What is Product Liability Insurance?

Do I need Product Liability Insurance? What is Product Liability Insurance? Product Liability insurance* protects your businesses ... supplies or distributes products in Australia. Even with the highest attention ...

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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 .. ... by an insured event. Management Liability* Management Liability insurance is designed to provide ... business. Working with some of Australia's leading insurance providers means we can ...

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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 ... about Public Liability insurance is that it covers you anywhere in Australia, so ... That's why Portable Equipment insurance (also known as General Property) is an ...

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Insurance for architects- the blueprint to success

The career of an architect is an exciting one, yet it's not one without risk. From the ground up, your responsibilities are skyscraper high. Beginning with the first ... Why do I need architect's insurance? Within Australia, the architecture industry is ... Public Liability Insurance If you're dealing with clients, suppliers, contractors and the general ...

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The bricks and mortar of building insurance cover- what you need to know

Your business property is like your home away from home and is the place where you work your magic. Whether you're in the business of providing expert advice to clients ... of inoccupancy: Loss, damage or liability during any period in excess ... be easily avoided. The Insurance Council of Australia defines underinsurance as: “When ...

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The Risky Business of Insurance

What are the Real Costs to Australian Small Business? Small business owners tend to be juggling many balls - managing clients, cash flow, staff, stock and future planning ... or underinsured and the Insurance Council of Australia estimates that 70% of ... 'nice to have' insurance. Examples of “must have” insurance: Public Liability– protects against ...

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Triumph after Tragedy for QLD Fitness Trainer Latest Winner of Bizcover.com.au $60,000 'Small Business Buddy Program'

Latest Winner of Bizcover.com.au $60,000 'Small Business Buddy Program' Michelton resident Charlotte Hansen last week marked a major milestone when she went from cancer ... About BizCover BizCover is Australia's leading online insurance service and is changing ... , Public Liability, Business Insurance, Management Liability and now Cyber Insurance. BizCover provides multiple insurance quotes ...

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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 ... covered by public liability insurance in the following circumstances: The general public can ... be attended by the general public. A public liability insurance policy should include ...

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What is Public Liability Insurance?

... need public liability insurance?Claim Example What is Public Liability Insurance?* Public Liability insurance protects your ... on this web page is general only and should not be ...

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Public Liability Insurance

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 ... What Janine needed was public liability insurance or insurance that protects you and ... right cover. In partnership with Australia's leading insurance companies, it has made ...

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BizCover SME Insurance Price Index Q1 FY20

... price reductions on their Public Liability insurance, while prices have remained steady ... , the annual inflation rate in Australia rose to 1.6 percent ... price reductions on their Public Liability insurance, while prices have remained steady ... small business customers across Australia purchasing their insurance through our platform.” BizCover ...

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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 ... ... , and your liabilities. Public Liability Insurance Every business should consider Public Liability Insurance - even ... Building, Contents, Theft, Glass, and General Property. It is designed to ...

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5 Tips for an Insurance Health Check

If your insurance is due for renewal or ... just wanting to do a general review of your business, it's ... a health check of your insurance to ... just wanting to do a general review of your business, it's ... the level of your Public Liability insurance. Similarly, take into account any ...

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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 ... ... and circumstances Property damage Public Liability insurance When you work closely with ... know? Yoga Australia recommends the following minimum levels of insurance cover for ...

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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 ... ... covered under an IT Liability Policy? An IT Liability insurance policy typically will ... behalf of the entity. IT Liability insurance policies need to provide cover ...

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Dishing up the facts on food business insurance

... you have the right business insurance. When it comes to insuring ... ... be compulsory, for example, Public Liability insurance is often required when you ... few boxes of groceries! Public Liability insurance is designed to protect your ...

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5 Surprising Things Business Insurance Can Cover

When looking for Business Insurance, most small business owners typically ... things such as their legal liabilities and top of mind assets ... ... an unforeseen event. Business Interruption insurance is designed to compensate you ... an exceptionally prime target. Cyber Liability insurance is a 'must have' policy ...

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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 ... the cost of their Public Liability insurance. SME Professionals have been seeing ... increases in their Public Liability insurance over the last few years ...

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Public Liability

... right coverPublic Liability Insurance cost Here's the lowdown on Public Liability insurance* As a ... on this web page is general only and should not be ...

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Insurance Considerations for Personal Trainers

Working as a personal trainer can be a rewarding career. Not only do you get to help your clients achieve their goals and transform their lifestyles, but it's also the ... the general public). To cover these types of risk consider public liability insurance ... Find Out More About Public Liability Insurance As a personal trainer you'll ...

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5 insurances every convenience store owner needs to know about

You're a retail lifesaver, helping customers at all hours with all sorts of essentials, from early morning coffees to midnight snacks. As a convenience store, you've ... without the right protection. Public Liability insurance can provide you with peace ... a quick quote handpicked from Australia's leading insurers is only a ...

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The Easter Bunny's Guide to Business Insurance

... consumed around the world. In Australia alone close to $200 million ... ... would quickly follow. Having Product Liability coverage would assure the Easter ... stop working? Within a Business Insurance pack the Easter Bunny would ...

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Do I need insurance for my market stall?

... clothing, arts, crafts, and bric-a-brac, Australia has become spoiled for choice ... ... clothing, arts, crafts, and bric-a-brac, Australia has become spoiled for choice ... cover - Public Liability and Product Liability. Public Liability Public Liability covers you for ...

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Insurance Premiums for Retailers Continue to Climb

Insurance Premiums for Retailers Continue to ... The latest BizCover Small Business Insurance Price Index has been released ... an increase in small ... not universal. Graph 1 – BizCover Insurance Price Index (Financial Year 2017 ... massive 8 points for Public Liability and Business Packs, most other ...

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Things you didn't know about small business insurance

Getting the insurance sorted for your small business ... , compare quotes and buy the insurance that suits your business. But ... not know about small ... that your personal insurance may not cover your business liabilities or property. ... and contents insurance policy might not cover all the liabilities related to ...

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Small Business Insurance Price Index Q3

Insurers hold on to SME Insurance Premium Price Increases! Despite a ... BizCover Small Business Insurance Price Index has shown insurance rates ... BizCover Small Business Insurance Price Index has shown insurance rates dropping back ... professional sector, primarily around Public Liability and Business Packs (predominately covering ...

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How the cost of Professional Indemnity insurance is calculated

... of a Professional Indemnity (PI) insurance policy is calculated and why ... the cost of Professional Indemnity insurance. Insurance policy pricing ... the cost of Professional Indemnity insurance. Insurance policy pricing is generally calculated ... ,000 BizCover customers with PI insurance during the 2016/17 financial year ...

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Small Business Continues to Win on Insurance Prices!

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

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

Running 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 ... business . Is insurance mandatory for your business? In Australia for some business ... you rent your premises, public liability may be a requirement from ...

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6 Areas You May Not Have Thought Business Insurance Covers

Your business is your livelihood. So it's vital to protect your business assets and revenue against potential risks that may impact your business, such as fire, storms ... that you are responsible for. General Property You can cover portable ... covers such as Public Liability and Professional Indemnity insurance to ensure you ...

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5 Common Beauty Insurance Claims

As much as we like to hope otherwise, unexpected events happen! Things can go dreadfully wrong despite the best efforts we take to prevent them - and the simplest of ... on it. “Thankfully my Business Insurance policy included building and contents ... landlord to hold a Public Liability policy. I've always enforced strict ...

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5 Reasons To Review Your Business Insurance This Christmas

Christmas can be a busy (as well as stressful!) time for many small businesses. Come December the big Christmas countdown is on as people are busy preparing for the end ... you're protected within your Business Insurance pack, as with increased trading ... bushfires in Perth and South Australia. If your business was to ...

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Personal Accident and Illness Insurance for Tradies

Does the thought of being off work for three months due to a major mishap with a nail gun horrify you? As far-fetched some accident stories may sound, the reality is ... where Personal Accident and Illness Insurance comes in to play. Designed ... contractor, Personal Accident and Illness insurance is an important type of ...

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Getting the Best Value on Your Business Insurance

The new year is now in full swing, and if you're like some of us in this office, you will probably have resolved to be a bit smarter with your money in 2016 and perhaps ... best value on your business insurance. Cover yourself up! Check your ... making a claim having enough insurance could mean the difference between ...

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The Remaining Risk: What Isn't Covered and Why it Matters

... most common issues with Business Insurance is that policy owners often ... ... type of your insurance. Read the below carefully: Public Liability – This protects ... you can work again. Cyber Liability Insurance – Cyber Liability Insurance protects against the expenses ...

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Help Protect your small business' reputation

When it comes to running a small business, your brand and its reputation are priceless. No doubt you've spent countless hours establishing your name by building strong ... Regulatory Event or Investigation, Cyber Liability Insurance Can you imagine trying to ... number one business risk within Australia and number two globally. Attacks ...

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Preparing your store for the holiday season ahead

The holiday season is upon us, which is an important time for retail businesses. It can provide a much needed boost in sales, but on the flip side it can also mean an ... legal expenses. Ensure your Public Liability insurance policy has adequate cover to ... against fire and other perils. Australia is well known for extreme ...

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The Art of Being a Creative Small Business

Whether you're running your own business as a small team or flying solo in the freelance world, one thing is for sure, the creative arts industry is anything but boring ... : Creative Small Businesses in Australia Small businesses within Australia are growing, with ... a requirement to hold Public Liability insurance before you can perform in ...

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How to survive the silly season: a guide for small businesses

In the blink of an eye, the silly season is here again! For some, it's the busiest time of year, from retailers helping people get their last-minute gifts and service ... have an active Public Liability insurance in place. Public Liability insurance is designed to ... range of competitive quotes from Australia's leading insurers.

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5 Ways To Prepare Your Business Premises For The Cooler Seasons

As we say goodbye to those sunny summer days and hello to fresh, frosty mornings, the change in seasons is a prime time to make sure your business premises is prepared ... Keeping on top of the general maintenance of your building helps ... in these areas. Having Public Liability insurance is one of the vital ...

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The Risks of Growing Your Small Business

"The only strategy that is guaranteed to fail is not taking risks." - Mark Zuckerberg There comes a time when every successful enterprise needs to ditch the baby steps ... even a year. Consider Cyber Liability insurance, especially if your business relies ... attacks and session hijacking. Cyber Liability insurance may not prevent an attack ...

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Business Horror Stories

Running a business can be a wonderful rewarding experience, but sometimes things can go horribly wrong. THE ONLINE ONSLAUGHT We never believe it can happen to us, that ... down for good. A management liability insurance policy can be the only ... them. Business Insurance cover options such as Management Liability and Cyber Liability are ...

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How to hire quality tradesmen for your small business with Oneflare

When hiring tradesmen for your small business, you don't have any room for error - so every tiny detail counts. It can be daunting and time-consuming sorting through ... look out for. Public Liability Insurance This is the most common ... improvement content specialist from Oneflare. Australia's fastest growing online marketplace connecting ...

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Keep cool and carry on - A summer survival guide for restaurants and cafés

Iced teas, tropical fruits, a cheeky ice cream - those signature flavours of summer are something you would be all too familiar with as a restaurant or caf owner. Summer ... café business is with Public Liability insurance. It is designed to protect ... competitive quotes from some of Australia's most trusted insurers. Resources: https ...

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Managing Risk for Tradesmen

Running your own trade business or working as a contractor often means you're exposed to greater risk than many other business owners. There's always the potential for ... the right business insurance. Protect your livelihood Public Liability insurance is undoubtedly one ... with Personal Accident & Illness insurance. It pays up to 85 ...

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Toolbox of Tips for Tradies National Health Month

... campaign held every August in Australia each year, aiming to raise ... tradies. According to Safe Work Australia, tradies make up almost one-third ... Personal Accident and Illness (PA) insurance comes into play. Personal Accident ... state of mental health. MensLine Australia: a telephone and online counselling ...

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Professional Indemnity Claims: when should I notify my insurer?

Your Professional Indemnity (PI) insurance is no doubt one of ... against your business. Like all insurance policies, there are several important ... ... against your business. Like all insurance policies, there are several important ... providing negligent advice in both Australia and overseas, he failed to ...

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Small Business Index July 2015

SMEs benefiting from declining insurance rates but is the tide ... capacity and competition in the insurance market over the last few ... down the price ... Professional Indemnity & Public Liability and Public Liability /Business Packs. Michael Gottlieb ... with capital chasing returns in insurance.” The Professional Indemnity rates reduced ...

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Is your Small Business Summer Proof?

Summer in Australia is a great time of ... ... when you get your Business Insurance you also cover for Business ... been burnt in bushfires across Australia, the majority of these between ...

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A Close Shave with Underinsurance

... to make sure that your Insurance grows with your business and ... number of small businesses in Australia are underinsured and many don't ... ... number of small businesses in Australia are underinsured and many don't ... closed. Luckily, the Business Interruption insurance that Samantha had added to ...

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Pet Stays, becomes the 32nd BizGiver winner

... the 32nd Winner of BizCover Insurance's BizGiver $2000 Small Business Grant ... ... clients and pet sitters around Australia,” enthuses Jeannene. “Our success is ... more traditional methods of buying insurance, said Michael Gottlieb, Founder and ...

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Customer Spotlight: Cheaper Buy The Dozen

... major online wine companies in Australia. "We now […] ... as award-winning wines from across Australia, delivering online orders directly to ... of a comprehensive and robust insurance plan for his business. “I ...

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5 Reasons to love Personal Accident Cover

Personal Accident and Illness Insurance (IPA Cover)offers financial protection ... ... Health Checks Unlike some other insurance policies, a personal accident policy ... , or just for life in general, it's great to know that ...

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PI Index: Premiums Decline 10 Straight Quarters

Business Insurance Premiums Decline 10 Straight Quarters, ... healthy competition in the business insurance market. The BizCover Small Business ... ... product groups, Combined Professional Indemnity/Public Liability and Public Liability/Business Packs are ... , the cost of Professional indemnity insurance for some Allied Health professionals ...

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Professional Indemnity for Real Estate Agents

... Real Estate Industry Professional Indemnity Insurance provides essential financial protection against ... of $1 million Professional Indemnity Insurance ... Real Estate Industry Professional Indemnity Insurance provides essential financial protection against ... in the advertising material and liability on the real estate agent ...

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Aussie Entrepreneurs Share the Top 3 Lessons They've Learned

... , and every day, we're celebrating Australia's entrepreneurs. Those hard-working hustlers who ... ... , and every day, we're celebrating Australia's entrepreneurs. Those hard-working hustlers who ... first online only small business insurance platform. Despite it’s growth ...

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Tips for making a Stress-Free Claim

Making an insurance claim can be stressful - but ... ... sitting down to read your insurance policy's Product Disclosure Statement (aka ... out more about Business Interruption insurance here. When Disaster Strikes Call ...

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Comparing Portable Equipment & Electronic Equipment Cover

Business insurance isn't always straightforward, and sometimes ... the nitty-gritty to understand what insurance is being offered and which ... especially ... especially the case with Business Insurance options like Portable Equipment and ... your insurer. Portable Equipment This insurance provides repair or replacement for ...

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BizCover wins dual accolades over two big nights

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

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Doggone Great! Local QLD Business Selected in the $60,000 'Small Business Buddy Program'

Small Business Buddy Winner! Local QLD Business Selected in the $60,000 'Small Business Buddy Program' Woofwatchers, a local dog grooming and pet caring business is ... About BizCover BizCover is Australia's leading online insurance service and is changing ... , Public Liability, Business Insurance, Management Liability and now Cyber Insurance. BizCover provides multiple insurance quotes ...

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A roadmap to staying in business for the long haul: Part 2

The journey to becoming a successful small business owner is one of twists, turns and the occasional speed bump. In our two-part series (catch up on part 1 here) we map ... not found liable, your Public Liability policy will cover the associated ... touch with the BizCover team, Australia's Small Business insurance specialists.

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Challenges of the Furniture Manufacturing Industry

Modern furniture design Furniture design isn't exactly easy. Furniture designing is an artistic niche that caters to both the functionality, as well as the visual appeal ... also important to choose suitable insurance coverage to give you peace ... Challenges of furniture manufacturing in Australia Despite the uptake in Australian ...

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Mum's the Word: Wise Words of Advice From Business Savvy Mums

This Mother's Day we share some of the pearls of wisdom small business owners have been given by their mums for life and business. Linda Reed-Enever, Co-Founder of Business ... running her father's business in Australia and negotiating contracts for 12 ... you have the right business insurances to protect it. We can ...

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Our Customers Get Their Bad Business Habits Out of Their System

We recently launched a campaign that showed how small business owners really feel about their expensive, outdated policies… and encouraged them to get them out ... he subjected his old public liability policy to his bandsaw. Jill ... a ladder. Lisa, owner of Australia Trip Planner, created one too ...

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A $2,000 Wish for Your Small Business

Ask any small business owner about the most difficult aspect of running a business and you'll most likely get an array of answers. However, one thing in common that most ... wishes of small businesses around Australia since 2014 with their BizGiver ... more traditional methods of buying insurance,” said BizCover Founder and Managing ...

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Progressive Distillery in Hobart Tasmania, defeats hundreds of others Small Businesses Nationwide to become the latest winner of BizCover's $2000 grant, BizGiver.

Deviant Distillery, a high tech distillery in Hobart Tasmania, is doing something no one has even though of before. They've developed their own propriety technology that ... BizGiver, run by Australia's first online Small Business Insurance Comparison Site, is ... entries from businesses owners across Australia. The past winners of this ...

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The Best Thing Dad Told Me About Business…

This Father's Day we look at some of the best bits of advice small business owners have been given by their Dad's when it comes to running a business and putting their ... packages to every corner of Australia. Anu Sawhney, the Human behind ... protect it. At BizCover, experience insurance made easy with access to ...

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Stay Smart Online Week: Q&A with experts on Small Business Cyber Risks

This week is Stay Smart Online Week; a government initiative that aims to reverse the threat of cybercrime. Small businesses are some of the biggest growing targets for ... total data breaches in Australia. · Cybercrime costs the ... ://www.staysmartonline.gov.au/get-involved/stay-smart-online-week-2018/sign-our-free-alert-service) · Buy cyber insurance Small Businesses are often short ...

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10 small businesses share what they love about their small business

To celebrate Valentine's Day we went straight to the heart of owners from a variety of industries and asked them what they love most about their small business. From ... my business grow organically across Australia.” She describes running her own ... in love with a business insurance provider that will return your ...

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Here’s the lowdown on Public Liability insurance*

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

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

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


Public Liability explained further…

Product Liability explained further…

Independent feedback from our customers rated our service at excellent.

What is typically included?**

Compensation for:

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


What is typically not covered?* 

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


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

Download Public Liability Fact Sheet

Your Cover Options 

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

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

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