Compare Public Liability Insurance Australia
- Over 6,000 Occupations Covered
- Competitive pricing with our Price Promise
- Flexible payment options – monthly or annually
Compare quotes from our trusted insurance partners*:
Public Liability Insurance In Rockhampton
... Range of covers to suit your needs Compare quotes from our trusted insurance partners: P ublic L iability I nsurance * for Rockhampton businesses Public Liability insurance is designed to provide protection for you ...
read morePublic Liability Insurance In Port Macquarie
... Range of covers to suit your needs Compare quotes from our trusted insurance partners: P ublic L iability I nsurance * for Port Macquarie businesses Public Liability insurance is designed to provide protection for you ...
read morePublic Liability Insurance In Perth
... insurers Range of covers to suit your needs Compare quotes from our trusted insurance partners: P ublic L iability I nsurance * for Perth businesses Public Liability insurance is designed to provide protection for you ...
read morePublic Liability Insurance In Hobart
... insurers Range of covers to suit your needs Compare quotes from our trusted insurance partners: P ublic L iability I nsurance for Hobart businesses Public Liability insurance is designed to provide protection for you and ...
read morePublic Liability Insurance In Darwin
... insurers Range of covers to suit your needs Compare quotes from our trusted insurance partners: P ublic L iability I nsurance * for Darwin businesses Public Liability insurance is designed to provide protection for you ...
read morePublic Liability Insurance In Brisbane
... insurers Range of covers to suit your needs Compare quotes from our trusted insurance partners: P ublic L iability Insurance * for Brisbane businesses Public Liability insurance is designed to provide protection for you ...
read morePublic Liability Insurance In Adelaide
... insurers Range of covers to suit your needs Compare quotes from our trusted insurance partners: P ublic L iability I nsurance * for Adelaide businesses Public Liability insurance is designed to provide protection for you ...
read morePublic Liability Insurance In Mandurah
... insurers Range of covers to suit your needs Compare quotes from our trusted insurance partners: P ublic L iability I nsurance * for Mandurah businesses Public Liability insurance is designed to provide protection for you ...
read moreHow much does Public Liability Insurance Cost?
... in NSW and Queensland, compared to all other states, with a higher proportion of businesses that operates in industries with a higher perceived risk. What is the average cost of Public Liability insurance by state or ...
read morePublic Liability
... insurance partners*: Compare quotes from our trusted insurance partners: Public Liability Insurance Cost What's included & what's not? Get the right cover FAQ's Public Liability insurance Public Liability insurance ...
read moreWhat does Public Liability Insurance cover?
... means 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 ...
read morePublic Liability Insurance Explained
... Advertising Injury Pollution Reckless or wilful failure to take care Do I really need Public Liability Insurance? Public Liability insurance is a fundamental type of cover that many different types of business may find ...
read moreHow much Public Liability insurance do I need?
... up to you. Many business contracts will include a minimum amount of Public Liability insurance to be in place -stipulating the amount of Public Liability insurance you are required to have to comply with the terms of the ...
read more7 Common Types of Small Business Insurance
... liabilities. 1. Public Liability Insurance Every business should consider Public Liability Insurance ... do this is to use a comparison site where you can compare products closely and choose one that meets all of your small ...
read moreDoes Public Liability insurance cover employees?
... PL covers their employees if their injuries are caused by their work. However, these injuries may actually be covered by Workers Compensation insurance . So, to help clear up the confusion, let's compare Public Liability ...
read more5 tips for getting the best Public Liability insurance for your business
... sounds, accidents happen. If you don't have Public Liability insurance you face the risk of being out of pocket ... 5 key considerations to make finding and comparing a Public Liability policy a little easier: 1. Ensure the ...
read morePublic Liability Insurance In Brisbane
... instantly from top insurers Range of covers to suit your needs Compare quotes from our trusted insurance partners: Small Business (Public Liability) Insurance in Brisbane If you're a small business owner in Brisbane ...
read morePublic Liability Insurance VIC PPC
... pricing with our Price Promise Flexible payment options - monthly or annually Compare quotes from our trusted insurance partners: Public Liability Insurance Cost What's included & what's not? Get the right cover ...
read morePublic Liability Insurance WA
... sold in WA Flexible payment options - monthly or annually Compare quotes from our trusted insurance partners: Here's the lowdown on WA public liability insurance* As a small business owner in Western Australia you ...
