What is Product Liability Insurance?

... injury or property damage as a result of a product defect can be expensive, and without the right Product Liability insurance you could find yourself in hot water. I f you operate as a sole trader, you will ...

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How much does Public Liability Insurance Cost?

... will apply.  Get a hassle-free quote for your business here. Given the various industries and occupations Public Liability insurance can cover, also means the cost of it can vary greatly. This is due to a number of ...

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Public Liability Insurance in Perth

... businesses in Perth pay $33.80 **per month for a Public Liability insurance policy. Public Liability insurance is one of the most popular types of insurance for businesses. In fact, it is likely to be very important ...

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Public Liability Insurance in Rockhampton

... in Rockhampton pay $35.40 **per month for a Public Liability insurance policy. Public Liability insurance is one of the most popular types of insurance for businesses. In fact, it is likely to be very important ...

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Public Liability Insurance in Mandurah

... businesses in Mandurah pay $28 **per month for a Public Liability insurance policy. Public Liability insurance is one of the most popular types of insurance for businesses. In fact, it is likely to be very important ...

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Public Liability Insurance in Hobart

... businesses in Hobart around $29.30 **per month for a Public Liability insurance policy. Public Liability insurance is one of the most popular types of insurance for businesses. In fact, it is likely to be very important ...

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Public Liability Insurance in Darwin

... in Darwin pay around $30.80 **per month for a Public Liability insurance policy. Public Liability insurance is one of the most popular types of insurance for businesses. In fact, it is likely to be very important ...

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Public Liability Insurance in Brisbane

... defence costs) could potentially send you out of business. That's why you should consider Public Liability insurance to provide the financial protection your business deserves. “I’m a repeat client – you are doing ...

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Public Liability Insurance in Adelaide

... in Adelaide pay around $37.50 **per month for a Public Liability insurance policy. Public Liability insurance is one of the most popular types of insurance for businesses. In fact, it is likely to be very important ...

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Public Liability Insurance in Port Macquarie

... in Port Macquarie pay $26.30 **per month for a Public Liability insurance policy. Public Liability insurance is one of the most popular types of insurance for businesses. In fact, it is likely to be very important ...

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What is Public Liability Insurance?

... $75,000 as well as defence costs (to the assessor and lawyer) of $30,000. Without the public liability insurance, the graphic design business would have been liable for over $100,000! *As with any ...

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Public Liability

... 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 ...

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Insurance for Victorian Plumbers

... , tax audit, employment practices and statutory liability risks. Employers Practices Liability Employment Practices Liability (EPL) Insurance* is designed to help employers minimize the risk and potential cost of ...

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Insurance for Plumber

... can include tools of trade and items of stock Employers Practices Liability Employment Practices Liability (EPL) Insurance* is designed to help employers minimize the risk and potential cost of claims taken against ...

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Insurance for martial art teachers

... employers, including gyms and studios, require you to have your own insurance in place, and insurance ... dojo or somewhere else. Either way, Public Liability insurance is important for martial arts trainers by providing ...

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Insurance for Nurses

... (NMBA). Even if you are covered under your employer's insurance policy there is no guarantee that you will be ... nurses and midwives must include: a) Civil liability cover b) Appropriate retroactive cover* for otherwise ...

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Insurance for Social Workers

... a result of your alleged negligent business activity. Employers Practices Liability Employment Practices Liability (EPL) insurance* is designed to help employers minimise the risk and potential cost of claims taken ...

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Home Based Business Insurance

... in place before you contracted the disease.  Employment Practices Liability* Employment Practices Liability (EPL) Insurance is designed to help employers minimise the risk and potential cost of claims taken against ...

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Insurance for Recruitment Consultants

... selecting the right candidate for the right job with an employer, you may be left open to a negligence claim if ... if it were to be compromised. Cyber Liability insurance helps to protect you from claims and supports ...

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BizCover expands into New Zealand and launches BizCover.co.nz

... , 2011. BizCover, the pioneer online insurance marketplace in Australia and leading ... provider of online professional indemnity insurance, has announced ... and will soon be expanded to add in Public Liability, Statutory Liability, Employers Liability, Employment Dispute Liability and other associated insurance products. To obtain a quote for professional indemnity ...

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Public Liability Insurance for Cabinet Makers

... the right kind of business insurances in place. Regardless [] ... ... not only gives you peace of mind knowing that there is protection in place for when disaster strikes, Public Liability insurance may also be a requirement if you are working under a contract or as a condition of entry to ...

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Legal Requirement for Public Liability Insurance

Public liability insurance covers your business for losses ... ' activities. Failure in obtaining public liability insurance policy can expose a business ... for losses or damage to a third party 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 ...

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What Tradies Need to Know About Public Liability Insurance

... the most common types of insurances for tradies, but do you ... ins and outs of Public Liability insurance and what you need to ... what is Public ... a claim could not only put you out of business but jeopardise your personal finances too. Public Liability insurance covers your back when things don ‘ t quite go plan. As a tradie, it can even be ...

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5 Things to Consider When Buying Public Liability Insurance

Public Liability insurance. It's one of those ... your business? Not all Public Liability policies are the same and ... ... . 4. Take the time to compare quotes There are many options when it comes to purchasing your Public Liability insurance and one thing to keep in mind is the cheapest option may not always be the most suitable ...

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Management Liability Insurance

... What’s included & what’s not? Get the right cover Could 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 ...

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Do I need Public Liability insurance?

... client contract, or as part of a lease agreement for renting a commercial property. Do I need Public Liability Insurance if I have a home-based business? Running your business from home can bring a whole host of ...

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Cyber Liability Insurance

... 2018 it 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 ...

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Public Liability Insurance Scenario

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 ... might have been avoided altogether in just a few minutes online. What Janine needed was public liability insurance or insurance that protects you and your business from being found liable to a third party for loss ...

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Cyber Liability Insurance: the safety net small businesses need

It 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 ... damage to your business by covering the expenses and legal costs that are associated with breaches. Cyber Liability insurance won't prevent an attack, but it will help businesses to manage the event effectively and be ...

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Insurance for Bakers

... Accidents can easily occur in a bakery which makes Public Liability an important type of insurance to consider. Public Liability insurance is designed to provide protection for you and your bakery business in ...

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Insurance for Lawn Mowing Services

... , accidents can still happen, even on the smallest jobs. That's where Public Liability insurance comes into play, an essential insurance to protect your business for the legal fees and compensation costs if a customer ...

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A guide to Plasterer's insurance that won't leave you, board

... by not having the right insurance in place? Read on to ... ... victim and still be able to survive financially? Many contracts will require you to have your own Public Liability insurance before you even step foot on site. Make you sure you arrange your cover with the right limits ...

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BizCover SME Insurance Price Index Q1 FY21

... 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 ...

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Insurance for Architects

... up but which are notified to you after the doors have closed. Public Liability Insurance* Do you need Public Liability insurance? The short answer is probably yes. Chances are you'll have regular contact ...

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Insurance for Pet Professionals

... to a member of the public and trigger a claim. That's where Public Liability insurance comes into play. Public Liability insurance *  is  designed to provide protection for you and your business in the ...

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Business Insurance Guide for the Self-Employed - Part 4

... piece of our Business Insurance for the self-employed ... Accident and Illness insurance and Cyber Liability insurance. We share the ... is ... . This allowed him to recover without worrying about his lost income. Cyber Liability What is Cyber Liability insurance? Cyber Liability insurance* is designed to help protect you from claims and support your ...

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BizCover SME Insurance Price Index Q1 FY20

... price reductions on their Public Liability insurance, while prices have remained steady ... ... , driven by both a 5% (Retail) and 13% decrease (Professionals) in the price of their Public Liability insurance for the most recent quarter. This contradicts the steady industry increases we have seen for Public ...

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A Guide to PI Insurance

... 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 ...

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Public Liability WA

... didn't put away or you r employee damage d a client's antique property ? A Public Liability insurance policy will help give you peace of mind . We know, sometimes you just want a quick ...

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Public Liability NSW

... The last thing you want to think about is paying for unexpected accidents – they do happen! Public Liability insurance is designed to provide protection for you and your business in the event a customer, supplier or a ...

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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 ... ... your business as a result from interruption caused by material damage events. Management Liability Insurance Management Liability Insurance protects the company and the people who manage the company, such as ...

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Insurance for Car Wash and Auto Detailers

... piece of your equipment to trigger a claim . T hat’s where Public Liability insurance comes into play. Public Liability insurance is designed to protect your business in the event a customer, supplier or ...

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Public Liability QLD

What’s included & what’s not? Get the right cover Public Liability Insurance cost Here's the lowdown on QLD public liability insurance* As a small business owner in Queensland you already have a lot to worry ...

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Insurance for Carpenters

... of your carpentry business is selling products to the public then you may need to consider Product Liability insurance*. It protects your business against claims by third parties relating to property damage or personal ...

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Insurance for Disability Workers

... with your clients and members of the public, making Public Liability insurance an important type of insurance for disability support workers. Public Liability insurance is designed to provide protection for you and your ...

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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 . ... result of an interruption to your business caused by an insured event. Management Liability* Management Liability insurance is designed to provide protection to both the business and its directors or ...

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Insurance for Gift Shops

... for a data breach, something your business can do without. This is where Cyber Liability insurance* can help. Cyber Liability insurance is designed to help protect your gift shop business from claims and support your ...

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Insurance for Hair & Beauty Services

... the legal costs associated with responding to or managing claims which are covered by your policy. Public Liability Insurance* Whether you work from your own salon or you provide a mobile service, you're always in ...

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Who is Covered Under an IT Liability Policy?

Information Technology Insurance Professionals in the information technology sector face potential liabilities from ... ... out of the services performed for a client. Who is covered under an IT Liability Policy? An IT Liability insurance policy typically will cover the following: The entity, including any subsidiaries (held or ...

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Insurance for Landscapers

... there is always a chance for things to go belly up. That's where Public Liability insurance comes into play . Public Liability protect s you and your business in the event a customer, supplier or a member ...

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Insurance for Handymen

... knock over your client's expensive antique vase - the list of potential mishaps can go on! Public Liability insurance is designed to cover legal fees and compensation costs if a customer, member of the public or a ...

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Insurance for Civil Engineers- what you need to know

... about what kinds of business insurance coverage you may need to ... ... on storing sensitive client information and data, then you may want to consider Cyber Liability insurance. A Cyber Liability insurance policy is designed* to help protect you from claims and support your profitability in ...

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BizInsure Capitalizes on the Paradigm Shift in Commercial Insurance!

... .com), a leading-edge online insurance model that connects independent professionals ... businesses to critical Professional Liability (E&O) insurance ... to a new way of thinking, a new way of underwriting, and a new way of pricing professional liability insurance for independent professionals and small businesses. Our online model (made mainstream by the personal auto ...

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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 ... ... go about your business, there is always the risk of an accident happening, and that's why Public Liability insurance is equally important for yoga teachers. If a student (or perhaps even a tradie doing some work for ...

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Insurance for Painters

... floors or a customer trips over your scaffolding. These are just two examples of when you would want Public Liability insurance to protect you as a painter. For covered claims, it will meet your legal and defence costs ...

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Insurance for Electricians

... 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 ...

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Insurance for Tradesmen

... pile of rubble, you're not going to be able to talk your way out of a Public Liability claim. Public Liability insurance is designed to provide protection for you and your business in the event a customer, supplier or a ...

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Understanding Insurance for Real Estate Agents

... consider the appropriate kinds of insurance you may require to keep ... ... was s tolen or hacked could be devastating. Get peace of mind with Cyber Liability insurance . Cyber Liability insurance is designed to help protect you from claims and support your profitability in the event ...

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Dishing up the facts on food business insurance

... you have the right business insurance. When it comes to insuring ... ... at your business premises could end up costing you more than a few boxes of groceries! Public Liability insurance is designed to protect your business against such claims by covering your legal and defence costs, and ...

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Protect your business with Statutory Liability Cover

... are many different types of insurance policies available to small businesses ... are unaware that there is insurance designed to protect against ... – not one that many small businesses' want to or can afford to make. This is where Statutory Liability insurance comes into play – designed to help cover the costs and expenses which can be incurred from an official ...

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Insurance for Yoga Teachers

... Working closely with your clients can also put you at risk of personal injury claims meaning Public Liability insurance is important for Yoga teachers. It is designed to provide protection for you and your business in ...

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What are the Insurance Options for Land Surveyors?

... 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 ...

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Insurance for Restaurants & Cafes

... , you'll get multiple competitive quotes from leading insurers within minutes. Did you Know? Public Liability Insurance: The average level of cover our customers take for their restaurant and cafe business is 10 ...

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Understanding Insurance for Mortgage Brokers

... the appropriate types of business insurance. [] ... premises or you to accidentally cause damage to their property for a claim to be made. Public Liability insurance is  designed to provide protection for you and your business in the event a customer, supplier ...

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5 Questions to ask yourself before buying Insurance for your Small Business

Know you need business insurance but aren't sure how ... while and looking to buy insurance for the first time; there ... ... of your lease. Below is a summary of the key areas of cover available to businesses. Public Liability insurance covers against the legal costs for claims of injury or property damage to 3 rd parties due to ...

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Understanding Insurance for Retailers

... , and that's where business insurance can help save the day ... ... of an interruption to your business caused by an insured event (such as fire).   Cyber Liability Insurance * As more and more retailers do their business electronically , the real risk of ...

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Understanding Insurance for Interior Designers

... where having the right business insurance in place is vital. Let ... and outs of how business insurance can protect your interior design ... ... steps to protect the safety of your customers, suppliers the community and their property. Public Liability Insurance is designed to provide protection for you and your business in the event a customer, supplier ...

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Insurance for Cleaners

... to affect your personal assets if things go wrong. Public Liability Insurance* Do you need it? The short answer is yes. Thankfully, Public Liability insurance is there to provide protection for you and your ...

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Business Insurance

... 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 ...

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Insurance for pharmacy and pharmacists

... errors, breaches of privacy and investigations/actions brought by AHPRA and other regulatory bodies. Public Liability insurance * is another type of cover likely to be relevant for pharmacy owners . It is ...

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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 ... ... level of exposure may have increased, so you might want to consider upping the level of your Public Liability insurance. Similarly, take into account any changes in nature to your business. If you have taken on extra ...

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Public Liability PPC

... can protect your business against claims that are made for personal injury or property damage. Public Liability Insurance does just that. It covers the expense of legal and defence costs; court attendance costs; and ...

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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 ... ... if you store sensitive information about your employees or clients you're an exceptionally prime target. Cyber Liability insurance is a 'must have' policy for all kinds of businesses that have an online presence. And ...

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Understanding Insurance for Graphic Designers

... , that's when your business insurance comes into play. We've ... ... you are interacting with clients at your business premise or you are out visiting them, Public Liability insurance can protect you anywhere within Australia. It provides coverage for you and your business in the ...

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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 ... both sectors saw no changes to the cost of their Public Liability insurance. SME Professionals have been seeing increases in their Public Liability insurance over the last few years, however this year the increases ...

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Business Insurance Guide for the Self-Employed - Part 2

Navigating the world of business insurance can be confusing which is ... created a guide to business insurance for the self-employed that ... and outs ... a bit easier . We've created a guide to business insurance for the self-employed that profil es the main types ... Intentional damage   Contractual liabilities   Your p rofessional ...

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How Does Professional Indemnity Insurance Benefit You?

... 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 ...

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Business Insurance Guide for the Self-Employed - Part 3

... 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 ... 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 what you couldn't afford to be without. These are ...

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Insurance for Massage & Alternative Therapies

... (think of that puddle of oil on the floor you forgot to clean up).  Having the right Public Liability insurance gives you peace of mind and financial protection for when your business needs it most. Remember, if ...

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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 ... a client's carpet causing damage to their property, for a claim to be made. Fear not, Public Liability insurance can help clean up the mess by covering your legal defence costs and compensation awarded to the claimant ...

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Insurance for Finance & Mortgage Brokers

... information you hold and the consequences if your business systems were to be compromised. A cyber liability insurance policy is designed to help protect you from claims and support your profitability in the event of ...

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Insurance for Consultants

... 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 ...

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Insurance for Allied Health Professionals

... with your defence costs (which can include legal costs, investigator costs and expert fees). Public Liability Insurance* Whether you work from your own practice, make home visits or attend to your clients ...

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Insurance for Psychologists

... personal information you may be storing and the consequences if it were to be compromised. Cyber Liability insurance helps to protect you from claims and supports your profitability in the event of a cyber breach ...

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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

 

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:

*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.