Dishing up the facts on food business insurance

... you have the right business insurance. When it comes to insuring ... ... Interruption insurance. It provides cover for loss of income and the increased costs ... or property damage. Visit to get a quick quote ...

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Who is Covered Under an IT Liability Policy?

Information Technology Insurance Professionals in the information technology ... ... of Documents/Data; Defence Costs associated with covered claims. What about Products ... response to commercial contracts between consultants and clients requiring these insurances in ...

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Managing Risk for Tradesmen

... you work on domestic or commercial building sites, undertake maintenance and ... ... you work on domestic or commercial building sites, undertake maintenance and ... their property as a result of your business activities by covering the cost ...

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Digital Marketing Tips for Cabinet Makers

Even the best cabinetmaker needs new business and customers. While several professional woodworkers depend on word of mouth advertising, connecting with future customers ... groups comprised of homeowners or commercial property owners who are looking to ... making business should also consider insurance options.

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Insurance for Furniture Manufacturers

... This is where business insurance comes into play and ... insurance can feel overwhelming at times, with many types of cover ... available ... public are injured or sustain property damage as a result of ... Breakdown* - Machinery breakdown insurance covers the cost to repair or replace specified ...

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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 ... access to a fast, free insurance quote within seconds might have made ... financially and reputationally. Insurance will cover you for the costs of legal defence ...

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Legal Requirement for Public Liability Insurance

Public liability insurance covers your business for losses or ... . Failure in obtaining public liability insurance policy can expose a business ... ... payouts, court fees and legal costs can potentially cripple a business ... Public Liability Insurance Cover? Broadly, public liability insurance covers loss or damage to property, injury ...

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5 Surprising Things Business Insurance Can Cover

... for Business Insurance, most small business owners typically worry about covering the ... you know you can get cover for most risks that a ... things such as people or property, but did you know 'data ... little addition to your insurance portfolio. It covers the cost incurred from a ...

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How the cost of Professional Indemnity insurance is calculated

... how the cost of a Professional Indemnity (PI) insurance policy is calculated ... and why one profession can often cost more ... that that ... that that impact the cost of Professional Indemnity insurance. Insurance policy pricing is ... when calculating which level of cover your business may need: Legislative ...

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Comparing Portable Equipment & Electronic Equipment Cover

Business insurance isn't always straightforward, and ... nitty-gritty to understand what insurance is being offered and which ... with Business Insurance ... with Business Insurance options like Portable Equipment and Electronic Equipment cover, so ... their vehicle. Insuring under a commercial vehicle policy may also be ...

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Keep calm and stretch on with Yoga Teacher insurance

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BizCover SME Insurance Price Index Q1 FY20

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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 ... you be able to cover the restoration costs? Would you be able ... property and bank account information. The following example show why cyber insurance ...

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What is Product Liability Insurance?

... injury or property damage. Product Liability insurance is intended to cover any compensation ... costs (these are the reasonable costs incurred while investigating and defending a covered ...

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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 ... on your business insurance. Cover yourself up! Check your insurance cover levels to see ... BizCover who let you compare quotes from multiple insurers online or ...

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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 ... a Business Insurance pack the Easter Bunny would have cover for machinery ... the deterioration of stock, covering the cost of repairs or replacement, as ...

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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 end ... . Do you have Business Insurance to cover your stock and contents from ... if your current policy will cover that cost. 3. Keeping that extra ...

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When it Rains it Pours: Understanding Flood Cover.

When it comes to Business Insurance, understanding what's included and ... when it comes to flood cover. But it doesn't need ... explaining the basics When it comes to Business Insurance, understanding what's included and ... property would likely be covered Q: How much would adding cover for flooding cost ...

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Things you didn't know about small business insurance

Getting the insurance sorted for your small business ... , jump online, compare quotes and buy the insurance that suits your business ... not know ... , jump online, compare quotes and buy the insurance that suits your business ... your personal insurance may not cover your business liabilities or property. If you ...

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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 ... aware of what isn't covered should also be considered, [ ... ... of a service. Business Insurance – This can cover your work premises and ... you insure an $800,000 property for $500,000 and a ...