read morePublic Liability Insurance NSW
... Based In Sydney Flexible payment options - monthly or annually Compare quotes from our trusted insurance partners: What you need to know about Public Liability insurance* in NSW As a small business owner in New South ...
read morePublic Liability Insurance QLD
... Price Promise Flexible payment options - monthly or annually Compare quotes from our trusted insurance partners: Here's the lowdown on QLD public liability insurance* As a small business owner in Queensland you already ...
read morePublic Liability Insurance in QLD
... - monthly or annually Compare quotes from our trusted insurance partners*: Public Liability Insurance Cost What's included & what's not? FAQ's What is Public Liability insurance? Public Liability insurance is designed to ...
read morePublic Liability Insurance NSW
... Based In Sydney Flexible payment options - monthly or annually Compare quotes from our trusted insurance partners: Here's the lowdown on NSW public liability insurance* As a small business owner in New South Wales you ...
read more5 Things to Consider When Buying Public Liability Insurance
... landlord may require you have a Public Liability insurance policy in 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 ...
read morePublic Liability PPC
... insurers Cheapest price guaranteed Trusted by 55,000 Australian businesses Compare quotes from our trusted insurance partners: Why do I need Public Liability Insurance? You can't prevent clumsy people from being clumsy ...
read moreHow much does Combined Liability Insurance Cost for Allied Health Professionals?
... professionals come as package combined with Public Liability (PL) insurance to provide a greater level of ... a higher perceived risk will understandably pay higher premiums compared to occupations with a much lower risk of a ...
read moreInformation Technology Liability Insurance
... ,000 to $2,000,000 Public Liability Limits from $5,000,000 to $20,000,000 Insured Turnover up to $5,000,00 Compare quotes from our trusted insurance partners*: Compare quotes from our trusted insurance partners*: What is ...
read moreAllied Health Combined Liability Insurance
... $10,000,000 Public Liability Limits from $250,000K to $10,000,000 Insured Turnover up to $5,000,000 Compare quotes from our trusted insurance partners: Compare quotes from our trusted insurance partners*: What is Allied ...
read moreCyber Liability Insurance
... insurance partners: Compare quotes from our trusted insurance partners*: What's included & what's not? Get the right cover Could this happen to you? What is Cyber Liability Insurance? Cyber Liability insurance ... a Public ...
read moreTop tips for buying Management Liability Insurance
... . As such, proactively reducing your exposure to risk via business insurance such as Public Liability insurance and Professional Indemnity insurance may be something that you consider. 3. Don't confuse Management ...
read moreInsurance for Engineers
... our Price Promise Compare quotes from our trusted insurance partners*: Why do Engineers need insurance? You know ... costs and expert fees). Public Liability Insurance Do you need Public Liability insurance? The short answer ...
read moreInsurance for Architects
... Boards Compare quotes from our trusted insurance partners*: Why do Architects need insurance? ... after the doors have closed. Public Liability Insurance Do you need Public Liability insurance? The short answer is probably ...
read moreInsurance for Convenience Stores
... Compare quotes from our trusted insurance partners*: Why do Convenience Stores need insurance? ... Insurance for Convenience Stores Public Liability Insurance* Public Liability insurance is an important form of insurance ...
read moreBusiness Insurance
... Web developer Common types of insurance for home based businesses Public Liability* One of the basic insurances to consider is Public Liability insurance. Public Liability insurance is designed to provide protection ...
read moreBusiness Insurance Perth
... 000 Australian Businesses Compare quotes from our trusted insurance partners: Insurance for businesses in ... if this is at your home-based business. Public Liability insurance can provide peace of mind and protection from ...
read moreInsurance for Dog Walkers
... within a public park. What types of insurance do dog walking businesses typically consider? Public Liability Insurance Public Liability insurance is important for dog walkers. Public Liability insurance is designed ...
read moreInsurance for Consultants
... Consultant ^Accurate as at September 2019 Public Liability Insurance* Public Liability insurance is a no brainer for all types of consultancy services. Public Liability insurance is designed to provide protection for ...
read moreInsurance for Butcher Shops
... needs Compare quotes from our trusted insurance partners*: Why do Butcher Shops need insurance? While ... a tenant it is usually a requirement to hold Public Liability insurance and Glass cover before signing a lease. Your ...
