Who is Covered Under an IT Liability Policy?

Information Technology Insurance Professionals in the information technology sector face potential liabilities from clients ... Information Technology Insurance Professionals in the information technology sector face potential liabilities from clients ... Upon request, Contractors, Sub-contractors as individuals as well as liability arising out ...

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Insurance for architects- the blueprint to success

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Small Business Insurance: Why you might want to ensure you're covered!

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Legal Requirement for Public Liability Insurance

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How the cost of Professional Indemnity insurance is calculated

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Public Liability Insurance in Perth

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Public Liability Insurance in Brisbane

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Public Liability Insurance in Adelaide

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Public Liability Insurance in Hobart

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Public Liability Insurance in Darwin

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Public Liability Insurance in Port Macquarie

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Public Liability Insurance in Mandurah

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Public Liability Insurance in Rockhampton

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What is Product Liability Insurance?

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What is Public Liability Insurance?

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Public Liability Insurance

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Cyber Liability Insurance: the safety net small businesses need

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Professional Indemnity for Real Estate Agents

... the Real Estate Industry Professional Indemnity Insurance provides essential financial protection ... , errors and omissions from professional In the Real Estate Industry Professional Indemnity Insurance provides essential financial protection against ... in the advertising material and liability on the real estate agent ...

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BizCover SME Insurance Price Index Q1 FY20

... and professionals have seen material price reductions on their Public Liability insurance, while ... ... and professionals have seen material price reductions on their Public Liability insurance, while ... 13% decrease (Professionals) in the price of their Public Liability insurance for the ...

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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 ... ... out of business! Public Liability Insurance explained. Professional Indemnity Insurance If your business or ... Professional Indemnity (PI) Insurance is a must have. It protects professionals against liability for ...

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Keep calm and stretch on with Yoga Teacher insurance

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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 ... ... the level of your Public Liability insurance. Similarly, take into account any ... may want to increase your Professional Indemnity insurance. Also, consider any new ...

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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 ... Public Liability insurance. SME Professionals have been seeing increases in their Public Liability insurance over ... the increases were minimal. SME Professional Indemnity insurance prices have also remained ...

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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 exceptionally prime target. Cyber Liability insurance is a 'must have' policy ... department, body or agency, including professional fees for bookkeepers, accountants, lawyers ...

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Insurance for Furniture Manufacturers

... wrong. This is where business insurance comes into play and should ... The process of arranging your insurance can feel overwhelming at times .. ... and claim against you.    Product Liability insurance protects your businesses against claims ... by an insured event. Management Liability* Management Liability insurance is designed to provide ...

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Dishing up the facts on food business insurance

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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 ... some of the foundations of Professional Liability insurance: What it typically covers: Damages ... combined as a liability package with your Professional Liability insurance. Portable Equipment Insurance As 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 ... types of risk consider public liability insurance which will provide financial protection ... in your professional capacity. Find Out More About Professional Indemnity Insurance Luckily many ...

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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. ... covers such as Public Liability and Professional Indemnity insurance to ensure you are ...

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Public Liability

... right coverPublic Liability Insurance cost Here's the lowdown on Public Liability insurance* As a ... your negligent business activities. Public Liability Insurance also provides assistance with the ...

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

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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 Your Professional Indemnity (PI) insurance is no doubt one of ... , as you might inadvertently admit liability which can result in your ...

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Things you didn't know about small business insurance

Getting the insurance sorted for your small business ... , compare quotes and buy the insurance that suits your business. But ... not know about small ... that your personal insurance may not cover your business liabilities or property. ... example if you are providing professional services for a large corporation ...

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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 ... in the non professional sector, primarily around Public Liability and Business Packs ...

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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 ... in the Professional Indemnity sector, but the index for Public Liability and ...

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Small Business Continues to Win on Insurance Prices!

... ; however the BizCover Small Business Insurance Price Index for the first ... ... ; however the BizCover Small Business Insurance Price Index for the first ... small businesses! Prices across all insurance classes were stable across the ...

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Personal Accident and Illness Insurance for Tradies

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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 ... common claims arising from the professional beauty industry; however, it is ...

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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 ... 'nice to have' insurance. Examples of “must have” insurance: Public Liability– protects against ... Every business should have PL Professional Indemnity - protects against losses ...

