Business Insurance on the Central Coast

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

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Business Insurance in Mackay

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

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How much does Business Insurance cost?

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

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Business Insurance in Melton

... N. Church Operation How much does Public Liability insurance cost? On average, small businesses in Melton pay $79.55** a month for their business insurance package. Business insurance is one of the most popular types of ...

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Business Insurance in Wollongong

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

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Business Insurance in Launceston

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

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What is Business Insurance?

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

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Business Insurance in Bunbury

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

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Business Insurance in Newcastle

... for public liability, tax audit, employment practices and statutory liability risks. ... very much.” Leanne R. Commercial Cleaning Services in Newcastle How much does Business insurance cost? On average, small businesses ...

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Business Insurance in Parramatta

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

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Business Insurance in Toowoomba

... commercial premises when an insured event occurs (such as fire, storm, theft or even accidental damage). A Business Insurance ... for public liability, tax audit, employment practices and statutory liability risks. According ...

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Business Insurance in Townsville

... commercial premises when an insured event occurs (such as fire, storm, theft or even accidental damage). A Business Insurance ... for public liability, tax audit, employment practices and statutory liability risks. According ...

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Business Insurance in Cairns

... commercial premises when an insured event occurs (such as fire, storm, theft or even accidental damage). A Business Insurance ... for public liability, tax audit, employment practices and statutory liability risks. According ...

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Business Insurance in Bundaberg

... commercial premises when an insured event occurs (such as fire, storm, theft or even accidental damage). A Business Insurance ... for public liability, tax audit, employment practices and statutory liability risks. According ...

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Business Insurance on the Gold Coast

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

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Business Insurance in Geelong

... commercial premises when an insured event occurs (such as fire, storm, theft or even accidental damage). A Business Insurance ... for public liability, tax audit, employment practices and statutory liability risks. According ...

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Business Insurance

... riskiest for you. Pick and choose the cover options that suit you best. And you can include Public Liability Insurance to ensure you are not financially responsible for the costs of a legal claim should a third party get ...

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Statutory Liability

What’s covered & what’s notThings to considerBack to Business Insurance Statutory Liability* Statutory Liability insurance covers the company, senior management and employees for allegations of wrongful breaches of key ...

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Common Small Business Insurance Claims and How to Prevent them.

... . Whilst you've got the insurance to help you out, you ... ... and your bottom line. Whilst you've got the insurance to help you out, you'd ultimately rather avoid ... the broken freezer, investing in a backup generator. Liability Claims Another common claim seen all too often is ...

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Business Insurance the Smart Way

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

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Professional Attire Insurance

... hat better than a member of the Village People? There's now a revolutionary solution; Professional Attire Insurance, that covers you for any damage to your professional uniform, offering a rapid replacement service for ...

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Employment Practices Liability

What’s covered & what’s notThings to considerBack to Business Insurance Employment Practices Liability Cover* Employment Practices Liability (EPL) Insurance is designed to help employers minimise the risk and potential ...

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Business Insurance FAQs

... got the answers! Check out our library of FAQ's designed to make insurance easy to understand. Get Free Quotes Ready to sort out your Business Insurance? Your small business is a big deal to us. Get the right cover ...

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Business Interruption

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

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Portable Equipment

... that you had secured the specified property as required by the policy terms and conditions. *As with any insurance, cover will be subject to the terms, conditions and exclusions contained in the policy wording. The ...

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Machinery Breakdown

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

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Money

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

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Theft

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

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Goods in Transit

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

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Do I need Public Liability insurance?

... government or private client contract, or as part of a lease agreement for renting a commercial property. Do I need Public Liability Insurance if I have a home-based business? Running your business from home can bring a ...

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Who is Covered Under an IT Liability Policy?

Information Technology Insurance Professionals in the information technology sector face potential liabilities from ... ... to commercial contracts between consultants and clients requiring these insurances in addition to professional indemnity. The benefit of having professional indemnity, products liability and public liability contained ...

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Insurance for Bakers

... know? If you are renting your business premises, part of your commercial lease may require you to take out glass cover. Insurance for bakers Public Liability Accidents can easily occur in a bakery which makes Public ...

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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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Insurance for Hair & Beauty Services

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

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Insurance for Cleaners

... Public Liability Insurance* Do you need it? The short answer is yes. Thankfully, Public Liability insurance is ... business activities. Whether you clean domestic or commercial properties, there are plenty of things that ...

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Insurance for Car Wash and Auto Detailers

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

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Insurance for Carpenters

... you may need to consider Product Liability insurance*. It protects your business against claims ... Insurance Business Insurance* is a package designed to provide cover for your business contents, stock, tools and commercial ...

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Insurance for Gift Shops

... front windows, glass cover can be an important form of insurance and is often required as part of a commercial lease agreement Insurance for Gift Shops Public Liability Insurance* If you operate through a shop, you want ...

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Insurance for Handymen

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

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Insurance for Landscapers

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

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Insurance for Plumber

... to hold minimum levels of public liability insurance before they can operate. Further details ... Insurance Business Insurance* is a package designed to provide cover for your business contents, stock, tools and commercial ...

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Insurance for Tradesmen

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

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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'll ... 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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What does Public Liability insurance cover?

... you could well end up paying for the claim straight from your back pocket. Bear in mind that Public Liability insurance is designed for all types of businesses, not just those who work in an office or have a fixed ...

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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 ... your business and as such is advisable to have public liability insurance. Legal Requirement for Public Liability Insurance Although public liability insurance is not a statutory requirement, most small to medium sized ...

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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 ... don‘t quite go plan. As a tradie, it can even be a contractual requirement that you have Public Liability insurance in place well before picking up the tools and putting boots on site. Always check the level of cover ...

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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 ... ... place. 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 for ...

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Management Liability Insurance

What’s included & what’s not?Get the right coverCould this happen to you? What is Management Liability Insurance?* Everyone loves a surprise, except when you are a company director. If you own or are involved in the ...

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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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How much does Public Liability Insurance Cost?

... owners can expect to pay around $63.53 per month^ for Public Liability insurance. Public Liability insurance is one of the most popular types of insurance for businesses. In fact, it is important for almost every kind of ...

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Public Liability Insurance in Perth

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

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Public Liability Insurance in Rockhampton

... businesses in Rockhampton pay $35.40**per month for a Public Liability insurance policy. Public Liability insurance is one of the most popular types of insurance for businesses. In fact, it is likely to be very important ...

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Public Liability Insurance in Mandurah

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

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Public Liability Insurance in Hobart

... businesses in Hobart around $29.30**per month for a Public Liability insurance policy. Public Liability insurance is one of the most popular types of insurance for businesses. In fact, it is likely to be very important ...

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Public Liability Insurance in Darwin

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

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Public Liability Insurance in Brisbane

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

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Public Liability Insurance in Adelaide

... in Adelaide pay around $37.50**per month for a Public Liability insurance policy. Public Liability insurance is one of the most popular types of insurance for businesses. In fact, it is likely to be very important ...

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Public Liability Insurance in Port Macquarie

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

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What is Product Liability Insurance?

... injury or property damage as a result of a product defect can be expensive, and without the right Product Liability insurance you could find yourself in hot water. If you operate as a sole trader, you will potentially be ...

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What is Public Liability Insurance?

... made to her of $75,000 as well as defence costs (to the assessor and lawyer) of $30,000. Without the public liability insurance, the graphic design business would have been liable for over $100,000! *As with any ...

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How much Public Liability insurance do I need?

... associations and professional bodies also require members to obtain and maintain a minimum amount of Public Liability insurance for membership or to meet licensing requirements. It is important that you take the time to ...

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Cyber Liability Insurance

... in 2018it might be time to bite the bullet and get the right cover for your business.i Cyber Liability insurance* is designed to help protect you from claims and support your profitability in the event of a cyber breach ...

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Public Liability Insurance Scenario

Just imagine: A phone call out of the blue. The caller has a voice you don't recognise. He's telling you he is hurt - badly - and you're responsible. You hang up. He ... story might have been avoided altogether in just a few minutes online. What Janine needed was public liability insurance or insurance that protects you and your business from being found liable to a third party for loss ...

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Don't let your business be an online target - what you need to know about Cyber Liability Insurance

While the terms 'cybercrime' and 'data breach' may not have existed 25 years ago, they are now commonplace threats facing small business. In fact, in 2017 approximately ... protect your business, using firewalls and anti-virus software to prevent attacks and data breaches, Cyber Liability Insurance will help you deal with the costs and expenses associated with a data breach. Breaches may ...

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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 profitability ...

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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 ... 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 until ...

