5 Tips for an Insurance Health Check

If your insurance is due for renewal or ... just wanting to do a general review of your business, it ... a health check of your insurance to ensure ... the level of your Public Liability insurance. Similarly, take into account any ... your business, click here to compare your insurance. Compare Free Quotes Now

read more

7 Types of Insurance Your Small Business Should Consider

... is Small Business Insurance. But what kind of insurance do you actually ... ... , and your liabilities. Public Liability Insurance Every business should consider Public Liability Insurance - even ... Building, Contents, Theft, Glass, and General Property. It is designed to ...

read more

Public Liability

... your negligent business activities. Public Liability Insurance also provides assistance with the ... a different amount of cover compared to another. When deciding on ...

read more

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 ... to have' insurance. Examples of “must have” insurance: Public Liability– protects against legal ... 25,000 clients. They provide general advice backed by an experienced ...

read more

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 ... What is Building Cover? Building Insurance provides protection for material damage ... of inoccupancy: Loss, damage or liability during any period in excess ...

read more

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 ... covered by public liability insurance in the following circumstances: The general public can ... be attended by the general public. A public liability insurance policy should include ...

read more

What is Product Liability Insurance?

Do I need Product Liability Insurance? What is Product Liability Insurance? Product Liability insurance* protects your businesses ... contained on this website is general only and should not be ...

read more

What is Public Liability Insurance?

... need public liability insurance?Claim Example What is Public Liability Insurance?* Public Liability insurance protects your business ... on this web page is general only and should not be ...

read more

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 ... is Cyber Liability Insurance and what does it cover? Cyber Liability insurance can protect ... https://www.ato.gov.au/general/online-services/identity-security/verify-or-report-a-scam/ Australian Cybercrime Online Reporting ...

read more

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

read more

Cyber Liability Insurance: the safety net small businesses need

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

read more

BizCover SME Insurance Price Index Q1 FY20

... price reductions on their Public Liability insurance, while prices have remained steady ... ... price reductions on their Public Liability insurance, while prices have remained steady ... the price of their Public Liability insurance for the most recent quarter ...

read more

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 . ... an insured event. Management Liability* Management Liability insurance is designed to provide protection ... on this web page is general only and should not be ...

read more

Who is Covered Under an IT Liability Policy?

Information Technology Insurance Professionals in the information technology sector face potential liabilities from ... ... covered under an IT Liability Policy? An IT Liability insurance policy typically will ... behalf of the entity. IT Liability insurance policies need to provide cover ...

read more

Keep calm and stretch on with Yoga Teacher insurance

... of arranging your yoga teacher insurance go. As a yogi or ... business. Let us centre your insurance chakra by exploring some of ... ... and circumstances Property damage Public Liability insurance When you work closely with ... on your studio floor, Public Liability insurance can cover the related costs ...

read more

Dishing up the facts on food business insurance

... you have the right business insurance. When it comes to insuring ... ... be compulsory, for example, Public Liability insurance is often required when you ... few boxes of groceries! Public Liability insurance is designed to protect your ...

read more

5 Surprising Things Business Insurance Can Cover

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

read more

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 ... the cost of their Public Liability insurance. SME Professionals have been seeing ... increases in their Public Liability insurance over the last few years ...

read more

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 ... as a liability package with your Professional Liability insurance. Portable Equipment Insurance As a ... 's why Portable Equipment insurance (also known as General Property) is an ...

read more

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 ... Liability Insurance If you're dealing with clients, suppliers, contractors and the general ... .com.au/underwriting/financial-lines-insurance/cyber-liability-and-privacy-protection

read more

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 ... the general public). To cover these types of risk consider public liability insurance ... . Find Out More About Public Liability Insurance As a personal trainer you ...

read more

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 ... , marketing and importantly your Public Liability insurance. It is one of the ... without the right protection. Public Liability insurance can provide you with peace ...

read more

Things you didn't know about small business insurance

Getting the insurance sorted for your small business ... straightforward, jump online, compare quotes and buy the insurance that suits your .. ... that your personal insurance may not cover your business liabilities or property ... sure you jump online and compare what's in the market ...

read more

Comparing Portable Equipment & Electronic Equipment Cover

Business insurance isn't always straightforward, and ... nitty-gritty to understand what insurance is being offered and which ... especially the case ... take a few minutes to compare the two and get our ... your insurer. Portable Equipment This insurance provides repair or replacement for ...

read more

Insurance Premiums for Retailers Continue to Climb

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

read more

How the cost of Professional Indemnity insurance is calculated

... of a Professional Indemnity (PI) insurance policy is calculated and why ... the cost of Professional Indemnity insurance. Insurance policy pricing ... the cost of Professional Indemnity insurance. Insurance policy pricing is generally calculated ... Indemnity Insurance policy might cost you, the best way is to compare ...

read more

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 ... professional sector, primarily around Public Liability and Business Packs (predominately covering ...

read more

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 ... are using BizCover for their insurance, while smaller businesses benefit from ... more demand for Business Contents insurance particularly from businesses with an ...

read more

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 ...

read more

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 ... that you are responsible for. General Property You can cover portable ... covers such as Public Liability and Professional Indemnity insurance to ensure you ...

read more

Do I need insurance for my market stall?

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

read more

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 rent your premises, public liability may be a requirement from ... following example show why cyber insurance is an important part of ...

read more

The Easter Bunny's Guide to Business Insurance

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

read more

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 ... like BizCover who let you compare quotes from multiple insurers online ... making a claim having enough insurance could mean the difference between ...

read more

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 ... on it. “Thankfully my Business Insurance policy included building and contents ... landlord to hold a Public Liability policy. I've always enforced ...

read more

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 ... make sure you have Public Liability, and if you do have ... 're protected within your Business Insurance pack, as with increased trading ...

read more

Personal Accident and Illness Insurance for Tradies

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

read more

Managing Risk for Tradesmen

Running your own trade business or working as a contractor often means you're exposed to greater risk than many other business owners. There's always the potential for ... the right business insurance. Protect your livelihood Public Liability insurance is undoubtedly one ... with Personal Accident & Illness insurance. It pays up to 85 ...

read more

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

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

read more

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, ... can. Negotiate with lending institutions. Compare packages. Take the time to ... even a year. Consider Cyber Liability insurance, especially if your business relies ...

read more

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 ... look out for. Public Liability Insurance This is the most common ... the best price possible and compare it with the others you ...

read more

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 ... Keeping on top of the general maintenance of your building helps ... in these areas. Having Public Liability insurance is one of the vital ...

read more

Keep cool and carry on - A summer survival guide for restaurants and cafés

Iced teas, tropical fruits, a cheeky ice cream those signature flavours of summer are something you would be all too familiar with as a restaurant or caf owner. Summer ... café business is with Public Liability insurance. It is designed to protect ... protected. Contact BizCover today to compare competitive quotes from some of ...

read more

Help Protect your small business' reputation

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

read more

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

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

read more

Preparing your store for the holiday season ahead

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

read more

Business Horror Stories

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

read more

The Art of Being a Creative Small Business

Whether you're running your own business as a small team or flying solo in the freelance world, one thing is for sure, the creative arts industry is anything but boring ... 66,000 or 1.4% compared to 2018's recorded figures ... a requirement to hold Public Liability insurance before you can perform in ...

read more

Comparethemarket.com.au and BizCover Announce White Label Partnership

... business customers an opportunity to compare through the BizCover White Label ... business insurance, having helped over 90,000 Australian small ... ,000 Australian small businesses compare and buy their insurance online. Their White ... be able to compare and purchase their business insurance through the platform ...

read more

5 Reasons to love Personal Accident Cover

Personal Accident and Illness Insurance (IPA Cover)offers financial protection ... ... Health Checks Unlike some other insurance policies, a personal accident policy ... start from $450. You can compare quotes and check out your ...

read more

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 ... ... , Combined Professional Indemnity/Public Liability and Public Liability/Business Packs are not seeing ... , the cost of Professional indemnity insurance for some Allied Health professionals ...

read more

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

read more

Professional Indemnity Claims: when should I notify my insurer?

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

read more

Professional Indemnity for Real Estate Agents

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

read more

Tips for making a Stress-Free Claim

Making an insurance claim can be stressful but ... ... ? This is where Business Interruption insurance comes in handy, providing that ... out more about Business Interruption insurance here. When Disaster Strikes Call ...

read more

BizCover wins dual accolades over two big nights

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

read more

A Close Shave with Underinsurance

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

read more

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 ...

read more

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

Latest Winner of Bizcover.com.au $60,000 'Small Business Buddy Program' Michelton resident Charlotte Hansen last week marked a major milestone when she went from cancer ... and medication as well as general living costs.” Being granted a ... , Public Liability, Business Insurance, Management Liability and now Cyber Insurance. BizCover provides multiple insurance quotes ...

read more

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 ... Personal Accident and Illness (PA) insurance comes into play. Personal Accident ... home. Try sticking to the general rule if your destination is ...

read more

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

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

read more

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 ... ways business insurance can help keep your business alive: Public Liability is ... not found liable, your Public Liability policy will cover the associated ...

read more

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 ... clause can vary from one insurance policy to another. Unforeseeable Interruptions ... mind by contacting BizCover to compare policies from leading Aussie insurers ...

read more

5 Money Saving tips for Small Business

Most small business owners are conscious of their cash flow. Whether you are just starting out or have been in business a while, you'll want to make sure every dollar ... , credit card, bank account or insurance for their business. It may ... site; they'll let you compare key product features and benefits ...

read more

The Business of Love: Small Business Couples Tell All - Part 2

We're back with part two of our Valentines Day special, chatting to couples who spill the beans of what running a small business together is really like. From learning ... a range of different business insurance policies for over 6000 different ... and compare multiple policies from some of Australia's most competitive insurance ...

read more

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 ... also important to choose suitable insurance coverage to give you peace ... obstacles apply to manufacturing in general, furniture manufacturing is especially sensitive ...

read more

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 ... when you get your Business Insurance you also cover for Business ... . Glass Cover, under a Business Insurance Pack will cover your for ...

read more

How to Kickstart Your Best Year in Business

In the blink of an eye, another new year is here, and it is a great time to get your business ready for a successful year. Taking the time to review some of your existing ... from unexpected risks. Reviewing your insurance is an opportunity to make ... to start? Download our Business Insurance Checklist for Small Businesses here ...

read more

5 Legal Essentials for your Small Business

By Bianca Reynolds Bianca is a lawyer at LegalVision. Throughout her studies, she gained experience in a variety of areas of law including family, commercial, and personal ... resolution procedures; and Limitations of liability and disclaimers. If you provide ...

read more

Customer Spotlight: Being Brands

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

read more

A $2,000 Wish for Your Small Business

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

read more

BizGiver finds it's latest winner in Wild Forage

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

read more

Reviews related to compare general liability insurance

  • product knowledge and advice are excellent

    Frank F

  • Easy to read understand and follow

    Tui d

  • Easy As!! Thank you

    Casey W



  • Excellent Customer Service

    Trevor C

Get instant quotes

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: