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Legal Requirement for Public Liability Insurance

Public liability insurance covers your business for losses ... business' activities. Failure in obtaining public liability insurance policy can expose ... occupational health and safety to Australian Consumer Law, businesses are ... advisable to have public liability insurance. Legal Requirement for Public Liability Insurance Although public liability insurance is not a ...

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Public Liability Insurance

... public Legal and defence costs Public Liability Insurance protects you and your business ... location. Put simply, with a Public Liability insurance policy you won't have to ...

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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 ... online. What Janine needed was public liability insurance or insurance that protects you and ... right cover. In partnership with Australia's leading insurance companies, it has made ...

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What is Public Liability Insurance

... business, make sure they have public liability insurance too so all's well that ... product Do I really need Public Liability Insurance? The short answer. Yes. The ...

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Product Liability Insurance

... mandatory standards set under the Australian Consumer Law (ACL). If the ... Product Liability Insurance? Product Liability insurance usually forms part of a Public Liability policy. ...

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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 .. ... straightforward, jump online, compare quotes and buy the insurance that suits your ... put this in perspective, a public liability policy for an SME working ...

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How the cost of Professional Indemnity insurance is calculated

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

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The Risky Business of Insurance

... are the Real Costs to Australian Small Business? Small business owners ... ... or underinsured and the Insurance Council of Australia estimates that 70% of ... 'nice to have' insurance. Examples of “must have” insurance: Public Liability– protects against legal ...

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7 Types of Insurance Your Small Business Should Consider

... is Small Business Insurance. But what kind of insurance do you actually ... ... , and your liabilities. Public Liability Insurance Every business should consider Public Liability Insurance - even home-based ... random tax audits by The Australian Taxation Office (ATO), it may ...

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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 ... ... upping the level of your Public Liability insurance. Similarly, take into account any ... your business, click here to compare your insurance. Compare Free Quotes Now

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Do I need insurance for my market stall?

... clothing, arts, crafts, and bric-a-brac, Australia has become spoiled for choice ... ... iconic Australian brand, you'll need to ensure you have the correct insurance ... types of cover - Public Liability and Product Liability. Public Liability Public Liability covers you for ...

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Keep calm and stretch on with Yoga Teacher insurance

... of arranging your yoga teacher insurance go. As a yogi or ... business. Let us centre your insurance chakra by exploring some of ... ... claims and circumstances Property damage Public Liability insurance When you work closely with ... know? Yoga Australia recommends the following minimum levels of insurance cover for ...

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The Easter Bunny's Guide to Business Insurance

... consumed around the world. In Australia alone close to $200 million ... ... , it could also represent a public liability risk, for which the Easter ... stop working? Within a Business Insurance pack the Easter Bunny would ...

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Dishing up the facts on food business insurance

... you have the right business insurance. When it comes to insuring ... ... even be compulsory, for example, Public Liability insurance is often required when you ... business insurance plan. What types of insurance should food businesses consider? Public Liability Insurance Dishing ...

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5 Surprising Things Business Insurance Can Cover

When looking for Business Insurance, most small business owners typically ... ... to ensure you have your Public Liability cover in case a customer ... an unforseen event. Business Interruption insurance is designed to compensate you ...

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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 ... not universal. Graph 1 – BizCover Insurance Price Index (Financial Year 2017 ... sector, but the index for Public Liability and Business Packs increased 4 ...

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

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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 ... business . Is insurance mandatory for your business? In Australia for some business ... If you rent your premises, public liability may be a requirement from ...

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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 ... claims and circumstances Property damage Public Liability Insurance Working closely with your clients ... thing about Public Liability insurance is that it covers you anywhere in Australia, so ...

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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 ... Why do I need architect's insurance? Within Australia, the architecture industry is ... arising from your previous work. Public Liability Insurance If you're dealing with clients ...