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Do I need insurance for my market stall?

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

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The Easter Bunny's Guide to Business Insurance

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

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

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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 ... 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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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 ... best value on your business insurance. Cover yourself up! Check your ... making a claim having enough insurance could mean the difference between ...

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Managing Risk for Tradesmen

... business or working as a contractor often means you're exposed to ... ... business or working as a contractor often means you're exposed to ... the right business insurance. Protect your livelihood Public Liability insurance is undoubtedly one ...

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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 ... ... also includes Product liability cover. Professional Indemnity - Professional Indemnity covers professionals who provide ... can work again. Cyber Liability Insurance – Cyber Liability Insurance protects against the expenses ...

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PI Index: Premiums Decline 10 Straight Quarters

Business Insurance Premiums Decline 10 Straight Quarters, ... healthy competition in the business insurance market. The BizCover Small Business ... ... healthy competition in the business insurance market. The BizCover Small Business ... other product groups, Combined Professional Indemnity/Public Liability and Public Liability/Business Packs are ...

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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 ... mistakes do happen. Fortunately, Professional Indemnity insurance is designed to protect your ... Regulatory Event or Investigation, Cyber Liability Insurance Can you imagine trying 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 ... , but the primary insurances - public liability and professional indemnity - are crucial. ... even a year. Consider Cyber Liability insurance, especially if your business relies ...

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Business Horror Stories

Running a business can be a wonderful rewarding experience, but sometimes things can go horribly wrong. THE ONLINE ONSLAUGHT We never believe it can happen to us, that ... a graphic design, IT professionals, accountants, health professionals and marketers. The risk ... down for good. A management liability insurance policy can be the only ...

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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 ... look out for. Public Liability Insurance This is the most common ... damage they have caused. Professional Indemnity Insurance Professional Indemnity insurance is not commonly required ...

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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 ... a requirement to hold Public Liability insurance before you can perform in ... may need to consider Professional Indemnity insurance due to the risk of ...

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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 ... 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 ...

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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 ... legal expenses. Ensure your Public Liability insurance policy has adequate cover to ... and data. Therefore, a Cyber Liability insurance policy can act as your ...

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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 ... 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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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 ... an insurable event, Business Interruption insurance can help by providing cover ...

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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 ... categories of Professional Indemnity, Combined Professional Indemnity & Public Liability and Public Liability /Business ... with capital chasing returns in insurance.” The Professional Indemnity rates reduced the ...

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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 ... is keeping prices down. Professional Indemnity and Public Liability, including multiple section ...

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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 ... your insurer. Portable Equipment This insurance provides repair or replacement for ... This is especially important for contractors, tradesman or retailers, who often ...

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5 Reasons to love Personal Accident Cover

Personal Accident and Illness Insurance (IPA Cover)offers financial protection ... ... Worker's Compensation such as consultants, contractors, sole traders or directors, and ... Health Checks Unlike some other insurance policies, a personal accident policy ...

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Digital Marketing Tips for Cabinet Makers

... business and customers. While several professional woodworkers depend on word of ... ... business and customers. While several professional woodworkers depend on word of ... making business should also consider insurance options.

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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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Comparethemarket.com.au and BizCover Announce White Label Partnership

... online provider of small business insurance, having helped over 90,000 ... businesses compare and buy their insurance online. Their White Label solution ... businesses compare and buy their insurance online. Their White Label solution ... compare and purchase their business insurance through the platform, but they ...

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BizCover wins dual accolades over two big nights

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

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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 ...

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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 ... , contents and/or stock a Business Insurance policy usually comes with some ...

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Pet Stays, becomes the 32nd BizGiver winner

... the 32nd Winner of BizCover Insurance's BizGiver $2000 Small Business Grant ... ... , who have embraced our online insurance services over more traditional methods ... of buying insurance, said Michael Gottlieb, Founder and ...

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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 ... years have embraced our online insurance services over more traditional ... Professional Indemnity, Public Liability, Business Insurance, Management Liability and now Cyber Insurance. BizCover provides multiple insurance ...

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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 ... seven years embraced our online insurance services over more traditional ... Professional Indemnity, Public Liability, Business Insurance, Management Liability and now Cyber Insurance. BizCover provides multiple insurance ...