read moreInsurance for Massage & Alternative Therapies
... insurers Compare quotes from our trusted insurance partners*: Why do Massage Therapists need insurance? While ... them, making Public Liability insurance an important form of cover. Public Liability insurance is designed to ...
read moreInsurance for Retailers
... party on the insurance policy. Insurance for Retailers Public Liability Insurance* Public Liability insurance is an important type of insurance cover for retail shop owners. Public Liability insurance is designed to ...
read moreInsurance for Plasterers
... in the policy wording. Insurance for Plasterers Public Liability Insurance* Protecting your business with Public Liability insurance is a concrete decision. Public Liability insurance is designed to provide protection ...
read moreBusiness Insurance in Bunbury
... to suit your business needs Compare quotes from our trusted insurance partners: Business I nsurance * ... public liability, tax audit, employment practices and statutory liability risks. Business Insurance is an insurance ...
read moreInsurance for Civil Engineers
... promise Compare quotes from our trusted insurance partners*: Why do Civil Engineers need insurance? The ... managing claims which are covered by the policy. Public Liability Insurance Whether you work on-site or in an office ...
read moreHome Based Business Insurance
... quotes instantly from some of Australia's leading insurers Compare quotes from our trusted insurance partners: Public Liability Insurance Cost What's included & what's not? Get the right cover FAQ's Why do Home Based ...
read moreBusiness Insurance in Townsville
... Compare quotes from our trusted insurance partners: Choose BizCover for Your Townsville Business Insurance ... be useful even if it's not required. Public Liability insurance helps you manage third-party claims of injury ...
read moreBusiness Insurance in Geelong
... needs Compare quotes from our trusted insurance partners: Choose BizCover for Your Geelong Business Insurance Needs ... space. Even if it's not required, Public Liability insurance can help you manage the costs of injury ...
read moreInsurance for Gift Shops
... part of a commercial lease agreement Insurance for Gift Shops Public Liability Insurance* If you operate through a shop, you want customers in your store. Public Liability insurance is designed to provide protection for ...
read moreInsurance for Restaurants & Cafes
... Liability insurance. Choose BizCover to compare competitive quotes and save on your business insurance. Some of the factors that you need to think about when calculating what level of Public Liability insurance your ...
read moreManaging Risk and Liability as a Sole Trader
... of sole trader insurance . Public liability insurance* Public liability insurance provides protection for ... insurance*. Visit the dedicated sole trader insurance section of the BizCover website to compare business insurance ...
read moreInsurance for Personal Trainers
... Compare quotes from our trusted insurance partners*: Why do Personal Trainers and Fitness Professionals need insurance ... covered by the policy. Public Liability Insurance* Public Liability insurance is important to keep ...
read moreInsurance for IT Professionals
... Compare quotes instantly from some of Australia's leading insurers Compare quotes from our trusted insurance partners*: Professional Indemnity Insurance ... Indemnity insurance policies. Public Liability Insurance* Chances ...
read moreInsurance for Restaurants
... covers, including Glass and Machinery Breakdown Competitive Prices with our Price Promise Compare quotes from our trusted insurance partners: Public Liability Insurance cost for Restaurant & Cafes Why do Restaurants need ...
read moreBusiness Insurance FAQs
... . What is Public Liability Insurance? What does public liability insurance cover? Do I need public liability insurance? How much public liability insurance do I need? How much does public liability insurance cost? How ...
read moreProfessional Indemnity Insurance
... annually Compare quotes from our trusted insurance partners*: Compare quotes from our trusted insurance partners: ... kind of claims would typically be covered by Public Liability insurance ) How Much Cover Should I have ? ...
read more7 surprising ways business insurance can help your company
... of the common types of business insurance to consider is Public Liability insurance *. It provides peace of mind ... insurers, so you can compare and get covered in minutes. *As with any insurance, cover will be subject to ...
read moreInsurance for Furniture Manufacturers
... yearly Compare quotes from our trusted insurance partners*: Why do furniture manufacturers need insurance? ... mandatory safety standards. Insurance for Furniture Manufacturers Public & Products Liability* There are a ...
read moreInsurance for Tutors
... business needs Compare quotes from our trusted insurance partners*: Why do Tutors need insurance? While you ... suit your individual business needs* Insurance for Tutors Public Liability Insurance* Whether you are out and ...
