... are a variety of business insurance [] ... self-employed workers need to consider Public Liability insurance? Here are a few examples of when a self-employed worker may require Public Liability insurance ... training services as a sub-contractor at a gym. A client ...
read more... the most common types of insurances for tradies, but do you ... and outs of Public Liability insurance and what you need to ... . So what is Public ... t quite go plan. As a tradie, it can even be a contractual requirement that you have Public Liability insurance in place well before picking up the tools and putting boots on site. Always check the level of cover that ...
read morePublic Liability insurance. It's one of those ... ... of cover. Understanding the nitty-gritty can save you in the long run, so don't be afraid to ask your insurance agent what certain features and benefits are if you are unsure. At BizCover we want to make getting your ...
read moreJust 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 ... says nothing could be worth that amount of anguish. “If I had been responsible and set my business up with the insurance I needed, it would have been a very different story for me,” Janine says from her new home in South ...
read more... the right kind of business insurances in place. Regardless [] ... ... can be done easily with the right kind of business insurances 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 ...
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 ... of these resulting 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 ...
read moreSo easy. Being self employed, the efficiency was so satisfying unlike some companies having endless documents to fill out. Thank you!--Camilla B--Personal Fitness Trainer/Service
read more... in the world of business insurance, it can feel like you ... on all things Business Insurance for the self-employed. In Part 3 of ... back ... . To make life easier, we've done the translating for you and created a simple, comprehensive guide on all things Business Insurance for the self-employed. In Part 3 of our guide, we go back to basics with Business ...
read more... piece of our Business Insurance for the self-employed guide, we take a ... look at Personal Accident and Illness insurance ... Liability ... guide, we take a look at Personal Accident and Illness insurance and Cyber Liability insurance. We share the ins and outs of why self-employed workers need to consider these forms of cover. What is Personal Accident ...
read moreNavigating the world of business insurance can be confusing which is ... a guide to business insurance for the self-employed that profiles the ... 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 run. In ...
read more... of the key types of cover most sole traders and those who are self employed need to consider is Public Liability insurance. Public Liability insurance* is designed to provide protection for you and your business in the ...
read moreEasy--Robbie C--Contract Chef - Self Employed
read more... your company Personal Accident & Illness* When you're self-employed, you need to make sure you have protection for ... sickness/illness cover as part of your personal accident insurance you may be able to claim if you are ...
read more... a contract or step on site. Personal Accident & Illness insurance* Nobody really has the time to get sick or injure themselves, especially when you're self-employed, but accidents can and do happen. Have you taken the ...
read moreNeed some new tunes to get through the work from home grind? From onehit wonders to lullaby remakes of Snoop Dogg, these are the hits Aussie small businesses workers ... of OHS Compliance Solutions is enjoying The Dead South's, “In hell, I'll be in good company.” Self–employed digital marketing obsessed Sheridan James gets through the day with the classic one-hit-wonder My Sharona by ...
read moreCabinet makers are woodworkers that specialize in designing and making built-in or customized cabinets. They also design and manufacture fine wood furniture that accompanies ... or commercial facilities. If they opt for becoming self-employed, they can work out of their garage, or ... lit, and ventilated for health and safety concerns. Insurance for cabinet makers is also available. What is ...
read moreWhen it comes to building and creating quality pieces of craftsmanship, cabinet makers know a thing or two. This highly skilled trade involves having an eye for detail ... risks every day. Having the right types of insurance in place to protect your cabinet making business ... would you bring home the bacon, especially if you are self-employed? With no paid sick days, the struggle of being off ...
read more... for yourself. If you are self-employed you also need to consider ... ... for you to work for yourself. If you are self-employed you also need to consider how to protect yourself ... these risks and have combined the two covers into one insurance package. So you can choose to get one policy rather ...
read moreThere 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 ... are accidentally lost, damaged or stolen (from a locked premises or vehicle). Personal Accident and Illness Insurance Being self-employed brings many benefits, but a downside is not receiving any sick pay when you’re ...
read moreWhether you're running your own business as a small team or flying solo in the freelance world, one thing is for sure, the creative arts industry is anything but boring ... a good idea a crack, which I love”. For self-employed stills photographer Monica Pronk she finds the 'ebb and flow ... it may be a requirement to hold Public Liability insurance before you can perform in public spaces. For ...
read more... tail, we asked him what insurances he has in place to ... ... to be out of action as the Easter Bunny, and my back up plan is my Personal Accident and Illness insurance. Being self-employed means, I cannot afford not to have an income stream, as the bills won't stop rolling in. How ...
read more... Know? If you're a consultant working as a sole-trader you are personally responsible, both legally and financially, ... your systems were compromised. A cyber liability insurance policy is designed to help protect you from ...
read more... to those required by a sole-trader business operating within the professional services industry. One of the most common questions asked by business owners is: “How much does Business Insurance cost?” This is a difficult ...
read more... problems; we'll help your liability problems with business insurance. At BizCover, a few clicks or one call ... . Did you Know? If you operate as a sole-trader you are personally responsible, both legally and financially, ...