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5 insurances every convenience store owner needs to know about

You're a retail lifesaver, helping customers at all hours with all sorts of essentials, from early morning coffees to midnight snacks. As a convenience store, you've ... costly without the right protection. Public Liability insurance can provide you with peace ... a quick quote handpicked from Australia's leading insurers is only a ...

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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 ... these types of risk consider public liability insurance which will provide financial protection ... services. Find Out More About Public Liability Insurance As a personal trainer you'll ...

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

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

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New Year Insurance Health Check!

2016 is here! New Year is traditionally a time for people to make resolutions and plan for their year ahead. It's also a great time for business owners to take stock ... consider increasing the level of public liability insurance that you hold. Are there ... standard. For example most Business Insurance policies do not include cover ...

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The bricks and mortar of building insurance cover- what you need to know

Your business property is like your home away from home and is the place where you work your magic. Whether you're in the business of providing expert advice to clients ... typically attract a larger premium compared to a small shop. Security ... be easily avoided. The Insurance Council of Australia defines underinsurance as: “When ...

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6 Areas You May Not Have Thought Business Insurance Covers

Your business is your livelihood. So it's vital to protect your business assets and revenue against potential risks that may impact your business, such as fire, storms ... BizCover offers a range of insurance solutions to protect your business. ... essential covers such as Public Liability and Professional Indemnity insurance to ensure you ...

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Comparing Portable Equipment & Electronic Equipment Cover

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

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Small Business Continues to Win on Insurance Prices!

... ; however the BizCover Small Business Insurance Price Index for the first ... ... small businesses! Prices across all insurance classes were stable across the ... and capacity currently in the Australian market. Michael Gottlieb, Managing Director ...

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

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Personal Accident and Illness Insurance for Tradies

Does the thought of being off work for three months due to a major mishap with a nail gun horrify you? As far-fetched some accident stories may sound, the reality is ... finances too. According to the Australian Bureau of Statistics, during the ... contractor, Personal Accident and Illness insurance is an important type of ...

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Comparethemarket.com.au and BizCover Announce White Label Partnership

Two of Australia's leading FinTech providers, BizCover and ... business customers an opportunity to compare through the BizCover White Label. ... insurance, having helped over 90,000 Australian small businesses compare and buy their insurance ... their insurance and this partnership makes this increasingly possible for Australian SMEs. ...

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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 ... you have an active Public Liability insurance in place. Public Liability insurance is designed to protect ... range of competitive quotes from Australia's leading insurers.

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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 ... ways business insurance can help keep your business alive: Public Liability is an ... touch with the BizCover team, Australia's Small Business insurance specialists.

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BizCover partners with Energy Retailer CovaU

... business insurance provider BizCover has announced a partnership with Australian ... version of its online insurance platform for CovaU to ... solution is the only insurance platform in the Australian market that allows ... get a range of business insurance quotes, compare and buy online, in ...

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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 ... down the price ... down the price of professional/business insurance for Australian SMEs. Since the start ... , Combined Professional Indemnity & Public Liability and Public Liability /Business Packs. Michael Gottlieb, BizCover ...

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Gold Coast Mobile Juice Business Gets a Boost

... Buddy Program started by Bizcover, Australia's biggest online small business insurance provider . […] ... About BizCover BizCover is Australia's leading online insurance service and is changing ... Professional Indemnity, Public Liability, Business Insurance, Management Liability and now Cyber Insurance. BizCover provides ...

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Who is Covered Under an IT Liability Policy?

Information Technology Insurance Professionals in the information technology ... ... policies combine Professional Indemnity (PI), Public Liability and Products Liability to cover ... consultants and clients requiring these insurances in addition to professional indemnity. ...

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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 ... ... type of your insurance. Read the below carefully: Public Liability – This protects against ... work again. Cyber Liability Insurance – Cyber Liability Insurance protects against the expenses ...

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SMEs continue to benefit from low premiums; despite talk of price rises.