read moreInsurance for Professionals
... Promise Compare quotes from our trusted insurance partners*: Why do Professionals need Insurance? While ... investigator costs and expert fees). Public Liability Insurance* Public Liability insurance can be an important form ...
read moreInsurance for Pizza Shops
... your business assets Compare quotes from our trusted insurance partners*: Why do Pizza Shops need insurance? Take a moment ... making Public Liability an important form of insurance to consider. Public Liability insurance is ...
read moreInsurance for Marketing Consultants
... , we don't need to convince you that comparing insurance from some of Australia's leading insurers online is ... vitamin D by heading out to meet them, Public Liability insurance is important to your business. It is designed ...
read moreInsurance for Real Estate Agents
... Promise Compare quotes from our trusted insurance partners*: Why do Real Estate Agents need Insurance? ... their business. Choose from coverage options including: Public Liability Insurance It's likely that you have an ...
read moreInsurance for Project Managers
... needs Compare quotes from our trusted insurance partners*: Why do Project Managers need insurance? ... Public Liability Insurance Whether you work from an office or you're out and about onsite, Public Liability insurance ...
read moreThe beauty of ensuring your business insurance is Australian Made
... insurance market by creating BizCover , an online service to simplify comparing and buying business insurance ... close contact with your clients, making Public Liability insurance an important cover for beauty therapists. ...
read moreInsurance for Registered Migration Agents
... Promise Compare quotes from our trusted insurance partners*: Why do Registered Migration Agents need Insurance? Just ... your exclusive discount code. Public Liability Insurance* Public Liability insurance is an easy choice ...
read moreFacing challenges head-on: small business toughen up in 2022
... . And we match that work ethic by investing in personal growth, wellbeing and career development. “Nothing in 2022 can compare to the passion and resilience of a team that won’t give up.” More adapting ahead - and more ...
read moreBizCover announces latest round of BizGiver small business grant
... is due to the small business community, who have embraced our services over more traditional methods of buying insurance,” said BizCover Founder and CEO Michael Gottlieb. “This program is just one way we aim to give back ...
read moreRisky behaviour: the things keeping small business owners up at night
... Manufacturing and Trade, lead the way. But the fact a third of small businesses don't have Public Liability insurance is still concerning. Also concerning is the fact that, while more than half (53%) of small businesses ...
read moreWhat really matters to small business owners in 2022
... to feel more in control of their decisions. A more stable operating environment - and the right insurance - could provide greater certainty. Unfortunately, we saw a disconnect between the risks facing small business ...
read moreA small business owners guide to staying motivated
... store owners and plumbers we provide a range of insurance products from the basics like Public Liability and Professional Indemnity to Business Insurance , Cyber Liability and more.* Our online platform takes the drama ...
read moreLifestyle Tradie Group trades up; next Small Business Buddy Winner
... overnight”. The Small Business Buddy Wishes grant is an initiative of BizCover, an online Business Insurance service that has partnered with Australia's leading insurers to provide simple and easy coverage for Small ...
read moreChilders Local wins the latest Small Business Buddy Grant
... community, who have over the past seven years have embraced our online insurance services over more traditional methods of buying insurance . Having someone literally change their business capacity overnight with a $2000 ...
read moreTriumph after Tragedy for QLD Fitness Trainer Latest Winner of Bizcover.com.au $60,000 'Small Business Buddy Program'
... and medium sized businesses buy Professional Indemnity, Public Liability, Business Insurance, Management Liability and now Cyber Insurance. BizCover provides multiple insurance quotes instantly online and the ability to ...
read moreDoggone Great! Local QLD Business Selected in the $60,000 'Small Business Buddy Program'
... medium sized businesses buy Professional Indemnity , Public Liability , Business Insurance , Management Liability and now Cyber Insurance . BizCover provides multiple insurance quotes instantly online and the ability to ...
read more5 steps for creating your small business budget
... BizCover website or give us a call 1300 920 864 to find out how to quickly and easily purchase business insurance for your small business. Because that's what we're all about. *This information is general only and does ...
read moreMetattude: The importance of leadership training in small business
... his customers to get their business insurance needs sorted out through the platform. A customer since 2015, David gets his Combined Professional Indemnity and Public Liability policy through BizCover. “My experience with ...
read more5 productivity tips for small business owners
... business, remember to also consider how you will protect it from risks and liabilities. A fantastic way to do that is through small business insurance *. At BizCover we've created a truly simple way to get your small ...
read moreWhat are the benefits of a trade mark for a small business?
Guide to understanding trade marks for small businesses Part 1: What are trade marks and what are the benefits for a small businesses IP Australia, the government agency that administers IP rights, estimates that of the ...
read moreSmall business opportunities in the NDIS workforce
... NDIS insurance Insurance is a requirement of the NDIS registration. NDIS businesses need Public Liability and ... Nicole Gamerov. “Through BizCover, you can compare insurance packages from some of Australia's leading ...
read more5 money saving tips for small business
... get a new loan, credit card, bank account or insurance for their business. It may be that the provider of ... do this is using a comparison site; they'll let you compare key product features and benefits, as well as price on ...
read moreSmall Business Insurance Price Index Q3
... 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 ...
read more5 legal essentials for your small business
... terms; Delivery; Obligations under the Australian Consumer Law (ACL); Dispute resolution procedures; and Limitations of liability and disclaimers. If you provide services to clients, your T&Cs will also cover payment ...
read more6 things you didn’t know about small business insurance
... compare quotes and buy the insurance that suits your business. But there are a few things you may not know about small business insurance ... To put this in perspective, a public liability policy for an SME working from home ...
read moreSmall Business Insurance Index Q2: 5 point increase, largest in 10 quarters
... 10 quarters. This brings the insurance rates back to the same level ... compared the first quarter of 2012/13. The major driver behind the increase is a hardening of rates in the non professional sector with Public Liability ...
read moreHow small business can improve cash flow
... business via business insurance. “Business insurance products such as Public Liability Insurance , Building & Contents Insurance , a Business Insurance Pack and Business Interruption Insurance can help small business ...
read more11 highly profitable small business ideas in Melbourne
... an insured event occurs. Public Liability insurance : Business insurance that protects you from ... online destination for small business insurance to compare competitive business insurance in Victoria , get covered in ...
read moreShredding the Habit: Small Business Owners Share the Bad Habits they Would Be Happy to See in Pieces
... ur profession , location and number of employees. Underinsurance is a bad habit among Australian businesses, with the Insurance Council of Australia * f inding that almost 20% of small businesses are n't insured for the ...
read moreA $2,000 Wish for Your Small Business
... and they need not be a policy holder with BizCover's insurance service. “So much of BizCover's success is due ... , and from there the winner will be determined by public voting via the BizCover Facebook page. You can enter ...
read moreThe State of Small Business
... operating with more than one person) . To get under the hood of interstate tradie riva lry, we compared the number of trades and services small businesses operating within NSW and QLD and the results are staggering. NSW ...
read moreMobile Food Truck Business wins a new sparkling make-over with the latest BizGiver Small Business Grant.
... thanks to the BizGiver Small Business Grant . The BizGiver Small Business Grant is an initiative started by BizCover Insurance , which grants the wish of small businesses of up to $2000 value. Started in 2015, the grant ...
read moreSmall Business Resolutions for 2017
The New Year is a great time to take stock of both your personal life and business life and set some goals to set you up for success throughout the year. Even the process setting of goals for the year can go a long way ...
read moreIs your small business summer proof?
... There's a lot to enjoy, including plenty of public holidays, long days and great weather. But along with ... to make sure you are covered for a fire. Not all insurance policies will cover a bushfire so it's important to take ...
read moreTop 10 tools every small business should have
... it's a claim arising from a mishap with a client through Public Liability Insurance, or fending off digital threats with Cyber Liability Insurance, BizCover has got your back. Equip your business with the protection it ...
read moreCommon small business insurance claims and how to prevent them
... and your bottom line. Whilst you've got the insurance to help you out, you'd ultimately rather avoid ... broken freezer, investing in a backup generator. 5. Liability Claims Another common claim seen all too often is for ...
read moreSmall Business Continues to Win on Insurance Prices!