read more... jif! Did you know If you operate as a sole-trader you may be personally responsible, both legally and financially, ... to pieces - the list could be endless. Business Insurance* If you rely on your own cleaning equipment to ...
read moreBizcover makes professional insurance easy. Good selection of insurance varieties and options. Easy to review, change and renew. Competitive rates.--Darren J--Real Estate Agency Service
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 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... 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 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... 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 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... 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 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 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... 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... 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... clients buck the trend of insurance price hikes. Whilst the Australian ... the availability and pricing of insurance for SMEs, BizCover can report ... , there were some clear winners and some losers. The Full Report can be viewed here: SME Insurance Price Index Public Liability insurance is an essential cover for SME's and one that most can't afford to operate without ...
read more... damage a third-party's property or if your baking tools were to be stolen. This is where business insurance comes into play and provides the peace of mind you need with cover that can protect your bakery business ...
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... you hold covered? Do you rely on electronic equipment/or specialist machinery to get your work done? Cyber Insurance* Consider the client data you are storing and if there was a breach of confidentiality by your system ...
read moreWhat 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 ... ill as a direct result of their job. Any business with employees are required to have WC How you buy insurance can save you time and money Shopping around to compare what's covered is an important part of the process ...
read more... injury or property damage as a result of a product defect can be expensive, and without the right Product Liability insurance you could find yourself in hot water. If you operate as a sole trader, you will potentially be ...
read more... safeguard your business for when things go wrong and you need it most. Some of the types of Business Insurance coverages to consider include: Contents and stock* - Cover for loss of or damage to items such as business ...
read more... do Pizza Shops need it? Take a moment to think about what you would do if your pizza shop didn't have insurance in place. Do you have enough spare dough to get it back up and running while trying to recover from a claim ...
read more... unexpectedly fall ill or suffer an injury, how would you keep the cash flowing? Personal Accident and Illness insurance provides a safe guard when disaster strikes at work and will also cover you when you've downed the ...
read more... of a Professional Indemnity (PI) insurance policy is calculated and why ... the cost of Professional Indemnity insurance. Insurance policy pricing ... that impact the cost of Professional Indemnity insurance. Insurance policy pricing is generally calculated on ... , your work load and the number of people you employ. While growing your business is exciting and a good ...
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 moreKnow you need business insurance but aren't sure how ... while and looking to buy insurance for the first time; there ... ... The people you rely on: do you employ any staff, or rely on contractors or suppliers? The resources you rely on ... work due to an accident or illness? 2. What types of insurance do I need? Now that you have a fair idea of ...
read moreMore larger businesses with simple insurance needs are using BizCover for ... their insurance, while smaller businesses benefit from ... this quarter ... be attributed to more demand for Business Contents insurance particularly from businesses with an annual turnover ... the switch to BizCover and are able to self-serve to obtain highly competitive pricing and fast, efficient ...
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... 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... .com), a leading-edge online insurance model that connects independent professionals ... critical Professional Liability (E&O) insurance solutions ... revenues under 2.5 million dollars) have not had many alternatives when it came to buying business insurance. BizInsure has entered this space to satisfy the needs of this important and growing market; small business ...
read moreWhat’s included & what’s not?Get the right coverCould this happen to you? What is Management Liability Insurance?* Everyone loves a surprise, except when you are a company director. If you own or are involved in 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 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... 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 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 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... 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... 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... 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... 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 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 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... 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... services of an external accountant or similar professional and their fees can be substantial. With the right Tax Audit insurance in place, you can at least minimise the cost of an audit to your business, even if you can ...
read more... riskiest for you. Pick and choose the cover options that suit you best. And you can include Public Liability Insurance to ensure you are not financially responsible for the costs of a legal claim should a third party get ...
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 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... 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... . 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 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 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 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... 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... , 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 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... Even if you are covered under your employer's insurance policy there is no guarantee that you will be ... one claim or a series of claims during the period of insurance add up to and exhaust the specified Limit of Indemnity, ...
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... '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... 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... 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... regular contact with clients, contractors and the general public. Public Liability insurance is designed to provide ... construction of the self-storage facility, it was discovered that only 198 self-storage units would be ...
read moreAs much as we like to hope otherwise, unexpected events happen! Things can go dreadfully wrong despite the best efforts we take to prevent them and the simplest of setbacks ... , in late 2015 a junior therapist who he had recently employed, failed to replace the non-slip mats in one of ... safeguard against them by making sure you have the right insurance policies in place. It's also a wise idea to ...
read more... ,000 businesses across many occupations, each of which employed 10 people or less) during Financial Year 2018/ ... public. It is important to note that each insurance company assesses risk in different ways. What one insurer ...
read more... contractors, management consultants, real estate agents and other allied health professionals. Even professional photographers should consider holding Professional Indemnity insurance ... of staff you employ; the higher the ...
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... 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 visiting ...
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... Contractor Automotive Servicing – General Mechanical Repairs Electrician/Electrical Contractor ... insurance. Here’s a full breakdown: *Data based on NSW BizCover customers Does the number of people I employ affect ...
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 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 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... 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 ...
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