How much does Public Liability Insurance Cost?

... to find out the cost for your business is to simply get an instant online quote. What is the average monthly premium for Public Liability insurance? On average, small business owners can expect to pay around $63.53per ...

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Public Liability Insurance in Perth

... small businesses in Perth pay $33.80**per month for a Public Liability insurance policy. Public Liability insurance is one of the most popular types of insurance for businesses. In fact, it is likely to be very important ...

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Public Liability Insurance in Rockhampton

... , efficient & friendly. Very happy, thank you.” Mark A., Mining Engineer What does Public Liability insurance cover? Public Liability insurance covers claims for personal injury suffered by a third party (such as a ...

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Public Liability Insurance in Mandurah

... who was not pushy, but helpful and happy.” Mishelle O. Retail What does Public Liability insurance cover? Public Liability insurance covers claims for personal injury suffered by a third party (such as a customer ...

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Public Liability Insurance in Hobart

... , small businesses in Hobart around $29.30**per month for a Public Liability insurance policy. Public Liability insurance is one of the most popular types of insurance for businesses. In fact, it is likely to be very ...

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Public Liability Insurance in Darwin

... but also uncomplicated. With appreciation and gratitude.” Kelly K. Homeopath What does Public Liability insurance cover? Public Liability insurance covers claims for personal injury suffered by a third party (such as a ...

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Public Liability Insurance in Brisbane

... hours and valuable time. Job well done.” Michael R. Engineering Consultant What does Public Liability insurance cover? Public Liability insurance covers claims for personal injury suffered by a third party (such as a ...

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Public Liability Insurance in Adelaide

... small businesses in Adelaide pay around $37.50**per month for a Public Liability insurance policy. Public Liability insurance is one of the most popular types of insurance for businesses. In fact, it is likely to be very ...

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Public Liability Insurance in Port Macquarie

... made the whole transaction quick and smooth. ” Mark T., Moulding manufacturer What does Public Liability insurance cover? Public Liability insurance covers claims for personal injury suffered by a third party (such as a ...

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What is Public Liability Insurance?

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

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How much Public Liability insurance do I need?

... to you. Many business contracts will include a minimum amount of Public Liability insurance to be in place -stipulating the amount of Public Liability insurance you are required to have to comply with the terms of the ...

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Public Liability

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

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What does Public Liability insurance cover?

... means you could well end up paying for the claim straight from your back pocket. Bear in mind that Public Liability insurance is designed for all types of businesses, not just those who work in an office or have a ...

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What is Product Liability Insurance?

... parties relating to property damage or personal injury caused by your products. Product Liability insurance usually forms part of a Public Liability policy and the word 'product' will be a defined term in the policy ...

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Public Liability Insurance Scenario

Just imagine: A phone call out of the blue. The caller has a voice you don't recognise. He's telling you he is hurt - badly - and you're responsible. You hang up. He ... steps to cover your business against accidents is a relatively simple process. Purchasing public liability insurance online, where quotes are instant and transparent, is a prudent choice for small business and one that ...

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Cyber Liability Insurance

... and get the right cover for your business.i Cyber Liability insurance* is designed to help protect you from claims and support ... the data breach. The cost of hiring a Public Relations firm to assist the insured with re- ...

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

... business and your customers with Public Liability insurance. It offers protection should a ... , or even member of the public, sue your business for ... as it sounds, accidents happen. If you don't have Public Liability insurance you face the risk of being out of pocket for hefty ... to hold a minimum of $5 million PL insurance in order to secure a plumbing license. There ...

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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 ... your business and as such is advisable to have public liability insurance. Legal Requirement for Public Liability Insurance Although public liability insurance is not a statutory requirement, most small to medium ...

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Public Liability NSW

... ! The last thing you want to think about is paying for unexpected accidents – they do happen! Public Liability insurance is designed to provide protection for you and your business in the event a customer, supplier or a ...

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Public Liability QLD

... a small business operating in the Trades & Service industry in Queensland can expect to pay for Public Liability insurance is around $84.03 per month. There are a variety of occupations classified within this industry ...

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Public Liability WA

... tripping on a box you didn't put away or your employee damaged a client's antique property? A Public Liability insurance policy will help give you peace of mind. We know, sometimes you just want a quick idea of how ...

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What Tradies Need to Know About Public Liability Insurance

... the most common types of insurances for tradies, but do you ... the ins and outs of Public Liability insurance and what you need to ... bits. So ... and what you need to know, without the boring bits. So what is Public Liability insurance? In a nutshell, Public Liability insurance* is there to protect you and your business if a customer, supplier or member ...

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Do I need Public Liability insurance?

... 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 business? Running your business from home can bring a whole host of ...

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5 Things to Consider When Buying Public Liability Insurance

Public Liability insurance. It's one of those ... for your business? Not all Public Liability policies are the same and ... ... Each State and Territory has its own set of laws when it comes to legal requirements for holding Public Liability insurance. For some trade professions, it may be mandatory to have a policy in place before you can obtain ...

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Public Liability Insurance for Cabinet Makers

... the right kind of business insurances in place. Regardless [] ... ... under a contract or as a condition of entry to a worksite. If so, make sure you have your Public Liability insurance policy sorted before you pick up the tools and that you have the right level of cover required. What ...

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Public Liability PPC

... you can protect your business against claims that are made for personal injury or property damage. Public Liability Insurance does just that. It covers the expense of legal and defence costs; court attendance costs; and ...

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The Risks of Growing Your Small Business

The only strategy that is guaranteed to fail is not taking risks. Mark Zuckerberg There comes a time when every successful enterprise needs to ditch the baby steps, ... care of themselves, but the primary insurances - public liability and professional indemnity - are crucial. ... Can You Do? Insure your legal liability! Public Liability (or 'PL') covers claims against personal injury or ...

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Insurance Premiums for Retailers Continue to Climb

Insurance Premiums for Retailers Continue to ... The latest BizCover Small Business Insurance Price Index has been released ... an increase in small ... Insurance Price Index (Financial Year 2017 2nd Quarter) There was no change in the Professional Indemnity sector, but the index for Public Liability ... prices. Graph 2 – BizCover PL/BizPack Retail Index (Financial Year 2017 ...

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PI Index: Premiums Decline 10 Straight Quarters

Business Insurance Premiums Decline 10 Straight Quarters, ... healthy competition in the business insurance market. The BizCover Small Business ... ... competition in the business insurance market. The BizCover Small Business Insurance Index has shown premiums ... groups, Combined Professional Indemnity/Public Liability and Public Liability/Business Packs are not seeing ...

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The Risky Business of Insurance

What are the Real Costs to Australian Small Business? Small business owners tend to be juggling many balls - managing clients, cash flow, staff, stock and future planning ... “must have” insurance: Public Liability– protects against legal and court costs in the event that someone is injured, or has their property damaged while you are providing a service to them. Every business should have PL ...

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Business Insurance Guide for the Self-Employed - Part 1

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

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Who is Covered Under an IT Liability Policy?

Information Technology Insurance Professionals in the information technology sector face potential liabilities from ... ... between consultants and clients requiring these insurances in addition to professional indemnity. The benefit of having professional indemnity, products liability and public liability contained in the same policy is ...

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Insurance for Landscapers

... property, there is always a chance for things to go belly up. That's where Public Liability insurance comes into play. Public Liability protects you and your business in the event a customer, supplier or a member of the ...

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Insurance for Disability Workers

... closely with your clients and members of the public, making Public Liability insurance an important type of insurance for disability support workers. Public Liability insurance is designed to provide protection for you ...

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Insurance for Hair & Beauty Services

... with the legal costs associated with responding to or managing claims which are covered by your policy. Public Liability Insurance* Whether you work from your own salon or you provide a mobile service, you're always in ...

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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 ... ... It's wise to consider insuring your assets, your revenue, and your liabilities. Public Liability Insurance Every business should consider Public Liability Insurance - even home-based businesses. It covers you and your ...

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Insurance for Handymen

... a bone or two; you knock over your client's expensive antique vase - the list of potential mishaps can go on! Public Liability insurance is designed to cover legal fees and compensation costs if a customer, member of the ...

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Insurance for Tradesmen

... a pile of rubble, you're not going to be able to talk your way out of a Public Liability claim. Public Liability insurance is designed to provide protection for you and your business in the event a customer, supplier or ...

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Insurance for Massage & Alternative Therapies

... at another location, you're always working closely with them, making Public Liability insurance an important form of cover. Public Liability insurance is designed to provide protection for you and your business in the ...

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Insurance for Car Wash and Auto Detailers

... trip over a piece of your equipment to trigger a claim. That’s where Public Liability insurance comes into play. Public Liability insurance is designed to protect your business in the event a customer, supplier or a ...

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Insurance for Carpenters

... the fees charged by you to complete the job. Insurance for Carpenters Public Liability One of the basic types of insurance carpenters need to consider is Public Liability insurance*. It provides cover for legal fees and ...

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Insurance for Cafes

... dining at your café to suppliers delivering stock. The reality is accidents can and do happen. Public Liability insurance is designed to provide protection for you and your business in the event a customer, supplier or ...

