... responsible for paying these costs. ^QLD Electrical contractor insurance requirement sourced from ESO (2016, August 19th) worksafe.qld.gov.au/licensing-and-registrations/electrical-licences/electrical-contactor-licences
read more... Contractor Automotive Servicing – General Mechanical Repairs Electrician/Electrical Contractor ... to pay around $80 or less per month for Public Liability insurance, however, increase turnover to $250,000 or more and the ...
read more... 10m Insurance for Electrical Engineers Professional Indemnity* Your work as an electrical engineer can ... contact with clients, contractors and the general public. Public Liability insurance is typically an important ...
read more... , all small businesses should r hold Public Liability insurance to protect them against personal injury caused to a ... $50,000 cover in order to obtain an electrical contractor's licence. It may also be a requirement under ...
read more... piece of our Business Insurance for the self-employed ... Accident and Illness insurance and Cyber Liability insurance. We share ... is Personal ... at work. He required surgery and time off work to recover following his injury. His Personal Accident and Illness insurance provided a weekly benefit of $1,700 a week for a period of six months. The total policy benefit ...
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read more... protection for you while you help your clients. Whether you a sole trader, contractor or carer possibly as part of the National Disability Insurance Scheme (NDIS), you could be exposed to risks which may result in a ...
read morePublic liability insurance covers your business for losses ... . Failure in obtaining public liability insurance policy can expose a business ... ... interact with public space (construction, parks etc.), or welcome visitors and sub-contractors should check to see whether there is public liability insurance is in place first. In the trades industry, there may also be ...
read more... equipment, stock, plant and machinery, records and furniture belonging to you at the insured location. Building* - This insurance will cover for loss and damage to buildings you own, as a result of an insured event (such ...
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 call from the Australian Tax Office (ATO) requesting an audit is enough to make you panic. Tax Audit Insurance covers a business for specified costs if the ATO selects it for auditing. The policy covers the costs of ...
read more... and your assets with business insurance. However, figuring out exactly what ... 's why a group of insurance industry [] ... in the market, only those listed on our website. We act as agent of the insurer in respect of any insurance policy purchased through us and not as your agent. Any advice provided is general advice only and does not take ...
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... , as a civil engineer you will likely be having regular contact with clients, contractors and members of the public. Public Liability insurance is designed to provide protection* for you and your business in the event a ...
read more... answer is probably yes. Chances are you'll have regular contact with clients, contractors and the general public. Public Liability insurance is designed to provide protection for you and your business in the event a ...
read more... lifting when it comes to arranging your business insurance, providing competitive quotes online or over the phone in minutes. Did you know? If your business hires sub-contractors, take the time to check that they have ...
read moreRunning 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 ... large organisation they may stipulate that you have certain insurance to work for them. For example handymen are often ... and driver's license details of 500 on-hired contractors had been stolen. They were able to claim $ ...
read more... own salon, rent a space in a beauty or hair salon or provide a mobile makeup service, makeup artist insurance is the foundation to ensuring your small business doesn't go belly-up if something else does. Did you Know ...
read more... While you're in the business of providing expert advice to your clients, we're in the business of providing insurance options to keep you protected. Whether you're an expert at balancing the books or the creator of the ...
read more... based on NSW BizCover customers Most popular cover options taken out by food businesses Like retailers, Public Liability insurance is the most popular cover options taken out by 96% of food businesses, as this is one of ...
read more... Building*- If you are the owner of your café's building, consider insuring one of your biggest assets. Building insurance will cover for loss and damage to buildings you own as a result of an insured event (such as fire ...
read more... unexpectedly fall ill or suffer an injury, how would you keep the cash flowing? Personal Accident and Illness insurance provides a safe guard when disaster strikes at work and will also cover you when you've downed the ...
read more... associated with your business. These can include tools of trade and items of stock. Personal Accident and Illness insurance* Take the time to think about how your business would function if you were unable to work due ...
read more... associated with your business. These can include tools of trade and items of stock. Personal Accident and Illness insurance Take a moment to consider if you were to suffer an accidental injury or fall ill. What impact ...
read more... 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 loss of revenue due to business interruption in ...
read more... occurs outside of your employment). If you have purchased sickness/illness cover as part of your personal accident insurance you may be able to claim if you are diagnosed with COVID-19 and that diagnosis results in you ...
read more... stock, plant and machinery, records and furniture belonging to you at the insured location. Building* - this type of insurance will cover for loss and damage to buildings you own, as a result of an insured event (such as ...
read more... and vandalism. Money* - handling large amounts of cash daily makes Money cover a vital form of insurance to consider, particularly considering data from the Australian Institute of Criminology shows that one in ten armed ...
read more... of others that occurs while you are providing a service, either at your workplace or another location. Glass Insurance which covers the loss or damage to the glass within your premises, this could be internal or external ...
read more... Managers need it? Bringing projects to life is your expertise. But when it comes to organising your business insurance, this is one project you can outsource. We can provide multiple quotes from some of Australia's ...
read more... cases takes a great deal of responsibility and is not without risks. At BizCover we provide a range of insurance options for social workers who operate from an office, private practice or on the road. Take advantage of ...
read more... and Tax Audit. At BizCover, we are aware that those who operate in varying industries, often have specific insurance needs and so we aim to provide a policy to suit you and your business. All the policies we source ...
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 ... today. If you have downsized your team or you are earning less money you may be able to make a saving on your insurance. Also if you are no longer doing certain business activities - you may be able to take them off your ...
read more... got the answers! Check out our library of FAQ's designed to make insurance easy to understand. Get Free Quotes Ready to sort out your Business Insurance? Your small business is a big deal to us. Get the right cover ...
read more... . Whilst you've got the insurance to help you out, you ... ... and your bottom line. Whilst you've got the insurance to help you out, you'd ultimately rather avoid ... occurred after an electrician drilled through a wall destroying electrical heated cables. Another claim was for a client ...
read more... a wide variety of IT services. Also, more and more companies require independent contractors to hold Professional Indemnity insurance before being considered for a contract. Public Liability Chances are you spend most ...
read more... a wide variety of IT services. Also, more and more companies require independent contractors to hold Professional Indemnity insurance before being considered for a contract. Public Liability Chances are you spend most ...
read moreBuying any insurance, can be a confusing and ... to getting your Professional Indemnity Insurance, it can be even more ... ... t understand the technical terms, speak to an insurance professional who can help you understand the meaning. ... to you arising from the actions of the contractor or subcontractor. 7.Is Professional Indemnity Enough? Once ...
read moreLove the ease of acquiring insurance for the business... well done people--Dianne B--Automotive Electrical Component Manufacturing (Except Batteries)
read more... are a variety of business insurance [] ... . Market stall-holders– A minimum level of Public Liability insurance is often required when having a stall at a market ... trainer who provides training services as a sub-contractor at a gym. A client attending an exercise ...
read more... the right kind of business insurances in place. Regardless [] ... ... in place. Regardless if you are self-employed, a sole trader or a contractor, there are business insurance options to suit your business and its needs. Let's take a look at what is often one of the most important ...
read moreWhen looking for Business Insurance, most small business owners typically ... ... that can be taken out as part of your Business Insurance policy. In some cases may even be a requirement by ... temporary shuttering, re-doing sign writing, replacing electrical signs and replacement of damaged property. Don' ...
read more... that the claims professional indemnity insurance covers are only the experiences ... ... that if anything happens that causes them a loss, your insurance will pay for it. Such an example may be that you area private consultant and the contractor made an error in numbers causing your client a financial loss ...
read more... about what kinds of business insurance coverage you may need to ... ... 's important to think about what kinds of business insurance coverage you may need to help ensure it is ... working on a job or project. Issues with sub-contractors or lengthy delays with construction due to bad weather, ...
read moreKnow you need business insurance but aren't sure how ... while and looking to buy insurance for the first time; there ... ... on: do you employ any staff, or rely on contractors or suppliers? The resources you rely on: what utilities, ... work due to an accident or illness? 2. What types of insurance do I need? Now that you have a fair idea of ...
read more... a professional, considering Professional Indemnity insurance to protect* you and your ... ... a duty of care for the network of clients, contractors, other consultants and members of the public involved. One ... engineers, there's no one size fits all insurance solution because every business is different and no two ...
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... wrong. This is where business insurance comes into play and should ... . The process of arranging your insurance can feel overwhelming at times . ... up and running, so without your business assets, how are you going to earn an income? Having suitable business insurance in place can help safeguard your business for when things don't go to plan and for when you need ...
read more... yourself and your company with insurance is a smart investment. Land ... ... to a cyber attack or breach of information where the land surveyor may be held accountable. A Cyber Liability insurance policy is designed to help protect you from claims and support your profitability in the event of a ...
read more... is Small Business Insurance. But what kind of insurance do you actually ... ... of a salon owner who has a shop front. However, one thing's for certain, and that is, finding the right insurance is an essential part of managing the risks involved in operating your business. And let's face it - all ...
read moreMore larger businesses with simple insurance needs are using BizCover for ... their insurance, while smaller businesses benefit from ... this quarter ... decline that began 12 months ago. The increase can be attributed to more demand for Business Contents insurance particularly from businesses with an annual turnover greater than $400,000. Cover for contents in the Trades ...
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 more... you have the right business insurance. When it comes to insuring ... ... it can feel like there is an overwhelming choice of policies and policy options to choose from. Why do I need insurance for my food business? Whether you are serving up fancy dishes in a restaurant, coffees in a café or ...
read more... of arranging your yoga teacher insurance go. As a yogi or ... business. Let us centre your insurance chakra by exploring some of ... Breathe in, breathe out, and let a wave of calm wash over, letting the stress of arranging your yoga teacher insurance go. As a yogi or yogini, you don't have time to be worrying about having the right cover in place to ...
read more... to customers about managing their health and wellbeing. That's why it is important to ensure you have the right insurances in place to protect your business when things take an unexpected turn for the worst. Our ...
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 ... which is why we've made it our mission to make it a bit easier. We've created a guide to business insurance for the self-employed that profiles the main types of cover to consider and how it can protect you for the long ...
read more... price increases in the business insurance market, SMEs are continuing to ... the cost of business insurance, the BizCover SME Insurance Price ... Retail & Hospitality. Whilst all three groups saw have seen no increases in the overall prices for their insurance, there have been changes within product groups and industries. The Full Report can be viewed here. Trades ...
read more... expanded their general insurance offering to include business insurance, through a partnership ... , Australia's leading small business insurance ... to medium (SME) business owners a full end-to-end online service to compare most of their business insurance needs, with policies available from some of Australia's leading insurers. SME customers will have the option of ...
read moreIf your insurance is due for renewal or ... a health check of your insurance to ensure that if the ... ... wanting to do a general review of your business, it's worth taking time to do a health check of your insurance to ensure that if the unthinkable happens and your business is hit by a major event, you not only have the ...
read more... Professional Indemnity and Public Liability insurance. #1 Protection against claims of ... ... modality/modalities, with a minimum of $2 million coverage (each claim). You must show proof of your insurance by providing a copy of your policy or certificate of currency, including the modalities covered and insured ...
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 moreWhat’s included & what’s not?Get the right coverCould this happen to you? What is Management Liability Insurance?* Everyone loves a surprise, except when you are a company director. If you own or are involved in the ...
read more... of a Professional Indemnity (PI) insurance policy is calculated and why ... the cost of Professional Indemnity insurance. Insurance policy pricing ... than another? We look some of the key factors 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 ...
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 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 moreThe Quarterly BizCover Small Business Insurance Index has shown that Australian ... enjoyed the end of declining insurance premiums with an increase of ... 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... & Cafes Why do Restaurants & Cafes need it? Take a minute to sit back, relax and look at our menu of insurance options for your business. What's more, you don't need to shop around to find the best cover solutions. With ...
read more... by not having the right insurance in place? Read on to ... ... cover with the right limits in advance. Some industry bodies will require you to have your own Public Liability insurance policy before being able to join Cover your bits Your tools of trade are vital to getting the job ...
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... your customers with Public Liability insurance. It offers protection should a ... ... and the policy features. There are many options for small business owners when it comes to shopping and choosing insurance policies. Gone are the days of having to ring around and wait for days for the brokers to get ...
read moreThe BizCover Small Business Insurance Price Index is indicating ... market for small business insurance continues to benefit from ... stability in insurances prices have increased. A trend driven by continued competition, as well as capacity in the market. This has ...
read more... Fernando for his certificates of insurance - it's just part ... ... claiming a product caused them a personal injury or property damage, it is vulnerable to costly legal action. PI Insurance protects small businesses from this type of action. Unlike Hish, Lynn's clients don't ask to see ...
read more... , try to make a sale out of a day of grieving, or trying to jump on a politically charged bandwagon. The insurance will cover your costs of PR to rebuild your brand, costs of loss of sales and other costs in the case of ...
read more... Even if you are covered under your employer's insurance policy there is no guarantee that you will be ... one claim or a series of claims during the period of insurance add up to and exhaust the specified Limit of Indemnity, ...
read more... services of an external accountant or similar professional and their fees can be substantial. With the right Tax Audit insurance in place, you can at least minimise the cost of an audit to your business, even if you can ...
read more... riskiest for you. Pick and choose the cover options that suit you best. And you can include Public Liability Insurance to ensure you are not financially responsible for the costs of a legal claim should a third party get ...
read moreInsurance Premiums for Retailers Continue to ... The latest BizCover Small Business Insurance Price Index has been released ... an increase in small ... 1), 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 1 ...
read more... 'lock up' operations. Business interruption insurance can provide both peace of ... ... of business is affected, you'll need to ask yourself two very important questions. Do I have Business Interruption insurance? And, are both the property and the cause of the event included in the coverage? If the answer ...
read more... yourself is with professional indemnity insurance. This type of policy provides ... ... so you can find the right cover at the right price. BizCover is the best way to get immediate insurance protection, and because everything is online, there's no messy paperwork involved. To find out more, go to bizcover ...
read more... yourself is with professional indemnity insurance. This type of policy provides ... ... so you can find the right cover at the right price. BizCover is the best way to get immediate insurance protection, and because everything is online, there's no messy paperwork involved. To find out more, go to bizcover ...
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 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 more... , the latest BizCover Small Business Insurance Index is showing little change ... ... has 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 ...
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Don’t let a potential slip-up in your work or a client with a short fuse, short circuit your business. Protect it against liability claims and other unexpected events. With just a few clicks or a single phone call you can get multiple competitive quotes from leading insurers. Select your preferred policy and get covered instantly, so the only thing you need to worry about is adding a bit of spark to your client’s day.
Public Liability insurance is a mandatory licensing requirement in most states and territories of Australia, usually requiring a minimum cover level of $5 million.
If you work in Queensland you’ll also be required to hold the Consumer Protection extension with a minimum level of $55,000 of cover to provide protection to consumers for defects in electrical work, non-completion of electrical work and liability resulting in an electrician testing their own work.
Let’s be honest, there’s a lot that can go wrong. No matter how good you are at your work as an electrician, the risk of causing fire, property damage or personal injury is high. Even the smallest of mistakes can have big consequences, for example, the good old ‘putting a foot through the ceiling’ can set you back a couple of grand.
Public Liability insurance is something every responsible electrician should have and is designed to provide protection for you and your electrical business in the event a customer, supplier or a member of the public is injured or sustains property damage as a result of your negligent business activities.
Your tools and equipment are essential to your livelihood, so what would you do if suddenly you’re left without them? Protecting them with General Property cover will ensure you’re not left in the lurch. Also called Portable Equipment insurance, it can cover specified items such as tools, business equipment or electronic items.
You rely on your physical ability to get the work done – but have you stopped to think about how you would keep on paying the bills if you were to injure yourself or fall ill and had to take time off work? Accidents can happen anywhere, anytime. It could be at work or even when you’re out and about enjoying your spare time.
Personal Accident and Illness insurance can provide cover should you become permanently disabled or pass away as a result of an accident. Cover can also include a weekly benefit for loss of income if you are unable to work as a result of an unexpected injury or illness (even if it occurs outside of your employment).
| *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. |
An electrician was relocating a power outlet for a fridge when he accidentally cut into a plumbing pipe causing a burst of water throughout the kitchen. The entire floor was flooded which went through the kitchen and into the lounge and bedrooms. The owner of the property had just renovated the kitchen and the new cabinetry also suffered water damage.
The electrician had to call in a plumber for emergency repairs to the pipe, and the occupants of the house were unable to stay there. Fortunately, the electrician had Public Liability insurance and was able to make a claim to cover the cost of the plumber, replacement of the flooring and kitchen cupboards, and temporary accommodation for the owners of the house whilst the repairs were being attended to. The policy paid out $16,329.50 in total. Had the electrician not held Public Liability insurance he would have been personally responsible for paying these costs.
^QLD Electrical contractor insurance requirement sourced from ESO (2016, August 19th) worksafe.qld.gov.au/licensing-and-registrations/electrical-licences/electrical-contactor-licences
