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Things you didn't know about small business insurance

Getting the insurance sorted for your small business can be pretty straightforward, jump ... quotes and buy the insurance that suits your business ... business liabilities or property. If you work from home, your home and contents insurance ... million dollar claim. However your business insurance may cover personal items If ...

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Business Interruption Insurance: Your 'Get Out of Jail Free' Card

... cripple your business and effectively 'lock up' operations. Business interruption insurance can provide ... most. Australia may be ... to bring a business to its knees. Business interruption insurance is designed to ... operated by you anywhere in Australia away from your location. Restoration ...

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Dishing up the facts on food business insurance

... whether you have the right business insurance. When it comes to insuring ... your small food business, sometimes it can feel like ... ... your overall business insurance plan. What types of insurance should food businesses consider? Public ... an insured interruption to the business. Business Insurance offers a range of cover ...

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5 Surprising Things Business Insurance Can Cover

When looking for Business Insurance, most small business owners typically worry about covering ... most risks that a small business faces? Have When looking for Business Insurance, most small business owners typically worry about covering ... out as part of your Business Insurance policy.  In some cases may ...

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The Risky Business of Insurance

... Real Costs to Australian Small Business? Small business owners tend to ... and future planning. Managing business risk and ensuring ... the Real Costs to Australian Small Business? Small business owners tend to be ... small businesses are uninsured or underinsured and the Insurance Council of Australia estimates ...

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The Easter Bunny's Guide to Business Insurance

... consumed around the world. In Australia alone close to $200 million ... denying that Easter is big business. In the Easter game, the ... ... in stop working? Within a Business Insurance pack the Easter Bunny would ... were to suddenly lose their Australian contract they would be losing ...

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Common Small Business Insurance Claims and How to Prevent them.

If you are a small business owner you know that things ... your business and your bottom line.  Whilst you've got the insurance to ... ... of the most common BizCover Business Insurance customer claims, and tips on ... occurs often, especially in turbulent Australian weather. Many properties face the ...

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Business Insurance

... to ensure you'll be in business tomorrow. Business Insurance can provide financial cover ... Trusted by over 55,000 Australian Businesses

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6 Areas You May Not Have Thought Business Insurance Covers

... it's vital to protect your business assets and revenue against potential ... risks that may impact your business, such as fire, storms, theft .. ... other cover options offered through Business Insurance if you make a claim ... Money Did you know your Business Insurance policy can also provide cover ...

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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 ... the best value on your business insurance. Cover yourself up! Check your ... having enough insurance could mean the difference between staying in business or ...

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A Guide to PI Insurance

... is to make Professional Indemnity Insurance simple (also known as ... errors and omissions insurance, PI or Professional Indemnity). ... Professional ... Professional Indemnity Insurance? Professional Indemnity Insurance is a form of business insurance for ... Indemnity Insurance? Professional Indemnity Insurance forms the largest percentage of your business insurance ...

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Latest Small Business Buddy Winner: Evermore Memories

...   Latest Winner of Bizcover.com.au 'Small Business Buddy Program' Evermore Memories, a ... new unique business based in Geelong Victoria, is . ...   Latest Winner of Bizcover.com.au 'Small Business Buddy Program' Evermore Memories, a ... for a camera. BizCover, Australia's leading online business insurance service, started the $2000 ...

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Steady as she goes - still no increases in Insurance Premiums!

... that the market for small business insurance continues to benefit from stability ... in insurance prices, with little movement in ... of the few ... in the last BizCover Small Business Insurance Price Index. “Insurers have managed ... hitting the east coast of Australia and challenger brands winning a ...

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7 Types of Insurance Your Small Business Should Consider

If you own a small business, there's no denying one the ... assets is Small Business Insurance. But what kind of insurance do you actually ... ... for your profession. Professional Indemnity Insurance explained. Business Insurance Business Insurance often comes as a ... small businesses being subjected to random tax audits by The Australian Taxation ...

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Small Business Continues to Win on Insurance Prices!

... , prices remain flat for small business. Recent financial results from the ... increase; however the BizCover Small Business Insurance Price Index ... increase; however the BizCover Small Business Insurance Price Index for the first ... and capacity currently in the Australian market. Michael Gottlieb, Managing Director ...

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

Know you need business insurance but aren't sure how to ... up a new business or have been in business for a while ... and looking to buy insurance ... due to your business activities Professional Indemnity insurance protects businesses that provide a ... legal action taken against them Business Insurance provides protection for material damage ...

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Insurance Premiums for Retailers Continue to Climb

... Climb The latest BizCover Small Business Insurance Price Index has been released ... showing an increase in small business insurance rates, with ... Climb The latest BizCover Small Business Insurance Price Index has been released ... showing an increase in small business insurance rates, with the index rising ...

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Keep calm and stretch on with Yoga Teacher insurance

... of arranging your yoga teacher insurance go.  As a yogi or ... to protect your business. Let us centre your insurance chakra by exploring ... Cover as part of a Business Insurance pack to protect your valuable ... know? Yoga Australia recommends the following minimum levels of insurance cover for ...

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Is your Small Business Summer Proof?

Summer in Australia is a great time of ... challenges and risks every small business should be aware of. Complete ... ... you get your Business Insurance you also cover for Business Interruption which can ... days. Fiery Situations Another common Australian peril of the hot summer ...

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Protect your business with Statutory Liability Cover

... different types of insurance policies available to small businesses to protect against ... However, many business owners are unaware that ... and features of Statutory Liability insurance. Australia and the law There are ... Statutory Liability option* to your Business Insurance policy can help cover: Monetary ...

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5 Common Beauty Insurance Claims

... a devastating effect on your business. We take a look at ... ... a small business in these kinds of situations. Disaster strikes Australia is ... displayed on it. “Thankfully my Business Insurance policy included building and contents ...

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Lifestyle Tradie Group trades up; next Small Business Buddy Winner

... latest $2000 Small Business Buddy Wish from BizCover Insurance. Mona Vale, May ... latest winners of BizCover's Small Business Buddy Wishes ... latest $2000 Small Business Buddy Wish from BizCover Insurance. Mona Vale, May ... , an online Business Insurance service that has partnered with Australia's leading insurers to ...

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5 Tips for an Insurance Health Check

If your insurance is due for renewal or ... a general review of your business, it's worth taking time to ... your insurance to ensure that if ... workplace or at another location. Business Insurance Tailored cover to protect your ... , claim not to have Business Interruption Insurance. (Vero SME Insurance Index,2016) 3. ...

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Business Interruption

... to bring the business to its knees. Business interruption insurance is designed to ... premises were being repaired, Business Interruption insurance would generally cover relocation costs ...

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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 ... damaged, destroyed or even stolen? Business Insurance provides tailored protection for your ... show more than 20% of Australian businesses experience some form of cybercrime ...

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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 ... decide what other special insurances your business needs. The little things might ... This is about more than Business Interruption insurance, which covers lost income ...

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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 ... venturing down the path of business ... been granting wishes of small businesses around Australia since 2014 with their ... more traditional methods of buying insurance,” said BizCover Founder and Managing ...

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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 ... ... iconic Australian brand, you'll need to ensure you have the correct insurance ... to protect you and your business against the financial risk in ...

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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 ... down the price of professional/business insurance for Australian SMEs. Since the start ... with capital chasing returns in insurance.” The Professional Indemnity rates reduced ...

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Big Bunny Business: An Interview with the Easter Bunny

... insurances he has in place to protect his very successful chocolate business. ... ... insurances he has in place to protect his very successful chocolate business. ... my Personal Accident and Illness insurance. Being self-employed means, I cannot ...

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Insurance Considerations for Personal Trainers

... to protect yourself and your business from the […] ... to protect yourself and your business from the different risks that ... of risk consider public liability insurance which will provide financial protection ...

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Childers Local wins the latest Small Business Buddy Grant

... HAND TO CHILDERS LOCAL PET BUSINESS Meet the latest winner of ... the Bizcover $60,000 ‘Small Business Buddy Program’ Grant Queensland ... years have embraced our online insurance services over more traditional methods ... of buying insurance. Having someone literally change their business capacity overnight ...

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5 Money Saving tips for Small Business

Most small business owners are conscious of their ... out or have been in business a while, you'll want to ... make the most of your business ... right financial services for your business. Many business owners will often just ... card, bank account or insurance for their business.  It may be that ...

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Young Penrith Entrepreneur Recognised in National Grant Competition

... as one of the top businesses in the area at the ... Penrith Local Business Awards and won the BizCover ... “BizGiver Business Grant ... this grant program, is Australia's top online business insurance serviceand revolutionised the industry ... finally allowing small businesses to quickly compare multiple business insurance quotes for free ...

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Pure Flowers wins the latest BizGiver

... FLORIST HAS WON BIZCOVER'S $2000 BUSINESS GRANT AND WILL NOW BE ... ... in nearly every type of business across Australia, it's inspiring to see ... Flowers reach success.” BizCover, Australia's leading online business insurance service, started the grant ...

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ET Circus is the latest winner of the BizGiver Grant

... Circus, a much loved entertainment business in the sunshine coast community ... ... their BizGiver grant. BizCover, Australia's leading online business insurance service, started the grant ... in nearly every type of business across Australia, it's inspiring to see ...

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Creative Agency, Hustle Workshop is the latest BizGiver Winner

... of bizcover.com.au $2,000 small business grant has been announced. Hustle ... win the $2000 BizGiver Small Business Grant, receiving a new top . ... coveted BizGiver Small Business Grant. BizCover, Australia's leading online business insurance service, started the ... these individual and very unique businesses like Hustle Workshop be successful ...

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'Children of Night Markets' wins the latest BizGiver

PHILANTHROPIC ORGANISATION HELPING YOUNG CHILDREN RECEIVES THEIR OWN HELPING HAND. “Children of the Night Markets”, have won the coveted BizGiver $2000 grant ... BizGiver competition, started by Australia's leading online business insurance service BizCover, grants the ... wish of a small business of ...

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Jobs Shared wins the latest BizGiver Grant

THE LATEST WINNER OF BIZGIVER $2000 GRANT HAS BEEN NAMED AS JOBS SHARED, THE INNOVATIVE NEW JOB SHARING EMPLOYMENT SERVICE. After Simone McLaughlin had her first child ... in nearly every type of business across Australia, it's inspiring to see ... Shared reach success.” BizCover, Australia's leading online business insurance service, started the grant ...

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When it Rains it Pours: Understanding Flood Cover.

When it comes to Business Insurance, understanding what's included and excluded ... ... building, contents and/or stock a Business Insurance policy usually comes with some ... Product Disclosure Statement(PDS).: Flood: Australian regulations have a standard definition ...

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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 ... is especially ... is especially the case with Business Insurance options like Portable Equipment and ... insurance provides repair or replacement for accidental loss or damage to business ...

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Despite Insurers Talk, Premiums Won't Walk

... Talk, Premiums Won't Walk… SME Insurance Premiums Stay Flat Over the ... 5 quarters the BizCover Small Business Insurance Price Index (Graph ... 5 quarters the BizCover Small Business Insurance Price Index (Graph 1) has ... property related insurance which is more commonly bought by those businesses with ...

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Kate Owen Gallery wins BizGiver Grant

... WINS BIZCOVER'S 24TH $2000 SMALL BUSINESS GRANT AND WILL RECEIVE A ... area, and throughout Australia, for its contemporary Indigenous Australian ... area, and throughout Australia, for its contemporary Indigenous Australian art for modern ... BizGiver initiative, started by BizCover Business Insurance, has given away over $45 ...

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A Close Shave with Underinsurance

Just as your business is growing and changing it’ ... make sure that your Insurance grows with your business and you're not ... large number ... large number of small businesses in Australia are underinsured and many don't ... like any good business owner, covered her business with Business Insurance. For the next ...