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Insurance for Painters

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

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Beauty to go! What Mobile make-up artists need to know about insurance

There are some obvious pros to working as a mobile freelance make-up artist - you have control over the hours you work, you get to work with a wide range of clientele ... on a client's carpet causing damage to their property, for a claim to be made. Fear not, Public Liability insurance can help clean up the mess by covering your legal defence costs and compensation awarded to the claimant ...

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Keep calm and stretch on with Yoga Teacher insurance

... of arranging your yoga teacher insurance go. As a yogi or ... business. Let us centre your insurance chakra by exploring some of ... ... you go about your business, there is always the risk of an accident happening, and that's why Public Liability insurance is equally important for yoga teachers. If a student (or perhaps even a tradie doing some work for ...

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Insurance for Architects

... finishing up but which are notified to you after the doors have closed. Public Liability Insurance* Do you need Public Liability insurance? The short answer is probably yes. Chances are you'll have regular contact ...

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Insurance for Consultants

... Consultant ^Accurate as at September 2019 Public Liability Insurance* Public Liability insurance is a no brainer for all types of consultancy services. Public Liability insurance is designed to provide protection for ...

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Insurance for Allied Health Professionals

... hospital, you are always in close contact with them, making Public Liability insurance important for allied health professionals. Public Liability insurance is designed to provide protection for you and your business in ...

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Insurance for Electricians

... resulting in an electrician testing their own work. Get the cover that’s right for your electrician business Public Liability Insurance* Let's be honest, there's a lot that can go wrong. No matter how good you are ...

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Insurance for Retailers

... party on the insurance policy. Insurance for Retailers Public Liability Insurance* Public Liability insurance is an important type of insurance cover for retail shop owners. Public Liability insurance is designed to ...

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Insurance for Pet Professionals

... your control could cause injury to a member of the public and trigger a claim. That's where Public Liability insurance comes into play. Public Liability insurance* is designed to provide protection for you and your ...

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Insurance for Plumber

... found on the Victorian Building Authority website. Insurance for Plumbers Public Liability One of the first types of business insurance to consider is Public Liability insurance*. It is designed to provide protection for ...

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Insurance for Butcher Shops

... , 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 ...

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Insurance for Yoga Teachers

... your reputation - peace of mind for you and your business without having to bend over backwards. Public Liability Insurance* Working closely with your clients can also put you at risk of personal injury claims meaning ...

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Insurance for Furniture Manufacturers

... wrong. This is where business insurance comes into play and should ... . The process of arranging your insurance can feel overwhelming at times . ... feel overwhelming at times, with many types of cover available in the insurance marketplace. From Public Liability cover to a variety of business insurances, in this article we explain some of the key things furniture ...

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Insurance for Gift Shops

... part of a commercial lease agreement Insurance for Gift Shops Public Liability Insurance* If you operate through a shop, you want customers in your store. Public Liability insurance is designed to provide protection for ...

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Insurance for Psychologists

... to or managing claims which are covered by the policy. Public Liability Insurance* Considering you work closely with your clients; Public Liability insurance is an easy choice. for psychologists. It provides protection ...

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Insurance for Social Workers

... the legal costs associated with responding to or managing claims which are covered by the policy. Public Liability Public Liability insurance* is an easy choice for social workers. Whether you are out visiting clients in ...

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Insurance for Restaurants

... happen in a restaurant environment. You should consider protecting your business with Public Liability insurance. Public Liability insurance is designed to provide protection for you and your restaurant business in the ...

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Insurance for Civil Engineers- what you need to know

... about what kinds of business insurance coverage you may need to ... ... that offer protection for different types of risks. Public Liability insurance Civil Engineers should also consider Public Liability insurance. Public Liability insurance is designed to provide protection* for you and ...

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Insurance for Bakers

... out glass cover. Insurance for bakers Public Liability Accidents can easily occur in a bakery which makes Public Liability an important type of insurance to consider. Public Liability insurance is designed to provide ...

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Insurance for IT Professionals

... 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 visiting your client's offices ...

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Insurance for Furniture Manufacturers

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

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Insurance for Personal Trainers

... costs associated with responding to or managing claims which are covered by the policy. Public Liability Insurance* Public Liability insurance is important to keep your business fighting fit.  In fact, it's likely that ...

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Insurance for Mobile Food Vans

... van means you are always on the go, exposing your business to a number of Public Liability risks. Public Liability insurance is important for mobile food van businesses, providing protection for you and your business in ...

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Insurance for Dog Walkers

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

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Insurance for Plasterers

... in the policy wording. Insurance for plasterers Public Liability Insurance* Protecting your business with Public Liability insurance is a concrete decision. Public Liability insurance is designed to provide protection ...

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Do I need insurance for my market stall?

