Food Wholesalers Public Liability Insurance
- Over 6,000 Occupations Covered
- Competitive pricing with our Price Promise
- Flexible payment options – monthly or annually
Compare quotes from our trusted insurance partners*:
What does Public Liability Insurance cover?
What does Public Liability insurance* cover? Public Liability insurance provide s cover for your business if a customer, supplier or a member of the public is injured or sustain s property damage due to your negligent ...
read moreHow much Public Liability insurance do I need?
... Liability insurance policy: What is typically included?* Claims for compensation due to personal injury suffered by a third party (e.g. a customer, supplier or member of the public) Claims for compensation due to damage ...
read moreHow much does Public Liability Insurance Cost?
... for Public Liability insurance . Public Liability insurance is one of the most popular types of insurance for ... which could lead to a public liability claim being made. For instance, food poisoning; slips and falls ...
read morePublic Liability Insurance In Rockhampton
... W hat does P ublic L iability insurance cover ? Public Liability insurance covers claims for personal injury suffered by a third party (such as a customer, supplier or member of the public) due to your negligent business ...
read morePublic Liability Insurance In Port Macquarie
... W hat does P ublic L iability insurance cover ? Public Liability insurance covers claims for personal injury suffered by a third party (such as a customer, supplier or member of the public) due to your negligent business ...
read morePublic Liability Insurance In Perth
... is followed by Accommodation and Food Services, employing 13.6 ... insurance cover ? Public Liability insurance covers claims for personal injury suffered by a third party (such as a customer, supplier or member of the public ...
read morePublic Liability Insurance In Hobart
... W hat does P ublic L iability insurance cover ? Public Liability insurance covers claims for personal injury suffered by a third party (such as a customer, supplier or member of the public) due to your negligent business ...
read morePublic Liability Insurance In Darwin
... W hat does P ublic L iability insurance cover ? Public Liability insurance covers claims for personal injury suffered by a third party (such as a customer, supplier or member of the public) due to your negligent business ...
read morePublic Liability Insurance In Brisbane
... W hat does P ublic L iability insurance cover ? Public Liability insurance covers claims for personal injury suffered by a third party (such as a customer, supplier or member of the public) due to your negligent business ...
read morePublic Liability Insurance In Adelaide
... W hat does P ublic L iability insurance cover ? Public Liability insurance covers claims for personal injury suffered by a third party (such as a customer, supplier or member of the public) due to your negligent business ...
read morePublic Liability Insurance Explained
... Public Liability Insurance? 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 ... , like spilling food and damaging their ...
read morePublic Liability
... some of the typical types of businesses that may take a Public Liability insurance policy include: Trades Professionals Wholesalers Manufacturers Travel and tourism Office based What is typically included?** Compensation ...
read morePublic Liability Insurance In Mandurah
... W hat does P ublic L iability insurance cover ? Public Liability insurance covers claims for personal injury suffered by a third party (such as a customer, supplier or member of the public) due to your negligent business ...
read morePublic Liability Insurance NSW
... 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 member of the public are injured or sustain property damage ...
read morePublic Liability Insurance WA
... accidents - but they do happen. 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 ...
read moreDo I Need Public Liability insurance?
... things to go wrong. If your business has any interaction with clients, suppliers or any other third-party, or you sell any form of products, Public Liability insurance is a small price to pay for big peace of mind. What ...
read morePublic Liability Insurance NSW
... .If your business involves working with third-parties like customers, suppliers and members of the public, then you may want to consider Public Liability insurance . It is designed to protect a mix of businesses, from ...
read moreA sole traders guide to understanding Public Liability Insurance
... types of professions and industries. If you interact with third-parties, members of the public or suppliers than getting your Public Liability insurance sorted should be high on your never-ending to-do list! Your ...
read morePublic Liability Insurance Scenario
... story 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 ...
read morePublic Liability Insurance QLD
... accidents - but they do happen. 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 ...
read moreHow much does Public Liability Insurance cost for Tradesmen?
... * cost For Tradesmen? There aren't many tradies who like paying for Public Liability (PL) insurance , but deep down you know it's the smart thing to do. It protects you financially if you hurt another person or damage ...
read moreTop 5 reasons for having Professional Indemnity and Public Liability insurance
... are the top 5 reasons NHAA members should hold and maintain Professional Indemnity and Public Liability insurance . 1. Protection against claims of negligence, malpractice and professional misconduct Your service comes ...
read more5 tips for getting the best Public Liability insurance for your business
... Public Liability insurance . It offers protection should a customer, supplier, or even member of the public ... dining on the premises (ah, did somebody say 'food poisoning'?), presents an endless list of the ways in which ...
read moreLegal Requirement for Public Liability Insurance
... . A public liability insurance policy should include the scope of your business and any associated entities. This type of policy usually covers members of the public, suppliers and the wider community. It may also cover ...
read morePublic Liability Insurance in QLD
... not? FAQ's What is Public Liability insurance? 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 brings a claim against you ...
read moreDoes Public Liability insurance cover employees?
... interacting with people. What is not covered by Public Liability insurance? PL does not cover certain events. If your ... , or suppliers are covered by Public Liability, but not your employees. Public Liability vs Workers ...
read morePublic Liability vs. Professional Indemnity insurance: What’s the difference?
... business. What is Public Liability insurance*? 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 ...
read more5 Things to Consider When Buying Public Liability Insurance
... and not to mention delive ries for suppliers creates endless potential claim scenarios. In comparison ... coverage it needs. 3. Am I required to have Public Liability insurance cover ? Each S tate and T erritory ha s its ...
read moreWhat tradies need to know about Public Liability Insurance
... the boring bits. So what is Public Liability insurance? In a nutshell, Public Liability insurance * is there to protect you and your business if a customer, supplier or member of the public were to injure themselves or ...
read moreNew Public Liability-1b
... any third parties like customers, suppliers and members of the public on a regular basis, then you may need to consider Public Liability insurance. The chance of Public Liability insurance claim can be hard to predict ...
read moreNew Public Liability-1a
... any third parties like customers, suppliers and members of the public on a regular basis, then you may need to consider Public Liability insurance. The chance of Public Liability insurance claim can be hard to predict ...
read moreNew Public Liability-1c
... any third parties like customers, suppliers and members of the public on a regular basis, then you may need to consider Public Liability insurance. The chance of Public Liability insurance claim can be hard to predict ...
read moreProfessional Indemnity Insurance And Public Liability Insurance
... from your business activities, they cover very different liabilities. Public Liability insurance * protects your business if a customer, supplier or member of the public are injured or sustain property damage as a result ...
read morePublic Liability PPC
... you 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 ...
read moreHow much does Public Liability Insurance Cost for Restaurants & Cafe?
... café, potentially serving hundreds of customers hot food and beverages each day, which can present ... the premium? Generally, yes. But the cost of Public Liability insurance does not increase at the same rate as the level ...
read morePublic Liability Insurance for Cabinet Makers
... under a contract or as a condition of entry to a worksite. If so, make sure you have your Public Liability insurance policy sorted before you pick up the tools and that you have the right level of cover required. What ...
read moreClaim for Public Liability
... business Easy online claims form Need help? Call 1300-249-268 Compare quotes from our trusted insurance partners: Public Liability It's important to notify your insurer as soon as possible of all compensation claims made ...
read moreWhat’s the difference between Public and Product Liability insurance?
... business with Public and Product Liability insurance. What is Public Liability insurance*? Public Liability insurance is designed to provide protection for you and your business in the event a customer, supplier or a ...
read more5 ways to protect your business from liability risks
... platform. Looking for Public Liability insurance quotes ? Choose BizCover and compare competitive Public Liability insurance quotes from leading insurers online, purchase your Public Liability insurance online in only ...
read moreInformation Technology Liability Insurance
... own Professional Indemnity insurance policies. Public and Products Liability insurance Public Liability insurance is designed to provide protection for you and your IT business in the event a customer, supplier or a ...
read moreWho is Covered Under an IT Liability Policy?
... between consultants and clients requiring these insurances in addition to professional indemnity. The benefit of having professional indemnity, products liability and public liability contained in the same policy is ...
read moreBusiness Insurance
... Therapies Migration Agents Mobile Food Vans Nurses Painters Personal ... 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 ...
read moreAllied Health Combined Liability Insurance
... , Public Liability insurance is an important consideration for allied health professionals. Public Liability insurance is designed to provide protection for you and your business in the event a customer, supplier or ...
read moreInsurance for Tradesmen
... 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 member of the public is injured or sustains property ...
read moreUnderstanding insurance for recruitment consultants
... result in a costly claim. A Public Liability insurance policy will typically provide cover for: personal injury suffered by a third party (e.g. a customer, supplier or member of the public) due to your negligent business ...
read moreBusiness Insurance Guide for the Self-Employed – Part 1
... the market . Starting with Public Liability insurance. What is Public Liability Insurance? Public Liability insurance provides protection* for you and your business in the event a customer, supplier or a member of the ...
read moreInsurance for Flooring Installler
... add these types of insurance to their cover toolbox: Public Liability insurance* Public Liability insurance is designed to provide protection for you and your business in the event a customer, supplier or a member of ...
read moreNew Public Liability-1c-v2
read more
New Public Liability-1b-v2
read more
New Public Liability-1a-v2
read more
Business Insurance Perth
... the different types of business insurances your Perth business may require: Public Liability: This covers legal fees and compensation costs if a customer, member of the public, or a supplier claims against you for injury ...
read moreBusiness Insurance Melbourne
... for in the policy wording. Public Liability insurance* Compensation for: Compensation costs for the personal injury suffered by a third party (e.g. a customer, supplier or member of the public) Compensation for damage to ...
read moreInsurance for Disability Workers
... for disability support workers. Public Liability insurance is designed to provide protection for you and your Disability Services business in the event a patient, supplier or a member of the public is injured or sustains ...
read moreA practical guide to understanding business insurance
... may be challenged with. Public Liability insurance Public Liability insurance provides protection* for you and your business in the event a customer, supplier or a member of the public are injured or sustain property ...
read moreQLD Electricians Licence and Insurance Requirements
... upon the Public Liability section of your policy. It's your Public Liability insurance policy that ... the exact amount you should have, but we can give you food for through when it comes to what you need to consider when ...
read moreA sole traders and freelancers guide to business insurance
... fundamental types of business insurances, Public Liability. What is Public Liability Insurance*? Public Liability insurance provides protection* for you and your business in the event a customer, supplier or a member of ...
read more5 things to consider when purchasing business insurance
... insurance* : Public Liability insurance is an important type of insurance cover for retail shop owners. Public Liability insurance is designed to help protect you and your business in the event a customer, supplier ...
read moreInsurance for Carpenters
... ! Public Liability insurance The most common type of insurance for carpenters is Public Liability insurance*. It provides cover for legal fees and compensation costs if a customer, member of the public or supplier sues ...
read moreInsurance for Car Wash and Auto Detailers
... claim. That's where Public Liability insurance comes into play. Public Liability insurance is designed to protect your business in the event a customer, supplier or a member of the public are injured or sustain property ...
read moreInsurance for Cafes
... every day from customers dining at your café to suppliers delivering stock. The reality is accidents can and do happen. Public Liability insurance is designed to provide protection for you and your business in the event ...
read moreInsurance for Nurses
... have with your patients; Public Liability insurance is an easy choice for nurses. It is designed to provide protection for you and your business in the event a patient, supplier or a member of the public is injured or ...
read moreInsurance for Mobile Food Vans
... business to a number of Public Liability risks. Public Liability insurance is important for mobile food van businesses, providing protection for you and your business in the event a customer, supplier or a member of the ...
read moreInsurance for Electricians
... Insurance* Public Liability insurance is the most common type of insurance that every responsible electrician should have. It covers legal fees and compensation costs if a customer, member of the public, or a supplier ...
read moreBusiness Insurance in Townsville
... consider policies like: Public Liability insurance* 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 brings a claim ...
read moreInsurance for Massage & Alternative Therapies
... closely with them, making Public Liability insurance an important form of cover. Public Liability insurance is designed to provide protection for you and your business in the event a client, supplier or a member of the ...
read moreInsurance for Dog Walkers
... ? Public Liability Insurance Public Liability insurance is important for dog walkers. Public Liability insurance is designed to provide protection for you and your dog walking business in the event a client, supplier or ...
read moreInsurance for Consultants
... Insurance* Public Liability insurance is a no brainer for all types of consultancy services. Public Liability insurance is designed to provide protection for you and your business in the event a customer, supplier ...
read moreInsurance for Cleaners
... The short answer is yes. Thankfully, Public Liability insurance is there to provide protection for you and your business in the event a customer, supplier or a member of the public is injured or sustains property damage ...
read moreInsurance for Martial Art Teachers
... Liability insurance is important for martial arts trainers by providing protection for you and your business in the event a student, supplier or a member of the public is injured or sustains property damage as a result ...
read moreInsurance for Cabinet Makers
... of the first insurances you may need to consider is Public Liability insurance. Public Liability insurance is designed to provide protection for you and your cabinet making business if a customer, supplier or a member ...
read moreInsurance for Butcher Shops
... as an interested party on the insurance policy. Insurance for Butcher Shops Public Liability Insurance* When you're dealing with customers and suppliers daily, Public Liability insurance is an important consideration for ...
read moreInsurance for Landscapers
... 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 of the public is injured or sustains property damage ...
read moreInsurance for Bakers
... the public the risk of food ... Public Liability an important type of insurance to consider. Public Liability insurance is designed to provide protection for you and your bakery business in the event a customer, supplier ...
read moreInsurance for Hair & Beauty Services
... and beauty therapists. Public Liability insurance is designed to provide protection for you and your hair and beauty business in the event a customer, supplier or a member of the public is injured or sustains ...
read moreInsurance for Allied Health Professionals
... with them, making Public Liability insurance important for allied health professionals. Public Liability insurance is designed to provide protection for you and your business in the event a customer, supplier or a member ...
read moreInsurance for Retailers
... * Public Liability insurance is an important type of insurance cover for retail shop owners. Public Liability insurance is designed to provide protection for you and your business in the event a customer, supplier or ...
read moreInsurance for Handymen
... Public Liability insurance is designed to cover legal fees and compensation costs if a customer, member of the public or a supplier ... You can keep paying the bills and putting food on the table without having to worry. ...
read moreInsurance for Social Workers
... , member of the public or a supplier claims against you for injury or damage to their property as a result of your alleged negligent business activity. Statutory Liability Statutory Liability insurance * protects you ...
read moreInsurance for Restaurants & Cafes
... third party (e.g., a customer, supplier, or member of the public) damage to property owned by a ... think about when calculating what level of Public Liability insurance your food business needs include things like: Is there ...
read moreInsurance for Psychologists
... with your clients; Public Liability insurance is an easy choice. for psychologists. It provides protection for you and your business in the event a client, supplier or a member of the public is injured or sustains ...
read moreInsurance for Plumbers
... ? Public Liability Insurance* One of the first types of business insurance to consider is Public Liability insurance *. It is designed to provide protection for you and your business in the event a customer, supplier or ...
read moreInsurance for Plasterers
... your business with Public Liability insurance is a concrete decision. Public Liability insurance is designed to provide protection for you and your plastering business in the event a customer, supplier or a member ...
read moreBusiness Insurance in Bunbury
... public liability, tax audit, employment practices and statutory liability risks. Business Insurance is an insurance ... steps for the safety of their customers, suppliers and the wider community. They are also responsible ...
read moreBusiness Insurance FAQs
... . What is Public Liability Insurance? What does public liability insurance cover? Do I need public liability insurance? How much public liability insurance do I need? How much does public liability insurance cost? How ...
read moreSole Trader Insurance
... by these people or other third parties. Public Liability insurance for sole traders is designed to protect your business if a customer, supplier or a member of the public claims they were injured or sustained property ...
read moreManaging Risk and Liability as a Sole Trader
... types of sole trader insurance . Public liability insurance* Public liability insurance provides protection for you and your business in the event that a customer, supplier, or a member of the public brings a claim ...
read moreEarthmoving and Excavators Insurance
... of some popular ones: Public Liability* Public Liability insurance is a common insurance coverage for all types of businesses. It covers legal fees and compensation costs if a customer, supplier or another member of the ...
read moreSalon owners urged to consider combined cover
... a claim every time you provide a service. Public Liability (PL) insurance Every day you work closely with your clients and members of the public, making Public Liability insurance a vital type of cover for beauty salons ...
read more7 Common Types of Small Business Insurance
... It's wise to consider insuring your assets, your revenue, and your liabilities. 1. Public Liability Insurance Every business should consider Public Liability Insurance - even home-based businesses. It covers you and your ...
read moreKeep calm and stretch on with Yoga Teacher insurance
... dishonesty Known claims and circumstances Property damage Public Liability insurance When you work closely with clients and are in contact with suppliers or members of the public when you go about your business, there ...
read moreDo I need insurance for my market stall?
... manufacturers, distributors, suppliers and retailers. To read more about food safety standards visit www ... mandatory for stall holders to have their own Public and Product Liability insurance and may request a copy of the ...
read moreWhat insurance do contractors and subcontractors need?
... may be held responsible for the repair or repainting of the ceiling. Do you need Public Liability Insurance by law? Public Liability insurance can often be a mandatory requirement for some trades when you operate under a ...
read moreBizCover expands business insurance offering by partnering with Chubb
... Liability insurance is a crucial form of protection for many Australian small businesses, particularly those that interact with customers or work on closely with suppliers ... platform offering Public Liability insurance - ...
read moreWhy personal trainers should think about an Allied Health Combined Liability policy
... time your business provides a service. Public Liability (PL) insurance Every day you work closely with your clients and members of the public, making Public Liability insurance a vital type of cover personal trainers ...
read moreBeauty to go! What Mobile make-up artists need to know about insurance
... Liability insurance. It is designed to protect you from the financial implications if you accidentally cause injury to someone or damage their property. All it takes is for a client, supplier or member of the public ...
read moreReviews related to Food Wholesalers Public Liability Insurance
-
Easy very fast and efficient, 1st timer on public liability insurance
Les K
Door Or Window Wholesaling -
I have never purchased public liability insurance so I had no idea about anything. I rang Biz cover and spoke to Patrick who was super helpful and explained everything to me in a simple way that was easy to understand, I believe that I have also received
Simona F
Kitchen / Bedroom / Bathroom Furniture Manufacture & Installation -
seems easy enough to obtain our public liability. Hopefully we are fully covered now.
Natalie R
Commercial Cleaning Services -
Very affordable insurance for public liability. I now use Bizcover for both my fast food business and my contractual training work.
Katrina S
Fast Food Retailing -
very easy to get my public liability insurance done within minutes!! Thanks.
Troy M
Landscape Construction
Public Liability insurance
Public Liability insurance is one of the most common types of business insurances that a variety of different small businesses choose to take out. It is there to provide protection if someone makes a claim against the insured, the business or its employees. Claims from a third-party can be for personal injury or damage caused to their property caused by your business activities.
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.
What kind of businesses need Public Liability insurance?
In a nutshell, if your business is interacting with any third parties like customers, suppliers and members of the public on a regular basis, then you may need to consider Public Liability insurance. The chance of Public Liability insurance claim can be hard to predict, but if it were to occur, the costs to your business could be extremely costly and potentially enough to send you out of business.
An example of some of the typical types of businesses that may take a Public Liability insurance policy include:
- Trades
- Professionals
- Wholesalers
- Manufacturers
- Travel and tourism
- Office based
What is typically included?**
Compensation for:
- Compensation costs for the personal injury suffered by a third party (e.g. a customer, supplier or member of the public)
- Compensation for damage to property owned by a third party due to your negligent business activities
- The legal and defence costs associated with a covered claim
- Compensation for damage of third-party goods not owned by you which are in your care, custody or control
What is typically not covered?*
- Injuries to your employees
- Damage to your own property
- Costs of rectifying faulty workmanship or product recall
- Professional negligence
- Contractual liability
- Events occurring before or after the policy period
- Aircraft products
- Asbestos
- Liquidated damages
- Gradual pollution
- Punitive damages- where the insured acted so badly that extra damages were awarded
- Liabilities assumed under contract which the insured would not be liable for at common law
Get the right cover
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:
- Do any of your contracts require a minimum level of public liability cover?
- Has your industry body set a minimum level of public liability cover for membership?
- Does your business or trade licence require a minimum amount of public liability cover?
- What kind of accidents could occur due to your business operations and what could be the potential cost of a claim?
Why choose BizCover for your Public Liability insurance?
Built for small business
We know insurance and what makes small businesses tick
Clear and competitive pricing
You can compare and choose from a range of highly competitive prices right there on your screen. Seriously.
Cover to match your needs
You can tailor policies from selected Australian insurers to suit the needs of your business, and we are there to help!
Real people adding real value
Our friendly service team is on hand and on a mission to make you smile!
Frequently Asked Questions on Public Liability Insurance
Small business owners on average in the 2018/19 Financial Year paid around $63.53 per month^ for Public Liability insurance through BizCover. Public Liability Insurance is one of the most common types of insurance for businesses.
When it comes to the pricing of Public Liability insurance, there isn’t a one price fits all. There are a variety of industries and occupations, each with different risk factors that can impact the pricing greatly. Some of these key factors include:
- The type and nature of your business
- Your business turnover and size
- The amount of insurance cover your business needs
Additional factors that determine the cost of your Public Liability insurance policy include:
- The location of your business
- What is included and excluded in your policy
- The insurance provider you choose
The most accurate way to find out the cost for your business is to simply get an instant online quote.
| *We know, sometimes you just want a quick idea of how much your insurance is actually going to cost. However, it’s important to note that the data included within this article was sourced from BizCover’s Australia wide customer data for all “pay by the month” public liability policies purchased through BizCover during 2018/19 Financial Year and is intended as a guide only. It may not reflect pricing for your particular business as individual underwriting criteria will apply. Get a hassle-free quote for your business here. |
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.
While it is not a legal requirement in Australia for most businesses, there are some situations where it may be mandatory for you to have you an active Public Liability policy before you can operate. For example, it may be a contractual requirement to have before you are allowed “on site”.
No matter how much care you may take, if your business interacts with clients, suppliers or members of the public, there is always the potential for a claim to occur.
You may need to consider Public Liability cover if any of the following apply to your business:
- You have customers, suppliers or members of the public who visit your business premises, e.g. diners who visit your cafe, or clients who visit your office, whether in a commercial building or home-based office
- You manufacture and/or sell any kind of products, e.g. food, beauty products, furniture, clothing or household items
- Working at your client’s site, e.g. a tradesperson carrying out repairs or work in other people’s homes
- If your business hosts or participates in public events, like a stand at a tradeshow attended by members of the general public
One of the first things to consider when calculating which level of Public Liability insurance your business may need is to think about the risks your business faces and any industry or contractual requirements involved.
While it would be nice to be told the exact amount of cover you should have, the decision is ultimately up to you.
If you work with contracts, these commonly stipulate the minimum amount of Public Liability cover your business must hold to comply with the contract. Professional bodies and industry associations may also require members to maintain a minimum amount of Public Liability insurance to become a member or to meet licensing requirements.
Take the time to consider the amount of work that you perform and the appropriate amount of financial protection you would need in the event a Public Liability claim is made against you.
With BizCover there are three levels of cover (limits of liability) available to select: $5 million, $10 million or $20 million.
The appeal of having the freedom to be your own boss is why so many Australians operate as a sole trader, but it is not one that comes without its own risks. Unlike working for a company, the reality is when things go wrong and a claim is made, you could be held responsible and it’s your back pocket that could be left financially destroyed.
An unplanned event could not only put your personal finances in havoc, but you could end up shutting up shop for good. Fortunately, with the right insurance in place, not only will you have a solid financial safeguard in place, but protection for your hard-earned reputation too.
Public Liability insurance is a popular type of insurance amongst sole traders. As a small business owner you have a legal responsibility to take the right steps to create a safe environment for third-parties when they interact with your business.
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 become injured or sustain property damage as a result of your negligent business activities.
The short answer? No. Each type of insurance provides specific cover for very different kinds of business risks.
Business insurance* is an insurance package designed to provide cover for your business contents, stock, tools and commercial 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 for loss of revenue due to business interruption in specified circumstances. It also offers the option of selecting public liability cover but that is not automatically included.
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 .
If your business manufacturers or sells products you may also need to consider Product Liability insurance. Product Liability insurance* protects your businesses against claims by third parties relating to property damage or personal injury caused by your products. It typically forms part of a Public Liability policy.
Public Liability insurance can be purchased as a stand alone product or as part of a Business insurance package.
One of the first steps you need to take in lodging a claim (or to report a circumstance which may lead to a claim) is to complete a claim form – please click here to download.
To assist with the processing of your claim and to avoid delays, please attach all the supporting documents you have, which may include original invoices, receipts, manuals, pictures, reports and replacement quotes.
Once you have completed the form, email it to: claims@bizcover.com.au and we’ll manage the process directly with the insurer.
Public Liability and Professional Indemnity insurance both offer different types of cover, for different kinds of risks your business may be exposed to.
Public Liability insurance is designed to provide coverage for legal fees and compensation costs if a customer, member of the public, or a supplier claims against you for injury or damage to their property as a result of your alleged negligent business activity*.
This differs from the type of coverage Professional Indemnity insurance* provides. Professional Indemnity insurance focuses on protecting you against losses claimed by a third party due to alleged or actual negligence or errors in your professional services or advice. Professional Indemnity insurance will meet the associated compensation payable to a third party together with your defence costs (which can include legal costs, investigator costs and expert fees).
If your business requires having clients visit your premises, or you going to visit them, providing your advice and services, then Public Liability and Professional Indemnity insurance may be two important forms of coverage your business needs to consider.