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Preparing your store for the holiday season ahead

... an important time for retail businesses. It can provide a much ... to protect your customers, your business, and your assets. Take safety ... ... to protect your business against fire and other perils. Australia is well ... to protect your business, which includes having sufficient Business Insurance coverage to provide ...

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Pet Stays, becomes the 32nd BizGiver winner

... 32nd Winner of BizCover Insurance's BizGiver $2000 Small Business Grant, winning an ... ... 32nd Winner of BizCover Insurance's BizGiver $2000 Small Business Grant, winning an ... a network of pet-sitters across Australia. “I needed a purpose with ...

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Customer Spotlight - Lucid 8 Unisex Apparel

... customer Laura Vogt and her business Lucid 8 Unisex Apparel. Laura ... apparel store Lucid 8, is home to an array of creative ... ... factories or sewing studios across Australia and around the world. “The ... leading catalysts which propelled my business into popularity,” When asked what ...

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BizGiver finds it's latest winner in Wild Forage

... crowned; Wild Forage, a small business supplying seasonal wild edible plants ... portable fridge, critical to their business. Wild Forage is bringing ... to drop off produce at home to be chilled before going ... the small business community, who have embraced our online insurance services over ...

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International Coffee Day Customer Spotlight: 3Elements Coffee

3Elements Coffee is an Australian Veteran-owned and run coffee company ... them establish their own coffee business, retail outlet, mobile coffee ... ... the Royal Australian Navy, was inspired to start the business to help ... coffee and beans and be home to their practical Veteran employee ...

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Being financially prepared for Bushfire Season

... Areas stretching from south-eastern South Australia to the north of Rockhampton ... the south-western corner of Western Australia, are [†... Areas stretching from south-eastern South Australia to the north of Rockhampton ... a good time for businesses to check their insurance to ensure they ...

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Customer Spotlight: Sara Hemphill Naturopath

... , a flourishing Naturopath from Western Australia. “When you have your health ... of Sara Hemphill, a Western Australian based Naturopath. It ... , a flourishing Naturopath from Western Australia. “When you have your health ... to eat properly. Today her business expertise has grown to include ...

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Year of the Dog- Customer Spotlight: Paws & Claws Adoption

... works tirelessly to find a home for rescued animals. Started in ... 2014 as a Home Rescue Service, Paws & Claws ... ... in South Australia dedicated to caring for and finding “furever” homes for ... call their 'furever' home. An interim foster home ensures animals are kept ...

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Professional Indemnity Claims: when should I notify my insurer?

Your Professional Indemnity (PI) insurance is no doubt one of ... covers you have for your business. If things don't quite go ... action taken against ... action taken against your business. Like all insurance policies, there are several ... providing negligent advice in both Australia and overseas, he failed to ...

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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 ... and robust insurance plan for his business. “I believe all businesses should be ...

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10-Year Customer Spotlight: Circul8

... , says she first started the business […] ... a large part of our business.” This emphasis on innovation has ... International, Cancer Council Australia and Horticulture Innovation Australia - just to name ...

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Customer Spotlight: PerfEx Consulting

... as starting his own successful business PerfEx […] ... as starting his own successful business PerfEx Consulting. PerfEx Consulting is ... lucky I am to come home to them at the end ...

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Customer Spotlight: Tirol Sports

... one of our wintery small businesses, Tirol Sports. Some of the ... ... skier, learnt to ski in Australia and then spent several ski ... returning to Australia to start Tirol Sports. He started the business as ...

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Theft

... you know? According to the Australian Government's Institute of Criminology, there ... and designs if shown on Insurance Certificate Books and stationary Fixtures ...

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Electronic Equipment

... reasonably incurred Express freight within Australia by any recognised freight service ... Things to consider Is your business reliant on computers or other ...

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Glass

... of The Standards Association of Australia. Insurers may not repair or ... put financial pressure on your business? Does your lease or rental ...

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Goods in Transit

... operated by you anywhere in Australia. Did you know? In the ... consider Are you in the business of buying and selling items ...

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Scooter & Jinx wins BizGiver Grant

... WINS THE BIZGIVER $2000 SMALL BUSINESS GRANT. Tucked away in Little ... ... of the tastiest toasties in Australia. “I would fly from Perth ... wish of the winning small business every season. Since it's inception ...

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Customer Spotlight: Sunshine Confectionery Outlet

... our customers who's in the business of appealing to our sweet ... Willy Wonka to rethink his business model, Stuart and Denise Mulholland ... ... expanded since they started the business, Sunshine Confectionery has made their ... , as well as offering delivery Australia wide. They have received rave ...

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Why having an office inventory list is essential.

... kind of thing that gets business owners excited, that is until ... comes to claim on your insurance. When you're filling out your ... ... kind of thing that gets business owners excited, that is until ... comes to claim on your insurance. When you're filling out your ...

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Building

Building insurance covers the cost of repairing or rebuilding the business premises (that ... insurance is generally applicable if you are the owner of the business ...

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Employee Dishonesty

... the amount specified on the insurance certificate. Insurers will usually accept ... and money-handling operations of the business transparent enough to reveal any ...

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Portable Equipment

... identified and valued on your insurance certificate, including: Mobile plant Photographic ... the equipment could put your business under financial stress? Is your ...

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Machinery Breakdown

... machine referred to on your insurance certificate that suffers insured damage ... the period of insurance. Things to consider Is your business reliant on ...

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Money

... covers money belonging to your business that is lost, stolen or ... Things to consider Does your business hold large sums of money ...

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Statutory Liability

... investigations or inquiries against your business as a result of innocent ... Things to consider Is your business at risk of breaching any ...

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Customer Spotlight: Cazeil Creative

... Cazeil Creative, a versatile photography business from the Blue Mountains. The ... ... Cazeil Creative, a versatile photography business from the Blue Mountains. The ... weddings and international events. “My Business was only weeks old when ...

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Customer Spotlight: MetaPeople

HR Business, MetaPeople has a great origin ... career management company with a business partner. Then, on an outback ... ... career management company with a business partner. Then, on an outback ... what they do and supporting businesses to achieve great things with ...

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World Entrepreneurs' Day Customer Spotlight: Voula's Kitchen

... in the world of small business. Today, on World Entrepreneurs' Day ... many unique customers and their business! Steph and Katie run Voula's ... ... in the world of small business. Today, on World Entrepreneurs' Day ... many unique customers and their business! Steph and Katie run Voula's ...

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We Bar None wins the 36th BizGiver Grant

The latest winner of the BizGiver grant is Ellen Burns, owner of We Bar None. Based in Ballarat, We Bar None promotes better living with its wide array of health-conscious ... transition to using her new home compostable packaging. “Winning the BizGiver ... the first business in Victoria - and the third in Australia - ...

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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 ... Being Brands from her own home.  Only 2 years later, using ... , that makes their insurance a must. “As a business, we are involved ...

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NEIS Customer Spotlight - HerbiDoor

For some, life shows no signs of slowing down. Even the simple task of preparing and cooking meals is quickly becoming a laborious task - so it's no wonder that meal ... surely helped out the growing business. HerbiDoor has also received countless ... to come home and get started on back of house business activities. ...

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Sto Lat Restaurant & Café wins the BizGiver grant

Conveniently located in Ashfield, the heart of the Inner West, is the latest recipient of the BizGiver grant, the Sto Lat Restaurant and Café! The restaurant specialises ... codeshare arrangements from Warsaw to Australia and New Zealand. Eleonora cites ... reduce their environmental impact and business expenses. They wished for new ...

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Customer Spotlight: Yummy Dogs

There are good dogs and bad dogs. Eight years in, and Yummy Dogs founder Olaf is slowly but surely weeding out the rogues with a fresh dedication to quality hot dogs ... years, the business has worked for many of Australia's big brands (including ... quite a bad reputation in Australia. Sausages were the bland, red-skinned ...

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Get the cover that is right for you

Your business may be considered 'small' but it's big to you and big to us. That's why we want to make sure you have the right protection. We offer various cover options to suit a variety of businesses.  Take a few minutes to consider some of the following risk areas and think about which ones impact you and how much cover your business would need should things not quite go to plan.