to a third party as a result of your business' activities. Failure in obtaining public liability insurance policy can expose a business to a range of risks. As a business, you will inevitably have ...

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What Tradies Need to Know About Public Liability Insurance

... the most common types of insurances for tradies, but do you ... ins and outs of Public Liability insurance and what you need to ... what is Public ... a claim could not only put you out of business but jeopardise your personal finances too. Public Liability insurance covers your back when things don ‘ t quite go plan. As a tradie, it can even be ...

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5 Things to Consider When Buying Public Liability Insurance

Public Liability insurance. It's one of those ... your business? Not all Public Liability policies are the same and ... ... . 4. Take the time to compare quotes There are many options when it comes to purchasing your Public Liability insurance and one thing to keep in mind is the cheapest option may not always be the most suitable ...

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Public Liability Insurance for Cabinet Makers

... the right kind of business insurances in place. Regardless [] ... ... not only gives you peace of mind knowing that there is protection in place for when disaster strikes, Public Liability insurance may also be a requirement if you are working under a contract or as a condition of entry to ...

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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 ... 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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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 ... damage to your business by covering the expenses and legal costs that are associated with breaches. Cyber Liability insurance won't prevent an attack, but it will help businesses to manage the event effectively and be ...

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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 ... . This allowed him to recover without worrying about his lost income. Cyber Liability What is Cyber Liability insurance? Cyber Liability insurance* is designed to help protect you from claims and support your ...

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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 ... an example, at some point you may want to add business insurance or public liability insurance for your own protection. When you buy a Professional Indemnity insurance policy, it usually is a good idea to look around ...

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The difference between Public Liability and Professional Indemnity insurance

... most common types of business insurance, but do you really know ... business. What is Public Liability insurance*? Public Liability Insurance ... forms of cover and how they can protect your business. What is Public Liability insurance * ? Public Liability Insurance is designed to provide protection for you and your business in the event a ...

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BizCover SME Insurance Price Index Q1 FY20

... price reductions on their Public Liability insurance, while prices have remained steady ... ... , driven by both a 5% (Retail) and 13% decrease (Professionals) in the price of their Public Liability insurance for the most recent quarter. This contradicts the steady industry increases we have seen for Public ...

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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 business as a result from interruption caused by material damage events. Management Liability Insurance Management Liability Insurance protects the company and the people who manage the company, such as ...

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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 . ... as a result of your negligent business activities and claim against you .     Product Liability insurance protects your businesses against claims by third parties relating to property damage or personal injury ...

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7 Surprising ways business insurance can help your company

... of sorting out your business insurance may feel like an overwhelming ... ... the effect upon your business reputation too. One of the common types of business insurance to consider is Public Liability insurance*. It provides peace of mind and is designed to provide protection for you ...

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Insurance for Civil Engineers- what you need to know

... about what kinds of business insurance coverage you may need to ... ... on storing sensitive client information and data, then you may want to consider Cyber Liability insurance. A Cyber Liability insurance policy is designed* to help protect you from claims and support your profitability in ...

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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 ... ... go about your business, there is always the risk of an accident happening, and that's why Public Liability insurance is equally important for yoga teachers. If a student (or perhaps even a tradie doing some work for ...

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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 ... – not one that many small businesses' want to or can afford to make. This is where Statutory Liability insurance comes into play – designed to help cover the costs and expenses which can be incurred from an official ...

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Understanding Insurance for Retailers

... , and that's where business insurance can help save the day ... ... of an interruption to your business caused by an insured event (such as fire).   Cyber Liability Insurance* As more and more retailers do their business electronically , the real risk of cyber ...

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Understanding Insurance for Interior Designers

... where having the right business insurance in place is vital. Let ... and outs of how business insurance can protect your interior design ... ... steps to protect the safety of your customers, suppliers the community and their property. Public Liability Insurance is designed to provide protection for you and your business in the event a customer, supplier ...

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

... by not having the right insurance in place? Read on to ... ... victim and still be able to survive financially? Many contracts will require you to have your own Public Liability insurance before you even step foot on site. Make you sure you arrange your cover with the right limits ...

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

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

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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 ... ... level of exposure may have increased, so you might want to consider upping the level of your Public Liability insurance. Similarly, take into account any changes in nature to your business. If you have taken on extra ...

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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 ... ... if you store sensitive information about your employees or clients you're an exceptionally prime target. Cyber Liability insurance is a 'must have' policy for all kinds of businesses that have an online presence. And ...

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Understanding Insurance for Graphic Designers

... , that's when your business insurance comes into play. We've ... ... you are interacting with clients at your business premise or you are out visiting them, Public Liability insurance can protect you anywhere within Australia. It provides coverage for you and your business in the ...

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Small Business Insurance Index

... price increases in the business insurance market, SMEs are continuing to ... the cost of business insurance, the BizCover SME Insurance Price ... both sectors saw no changes to the cost of their Public Liability insurance. SME Professionals have been seeing increases in their Public Liability insurance over the last few years, however this year the increases ...

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BizCover SME Insurance Price Index Q1 FY21

... clients buck the trend of insurance price hikes. Whilst the Australian ... the availability and pricing of insurance for SMEs, BizCover can report ... there were some clear winners and some losers. The Full Report can be viewed here: SME Insurance Price Index Public Liability insurance is an essential cover for SME's and one that most can't afford to operate without ...

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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 ... a client's carpet causing damage to their property, for a claim to be made. Fear not, Public Liability insurance can help clean up the mess by covering your legal defence costs and compensation awarded to the claimant ...

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A Mumpreneurs Guide to Understanding Business Insurance

The art of juggling parenthood while running your own business is anything but an easy feat. Theres always something screaming for your attention, from managing client ... . If you sell products that you make, you may need to consider Product Liability insurance. Product Liability insurance protects your businesses against claims by third parties relating to property damage or personal ...

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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 ... basis, there is a chance that something can go awry and the chance of a claim occurring. Public Liability insurance is an essential form of cover to protect you against financial losses that arise from a claim of third ...

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Understanding Insurance for Physiotherapists

Your clients rely on your expert advice and services as a physiotherapist. You help ease their aches and pains from minor sprains to long-term rehabilitation programs ... medical centre or leased premises , it may also be a requirement for you to have your own Public Liability insurance policy. Always be sure to check the level of cover required to ensure you have the appropriate level ...

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Insurance for Cabinet Makers- What You Need to Know

When it comes to building and creating quality pieces of craftsmanship, cabinet makers know a thing or two. This highly skilled trade involves having an eye for detail ... . As with many trades in Australia, it may also be a legal requirement to have Public Liability insurance in place before you undertake a contract or step on site. Protecting your most valuable asset ...

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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 ... could also be a member of the general public). To cover these types of risk consider public liability insurance which will provide financial protection in the case someone suffers an injury (or even damages property) as ...

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5 insurances every convenience store owner needs to know about

You're a retail lifesaver, helping customers at all hours with all sorts of essentials, from early morning coffees to midnight snacks. As a convenience store, you've ... slips and falls, and one which can end up being very costly without the right protection. Public Liability insurance can provide you with peace of mind and financial relief by providing cover for the legal expenses and ...

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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 ... more seasonal injury caused by a sinister Christmas decoration. Now's the time to make sure you have Public Liability insurance , and if you do have it, ensuring you have adequate cover. 2. Increase in stock Next ...

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BizCover Disrupts Insurance by Commoditising it

... the BRW article. Self-proclaimed insurance industry disrupter BizCover is trying ... by letting newcomers to the insurance sector, such as Coles ... the small to medium enterprise segment and claims to have “broken the mould” by making commercial insurance a more commoditised product. It's a live experiment in whether labour-intensive professional services firms ...

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Additional Cover for Professional Indemnity Insurance

... Fernando for his certificates of insurance - it's just part ... ... Naturalé Lynn Ross also holds extra cover options to her professional indemnity insurance. Lynn purchased public and products liability (PPI) when she started her business selling natural and organic skincare products ...

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Business Insurance Guide for the Self-Employed - Part 3

... in the world of business insurance, it can feel like you ... guide on all things Business Insurance for the self-employed. In ... back to basics ... to consider. What is Business Insurance? Business Insurance* is an insurance package designed to provide cover for your business contents, stock, tools and commercial premises when an insured event ...

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iSelect partners with BizCover to launch business insurance comparison

... expanded their general insurance offering to include business insurance, through a partnership ... , Australia's leading small business insurance ... telephone with one of BizCover's trained consultants. Mark Pangrazio, iSelect's Head of Commercial for Health & General Insurance, said the company was thrilled to be partnering with BizCover to assist it in focusing ...

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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 ... the index is showing an increase in small business insurance rates, with the index rising 3 points over ... Professional Indemnity sector, but the index for Public Liability and Business Packs increased 4 points. This was ...

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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 ... or property. If you work from home, your home and contents insurance policy might not cover all the liabilities related to your business. As an example most home and contents policies do not cover you for bodily ...

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

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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 rates ... the non professional sector, primarily around Public Liability and Business Packs (predominately covering perils ... abundance of capacity and fierce competition in the insurance market, insurers have managed to hold onto ...

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

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

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Business Insurance Guide for the Self-Employed - Part 2

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

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How Does Professional Indemnity Insurance Benefit You?

... advisable that you have professional insurance, which can also be referred ... to as professional indemnity insurance. Professionals are expected ... , which can be filed against them by their clients. It is advisable that you have general business insurance in order to protect you from financial losses caused by property damage or bodily injury. In addition 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 ... 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 ...

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BizCover SME Insurance Price Index Q2 FY20

More larger businesses with simple insurance needs are using BizCover for ... their insurance, while smaller businesses benefit from ... this quarter ... Retail & Hospitality. Whilst all three groups have experienced no increases in the overall price of their insurance, there have been changes within product groups and industries. The Full Report can be viewed here: SME ...

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Professional Indemnity Insurance for Civil Engineers

... a professional, considering Professional Indemnity insurance to protect* you and your ... ... Policies for Civil Engineers When it comes to insuring civil engineers, there's no one size fits all insurance solution because every business is different and no two businesses are the same. Each business has its own ...

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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 ... excessive increase in the premium. For example, looking at the data of almost 5,000 BizCover customers with PI insurance during the 2016/17 financial year, the average monthly cost for a policy with $2 million of cover ...

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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 ... in the index over the last 9 quarters. The Retail Sector is one of the few industries where insurances prices have increased. A trend driven by continued competition, as well as capacity in the market. This ...

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What Limit of Professional Indemnity Insurance Do I Need?

... 'What limit of Professional Indemnity insurance do I need?' While this ... ... a good idea to contact the association and check whether there is a minimum limit of Professional Indemnity Insurance you are required to maintain to comply with their compliance requirements. They may also be able to ...

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Misconceptions Around Professional Indemnity Insurance

... that the claims professional indemnity insurance covers are only the experiences ... ... to time depending on the size of a job contract or the level of risk involved. Businesses or consultants whose insurance coverage is not sufficient may need to draw funds from their own pockets and that is never a good ...

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Business Interruption Insurance: Your 'Get Out of Jail Free' Card

... 'lock up' operations. Business interruption insurance can provide both peace of ... ... a vital element in your wider disaster recovery plan - a plan that should include both a broader insurance package and (crucially!) a clear guideline for how your business would react and recover after a disaster event ...

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Professional Indemnity Insurance 101: For Allied Health Professionals

... yourself is with professional indemnity insurance. This type of policy provides ... ... their lives are also properly protected. One of the best ways to protect yourself is with professional indemnity insurance . This type of policy provides cover for people who risk legal action as a result of carrying ...

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Sometimes Professional Indemnity Insurance is Needed

Professional indemnity insurance is handcrafted to provide coverage ... ... any potential policy holder needs to consider when deciding upon whether or not they should buy professional indemnity insurance is the potential financial loss that can occur as a result of legal fees whether or not ...

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Small Business Continues to Win on Insurance Prices!

... ; however the BizCover Small Business Insurance Price Index for the first ... ... all indicate that the industry is long overdue for a price increase; however the BizCover Small Business Insurance Price Index for the first quarter of the financial year indicates that insurers have not been able to ...

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Michael Gottlieb Featured on the Insurance Business Hotlist for 2014

... successful in taking out the Insurance Business Brokerage of the Year ... ... the broking world, and not just because his Mega Capital business was successful in taking out the Insurance Business Brokerage of the Year award and featured in the Deloitte Technology Fast 50 Australia ranking for the ...

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Michael Gottlieb featured in Insurance Business

In January, our Managing Director Michael Gottlieb was interviewed by Insurance Business magazine, giving his outlook on 2014. Insurance Business - The In January, our Managing Director Michael Gottlieb was interviewed by Insurance Business magazine, giving his outlook on 2014. Insurance Business - The Year Ahead

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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 ... exposes you to a wide range of potential risks. Insurance for market stall holders is designed to protect you and ... has been damaged or broken. Product Liability Product Liability is designed to protect you against ...

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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 ... organisation they may stipulate that you have certain insurance to work for them. For example handymen are often required to have at least $5 million public liability cover to secure work with real estate agents. How ...

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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 ... organised as a public event, it could also represent a public liability risk, for which the Easter Bunny has maximum cover. If ... stored in stop working? Within a Business Insurance pack the Easter Bunny would have cover ...

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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 ... It's important to distinguish between 'must have' and 'nice to have' insurance. Examples of “must have” insurance: Public Liability – protects against legal and court costs in the event that someone is injured ...

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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 ... can tailor a policy to suit your needs and include other essential covers such as Public Liability and Professional Indemnity insurance to ensure you are not left financially responsible for the costs of a legal claim ...

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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 of ... under my contract with my landlord to hold a Public Liability policy. I've always enforced strict health and safety ... against them by making sure you have the right insurance policies in place. It's also a wise idea ...

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Accountant saved from paying $200K with Professional Indemnity Insurance: A Case Study

An Accounting firm in Western Sydney with 5 staff, has been covered for a $221 000 payment after the Tax Office fined a client. The firm was insured with a Professional ... that there was some exposure on the part of the insured accountant as well as the client, so the claim was settled on a commercial basis at mediation for the amount of $180,000 plus $25,000 in defence costs.

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The Reality of Retail- Real Life Claims and How Business Insurance can Help

The world of retail is fast-paced and varied, with no two days ever the same. With so much going on, it also creates a recipe of risks and opportunities for things to ... can cover your contents and stock from theft, attempted theft or armed hold up. It is not unusual for theft insurance to need the item stolen to have been securely stored before the theft and for there to be evidence of ...

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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 ... You can select the amount you want to be covered for, the waiting periods and the type of Personal Accident Insurance policy you want to have in place. You can even select a Lump sum and capital benefits option which can ...

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Cyber Insurance: Is it worth it?

Many businesses think their business is too small to attract cyber criminals. Yet, when it comes to cyber theft, size doesn't matter. Hackers are on the lookout for ... breach claim. And the last thing you want to do is handle a cyber attack or data breach alone. Cyber insurance will also provide coverage for regulatory defence, penalties and fines. Isn't cover pricey? Like most ...

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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 ... today. If you have downsized your team or you are earning less money you may be able to make a saving on your insurance. Also if you are no longer doing certain business activities - you may be able to take them off your ...

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Here’s the lowdown on Public Liability insurance*

As a small business owner you already have lots to worry about. From paying your employees to getting stock delivered on time to generating new work opportunities – the list is endless! But have you taken the time to think about what an accident involving a third party could mean for your business?

As a small business owner, you have a legal responsibility to take reasonable steps for the safety of your customers, suppliers, community and their property. 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.

Public Liability Insurance also provides assistance with the legal costs associated with managing claims that are covered by the policy.


Public Liability explained further…

Product Liability explained further…

Independent feedback from our customers rated our service at excellent.

What is typically included?**

Compensation for:

  • personal injury suffered by a third party (e.g. a customer, supplier or member of the public)
  • damage to property owned by a third party due to your negligent business activities
  • legal and defence costs associated with a covered claim
**Many public liability policies also provide cover for product liability.


What is typically not covered?* 

  • Injuries to your employees
  • Damage to your own property
  • Costs of rectifying faulty workmanship
  • Professional negligence
  • Contractual liability
  • Events occurring before or after the policy period


Download Public Liability Fact Sheet

Your Cover Options 

With BizCover you can choose from 3 limits of liability (levels of cover): $5million, $10 million or $20 million.

Policies are tailored to the unique needs of individual businesses. One business may require a different amount of cover compared to another.

When deciding on how much cover you should have a think about factors like:

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