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

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How much does Business Insurance cost?

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

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Insurance for Recruitment Consultants

... with responding to or managing claims which are covered by your policy. Public Liability Insurance* Public Liability insurance is an easy choice for recruitment consultancy services. It is designed to provide ...

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Home Based Business Insurance

... shops Photographer Writers Web developer Insurance for Home Based Businesses Public Liability* One of the basic insurances to consider is Public Liability insurance. Public Liability insurance is designed to provide ...

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Insurance for Electrical Engineers

... 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 protection for ...

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Insurance for Land Surveyors

... legal costs associated with responding to or managing claims which are covered by the policy. Public Liability* Public Liability insurance is designed to provide protection for you and your business in the event a client ...

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Insurance for Professionals

... your defence costs (which can include legal costs, investigator costs and expert fees). Public Liability Insurance* Public Liability insurance can be an important form of cover for all types of professionals. It is ...

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Insurance for martial art teachers

... spend a lot of time with your clients - whether in a dojo or somewhere else. Either way, Public Liability insurance is important for martial arts trainers by providing protection for you and your business in the event a ...

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Dishing up the facts on food business insurance

... you have the right business insurance. When it comes to insuring ... ... personal care. Did you know? On average, restaurant and café owners pay approximately $75 per month for their Public Liability insurance policy. That's a wrap! No need to get into a jam when it comes to arranging ...

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Insurance for Finance & Mortgage Brokers

... Indemnity policies are available through BizCover that can meet the requirements of RG210. Public Liability* Public Liability insurance is a no-brainer for finance and mortgage brokers. Regular contact with your ...

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Insurance for Pizza Shops

... pizza shop is an environment where accidents can easily happen, making Public Liability an important form of insurance to consider. Public Liability insurance is designed to provide protection for you and your restaurant ...

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Insurance for Cleaners

... to affect your personal assets if things go wrong. Public Liability Insurance* Do you need it? The short answer is yes. Thankfully, Public Liability insurance is there to provide protection for you and your business ...

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Insurance for Cabinet Makers

... on your business. As a cabinet maker, one of the first insurances you may need to consider is Public Liability insurance. Public Liability insurance is designed to provide protection for you and your cabinet making ...

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Insurance for Lawn Mowing Services

... the job done, accidents can still happen, even on the smallest jobs. That's where Public Liability insurance comes into play, an essential insurance to protect your business for the legal fees and compensation costs if a ...

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Insurance for makeup artists

... daily basis the stakes are high that something could go wrong, which is why Public Liability insurance is an important form of insurance. It provides protection for you and your makeup artistry business in the event that ...

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What are the Insurance Options for Land Surveyors?

... yourself and your company with insurance is a smart investment. Land ... ... based on the size, scope, and type of land surveying projects your business uses. Public Liability Public Liability insurance is designed to provide protection for you and your business in the event a customer ...

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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 ... . But before you invite any external guests, make sure you have an active Public Liability insurance in place. Public Liability insurance is designed to protect your business from any risks which may arise from claims ...

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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 ... while and looking to buy insurance for the first time; there ... ... condition of your lease. Below is a summary of the key areas of cover available to businesses. Public Liability insurance covers against the legal costs for claims of injury or property damage to 3rd parties due to your ...

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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 ... the price of ... and those with capital chasing returns in insurance.” The Professional Indemnity rates reduced the most ... 38% lower than the base value only 3 years ago. Public Liability /Business Packs have not enjoyed as much of a drop ...

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Insurance for Nurses

... to disciplinary action as a result of your nursing activities. Public Liability Insurance* Considering how closely you have with your patients; Public Liability insurance is an easy choice for nurses. It is designed to ...

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Insurance for Restaurants & Cafes

... BizCover, you'll get multiple competitive quotes from leading insurers within minutes. Did you Know? Public Liability Insurance: The average level of cover our customers take for their restaurant and cafe business is 10 ...

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Insurance for Real Estate Agents

... assist with the legal costs associated with responding to or managing claims which are covered by the policy. Public Liability Insurance* It's likely that you have an office for your clients to visit and you are often ...

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Insurance for Marketing Consultants

... 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 ...

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Insurance for Civil Engineers

... assist with the legal costs associated with responding to or managing claims which are covered by the policy. Public Liability Insurance Whether you work on-site or in an office, as a civil engineer you will likely be ...

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Here’s the lowdown on Public Liability insurance*

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

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

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

 

Public Liability explained further…

Product Liability explained further…



Independent feedback from our customers rated our service at excellent.

What is typically included?**

Compensation for:

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

 

What is typically not covered?* 

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

 

Download Public Liability Fact Sheet

Your Cover Options 

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

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

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

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