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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 ... not only have the right cover [] ... claim for personal injury or property damage that occurs as a ... at another location. Business Insurance Tailored cover to protect your building and ...

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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 ... and easily get cover due to an increase in insurance carrier appetite ... business owner was able to quote and buy online without agent ...

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The Risky Business of Insurance

What are the Real Costs to Australian Small Business? Small ... ... costs in the event that someone is injured, or has their property ... , transparent and competitive. Online insurance experts BizCover cover over 2,000 occupations ...

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Small Business Insurance Index

... price increases in the business insurance market, SMEs are continuing to ... increase in the cost of business insurance, the BizCover SME ... great to see that their insurance costs remain stable when purchased through ... platform to reduce their insurance costs with comparable cover.” Download the full report ...

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5 Reasons to love Personal Accident Cover

Personal Accident and Illness Insurance (IPA Cover)offers financial protection when you can ... or sickness. A policy will cover your lost income Personal Accident and Illness Insurance (IPA Cover)offers financial protection when you can ... $450. You can compare quotes and check out your cover options here.

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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 ... BizCover Small Business Insurance Price Index has shown insurance rates dropping back ... Liability and Business Packs (predominately covering perils and theft), with the ...

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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 latest BizCover Small Business Insurance Price Index has been released ... not universal. Graph 1 – BizCover Insurance Price Index (Financial Year 2017 ...

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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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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 ... as your legal and defence costs. Business Insurance To bring your creative ... data and your prized intellectual property? With almost everything stored online ...

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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 ... Legal and defence costs Claims investigation costs Court attendance costs PR costs to help ... Equipment insurance (also known as General Property) is an essential form of cover ...

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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 ... an injury (or even damages property) as a result of you ... have combined the two covers into one insurance package. So you can ...

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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 ... for the costs of repairing or replacing other people's property that ...

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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 setbacks ... my Business Insurance policy included building and contents cover”, says Sarah ... about is paying hefty legal costs should an unwanted accident occur ...

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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 ... your business by covering the expenses and legal costs that are associated ... included in Cyber Liability insurance are: · Damage to property · Replacement of equipment ...

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Public Liability

... , suppliers, community and their property. Public Liability Insurance is designed to provide ... the legal costs associated with managing claims that are covered by the ...

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Professional Indemnity Claims: when should I notify my insurer?

... (PI) insurance is no doubt one of the most vital covers you ... assistance for legal and compensation costs in the event of action ... against ... (PI) insurance is no doubt one of the most vital covers you ... assistance for legal and compensation costs in the event of action ...

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A Close Shave with Underinsurance

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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 the ... of insurance for tradespeople. It covers the business and their employees against property ... job should cost to complete and what kind of quote is reasonable ...

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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 the baby steps, ... services rendered. Assess what business property you need to insure. Do ... about more than Business Interruption insurance, which covers lost income due to ...

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5 Ways To Prepare Your Business Premises For The Cooler Seasons

As we say goodbye to those sunny summer days and hello to fresh, frosty mornings, the change in seasons is a prime time to make sure your business premises is prepared ... , is a wise investment, covering the costs of repairing or replacing insured ... 's why making sure your insurance is covering you for the right ...

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The balancing act of work/life balance: how you can do it all and stress less

This Stress Down Day, we're here to help you gain back some equilibrium at work and stress less along the way. Research shows that 90% of Australians need to stress less ... could result in accidental injuries, costing you precious time off without ... tailored quote for Personal Accident and Illness insurance today! *As with any insurance, cover ...

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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 ... victims also incur the additional costs of business interruption and productivity ... section of their policy covered them. Business Insurance cover options such as Management ...

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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 perks ... scenarios. Glass Cover, under a Business Insurance Pack will cover your for damage ... by them, having the right insurance cover can mean that your business ...

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Toolbox of Tips for Tradies National Health Month

Tradies National Health Month is an important campaign held every August in Australia each year, aiming to raise awareness around the health and safety of tradies. According ... play. Personal Accident insurance* can provide levels of cover if as a ... easy. *As with any insurance, cover will be subject to the ...