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Toolbox of Tips for Tradies National Health Month

Tradies National Health Month is an important campaign held every August in Australia each year, aiming to raise awareness around the health and safety of tradies. According ... you're a sole trader or contractor and not covered by Workers ... Personal Accident and Illness (PA) insurance comes into play. Personal Accident ...

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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 ... do best, stress-free. Having business insurance gives you peace of mind. ...

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Business Basics for Cabinet Makers

With so much competition for cabinet makers out there, how do you stand out from the competition, while serving your current customers, and develop high-quality products ... business should also consider available insurance options. Establish Credibility Once you're ... business is clean, neat, and professional. Sometimes, the simple act of ...

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What is a Cabinet Maker?

Cabinet makers are woodworkers that specialize in designing and making built-in or customized cabinets. They also design and manufacture fine wood furniture that accompanies ... for health and safety concerns. Insurance for cabinet makers is also ... Cabinetmakers? Under most circumstances, a professional cabinetmaker will work a standard ...

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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 ... three months intensively on the professional art of foraging. “I learnt ... more traditional methods of buying insurance, said Michael Gottlieb, Founder and ...

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Preparing your small business for a Tax Audit

The word on the street is that the ATO are going to be doing random audits of 100's of small businesses. Even if your books are in pristine condition, audits are generally ... itself a lot simpler. 3.Seek professional help If you don't already ... as part of your business insurance or as a standalone policy. ...

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Marketing Basics for Cabinet Manufacturers

Seek Feedback and Testimonials from Customers In order to grow, every business needs feedback from customers. Whether it's a simple survey, or verbal feedback, a cabinet ... the position to retain a professional marketing agency or pay somebody ... anyone to implement. Cabinet making insurance options should also be considered. ...

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

It's not easy to get your business noticed, either online or by other means. No matter what you do, there are plenty of other businesses all vying for attention in the ... success. Create Partnerships with Industry Professionals As the industry is full ... your cabinet company. There are insurance options available for cabinet makers ...

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10 Tools Every Small Business Should Gift Themselves This Christmas

When you are running a small business you have to be many things at once, an accountant, a marketer, a technician as well as an administrator. Luckily, in today's digital ... you to create and send professional invoices, estimates and receipts in ... Australia's No. 1 online business insurance, where you can compare multiple ...

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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 ... business. Thankfully, under a Business Insurance pack there is an option ...

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Is your Small Business Summer Proof?

Summer in Australia is a great time of year. There's a lot to enjoy, including plenty of public holidays, long days and great weather. But along with these great perks ... when you get your Business Insurance you also cover for Business ... Glass Cover, under a Business Insurance Pack will cover your for ...

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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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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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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 ...

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Here’s the lowdown on Public Liability insurance*

As a small business owner you already have lots to worry about. From paying your employees to getting stock delivered on time to generating new work opportunities – the list is endless! But have you taken the time to think about what an accident involving a third party could mean for your business?

As a small business owner, you have a legal responsibility to take reasonable steps for the safety of your customers, suppliers, community and their property. Public Liability Insurance is designed to provide protection for you and your business in the event a customer, supplier or a member of the public are injured or sustain property damage as a result of your negligent business activities.

Public Liability Insurance also provides assistance with the legal costs associated with managing claims that are covered by the policy.

 

Public Liability explained further…

Product Liability explained further…



Independent feedback from our customers rated our service at excellent.

What is typically included?**

Compensation for:

  • personal injury suffered by a third party (e.g. a customer, supplier or member of the public)
  • damage to property owned by a third party due to your negligent business activities
  • legal and defence costs associated with a covered claim
**Many public liability policies also provide cover for product liability.

 

What is typically not covered?* 

  • Injuries to your employees
  • Damage to your own property
  • Costs of rectifying faulty workmanship
  • Professional negligence
  • Contractual liability
  • Events occurring before or after the policy period

 

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

Download Public Liability Fact Sheet

Your Cover Options 

With BizCover you can choose from 3 limits of liability (levels of cover): $5million, $10 million or $20 million.

Policies are tailored to the unique needs of individual businesses. One business may require a different amount of cover compared to another.

When deciding on how much cover you should have a think about factors like: