... the client data you may storing and the consequences if your systems were compromised. A cyber liability insurance policy is designed to help protect you from claims and support your profitability in the event of a ...
read moreA 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 ... a very safe option to assure you are covered in the event that someone files suit against you. Professional Indemnity Insurance works by insuring you the cost of a claim made that is equal to your client's monetary loss ...
read more... a wide variety of IT services. Also, more and more companies require independent contractors to hold Professional Indemnity insurance before being considered for a contract. Public Liability Chances are you spend most ...
read more... a wide variety of IT services. Also, more and more companies require independent contractors to hold Professional Indemnity insurance before being considered for a contract. Public Liability Chances are you spend most ...
read more... ). It is also becoming a more common requirement for independent contractors to hold and maintain their own Professional Indemnity insurance policies. Public Liability Insurance* Chances are you spend most of your time ...
read more... he would have been personally responsible for paying these costs. ^QLD Electrical contractor insurance requirement sourced from ESO (2016, August 19th) worksafe.qld.gov.au/licensing-and-registrations/electrical-licences ...
read more... leading-edge online insurance model that connects independent professionals and small businesses ... to critical Professional Liability (E&O) insurance for independent professionals and small businesses. Our online model (made mainstream by the personal auto ...
read moreBuying any insurance, can be a confusing and ... to getting your Professional Indemnity Insurance, it can be even more ... ... t understand the technical terms, speak to an insurance professional who can help you understand the meaning. ... to you arising from the actions of the contractor or subcontractor. 7.Is Professional Indemnity Enough? Once ...
read more... is it worth risking all the blood, sweat and tears by not having the right Management Liability insurance in place? Independent feedback from our customers rated our service at excellent. Download Management Liability ...
read more... error or omission. Particularly if you perform part-time independent or contract work, or any type of voluntary work that ... or a series of claims during the period of insurance add up to and exhaust the specified Limit of ...
read more... business, even if you can't reduce all of the stress. Independent feedback from our customers rated our service at excellent. *As with any insurance, cover will be subject to the terms, conditions and exclusions ...
read more... damage whilst you are doing business. Excellence in Customer Service Independent feedback from our customers rated our service at excellent. Download Business Insurance Fact Sheet Get the cover that is right for you ...
read more... protection for you while you help your clients. Whether you a sole trader, contractor or carer possibly as part of the National Disability Insurance Scheme (NDIS), you could be exposed to risks which may result in a ...
read more... are a variety of business insurance [] ... . Market stall-holders– A minimum level of Public Liability insurance is often required when having a stall at a market ... trainer who provides training services as a sub-contractor at a gym. A client attending an exercise ...
read more... the right kind of business insurances in place. Regardless [] ... ... in place. Regardless if you are self-employed, a sole trader or a contractor, there are business insurance options to suit your business and its needs. Let's take a look at what is often one of the most important ...
read more... that the claims professional indemnity insurance covers are only the experiences ... ... that if anything happens that causes them a loss, your insurance will pay for it. Such an example may be that you area private consultant and the contractor made an error in numbers causing your client a financial loss ...
read more... about what kinds of business insurance coverage you may need to ... ... 's important to think about what kinds of business insurance coverage you may need to help ensure it is ... working on a job or project. Issues with sub-contractors or lengthy delays with construction due to bad weather, ...
read moreKnow you need business insurance but aren't sure how ... while and looking to buy insurance for the first time; there ... ... on: do you employ any staff, or rely on contractors or suppliers? The resources you rely on: what utilities, ... work due to an accident or illness? 2. What types of insurance do I need? Now that you have a fair idea of ...
read morePublic liability insurance covers your business for losses ... . Failure in obtaining public liability insurance policy can expose a business ... ... interact with public space (construction, parks etc.), or welcome visitors and sub-contractors should check to see whether there is public liability insurance is in place first. In the trades industry, there may also be ...