... they have remain flat over the quarter (Graph 1). A win for small businesses! Prices across all insurance classes were stable across the quarter, and this was reflected across most industries as well. The retail industry ...
read moreHow small business owners can assess cyber risk
... an attack then you may need to consider Cyber Liability insurance,” says Fiona. “Consider checking out the BizCover platform, where you can compare Cyber Liability insurance quotes and get covered instantly.” The bottom ...
read more8 tips to grow and transform a small business into a big business
... by business insurance such as Professional Indemnity insurance * and Public Liability insurance . How ... ve created a uniquely simple and fast way to compare business insurance quotes online, saving you time and money when ...
read more10 small businesses share what they love about their small business
... marketing@bizcover.com.au with what you love about your small business, and if you're looking to fall in love with a business insurance provider that will return your calls, check out the latest quotes at bizcover.com.au
read moreHow to hire quality tradesmen for your small business with Oneflare
... insurance to look out for. Public Liability Insurance This is the most common and essential form of insurance ... you will be able to negotiate the best price possible and compare it with the others you've received. Then it's ...
read moreHow to protect your small business reputation
... defence costs, claims investigation costs, some civil fines and penalties, Management Liability insurance can also offer a Public Relations component which will assist with protecting your business' reputation by: Paying ...
read moreA Small Business Guide To: Cyber Security Essentials
... run by Kochie’s Business Builders and supported by BizCover. BizCover is Australia's number one online business insurance service trusted by more than 200,000 small business customers. Switch and save at bizcover.com.au ...
read moreReviews related to Compare Public Liability Insurance Australia
-
product knowledge and advice are excellent
Frank F
Other -
Easy to read understand and follow
Tui d
Other -
Easy As!! Thank you
Casey W
Entertainment -
EASY CONVENIENT!
HONGWEI Z
Travel -
Excellent Customer Service
Trevor C
Other
Public Liability insurance
Public Liability insurance is one of the most common types of business insurances that a variety of different small businesses choose to take out. It is there to provide protection if someone makes a claim against the insured, the business or its employees. Claims from a third-party can be for personal injury or damage caused to their property caused by your business activities.
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.
What kind of businesses need Public Liability insurance?
In a nutshell, if your business is interacting with any third parties like customers, suppliers and members of the public on a regular basis, then you may need to consider Public Liability insurance. The chance of Public Liability insurance claim can be hard to predict, but if it were to occur, the costs to your business could be extremely costly and potentially enough to send you out of business.
An example of some of the typical types of businesses that may take a Public Liability insurance policy include:
- Trades
- Professionals
- Wholesalers
- Manufacturers
- Travel and tourism
- Office based
What is typically included?**
Compensation for:
- Compensation costs for the personal injury suffered by a third party (e.g. a customer, supplier or member of the public)
- Compensation for damage to property owned by a third party due to your negligent business activities
- The legal and defence costs associated with a covered claim
- Compensation for damage of third-party goods not owned by you which are in your care, custody or control
What is typically not covered?*
- Injuries to your employees
- Damage to your own property
- Costs of rectifying faulty workmanship or product recall
- Professional negligence
- Contractual liability
- Events occurring before or after the policy period
- Aircraft products
- Asbestos
- Liquidated damages
- Gradual pollution
- Punitive damages- where the insured acted so badly that extra damages were awarded
- Liabilities assumed under contract which the insured would not be liable for at common law
Get the right cover
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:
- Do any of your contracts require a minimum level of public liability cover?
- Has your industry body set a minimum level of public liability cover for membership?
- Does your business or trade licence require a minimum amount of public liability cover?
- What kind of accidents could occur due to your business operations and what could be the potential cost of a claim?
Why choose BizCover for your Public Liability insurance?
Built for small business
We know insurance and what makes small businesses tick
Clear and competitive pricing
You can compare and choose from a range of highly competitive prices right there on your screen. Seriously.
Cover to match your needs
You can tailor policies from selected Australian insurers to suit the needs of your business, and we are there to help!
Real people adding real value
Our friendly service team is on hand and on a mission to make you smile!
Frequently Asked Questions on Public Liability Insurance
Small business owners on average in the 2018/19 Financial Year paid around $63.53 per month^ for Public Liability insurance through BizCover. Public Liability Insurance is one of the most common types of insurance for businesses.
When it comes to the pricing of Public Liability insurance, there isn’t a one price fits all. There are a variety of industries and occupations, each with different risk factors that can impact the pricing greatly. Some of these key factors include:
- The type and nature of your business
- Your business turnover and size
- The amount of insurance cover your business needs
Additional factors that determine the cost of your Public Liability insurance policy include:
- The location of your business
- What is included and excluded in your policy
- The insurance provider you choose
The most accurate way to find out the cost for your business is to simply get an instant online quote.
*We know, sometimes you just want a quick idea of how much your insurance is actually going to cost. However, it’s important to note that the data included within this article was sourced from BizCover’s Australia wide customer data for all “pay by the month” public liability policies purchased through BizCover during 2018/19 Financial Year and is intended as a guide only. It may not reflect pricing for your particular business as individual underwriting criteria will apply. Get a hassle-free quote for your business here. |
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.
While it is not a legal requirement in Australia for most businesses, there are some situations where it may be mandatory for you to have you an active Public Liability policy before you can operate. For example, it may be a contractual requirement to have before you are allowed “on site”.
No matter how much care you may take, if your business interacts with clients, suppliers or members of the public, there is always the potential for a claim to occur.
You may need to consider Public Liability cover if any of the following apply to your business:
- You have customers, suppliers or members of the public who visit your business premises, e.g. diners who visit your cafe, or clients who visit your office, whether in a commercial building or home-based office
- You manufacture and/or sell any kind of products, e.g. food, beauty products, furniture, clothing or household items
- Working at your client’s site, e.g. a tradesperson carrying out repairs or work in other people’s homes
- If your business hosts or participates in public events, like a stand at a tradeshow attended by members of the general public
One of the first things to consider when calculating which level of Public Liability insurance your business may need is to think about the risks your business faces and any industry or contractual requirements involved.
While it would be nice to be told the exact amount of cover you should have, the decision is ultimately up to you.
If you work with contracts, these commonly stipulate the minimum amount of Public Liability cover your business must hold to comply with the contract. Professional bodies and industry associations may also require members to maintain a minimum amount of Public Liability insurance to become a member or to meet licensing requirements.
Take the time to consider the amount of work that you perform and the appropriate amount of financial protection you would need in the event a Public Liability claim is made against you.
With BizCover there are three levels of cover (limits of liability) available to select: $5 million, $10 million or $20 million.
The appeal of having the freedom to be your own boss is why so many Australians operate as a sole trader, but it is not one that comes without its own risks. Unlike working for a company, the reality is when things go wrong and a claim is made, you could be held responsible and it’s your back pocket that could be left financially destroyed.
An unplanned event could not only put your personal finances in havoc, but you could end up shutting up shop for good. Fortunately, with the right insurance in place, not only will you have a solid financial safeguard in place, but protection for your hard-earned reputation too.
Public Liability insurance is a popular type of insurance amongst sole traders. As a small business owner you have a legal responsibility to take the right steps to create a safe environment for third-parties when they interact with your business.
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 become injured or sustain property damage as a result of your negligent business activities.
The short answer? No. Each type of insurance provides specific cover for very different kinds of business risks.
Business insurance* is an insurance package designed to provide cover for your business contents, stock, tools and commercial premises when an insured event occurs (such as fire, storm, theft or even accidental damage). A Business insurance package can also cover your portable equipment, glass and for loss of revenue due to business interruption in specified circumstances. It also offers the option of selecting public liability cover but that is not automatically included.
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 .
If your business manufacturers or sells products you may also need to consider Product Liability insurance. Product Liability insurance* protects your businesses against claims by third parties relating to property damage or personal injury caused by your products. It typically forms part of a Public Liability policy.
Public Liability insurance can be purchased as a stand alone product or as part of a Business insurance package.
One of the first steps you need to take in lodging a claim (or to report a circumstance which may lead to a claim) is to complete a claim form – please click here to download.
To assist with the processing of your claim and to avoid delays, please attach all the supporting documents you have, which may include original invoices, receipts, manuals, pictures, reports and replacement quotes.
Once you have completed the form, email it to: claims@bizcover.com.au and we’ll manage the process directly with the insurer.
Public Liability and Professional Indemnity insurance both offer different types of cover, for different kinds of risks your business may be exposed to.
Public Liability insurance is designed to provide coverage for legal fees and compensation costs if a customer, member of the public, or a supplier claims against you for injury or damage to their property as a result of your alleged negligent business activity*.
This differs from the type of coverage Professional Indemnity insurance* provides. Professional Indemnity insurance focuses on protecting you against losses claimed by a third party due to alleged or actual negligence or errors in your professional services or advice. Professional Indemnity insurance will meet the associated compensation payable to a third party together with your defence costs (which can include legal costs, investigator costs and expert fees).
If your business requires having clients visit your premises, or you going to visit them, providing your advice and services, then Public Liability and Professional Indemnity insurance may be two important forms of coverage your business needs to consider.