... 't become a statistic. Stay cyber savvy by understanding the impact ... ... What are the risks of cybercrime? Just like the real world, the internet is full of risks. That's why ... easily a breach can happen. Cyber Liability insurance can provide financial protection by covering ...
read more... is too small to attract cyber criminals. Yet, when it comes ... to cyber theft, size doesn't matter ... . Businesses are increasingly vulnerable ... costs and as defence costs for the breach of privacy. This is why cyber insurance should be an important part of your risk management plan, as it provides protection against the expense and legal costs associated ...
read moreIt may have taken some time for the reality to hit, but the wider public is now starting to realise that hackers aren't just fictional brooding movie villains - they ... AS A FIREWALL While prevention is the simplest way to minimise the chance of a cyber-attack occurring, Cyber Liability insurance will help to reduce subsequent damage to your business by covering the expenses and ...
read moreIn Part 2 of our cyber risk series, we take a look ... from a cyberattack. We also explain what Cyber Liability insurance is and ... security ... profitability in the event of a cyber breach or attack. Costs associated with defending a cyber claim are also covered. Examples of the types of risks Cyber Liability insurance can assist with are inadvertent loss ...
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read moreThis week is Stay Smart Online Week; a government initiative that aims to reverse the threat of cybercrime. Small businesses are some of the biggest growing targets ... cyber.gov.au/sites/default/files/2019-03/msp_questionnaire.pdf o https://www.cyber.gov.au/publications/questions-to-ask-managed-service-providers · Understand and manage your supply chain risk ... cyber insurance ...
read more... piece of our Business Insurance for the self-employed ... Accident and Illness insurance and Cyber Liability insurance. We share the ... your profitability in the event of a cyber breach or attack. Costs associated with defending a cyber claim are also covered. Examples of the types of risks Cyber Liability insurance can assist with are inadvertent loss ...
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read more... is Small Business Insurance. But what kind of insurance do you actually ... ... sufficient protection, you could potentially risk losing not only your business, but your personal assets too. Management Liability Insurance explained. Cyber Liability Insurance If you have a website ...
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read more... the appropriate types of business insurance. [] ... your profitability in the event of a cyber breach or attack. Costs associated with defending a cyber claim are also covered. Examples of the types of risks Cyber Liability insurance can assist with are inadvertent loss ...
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read moreKnow you need business insurance but aren't sure how ... while and looking to buy insurance for the first time; there ... ... illness? 2. What types of insurance do I need? Now that you have a fair idea of what your risks are and what you need to ... due to an insured event Cyber Liability insurance protects businesses against the ...
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read more... to be facing is unwanted risks that could threaten your business ... ways you can improve the risk management of your business. 1 ... ... Every business will have their own unique risks and types of business insurance in place. If changes in your business ... can also outline what to do if a cyber-attack happens and an outline on what is acceptable/ ...
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read more... small business owners working remotely cyber-crime. Small business owners and staff ... vigilant of the types of risks that can damage their business ... need to be vigilant of the types of risks that c an damage their business, the measures to take to prevent becoming a victim and how Cyber Liability insurance can help protect your business from the ...
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read moreAfter months of being in COVID-19 lockdown, restrictions are beginning to ease and businesses are slowly starting to head back to normality. It will take time and patience ... , 000 in losses since the outbreak of the virus. Small businesses are not immune from cyber-crime and Cyber Liability insurance ca n be a wise choice when it comes to protecting your business online ...
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read more... increase in safety and security risks. Here are a few tips ... ... side it can also mean an increase in safety and security risks. Here are a few tips to protect your customers, your ... access systems and data. Therefore, a Cyber Liability insurance policy can act as your safety net ...
read more... personal information, there's some risk taken on their behalf. Unfortunately ... ... , but keep it simple. If you sense there's a risk to someone, there probably is and you need to act. ... for any potential costs. For example, Cyber Liability Insurance covers your business against the expenses associated ...
read moreIts Privacy Awareness Week, and in recognition of our support weve outline a few ways that individuals and their businesses can keep their important information safe ... of these things but if it is too overwhelming it's worth considering cyber insurance for your business . Most cyber insurance policies will not only cover your business financially but will help organise the retrieval ...
read moreLatest 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 ... 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 select and ...
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read moreIt's no secret that the tradie industry is competitive. There are plenty of tradie businesses out there and it's never been easier for customers to connect with the ... / Tool Cover* Tax Audit insurance* Cyber Liability insurance* Whether you are a landscaper or a builder , being a tradie means there are a variety of potential risks that could harm your ...
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read moreFrom 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 ... Operating a market stall at a busy market, event, festival or concert exposes you to a wide range of potential risks. Insurance for market stall holders is designed to protect you and your business against the financial ...
read morePublic liability insurance covers your business for losses ... liability insurance policy can expose a business to a range of risks ... ... as a result of your business' activities. Failure in obtaining public liability insurance policy can expose a business to a range of risks. As a business, you will inevitably have interactions with customers and third ...
read more... your customers with Public Liability insurance. It offers protection should a ... ... claim against you. As cliché as it sounds, accidents happen. If you don't have Public Liability insurance you face the risk of being out of pocket for hefty legal and compensation costs that can potentially cripple your ...
read more... of a Professional Indemnity (PI) insurance policy is calculated and why ... Professional Indemnity insurance. Insurance policy pricing is generally ... that that impact the cost of Professional Indemnity insurance. Insurance policy pricing is generally calculated on risk factors and put simply, the higher the level of risks, the higher the premium. Some of these keys ...
read more... , you are presented with many risks from the moment you pick ... considered as part of your risk management plan and can be ... the right kind of ... like an accident or a claim, should be considered as part of your risk management plan and can be done easily with the right kind of business insurances in place. Regardless if you are self-employed, a sole trader or a ...
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read more... should have a focus on risk management strategies and protection for ... are a variety of business insurance [] ... are a few examples of when a self-employed worker may require Public Liability insurance. H ome-based office – The risk of a client accidentally injuring themselves on your property is a reality and ...
read more... , there is a comes a risk [] ... seem unfair, but the fact remains that you are at risk.One way to ensure that this never happens to you, is by purchasing something called Professional Indemnity Insurance , this is a very safe option to assure you ...
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read more... . Like any profession there are risks that you are exposed to ... a professional, considering Professional Indemnity insurance to protect* you and ... out of business. Below we'll explore Professional Indemnity insurance and how it can apply to your work as a Civil engineer. Civil Engineering risks Within the engineering industry there is a large scope around ...
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read more... professions, it has its own risks. Some you probably wouldn't ... , that's when your business insurance comes into play. We've ... ... creative visions are subjective and there is always the risk of an unhappy client making a claim. This is why Professional Indemnity insurance is an important coverage to consider. Professional Indemnity (PI ...
read more... of sorting out your business insurance may feel like an overwhelming ... ... cover in relation to the advice and services you provide to your clients, Management Liability insurance covers the risks that occur when running your business. This is an example of some of the areas ...
read more... light on some of the risks and dangers involved with starting ... ... and time in your business, so it makes sense to protect it for the long haul. The risk of not having business insurance could spell disaster. If you were uninsured and a claim occurred, the impact on your finances ...
read more... yourself is with professional indemnity insurance. This type of policy provides ... ... . One of the best ways to protect yourself is with professional indemnity insurance . This type of policy provides cover for people who risk legal action as a result of carrying out their professional duties. It ...
read more... also creates a recipe of risks and opportunities for things to ... ... so much going on, it also creates a recipe of risks and opportunities for things to go wrong, something no ... or armed hold up. It is not unusual for theft insurance to need the item stolen to have been securely stored ...
read moreNavigating the world of business insurance can be confusing which is ... created a guide to business insurance for the self-employed that ... and outs ... you out of business. Without the protection of Professional Indemn it y insurance , personal assets like your home may be at risk to cover the claim-related costs. Time Something often overlooked is ...
read more... price increases in the business insurance market, SMEs are continuing to ... the cost of business insurance, the BizCover SME Insurance Price ... seen no increases in the overall prices for their insurance, there have been changes within product groups and industries ... platform, particularly for those SMEs in low risk industries.” “Even though they are not ...
read more... Professional Indemnity and Public Liability insurance. #1 Protection against claims of ... ... another venue and you accidentally injure someone or cause property damage, you face the risk of legal action. Public Liability insurance protects you against claims from customers or other third parties by covering any ...
read more... that the claims professional indemnity insurance covers are only the experiences ... ... from time to time depending on the size of a job contract or the level of risk involved. Businesses or consultants whose insurance coverage is not sufficient may need to draw funds from their own pockets and that is ...
read more... you have the right business insurance. When it comes to insuring ... ... should food businesses consider? Public Liability Insurance Dishing up food and beverages to the public everyday exposes your business to a whole variety of risks and the potential for a liability claim to ...
read more... are exposed to lots of risks, and if something does go ... ... do happen. Being a tradie, you are exposed to lots of risks, and if something does go wrong, it could cost you ... , the waiting periods and the type of Personal Accident Insurance policy you want to have in place. You can ...
read more... assets and revenue against potential risks that may impact your business ... ... protect your business assets and revenue against potential risks that may impact your business, such as ... include Business Interruption as part of your Business Insurance package. It's important to remember that your ...
read more... in the world of business insurance, it can feel like you ... guide on all things Business Insurance for the self-employed. In ... back to basics ... a business pack , it offers different types of insurances to suit your business and protect it from potential risks . A way to look at what business insurance options your business may need is by gauging ...
read more... .com), a leading-edge online insurance model that connects independent professionals ... critical Professional Liability (E&O) insurance solutions ... revenues under 2.5 million dollars) have not had many alternatives when it came to buying business insurance. BizInsure has entered this space to satisfy the needs of this important and growing market; small business ...
read more... most common types of business insurance, but do you really know ... . What is Public Liability insurance*? Public Liability Insurance is designed ... th e n this is an important form of cover to consider. What is Professional Indemnity insurance * ? Professional Indemnity protects you against losses claimed by a third – party due to alleged ...
read more... the BRW article. Self-proclaimed insurance industry disrupter BizCover is trying ... by letting newcomers to the insurance sector, such as Coles ... approximately $20 million in annualised revenue. It has the permission of four of the nation's major insurance houses to sell their products. BizCover targets the small to medium enterprise segment and claims to have ...
read more... advisable that you have professional insurance, which can also be referred ... to as professional indemnity insurance. Professionals are expected ... , which can be filed against them by their clients. It is advisable that you have general business insurance in order to protect you from financial losses caused by property damage or bodily injury. In addition to ...
read more... to make Professional Indemnity Insurance simple (also known as ... errors and omissions insurance, PI or Professional Indemnity ... is Professional ... know if they are getting the best deal. This is where BizCover steps in to satisfy your Professional Indemnity Insurance needs. BizCover allows you to get live online quotes in under 2 minutes , and purchase in only ...
read more... expanded their general insurance offering to include business insurance, through a partnership ... , Australia's leading small business insurance ... with one of BizCover's trained consultants. Mark Pangrazio, iSelect's Head of Commercial for Health & General Insurance, said the company was thrilled to be partnering with BizCover to assist it in focusing on the SME ...
read more... clients buck the trend of insurance price hikes. Whilst the Australian ... the availability and pricing of insurance for SMEs, BizCover can report ... there were some clear winners and some losers. The Full Report can be viewed here: SME Insurance Price Index Public Liability insurance is an essential cover for SME's and one that most can't afford to operate without ...
read more... the most common types of insurances for tradies, but do you ... and outs of Public Liability insurance and what you need to ... . So what is Public ... go plan. As a tradie, it can even be a contractual requirement that you have Public Liability insurance in place well before picking up the tools and putting boots on site. Always check the level of ...
read moreMore larger businesses with simple insurance needs are using BizCover for ... their insurance, while smaller businesses benefit from ... this quarter ... Retail & Hospitality. Whilst all three groups have experienced no increases in the overall price of their insurance, there have been changes within product groups and industries. The Full Report can be viewed here: SME ...
read more... reductions on their Public Liability insurance, while prices have remained steady ... ... its highest in five years and transport costs increasing steadily. The increase did not affect the cost of insurance for small businesses on the BizCover platform as prices dropped to the lowest point in 24 months. The ...
read moreGetting the insurance sorted for your small business ... , compare quotes and buy the insurance that suits your business. But ... not know about small ... to review and update your coverage every year. No doubt your business is on the move and changing and so your insurance needs will also be changing and you'll want to make sure you have a policy that covers your business ...
read moreBizCover's SME Insurance Price Index has unveiled a ... the COVID-19 pandemic with insurance rates remaining flat for a ... acquired from BizCover's ... year and fell a further seven per cent this quarter,” he said. “Key sections of business pack insurance that are frequently used by retailers such Contents, Glass and Theft all showed noticeable price declines. “The ...
read more... The BizCover Small Business Insurance Price Index is indicating ... market for small business insurance continues to benefit from ... stability in ... in the index over the last 9 quarters. The Retail Sector is one of the few industries where insurances prices have increased. A trend driven by continued competition, as well as capacity in the market. This ...
read moreInsurers hold on to SME Insurance Premium Price Increases! Despite a ... BizCover Small Business Insurance Price Index has shown insurance rates ... Director of BizCover commented “While there is still an abundance of capacity and fierce competition in the insurance market, insurers have managed to hold onto their rate increases from last quarter. I suspect given the ...
read more... 'What limit of Professional Indemnity insurance do I need?' While this ... ... a good idea to contact the association and check whether there is a minimum limit of Professional Indemnity Insurance you are required to maintain to comply with their compliance requirements. They may also be able to ...
read more... 'lock up' operations. Business interruption insurance can provide both peace of ... ... a vital element in your wider disaster recovery plan - a plan that should include both a broader insurance package and (crucially!) a clear guideline for how your business would react and recover after a disaster event ...
read moreInsurance Premiums for Retailers Continue to ... The latest BizCover Small Business Insurance Price Index has been released ... an increase in small ... and similar to quarter 2 of last financial year, the index is showing an increase in small business insurance rates, with the index rising 3 points over last quarter. This increase however is not universal. Graph ...