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5 Legal Essentials for your Small Business

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Tips for making a Stress-Free Claim

Making an insurance claim can be stressful but ... ... your insurance policy's Product Disclosure Statement (aka PDS) cover to cover daunting ... a claim, particularly on physical property such as stock, machinery or ...

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Professional Indemnity for Real Estate Agents

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What is a Cabinet Maker?

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How to Kickstart Your Best Year in Business

... habits doesn't need to cost the earth or [] ... ... insuring and that you're covering your business for the things ... to start? Download our Business Insurance Checklist for Small Businesses here ...

read more 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 ... around for their business cover.” “BizCover have cover options for over 6 ...

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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 ... ... healthy competition in the business insurance market. The BizCover Small Business ... an example, the cost of Professional indemnity insurance for some Allied Health ...

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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 [] ... award recognised the “Small Business Insurance Made Even Easier” campaign for ... to translate the entire BizCover quoting process. Since inception the company ...

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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 ... the price of ... the price of professional/business insurance for Australian SMEs. Since the ... with capital chasing returns in insurance.” The Professional Indemnity rates reduced ...

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Pet Stays, becomes the 32nd BizGiver winner

... the 32nd Winner of BizCover Insurance's BizGiver $2000 Small Business Grant ... ... the 32nd Winner of BizCover Insurance's BizGiver $2000 Small Business Grant ... more traditional methods of buying insurance, said Michael Gottlieb, Founder and ...

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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 ... your Public Liability insurance policy has adequate cover to protect you and ... theft which includes cover for both theft of property and money. In ...

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Don't be a pork chop - insure your butcher shop

There's a lot at stake.. Think of all the hard work you have put into creating your butcher shop business starting with the early days as an apprentice to building up ... quickly add up and would cost an arm and a leg ... Breakdown cover is available under a Business Insurance pack and provides cover for ...

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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 ... , loss or damage to their property. The last thing you want ... you update your insurance policy to ensure they are covered. With these ...

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A roadmap to staying in business for the long haul: Part 2

The journey to becoming a successful small business owner is one of twists, turns and the occasional speed bump. In our two-part series (catch up on part 1 here) we map ... Public Liability policy will cover the associated legal costs of defending your ... best, stress-free. Having business insurance gives you peace of mind ...

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Challenges of the Furniture Manufacturing Industry

Modern furniture design Furniture design isn't exactly easy. Furniture designing is an artistic niche that caters to both the functionality, as well as the visual appeal ... more than just decor. Designing commercial office furniture is not something ... also important to choose suitable insurance coverage to give you peace ...

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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 ... defence costs, claims investigation costs, some civil fines and penalties, Management Liability insurance ... Cyber Liability insurance is that it includes cover for the reasonable costs and ...

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

Latest Winner of $60,000 'Small Business Buddy Program' Michelton resident Charlotte Hansen last week marked a major milestone when she went from cancer ... , Business Insurance, Management Liability and now Cyber Insurance. BizCover provides multiple insurance quotes instantly ... select and purchase the right cover immediately. BizCover partners with leading ...

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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 ... tax audit cover either as part of your business insurance or as ... you through the process. The cost for a small business audit ...

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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 ... than to worry about the cost of insurance.” “In the short term ...

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10 Tools Every Small Business Should Gift Themselves This Christmas

When you are running a small business you have to be many things at once, an accountant, a marketer, a technician as well as an administrator. Luckily, in today's digital ... the basic package and the cost to license many images is ... online business insurance, where you can compare multiple quotes from Leading Insurers ...

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Cabinet Makers: How to get noticed and increase your customer base

It's not easy to get your business noticed, either online or by other means. No matter what you do, there are plenty of other businesses all vying for attention in the ... and working with home and commercial home builders, plumbers, and interior ... your cabinet company. There are insurance options available for cabinet makers ...

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Marketing Basics for Cabinet Manufacturers

Seek Feedback and Testimonials from Customers In order to grow, every business needs feedback from customers. Whether it's a simple survey, or verbal feedback, a cabinet ... , also have at least one commercial truck for collecting supplies, delivering ... anyone to implement. Cabinet making insurance options should also be considered.

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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


*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.

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: