What is Public Liability Insurance?

Do I need public liability insurance?Claim Example What is Public Liability Insurance?* Public Liability insurance protects your business if a customer, supplier or member of the public is injured or sustains property ...

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Public Liability Insurance in Perth

... small 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

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Public Liability Insurance in Mandurah

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Public Liability Insurance in Hobart

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Public Liability Insurance in Darwin

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Public Liability Insurance in Brisbane

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Public Liability Insurance in Adelaide

... small businesses 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 ...

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Public Liability Insurance in Port Macquarie

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How much Public Liability insurance do I need?

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What does Public Liability insurance cover?

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Public Liability

What’s included & what’s not?Get the right coverPublic Liability Insurance cost Here's the lowdown on Public Liability insurance* As a small business owner you already have lots to worry about. From paying your employees ...

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What is Product Liability Insurance?

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How much does Public Liability Insurance Cost?

... owners can expect to pay around $63.53 per month^ for Public Liability insurance. Public Liability insurance is one of the most popular types of insurance for businesses. In fact, it is important for almost every kind ...

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Public Liability Insurance for Cabinet Makers

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5 Tips for getting the best Public Liability insurance for your business

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Legal Requirement for Public Liability Insurance

Public liability insurance covers your business for losses ... business' activities. Failure in obtaining public liability insurance policy can expose ... -based business); and Your business hosts off-site events that can be attended by the general public. A public liability insurance policy should include the scope of your business and any associated entities. This type ...

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What Tradies Need to Know About Public Liability Insurance

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Do I need Public Liability insurance?

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Public Liability NSW

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Public Liability QLD

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Public Liability WA

... property? A Public Liability insurance policy will help ... 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 ...

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Business Insurance Guide for the Self-Employed - Part 1

... are a variety of business insurance [] ... some of the main types of business insurances on the market. Starting with Public Liability insurance. What is Public Liability Insurance? Public Liability insurance provides protection* for  you and your business ...

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7 Types of Insurance Your Small Business Should Consider

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Insurance for Plasterers

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Insurance for Tradesmen

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Insurance for Car Wash and Auto Detailers

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Insurance for Handymen

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Insurance for Electricians

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Insurance for Cleaners

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Insurance for Landscapers

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Insurance for Carpenters

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Insurance for Hair & Beauty Services

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Insurance for Plumber

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Insurance for Yoga Teachers

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Insurance for martial art teachers

... a martial arts teacher, making sure you have the right insurance in place to protect your business is one of the ... a dojo or somewhere else. Either way, Public Liability insurance is important for martial arts trainers by ...

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Insurance for Gift Shops

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Insurance for Civil Engineers- what you need to know

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Insurance for Massage & Alternative Therapies

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Insurance for Architects

... is probably yes. Chances are you'll have regular contact with clients, contractors and the general public. Public Liability insurance is designed to provide protection for you and your business in the event a customer ...

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Insurance for Marketing Consultants

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Insurance for Cafes

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Insurance for makeup artists

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Insurance for Retailers

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Insurance for Consultants

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Insurance for Psychologists

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Insurance for Butcher Shops

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Insurance for IT Professionals

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Insurance for Personal Trainers

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Insurance for Restaurants

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Insurance for Bakers

... is where business insurance comes into play ... Insurance for bakers Public Liability Accidents can easily occur in a bakery which makes Public Liability an important type of insurance to consider. Public Liability insurance ...

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Insurance for Furniture Manufacturers

... issued to manufacturers/suppliers who fail to comply with mandatory safety standards. Insurance for Furniture Manufacturers Public & Products Liability* There are a variety of risks that you are potentially exposed to ...

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Insurance for Dog Walkers

... dog walking business within a public park. Insurance for Dog Walkers Public Liability Insurance* Public Liability insurance is important for dog walkers. Public Liability insurance is designed to provide protection ...

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Insurance for Professionals

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Insurance for Recruitment Consultants

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Insurance for Real Estate Agents

... claims which are covered by the policy. Public Liability Insurance* It's likely that you have an ... you still be able to earn an income? Cyber Insurance* Consider the client data you are storing and the implication ...

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Insurance for Pizza Shops

... about what you would do if your pizza shop didn't have insurance in place. Do you have enough spare dough to get it back ... making Public Liability an important form of insurance to consider. Public Liability insurance ...

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Insurance for Nurses

... activities. Public Liability Insurance* Considering how closely you have with your patients; Public Liability insurance is an ... The information contained on this web page is general only and should not be relied upon as ...

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Insurance for Civil Engineers

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Insurance for Project Managers

... claims which are covered by your policy. Public Liability Insurance* Whether you work from an office or you're out and about onsite, Public Liability insurance is important to your project management business. It ...

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Cyber Liability Insurance

... general only and should not be relied upon as advice. Could this happen to you? Hackers are alive and well and get a thrill out of making business owners sweat. Cyber Liability Insurance ... hiring a Public Relations firm ...

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Business Insurance

... And you can include Public Liability Insurance to ensure you are ... insurance, cover is subject to the terms, conditions and exclusions contained in your policy document. The information contained on this webpage is general ...

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Insurance for Cabinet Makers- What You Need to Know

When it comes to building and creating quality pieces of craftsmanship, cabinet makers know a thing or two. This highly skilled trade involves having an eye for detail ... may also be a legal requirement to have Public Liability insurance in place before you undertake a contract or step ... Equipment cover (also known as general property insurance) can provide protection by insuring specified ...

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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 ... to protect yourself against claims arising from your previous work. Public Liability Insurance If you're dealing with clients, suppliers, contractors and the general public on a regular basis, there is a chance that ...

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Insurance for Convenience Stores

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Insurance for Registered Migration Agents

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Insurance for Sole Traders and Self Emplyed

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Insurance for Tutors

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What is Business Insurance?

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5 Things to Consider When Buying Public Liability Insurance

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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 ... 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 ...

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Public Liability PPC

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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, ... care of themselves, but the primary insurances - public liability and professional indemnity - are crucial. ... Can You Do? Insure your legal liability! Public Liability (or 'PL') covers claims against personal injury or ...

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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 ... Insurance Price Index (Financial Year 2017 2nd Quarter) There was no change in the Professional Indemnity sector, but the index for Public Liability ... prices. Graph 2 – BizCover PL/BizPack Retail Index (Financial Year 2017 ...

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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 ... ... competition in the business insurance market. The BizCover Small Business Insurance Index has shown premiums ... groups, Combined Professional Indemnity/Public Liability and Public Liability/Business Packs are not seeing ...

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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 ... “must have” insurance: Public Liability– protects against legal and court costs in the event that someone is injured, or has their property damaged while you are providing a service to them. Every business should have PL ...

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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 ... ... 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 ...

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Insurance for Disability Workers

... closely 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 ...

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Insurance for Painters

... the work of subcontractors. Therefore sub-contractors should consider maintaining their own public liability insurance. Insurance for Painters Public Liability Insurance* In the world of painting, it's a wise move to ...

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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 ... , for a claim to be made. Fear not, Public Liability insurance can help clean up the mess by covering your legal ... claim. That's why Portable Equipment insurance (also known as General Property) is an essential form of ...

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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 ... ... you 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 Allied Health Professionals

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Insurance for Pet Professionals

... public and trigger a claim. That's where Public Liability insurance comes into play. Public Liability insurance ... Equipment Insurance* Portable equipment insurance (also known as General Property insurance) covers ...

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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 . ... feel overwhelming at times, with many types of cover available in the insurance marketplace. From Public Liability cover to a variety of business insurances, in this article we explain some of the key things furniture ...

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Insurance for Social Workers

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Insurance for Mobile Food Vans

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Do I need insurance for my market stall?

From fresh food and irresistible treats to clothing, arts, crafts, and bric-a-brac, Australia has become spoiled for choice when it comes to markets. And with the festive ... risks. Insurance for market stall holders is designed to protect you and your business against the financial risk in the event that something goes wrong, It usually consists of two types of cover - Public Liability and ...

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How much does Business Insurance cost?

... popular cover options taken out by retailers Looking at the below graph, it is clear to see that Public Liability insurance is the most popular taken out by retail businesses at 91%, followed by Contents, Glass and Theft ...

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Home Based Business Insurance

... Insurance for Home Based Businesses Public Liability* One of the basic insurances to consider is Public Liability insurance. Public Liability insurance ... Equipment insurance (also known as General Property insurance) covers ...

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Insurance for Electrical Engineers

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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.