read more... a professional, considering Professional Indemnity insurance to protect* you and your ... ... a duty of care for the network of clients, contractors, other consultants and members of the public involved. One ... engineers, there's no one size fits all insurance solution because every business is different and no two ...
read more... wrong. This is where business insurance comes into play and should ... . The process of arranging your insurance can feel overwhelming at times . ... up and running, so without your business assets, how are you going to earn an income? Having suitable business insurance in place can help safeguard your business for when things don't go to plan and for when you need ...
read more... yourself and your company with insurance is a smart investment. Land ... ... to a cyber attack or breach of information where the land surveyor may be held accountable. A Cyber Liability insurance policy is designed to help protect you from claims and support your profitability in the event of a ...
read more... is Small Business Insurance. But what kind of insurance do you actually ... ... of a salon owner who has a shop front. However, one thing's for certain, and that is, finding the right insurance is an essential part of managing the risks involved in operating your business. And let's face it - all ...
read more... equipment, stock, plant and machinery, records and furniture belonging to you at the insured location. Building* - This insurance will cover for loss and damage to buildings you own, as a result of an insured event (such ...
read moreMore larger businesses with simple insurance needs are using BizCover for ... their insurance, while smaller businesses benefit from ... this quarter ... decline that began 12 months ago. The increase can be attributed to more demand for Business Contents insurance particularly from businesses with an annual turnover greater than $400,000. Cover for contents in the Trades ...
read more... reductions on their Public Liability insurance, while prices have remained steady ... ... its highest in five years and transport costs increasing steadily. The increase did not affect the cost of insurance for small businesses on the BizCover platform as prices dropped to the lowest point in 24 months. The ...
read more... you have the right business insurance. When it comes to insuring ... ... it can feel like there is an overwhelming choice of policies and policy options to choose from. Why do I need insurance for my food business? Whether you are serving up fancy dishes in a restaurant, coffees in a café or ...
read more... of arranging your yoga teacher insurance go. As a yogi or ... business. Let us centre your insurance chakra by exploring some of ... Breathe in, breathe out, and let a wave of calm wash over, letting the stress of arranging your yoga teacher insurance go. As a yogi or yogini, you don't have time to be worrying about having the right cover in place to ...
read more... to customers about managing their health and wellbeing. That's why it is important to ensure you have the right insurances in place to protect your business when things take an unexpected turn for the worst. Our ...
read more... piece of our Business Insurance for the self-employed ... Accident and Illness insurance and Cyber Liability insurance. We share ... is Personal ... at work. He required surgery and time off work to recover following his injury. His Personal Accident and Illness insurance provided a weekly benefit of $1,700 a week for a period of six months. The total policy benefit ...
read more... in the world of business insurance, it can feel like you ... guide on all things Business Insurance for the self-employed. In ... back to basics ... a call from the Australian Tax Office (ATO) requesting an audit is enough to make you panic. Tax Audit Insurance covers a business for specified costs if the ATO selects it for auditing. The policy covers the costs of ...
read moreNavigating the world of business insurance can be confusing which is ... created a guide to business insurance for the self-employed that ... and outs ... which is why we've made it our mission to make it a bit easier. We've created a guide to business insurance for the self-employed that profiles the main types of cover to consider and how it can protect you for the long ...
read more... and your assets with business insurance. However, figuring out exactly what ... 's why a group of insurance industry [] ... in the market, only those listed on our website. We act as agent of the insurer in respect of any insurance policy purchased through us and not as your agent. Any advice provided is general advice only and does not take ...
read more... price increases in the business insurance market, SMEs are continuing to ... the cost of business insurance, the BizCover SME Insurance Price ... Retail & Hospitality. Whilst all three groups saw have seen no increases in the overall prices for their insurance, there have been changes within product groups and industries. The Full Report can be viewed here. Trades ...
read more... expanded their general insurance offering to include business insurance, through a partnership ... , Australia's leading small business insurance ... to medium (SME) business owners a full end-to-end online service to compare most of their business insurance needs, with policies available from some of Australia's leading insurers. SME customers will have the option of ...
read moreIf your insurance is due for renewal or ... a health check of your insurance to ensure that if the ... ... wanting to do a general review of your business, it's worth taking time to do a health check of your insurance to ensure that if the unthinkable happens and your business is hit by a major event, you not only have the ...
read more... Professional Indemnity and Public Liability insurance. #1 Protection against claims of ... ... modality/modalities, with a minimum of $2 million coverage (each claim). You must show proof of your insurance by providing a copy of your policy or certificate of currency, including the modalities covered and insured ...
read more... advisable that you have professional insurance, which can also be referred ... to as professional indemnity insurance. Professionals are expected ... , which can be filed against them by their clients. It is advisable that you have general business insurance in order to protect you from financial losses caused by property damage or bodily injury. In addition to ...
read more... to make Professional Indemnity Insurance simple (also known as ... errors and omissions insurance, PI or Professional Indemnity ... is Professional ... 't know if they are getting the best deal. This is where BizCover steps in to satisfy your Professional Indemnity Insurance needs. BizCover allows you to get live online quotes in under 2 minutes, and purchase in only a ...
read moreBizCover's SME Insurance Price Index has unveiled a ... the COVID-19 pandemic with insurance rates remaining flat for a ... acquired from BizCover's ... year and fell a further seven per cent this quarter,” he said. “Key sections of business pack insurance that are frequently used by retailers such Contents, Glass and Theft all showed noticeable price declines. “The ...
read more... of a Professional Indemnity (PI) insurance policy is calculated and why ... the cost of Professional Indemnity insurance. Insurance policy pricing ... than another? We look some of the key factors that that impact the cost of Professional Indemnity insurance. Insurance policy pricing is generally calculated on risk factors and put simply, the higher the level of risks ...
read moreWhen looking for Business Insurance, most small business owners typically ... ... make themselves welcome. Glass cover is often an option that can be taken out as part of your Business Insurance policy. In some cases may even be a requirement by your landlord. It not only covers repair or replacement ...
read moreInsurers hold on to SME Insurance Premium Price Increases! Despite a ... BizCover Small Business Insurance Price Index has shown insurance rates ... Director of BizCover commented “While there is still an abundance of capacity and fierce competition in the insurance market, insurers have managed to hold onto their rate increases from last quarter. I suspect given the ...
read moreGetting the insurance sorted for your small business ... , compare quotes and buy the insurance that suits your business. But ... not know about small ... to review and update your coverage every year. No doubt your business is on the move and changing and so your insurance needs will also be changing and you'll want to make sure you have a policy that covers your business ...
read moreThe Quarterly BizCover Small Business Insurance Index has shown that Australian ... enjoyed the end of declining insurance premiums with an increase of ... increase of 5 points in the second quarter of FY2015/2016, the first increase seen in 10 quarters. This brings the insurance rates back to the same level as Q4 2013/14 (6 quarters ago). It should be noted that rates are ...
read more... & Cafes Why do Restaurants & Cafes need it? Take a minute to sit back, relax and look at our menu of insurance options for your business. What's more, you don't need to shop around to find the best cover solutions. With ...
read more... by not having the right insurance in place? Read on to ... ... cover with the right limits in advance. Some industry bodies will require you to have your own Public Liability insurance policy before being able to join Cover your bits Your tools of trade are vital to getting the job ...
read more... 'What limit of Professional Indemnity insurance do I need?' While this ... ... a good idea to contact the association and check whether there is a minimum limit of Professional Indemnity Insurance you are required to maintain to comply with their compliance requirements. They may also be able to ...
read more... your customers with Public Liability insurance. It offers protection should a ... ... and the policy features. There are many options for small business owners when it comes to shopping and choosing insurance policies. Gone are the days of having to ring around and wait for days for the brokers to get ...
read moreThe BizCover Small Business Insurance Price Index is indicating ... market for small business insurance continues to benefit from ... stability in insurances prices have increased. A trend driven by continued competition, as well as capacity in the market. This has ...
read more... Fernando for his certificates of insurance - it's just part ... ... claiming a product caused them a personal injury or property damage, it is vulnerable to costly legal action. PI Insurance protects small businesses from this type of action. Unlike Hish, Lynn's clients don't ask to see ...
read more... , try to make a sale out of a day of grieving, or trying to jump on a politically charged bandwagon. The insurance will cover your costs of PR to rebuild your brand, costs of loss of sales and other costs in the case of ...
read moreInsurance Premiums for Retailers Continue to ... The latest BizCover Small Business Insurance Price Index has been released ... an increase in small ... 1), and similar to quarter 2 of last financial year, the index is showing an increase in small business insurance rates, with the index rising 3 points over last quarter. This increase however is not universal. Graph 1 ...
read more... 'lock up' operations. Business interruption insurance can provide both peace of ... ... of business is affected, you'll need to ask yourself two very important questions. Do I have Business Interruption insurance? And, are both the property and the cause of the event included in the coverage? If the answer ...
read more... yourself is with professional indemnity insurance. This type of policy provides ... ... so you can find the right cover at the right price. BizCover is the best way to get immediate insurance protection, and because everything is online, there's no messy paperwork involved. To find out more, go to bizcover ...
read more... yourself is with professional indemnity insurance. This type of policy provides ... ... so you can find the right cover at the right price. BizCover is the best way to get immediate insurance protection, and because everything is online, there's no messy paperwork involved. To find out more, go to bizcover ...
read moreIn January, our Managing Director Michael Gottlieb was interviewed by Insurance Business magazine, giving his outlook on 2014. Insurance Business - The In January, our Managing Director Michael Gottlieb was interviewed by Insurance Business magazine, giving his outlook on 2014. Insurance Business - The Year Ahead
read more... successful in taking out the Insurance Business Brokerage of the Year ... ... the broking world, and not just because his Mega Capital business was successful in taking out the Insurance Business Brokerage of the Year award and featured in the Deloitte Technology Fast 50 Australia ranking for the ...
read more... , the latest BizCover Small Business Insurance Index is showing little change ... ... has been talking about hardening rates over the last few months, the latest BizCover Small Business Insurance Index is showing little change, with prices again remaining steady at 80 points. Despite industry predictions ...
read more... . Whilst you've got the insurance to help you out, you ... ... and have a big impact on the running of your business and your bottom line. Whilst you've got the insurance to help you out, you'd ultimately rather avoid the disruption to your business that these unexpected events can ...
read more... ; however the BizCover Small Business Insurance Price Index for the first ... ... they have remain flat over the quarter (Graph 1). A win for small businesses! Prices across all insurance classes were stable across the quarter, and this was reflected across most industries as well. The retail industry ...
read moreProfessional indemnity insurance is handcrafted to provide coverage ... ... any potential policy holder needs to consider when deciding upon whether or not they should buy professional indemnity insurance is the potential financial loss that can occur as a result of legal fees whether or not you ...
read more... each policy if you use the code SMART50 and a dedicated point of contact to help you with any insurance questions you might have. BizCover works for you by: Compare multiple providers and buy your policy online in just ...
read more... hat better than a member of the Village People? There's now a revolutionary solution; Professional Attire Insurance, that covers you for any damage to your professional uniform, offering a rapid replacement service for ...
read more... Fencing Contractor Earthmoving Contracting Labouring – Contract Carpentry Services Plasterer Commercial Air Conditioner Installation and Repair We know, sometimes you just want a quick idea of how much your insurance ...
read more... (and costs) can be severe. Professional Indemnity insurance is designed to provide your business with a solid ... rectification and construction delay costs. An independent engineering expert identified that the engineer ...
read more... stop dealing with an organisation if their data was breached. Independent feedback from our customers rated our service at excellent. Download Cyber Liability Insurance Fact Sheet Get the cover that is right for you ...
read more... career or possibly drain your assets. Thankfully, Professional Indemnity insurance is there to give you peace of mind if you ... if you perform full-time, part-time, independent or contract work. It may also be required ...
read more... usually cover 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 ...
read more... is important to keep your business fighting fit. In fact, it's likely that Public Liability insurance is required if you operate as a contractor to a gym or fitness studio, or to obtain a council permit to operate your ...
read more... also to your business's reputation. Are you a contractor? Consider your contractual obligations which may require carrying a minimum level of Public Liability insurance before you set boots on the job. Public Liability ...
read more... company's reputation. If you're working as a contractor, you should also consider your contractual obligations to carry a minimum amount of Public Liability insurance. You may also be required to hold Public Liability ...
read more... 's licence. It may also be a requirement under a government or private client contract, or as part of a lease agreement for renting a commercial property. Do I need Public Liability Insurance if I have a home-based ...
read moreDoes 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 ... in death from traumatic injury. If you are a self-employed small business owner or a contractor, Personal Accident and Illness insurance is an important type of cover to consider especially if you are not protected by ...
read more... of another person or organisation, even though they were not directly responsible for the damage or injury caused. For example an employer can sometimes be held vicariously liable for the acts of a worker or contractor.
read more... an arm and a leg! Do I really need Professional Indemnity Insurance? If you're getting paid for your professional advice or ... or services to a business or individual Contractors looking to work for the government and ...
read more... , as a civil engineer you will likely be having regular contact with clients, contractors and members of the public. Public Liability insurance is designed to provide protection* for you and your business in the event a ...
read more... answer 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 ...
read moreThe 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 ... cover 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 ...
read more... architects, IT contractors, management consultants, real estate agents and other allied health professionals. Even professional photographers should consider holding Professional Indemnity insurance. By analysing ...
read more... lifting when it comes to arranging your business insurance, providing competitive quotes online or over the phone in minutes. Did you know? If your business hires sub-contractors, take the time to check that they have ...
read more... other people while doing business in any way you should consider Public Liability insurance. For example:^ Consultants/Contractors/ Tradespeople who work from home or visit their clients' premises Businesses that have ...
read moreRunning 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 ... large organisation they may stipulate that you have certain insurance to work for them. For example handymen are often ... and driver's license details of 500 on-hired contractors had been stolen. They were able to claim $ ...
read more... such a 'hand's–on–job' you are likely to be in regular contact with clients, contractors and the general public. Public Liability insurance is typically an important form of cover for engineers and is designed to provide ...
read moreMany businesses think their business is too small to attract cyber criminals. Yet, when it comes to cyber theft, size doesn't matter. Hackers are on the lookout for businesses ... account and drivers license details of 500 on-hired contractors were stolen. Or the Accounting firm, which had ... information, you need it. Isn't my other insurance cover enough? Take time to review your current policies ...
read more... is helping others find their inner balance and calmness, but you should also make sure you have the right insurance in place in case it all goes downward dog! One of the many benefits of teaching yoga is having ...
read more... own salon, rent a space in a beauty or hair salon or provide a mobile makeup service, makeup artist insurance is the foundation to ensuring your small business doesn't go belly-up if something else does. Did you Know ...
read more... is even perceived to go wrong. That's why as a martial arts teacher, making sure you have the right insurance in place to protect your business is one of the most important decisions you will need to make to keep your ...
read more... without the bull. Did you know? If you are a tenant it is usually a requirement to hold Public Liability insurance and Glass cover before signing a lease. Your landlord may also need to be noted as an interested party on ...
read more... While you're in the business of providing expert advice to your clients, we're in the business of providing insurance options to keep you protected. Whether you're an expert at balancing the books or the creator of the ...
read more... self employed may require will vary according to the profession and the industry they operate in. For example, the insurance needs of a handyman are not likely to be the same as those of a real estate agent. Both operate ...
read more... based on NSW BizCover customers Most popular cover options taken out by food businesses Like retailers, Public Liability insurance is the most popular cover options taken out by 96% of food businesses, as this is one of ...
read more... of action temporarily due to an event such as a fire, would you still be able to earn an income? Cyber Insurance* Consider the client data you are storing and the implication on your business if there was a breach of ...
read more... visit you, or you are getting your dose of vitamin D by heading out to meet them, Public Liability insurance is important to your business. It is designed to provide protection for you and your marketing business in the ...
read more... think of that puddle of oil on the floor you forgot to clean up). Having the right Public Liability insurance gives you peace of mind and financial protection for when your business needs it most. Remember, if you have ...
read more... or personal information you may be storing and the consequences if it were to be compromised. Cyber Liability insurance helps to protect you from claims and supports your profitability in the event of a cyber breach or ...
read more... , so you can get back to doing what you love. Did you Know? Laser hair removal is a standard insurance exclusion. That means if you are performing laser hair removal, you will typically have to apply to have this ...
read more... contained on this webpage is general only and should not be relied upon as advice. Claims Scenarios An insurance broker was a victim of a cyber attack when a malicious code was installed on their website, which ...
read more... hit with a few unwanted challenges that could leave you severely out of pocket. Business Insurance* is an insurance package designed to provide cover for your business, contents, stock, tools and commercial premises when ...
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I have played phone tag with several brokers and insurance providers...what a relief to finally find a simple online service.
Paul C Cunningham
Consultancy Occupations
You offer game-changing results for your clients; we offer a game-changing way to get your insurance. With just a few clicks or a phone call, you’ll get multiple competitive quotes from some of Australia’s leading insurers. Select your preferred policy and you’ll be covered instantly, so you can continue running your business.
If you’re a consultant working as a sole-trader you are personally responsible, both legally and financially, for all aspects of your business. In other words, there is a potential for you to have enormous liability exposure, which may affect your personal assets if things go wrong.
There are literally hundreds of different consulting professions, yet all are required to provide a professional service or specialist advice. Professional Indemnity insurance is designed to protect you from losses claimed by clients that are incurred as a result of your actual or alleged negligence or omission in the provision of your professional service or advice.
Your Professional Indemnity policy, will cover the award of compensation payable to a third party together with your defence costs (which can include legal fees, investigator fees and expert fees)
Examples of some of the many consultancies who can take out Professional Indemnity Insurance through BizCover include:
^Accurate as at September 2019
Public Liability insurance is a no brainer for all types of consultancy services. Public Liability insurance is designed to provide protection for you and your business in the event a customer, supplier or a member of the public are injured or sustain property damage as a result of your negligent business activities.
Meeting with your clients, either at your office or if you visit them at their premises, means you’ll be exposed to potential mishaps and accidents – think of a client tripping over at your premises or if in the excitement of presenting your proposal at their office you knock over that expensive art work.
Your clients bring in your income, but where would you be without your business assets?
Business Insurance is an insurance package designed to provide cover for your business contents, stock, tools and commercial premises when an insured event occurs (such as fire, storm, theft or even accidental damage). A Business Insurance package can also cover your portable equipment, glass and for loss of revenue due to business interruption in specified circumstances. In addition, cover is available for public liability, tax audit, employment practices and statutory liability risks.
Consider the client data you may storing and the consequences if your systems were compromised.
A cyber liability insurance policy is designed to help protect you from claims and support your profitability in the event of a cyber breach or attack. Costs associated with defending a cyber claim are also covered. Examples of the types of risks Cyber Liability insurance can assist with are inadvertent loss or release of customer personal information, cyber crime, cyber extortion/ransomware and business interruption due to a cyber event.
| *As with any insurance, cover will be subject to the terms, conditions and exclusions contained in the policy document. The information contained on this webpage is general only and should not be relied upon as advice. |