read moreThe Quarterly BizCover Small Business Insurance Index has shown that Australian ... enjoyed the end of declining insurance premiums with an increase ... of 5 points in the second quarter of FY2015/2016, the first increase seen in 10 quarters. This brings the insurance rates back to the same level as Q4 2013/14 (6 quarters ago). It should be noted that rates are ...
read more... Fernando for his certificates of insurance - it's just part ... ... cover option of public liability. Hish says his clients expect his business to be covered by professional indemnity insurance to ensure there is cover in place in the case of any potential legal action they may take ...
read moreProfessional indemnity insurance is handcrafted to provide coverage ... ... any potential policy holder needs to consider when deciding upon whether or not they should buy professional indemnity insurance is the potential financial loss that can occur as a result of legal fees whether or not ...
read more... , the latest BizCover Small Business Insurance Index is showing little change ... ... been talking about hardening rates over the last few months, the latest BizCover Small Business Insurance Index is showing little change, with prices again remaining steady at 80 points. Despite industry predictions ...
read more... ; however the BizCover Small Business Insurance Price Index for the first ... ... all indicate that the industry is long overdue for a price increase; however the BizCover Small Business Insurance Price Index for the first quarter of the financial year indicates that insurers have not been able to ...
read more... successful in taking out the Insurance Business Brokerage of the Year ... ... the broking world, and not just because his Mega Capital business was successful in taking out the Insurance Business Brokerage of the Year award and featured in the Deloitte Technology Fast 50 Australia ranking for the ...
read moreIn January, our Managing Director Michael Gottlieb was interviewed by Insurance Business magazine, giving his outlook on 2014. Insurance Business - The In January, our Managing Director Michael Gottlieb was interviewed by Insurance Business magazine, giving his outlook on 2014. Insurance Business - The Year Ahead
read moreYour 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 ... : Machinery As with most types of insurance policies, there are a number of factors that affect how your premium is calculated. Generally, the higher the level of risk that your business is exposed to ...
read moreAs 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 ... can operate from. Lastly but most importantly, identify the unique risks to your business and safeguard against them by making sure you have the right insurance policies in place. It's also a wise idea to conduct ...
read moreWorking 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 ... , it could also be a member of the general public). To cover these types of risk consider public liability insurance which will provide financial protection in the case someone suffers an injury (or even damages property ...
read moreThere 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 ... based business means you're out and about, exposed to unforeseeable risks that could result in an unsightly claim. That's why Portable Equipment insurance (also known as General Property) is an essential form of cover ...
read moreEach 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 ... due to fault of his product. The egg hunt is on…the risk is high? The Easter Egg hunt is an age old tradition, ... stored in stop working? Within a Business Insurance pack the Easter Bunny would have cover ...
read moreThe 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 ... you may be able to make a saving on your insurance. Also if you are no longer doing certain business activities ... premium accordingly another may see your business as low risk and offer a lower premium. The easiest way ...
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Hackers. These are not just dodgy movie characters but real life people, doing real damage to businesses across the globe, including Australia. If you’re thinking your small business down under is of no interest to these criminals, think again. Every business with an online presence is at risk of a cyber attack and with cyber crime claiming 6 million victims in 2018it might be time to bite the bullet and get the right cover for your business.i
Cyber Liability insurance* is designed to help protect you from claims and support your profitability in the event of a cyber breach or attack. Costs associated with defending a cyber claim are also covered. Examples of the types of risks Cyber Liability insurance can assist with are inadvertent loss or release of customer personal information, cyber crime, cyber extortion/ransomware and business interruption due to a cyber event.
In a nutshell, your customer data is sacred. If you don’t protect it properly, your business may be fed to the wolves.
If you’re still not convinced your business may be at risk, here are the cold hard facts about doing business in today’s technically advanced world:
Independent feedback from our customers rated our service at excellent.
With the policies available through BizCover you can choose coverage amounts between $50,000 to $2 million
Sit back for a minute and think about this….it might be the first time you have considered the impact on your business if your website was taken offline? Could your business survive the reputation damage, and the losses associated with a data breach?
You should consider what your business requires including by reference to:
Hackers are alive and well and get a thrill out of making business owners sweat. Cyber Liability Insurance can reduce your risks and help you rest easy knowing your business is covered from even the craftiest of criminals.
Here are is an example:
The cost of lost data
An insured accountant had an employee who accidentally misplaced a company laptop that contained a list of 1000 client tax records and credit card details. A policy payment totalling $250,000 was made to cover the costs involved with notifying the affected individuals and the Privacy Commisioner of the data breach. The cost of hiring a Public Relations firm to assist the insured with re-building their business reputation was also included.iii
With more and more cyber criminals targeting SMEs, how can small businesses protect themselves?
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