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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 ... be 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 the ...

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Public Liability Insurance

... public Legal and defence costs Public Liability Insurance protects you and your business ... location. Put simply, with a Public Liability insurance policy you won't have to ...

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What is Public Liability Insurance

... business, make sure they have public liability insurance too so all's well that ... product Do I really need Public Liability Insurance? The short answer. Yes. The ...

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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 ... online. What Janine needed was public liability insurance or insurance that protects you and ... a relatively simple process. Purchasing public liability insurance online, where quotes are instant ...

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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 home-based ... Building, Contents, Theft, Glass, and General Property. It is designed 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 ... BizCover Small Business Insurance Price Index has shown insurance rates dropping back ... non 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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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 ... upping 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 ... ... claims and circumstances Property damage Public Liability insurance When you work closely with ... accident happening, and that's why Public Liability insurance is equally important for yoga ...

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Dishing up the facts on food business insurance

... you have the right business insurance. When it comes to insuring ... ... even be compulsory, for example, Public Liability insurance is often required when you ... business insurance plan. What types of insurance should food businesses consider? Public Liability Insurance Dishing ...

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5 Surprising Things Business Insurance Can Cover

When looking for Business Insurance, most small business owners typically ... ... to ensure you have your Public Liability cover in case a customer ... an unforseen event. Business Interruption insurance is designed to compensate you ...

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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 ... sector, but the index for Public Liability and Business Packs increased 4 ...

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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 ... your current policy. Your personal insurance doesn't cover your business A ... put this in perspective, a public liability policy for an SME working ...

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Small Business Insurance Index Q2: 5 point increase, largest in 10 quarters

The Quarterly BizCover Small Business Insurance Index has shown that Australian ... enjoyed the end of declining insurance premiums with an increase of The Quarterly BizCover Small Business Insurance Index has shown that Australian ... the non professional sector with Public Liability and Business Packs (predominately covering ...

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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 ... 'nice to have' insurance. Examples of “must have” insurance: Public Liability– protects against legal ... 25,000 clients. They provide general advice backed by an experienced ...

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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 ... claims and circumstances Property damage Public Liability Insurance Working closely with your clients ... 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 ... work. Public Liability Insurance If you're dealing with clients, suppliers, contractors and the general ... chance of a claim occurring. Public Liability insurance is an essential form of ...

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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 which ... services. Find Out More About Public Liability Insurance As a personal trainer you'll ...

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Product Liability Insurance

... Product Liability Insurance? Product Liability insurance usually forms part of a Public Liability policy. ... definition of products in insurance policies, Product Liability Insurance is essential for ...

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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 ... wide range of potential risks. Insurance for market stall holders is ... types of cover - Public Liability and Product Liability. Public Liability Public Liability covers you for ...

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New Year Insurance Health Check!

2016 is here! New Year is traditionally a time for people to make resolutions and plan for their year ahead. It's also a great time for business owners to take stock ... consider increasing the level of public liability insurance that you hold. Are there ... is the increased value of general property, machinery and other contents ...

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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 ... essential covers such as Public Liability and Professional Indemnity insurance to ensure you ...

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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 ... need for adequate insurance for your business . Is insurance mandatory for your ... If you rent your premises, public liability may be a requirement from ...

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The Easter Bunny's Guide to Business Insurance

Each year at Easter millions of kilograms of chocolate are purchased and consumed around the world. In Australia alone close to $200 million is spent on Easter chocolate ... , it could also represent a public liability risk, for which the Easter ... stop working? Within a Business Insurance pack the Easter Bunny would ...

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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 ... on it. “Thankfully my Business Insurance policy included building and contents ... my 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 ... to make sure you have Public Liability, and if you do have ... you're protected within your Business Insurance pack, as with increased trading ...

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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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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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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 ... What is Building Cover? Building Insurance provides protection for material damage ... Keep in mind, things like general increases in property value and ...

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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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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 ... a cyber-attack occurring, Cyber Liability insurance will help to reduce subsequent ... generally included in Cyber Liability insurance are: · Business interruption costs · Data ...

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

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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 ... ... healthy competition in the business insurance market. The BizCover Small Business ... , the cost of Professional indemnity insurance for some Allied Health professionals ...

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Who is Covered Under an IT Liability Policy?

Information Technology Insurance Professionals in the information technology ... ... policies combine Professional Indemnity (PI), Public Liability and Products Liability to cover ... consultants and clients requiring these insurances in addition to professional indemnity. ...

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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 ... , Combined Professional Indemnity & Public Liability and Public Liability /Business Packs. Michael Gottlieb, BizCover ... with capital chasing returns in insurance.” The Professional Indemnity rates reduced ...

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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 against ... work again. Cyber Liability Insurance – Cyber Liability Insurance protects against the expenses ...

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Gold Coast Mobile Juice Business Gets a Boost

... , Australia's biggest online small business insurance provider . […] ... , Australia's biggest online small business insurance provider . The Energy Bar ( ... Professional Indemnity, Public Liability, Business Insurance, Management Liability and now Cyber Insurance. BizCover provides ...

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SMEs continue to benefit from low premiums; despite talk of price rises.

... seems to be hardening for insurance for larger businesses, the latest ... BizCover Small Business Insurance Price Index is showing no ... ... , the latest BizCover Small Business Insurance Price Index is showing no ... prices down. Professional Indemnity and Public Liability, including multiple section business packs ...

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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 ... and medication as well as general living costs.” Being granted a ... Professional Indemnity, Public Liability, Business Insurance, Management Liability and now Cyber Insurance. BizCover provides ...

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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 ... you have an active Public Liability insurance in place. Public Liability insurance is designed to protect ... the owner and if your Public Liability policy includes this. Batten down ...

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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 ... and legal expenses. Ensure your Public Liability insurance policy has adequate cover to ... and your business against a public liability claim. Reduce shoplifting The busier ...

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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 ... different types of insurance to look out for. Public Liability Insurance This is the ... most common and essential form of insurance ...

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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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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 ... and investigators, and without your insurance your could find yourself between ...

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BizCover partners with Energy Retailer CovaU

Online small business insurance provider BizCover has announced ... label version of its online insurance platform for CovaU to ... offer insurance ... traditional way of purchasing business insurance, and often delivering substantial savings ... the industry, making online business insurance even more accessible for small ...

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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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Comparethemarket.com.au and BizCover Announce White Label Partnership

... online provider of small business insurance, having helped over 90,000 ... businesses compare and buy their insurance online. Their White Label solution ... businesses compare and buy their insurance online. Their White Label solution ... compare and purchase their business insurance through the platform, but they ...

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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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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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A Close Shave with Underinsurance

... to make sure that your Insurance grows with your business and ... ... , covered her business with Business Insurance. For the next 4 years ... closed. Luckily, the Business Interruption insurance that Samantha had added to ...

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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 ... of $1 million Professional Indemnity Insurance with a number of set ...

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Pet Stays, becomes the 32nd BizGiver winner

... the 32nd Winner of BizCover Insurance's BizGiver $2000 Small Business Grant ... ... , who have embraced our online insurance services over more traditional methods ... of buying insurance, said Michael Gottlieb, Founder and ...

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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 ... do happen. Fortunately, Professional Indemnity insurance is designed to protect your ... is under scrutiny. Management Liability Insurance Being the director or part ...

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Is your Small Business Summer Proof?

Summer in Australia is a great time of year. There's a lot to enjoy, including plenty of public holidays, long days and great weather.  But along with these great ... when you get your Business Insurance you also cover for Business ... Glass Cover, under a Business Insurance Pack will cover your for ...

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Customer Spotlight: Being Brands

For this week's Customer Spotlight we look at creative brand agency, Being Brands. Being Brands is a creative agency located just outside of the Sydney CBD in Hunter ... high-level clients, that makes their insurance a must. “As a business ... for new clients, so having insurance is an essential requirement. “ “BizCover ...

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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 ... in 2008, BizCover, an online insurance service for small businesses, knows ... more traditional methods of buying insurance,” said BizCover Founder and Managing ...

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BizGiver finds it's latest winner in Wild Forage

The latest winner of the $2000 BizGiver Grant is crowned; Wild Forage, a small business supplying seasonal wild edible plants, herbs and seaweed to high end restaurants ... , who have embraced our online insurance services over more traditional methods ... of buying insurance, said Michael Gottlieb, Founder and ...

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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 ...  Find out more about Cyber Insurance here.  THE DEREGISTERED DISMAY  Threats ... their policy covered them. Business Insurance cover options such as Management ...

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Customer Spotlight: Elite Words

On today, International Women's Entrepreneurship Day, we celebrate with one entrepreneurial BizCover customer, Natalie Dawson of Elite Words. After over ten successful ... mind that Dawson justifies her insurance with BizCover. “I insure my ... worry about the cost of insurance.” “In the short term, organisations ...

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Customer Spotlight: Cheaper Buy The Dozen

After working 22 years in the car industry, Mansel Milne made the jump to the wine industry and started the online wine delivery company Cheaper Buy The Dozen. In its ... of a comprehensive and robust insurance plan for his business. “I ...

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5 Money Saving tips for Small Business

Most small business owners are conscious of their cash flow. Whether you are just starting out or have been in business a while, you'll want to make sure every dollar ... , credit card, bank account or insurance for their business.  It may ...

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Preparing your small business for a Tax Audit

The word on the street is that the ATO are going to be doing random audits of 100's of small businesses. Even if your books are in pristine condition, audits are generally ... as part of your business insurance or as a standalone policy. ...

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Professional Indemnity Insurance for Consultants

A large number of people that start businesses, in Australia have been experiencing a steady growth in business for the past few years. One area that is growing in magnitude ... may want to add business insurance or public liability insurance for your own protection. ... When you buy a Professional Indemnity insurance ...

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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 ... ). What is Professional Indemnity Insurance? Professional Indemnity Insurance is a form of ... Thinking About Professional Indemnity Insurance? Professional Indemnity Insurance forms the largest percentage ...

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Additional Cover for Professional Indemnity Insurance

... Fernando for his certificates of insurance - it's just part of ... ... I definitely would recommend it.” Public liability protects businesses from bodily injury ... options to her professional indemnity insurance. Lynn purchased public and products ...

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Business Insurance

... best. And you can include Public Liability Insurance to ensure you are not ... not quite go to plan. Public Liability Building & Contents Glass Tax ...

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BizCover Disrupts Insurance by Commoditising it

... read the BRW article. Self-proclaimed insurance industry disrupter BizCover is trying ... by letting newcomers to the insurance sector, such as Coles ... Traditionally sold through brokers, commercial insurance is ­historically a high-touch, person ... outright. BizCover provides general advice and assistance through the insurance buy and ...

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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 ... is advisable that you have general business insurance in order to protect ... should have adequate professional indemnity insurance coverage against financial losses caused ...

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BizInsure Capitalizes on the Paradigm Shift in Commercial Insurance!

... www.bizinsure.com), a leading-edge online insurance model that connects independent professionals ... critical Professional Liability (E&O) insurance< ... BizInsure (www.bizinsure.com), a leading-edge online insurance model that connects independent professionals ... to critical Professional Liability (E&O) insurance solutions. With unprecedented convenience, reliability ...

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Insurance For handyman

... mishaps can go on! Thankfully, Public Liability insurance is there to protect you ... you can protect them with General Property cover. It covers your ...

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Insurance For electricians

... back a couple of grand. Public Liability insurance is something every responsible electrician ... without them? Protecting them with General Property cover will ensure you're ...

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Insurance For cleaners

... list could be endless. Thankfully, Public Liability insurance is there to protect you ... you can protect it with General Property cover. It covers your ...

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Insurance For architects

... arising from your past work. Public Liability Do you need it? The ... clients, contractors and the general public. Public Liability insurance is an essential form of ...

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Insurance For engineers

... compensation awarded to your client. Public Liability Unless you set up shop ... clients, contractors and the general public. Public Liability insurance is an essential form of ...

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Insurance For tradesmen

... ? Most commonly Tradies purchase a Public Liability Insurance policy which covers them to ... also to your company's reputation. Public liability insurance will protect you and your ...

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Insurance For personal trainers

... working in public outdoor spaces. Public Liability insurance will protect you from financial ... hold a minimum amount of Public Liability insurance? Or if you work outdoors ...

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Insurance For mobile food vans

... is covered. Did you Know? Public Liability Insurance: The average level of cover ... 10 million dollars. Insurance for Mobile Food Vans Public Liability As you move ...

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Insurance For retailers

... tenant to have both Public Liability insurance and Glass insurance before signing a lease. ... interested party on the insurance policy. Insurance for Retailers Public Liability Public Liability insurance is one of ...

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Reviews related to general public liability insurance

  • 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

  • Easy very fast and efficient, 1st timer on public liability insurance

    Les K
    Door Or Window Wholesaling

  • seems easy enough to obtain our public liability. Hopefully we are fully covered now.

    Natalie R
    Commercial Cleaning Services

  • Bizcover makes professional insurance easy. Good selection of insurance varieties and options. Easy to review, change and renew. Competitive rates.

    Darren J
    Real Estate Agency Service

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Get the cover that's right for your business

With BizCover you can choose policies from 3 levels of cover, $5 million, $10 million and $20 million.

Policies are usually tailored to individual businesses. Each business will require a different amount of cover and when deciding on how much cover you should have you should think about the following factors:

  • Do any of your contracts require a minimum level of cover?
  • Has your industry body set a minimum level of cover for membership?
  • Does your business or trade license require a minimum amount of cover?
  • Do the terms of your lease require a minimum level of cover?
  • Finally think about what your level of risk and exposure could be. What kind of accidents could occur and what could be the potential cost of a claim?