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BizCover SME Insurance Price Index Q1 FY20

... price reductions on their Public Liability insurance, while prices have remained steady ... ... products, 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 ... ... potentially risk losing not only your business, but your personal assets too. Management Liability Insurance explained. Cyber Liability Insurance If you have a website for your business or you store sensitive customer ...

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Business Insurance Guide for the Self-Employed - Part 1

... are a variety of business insurance [] ... your business, even if it is a home-based operation. Market stall-holders– A minimum level of Public Liability insurance is often required when having a stall at a market. If you are selling products you have made at ...

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Public Liability NSW

... ! The last thing you want to think about is paying for unexpected accidents – they do happen! Public Liability insurance is designed to provide protection for you and your business in the event a customer, supplier or a ...

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Public Liability QLD

... from our customers rated our service at excellent. How much do Trades & Service pay for Public Liability Insurance? The typical amount a small business operating in the Trades & Service industry in Queensland can expect ...

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Public Liability WA

... tripping on a box you didn't put away or your employee damaged a client's antique property? A Public Liability insurance policy will help give you peace of mind. We know, sometimes you just want a quick idea of how ...

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Insurance for Disability Workers

... advice, relying on you to help them live their best lives. Having Professional Indemnity and Public Liability insurance as a disability support worker is vital important to provide protection for you while you help your ...

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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 . ... a result of an interruption to your business caused by an insured event. Management Liability* Management Liability insurance is designed to provide protection to both the business and its directors or officers for ...

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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 ... ... you 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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Insurance for Electricians

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

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Insurance for Painters

... or a customer trips over your scaffolding. These are just two examples of when you would want Public Liability insurance to protect you as a painter. For covered claims, it will meet your legal and defence costs together ...

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Insurance for Yoga Teachers

... * Working closely with your clients can also put you at risk of personal injury claims meaning Public Liability insurance is important for Yoga teachers. It is designed to provide protection for you and your business in ...

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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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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 ... ... condition 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 3rd parties due to your ...

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Insurance for Restaurants & Cafes

... BizCover, you'll get multiple competitive quotes from leading insurers within minutes. Did you Know? Public Liability Insurance: The average level of cover our customers take for their restaurant and cafe business is 10 ...

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Insurance for Lawn Mowing Services

... you accidentally causing damage to the neighbouring property for a claim to happen. Your Public Liability insurance policy provides financial protection by covering the legal and defence costs, court attendance costs and ...

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Insurance for martial art teachers

... spend a lot of time with your clients - whether in a dojo or somewhere else. Either way, Public Liability insurance is important for martial arts trainers by providing protection for you and your business in the event a ...

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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 ... ... cover with the right limits in advance. Some industry bodies will require you to have your own Public Liability insurance policy before being able to join Cover your bits Your tools of trade are vital to getting the job ...

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Insurance for pharmacy and pharmacists

... errors, breaches of privacy and investigations/actions brought by AHPRA and other regulatory bodies. Public Liability insurance* is another type of cover likely to be relevant for pharmacy owners. It is designed ...

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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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The business of Business Insurance*

Whether you have just served your first customer or you have been in your business for many years, you have put a lot of time and effort into building your business. Don’t risk wasting all this effort by not protecting your business assets from unexpected events. No matter how much you plan and prepare for things, sometimes there are circumstances that are out of your control – you need to ensure you have a plan to protect your business today to ensure you’ll be in business tomorrow.

Business Insurance can provide financial cover for your business, including the premises and contents, against loss, damage or theft as well as cover against any resulting financial loss from an insured interruption to the business. The type of cover and amount will depend on the nature of your business and what areas you think you are the riskiest for you. Pick and choose the cover options that suit you best. And you can include Public Liability Insurance to ensure you are not financially responsible for the costs of a legal claim should a third party get injured or suffer property damage whilst you are doing business.

Excellence in Customer Service


Independent feedback from our customers rated our service at excellent.

What is included?

A) Material damage loss for your physical assets

B) Financial loss due to Business Interruption

Choose cover options below!

What is typically NOT covered?

  • Negligence/breach of duty arising from an act, error or omission as a result of your professional services
  • Flood damage is generally excluded from standard policies
  • Known claims and circumstances

Download Business Insurance Fact Sheet

Link to Business Insurance Factsheet

Get the cover that is right for you

Your business may be considered ‘small’ but it’s big to you and big to us. That’s why we want to make sure you have the right protection. We offer various cover options to suit a variety of businesses.  Take a few minutes to consider some of the following risk areas and think about which ones impact you and how much cover your business would need should things not quite go to plan.

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