... seems to be hardening for insurance for larger businesses, the latest ... BizCover Small Business Insurance Price Index is showing no ... ... , the latest BizCover Small Business Insurance Price Index is showing no ... prices down. Professional Indemnity and Public Liability, including multiple section business packs ...

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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 ... providing negligent advice in both Australia and overseas, he failed to ...

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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 ... can. Negotiate with lending institutions. Compare packages. Take the time to ... themselves, but the primary insurances - public liability and professional indemnity - are ...

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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 ... and legal expenses. Ensure your Public Liability insurance policy has adequate cover to ... against fire and other perils. Australia is well known for extreme ...

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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 ... different types of insurance to look out for. Public Liability Insurance This is the ... improvement content specialist from Oneflare. Australia's fastest growing online marketplace connecting ...

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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 ... or café business is with Public Liability insurance. It is designed to protect ... BizCover today to compare competitive quotes from some of Australia's most trusted ...

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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 ... About BizCover BizCover is Australia's leading online insurance service and is changing ... Professional Indemnity, Public Liability, Business Insurance, Management Liability and now Cyber Insurance. BizCover provides ...

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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 ... About BizCover BizCover is Australia's leading online insurance service and is changing ... Professional Indemnity, Public Liability, Business Insurance, Management Liability and now Cyber Insurance. BizCover provides ...

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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 ... having the right business insurance. Protect your livelihood Public Liability insurance is undoubtedly one ... , yet a survey by the Australian Physiotherapy Association reports that two-thirds ...

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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 ... walking in these areas. Having Public Liability insurance is one of the vital ... our friendly BizCover team of insurance experts waiting to talk all ...

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

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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 ... high-level clients, that makes their insurance a must. “As a business ... for new clients, so having insurance is an essential requirement. “ “BizCover ...

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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 ...

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Is your Small Business Summer Proof?

Summer in Australia is a great time of ... ... when you get your Business Insurance you also cover for Business ... days. Fiery Situations Another common Australian peril of the hot summer ...

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A Close Shave with Underinsurance

... to make sure that your Insurance grows with your business and ... number of small businesses in Australia are underinsured and many don't ... ... number of small businesses in Australia are underinsured and many don't ... closed. Luckily, the Business Interruption insurance that Samantha had added to ...

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Pet Stays, becomes the 32nd BizGiver winner

... the 32nd Winner of BizCover Insurance's BizGiver $2000 Small Business Grant ... ... clients and pet sitters around Australia,” enthuses Jeannene. “Our success is ... more traditional methods of buying insurance, said Michael Gottlieb, Founder and ...

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PI Index: Premiums Decline 10 Straight Quarters

Business Insurance Premiums Decline 10 Straight Quarters ... we seen the bottom? Australian SME's continue to benefit lower ... healthy competition in ... have we seen the bottom? Australian SME's continue to benefit lower ... , the cost of Professional indemnity insurance for some Allied Health professionals ...

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Customer Spotlight: Cheaper Buy The Dozen

... major online wine companies in Australia. "We now […] ... as award-winning wines from across Australia, delivering online orders directly to ... of a comprehensive and robust insurance plan for his business. “I ...

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BizCover wins dual accolades over two big nights

... experience in the Small Business Insurance space. On Tuesday night, BizCover ... the Australian Multicultural Marketing Awards. The award recognised ... experience in the Small Business Insurance space. On Tuesday night, BizCover ... the Australian Multicultural Marketing Awards. The award recognised the “Small Business Insurance ...

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Business Horror Stories

... you think. 1 in 5 Australian businesses are the victims of ... ... you think. 1 in 5 Australian businesses are the victims of ... Find out more about Cyber Insurance here. THE DEREGISTERED DISMAY Threats ...

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When it Rains it Pours: Understanding Flood Cover.

When it comes to Business Insurance, understanding what's included and excluded ... When it comes to Business Insurance, understanding what's included and excluded ... Product Disclosure Statement(PDS).: Flood: Australian regulations have a standard definition ...

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Tips for making a Stress-Free Claim

Making an insurance claim can be stressful - but ... ... sitting down to read your insurance policy's Product Disclosure Statement (aka ... out more about Business Interruption insurance here. When Disaster Strikes Call ...

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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 ... of $1 million Professional Indemnity Insurance with a number of set ...

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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 ... do happen. Fortunately, Professional Indemnity insurance is designed to protect your ... number one business risk within Australia and number two globally. Attacks ...

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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 ... comparison site; they'll let you compare key product features and benefits ...

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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 ... more traditional methods of buying insurance,” said BizCover Founder and Managing ... gallery specialising in contemporary indigenous Australian art. Read here about present ...

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Mum's the Word: Wise Words of Advice From Business Savvy Mums

This Mother's Day we share some of the pearls of wisdom small business owners have been given by their mums for life and business. Linda Reed-Enever, Co-Founder of Business ... in their desire to support Australian manufacturing,, their attention to detail ... you have the right business insurances to protect it. We can ...

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Progressive Distillery in Hobart Tasmania, defeats hundreds of others Small Businesses Nationwide to become the latest winner of BizCover's $2000 grant, BizGiver.

Deviant Distillery, a high tech distillery in Hobart Tasmania, is doing something no one has even though of before. They've developed their own propriety technology that ... BizGiver, run by Australia's first online Small Business Insurance Comparison Site, is ... entries from businesses owners across Australia. The past winners of this ...

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We Bar None wins the 36th BizGiver Grant

The latest winner of the BizGiver grant is Ellen Burns, owner of We Bar None. Based in Ballarat, We Bar None promotes better living with its wide array of health-conscious ... North America and back in Australia we had nothing. I didn't ... with more distributors all over Australia and potentially overseas. “My goals ...

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10 small businesses share what they love about their small business

To celebrate Valentine's Day we went straight to the heart of owners from a variety of industries and asked them what they love most about their small business. From ... my business grow organically across Australia.” She describes running her own ... in love with a business insurance provider that will return your ...

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Customer Spotlight: Yummy Dogs

There are good dogs and bad dogs. Eight years in, and Yummy Dogs founder Olaf is slowly but surely weeding out the rogues with a fresh dedication to quality hot dogs ... has worked for many of Australia's big brands (including media, airlines ... quite a bad reputation in Australia. Sausages were the bland, red-skinned ...

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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 ...

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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 ...

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Scooter & Jinx wins BizGiver Grant

SCOOTER AND JINX, A MELBOURNE COFFEE SHOP, SCOOTS AHEAD OF THE COMPETITION AND WINS THE BIZGIVER $2000 SMALL BUSINESS GRANT. Tucked away in Little Collins Street in Melbourne ... of the tastiest toasties in Australia. “I would fly from Perth ...

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Sto Lat Restaurant & Café wins the BizGiver grant

Conveniently located in Ashfield, the heart of the Inner West, is the latest recipient of the BizGiver grant, the Sto Lat Restaurant and Caf! The restaurant specialises ... codeshare arrangements from Warsaw to Australia and New Zealand. Eleonora cites ...

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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 ... worry about the cost of insurance.” “In the short term, organisations ...

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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 ... terms; Delivery; Obligations under the Australian Consumer Law (ACL); Dispute resolution ... is designed to comply with Australian Privacy Law and states how ...

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Get the cover that's right for your business

With BizCover you can choose policies from 3 levels of cover, $5 million, $10 million and $20 million.

Policies are usually tailored to individual businesses. Each business will require a different amount of cover and when deciding on how much cover you should have you should think about the following factors:

  • Do any of your contracts require a minimum level of cover?
  • Has your industry body set a minimum level of cover for membership?
  • Does your business or trade license require a minimum amount of cover?
  • Do the terms of your lease require a minimum level of cover?
  • Finally think about what your level of risk and exposure could be. What kind of accidents could occur and what could be the potential cost of a claim?