1300 249 268 Call

Legal Requirement for Public Liability Insurance

Public liability insurance covers your business for losses or ... activities. Failure in obtaining public liability insurance policy can expose a business ... nature. What Does Public Liability Insurance Cover? Broadly, public liability insurance covers loss or damage to ... list as to what public liability insurance covers and a policy should be ...

read more

Public Liability Insurance

... policies from 3 levels of cover, $5 million, $10 million and ... Legal and defence costs Public Liability Insurance protects you and your business ...

read more

5 Surprising Things Business Insurance Can Cover

... for Business Insurance, most small business owners typically worry about covering the ... major things such as their legal liabilities and ... ensure you have your Public Liability cover in case a customer or ... an exceptionally prime target. Cyber Liability insurance is a 'must have' policy ...

read more

What is Public Liability Insurance

... business. With the right Public Liability cover, the insurance company will provide the ... injury, death or damage. Product Liability insurance covers you if any of these ...

read more

Public Liability Insurance

Just imagine: A phone call out of the blue. The caller has a voice you don't recognise. He's telling you he is hurt - badly - and you're responsible. You hang up. He ... What Janine needed was public liability insurance or insurance that protects you and ... 'what-if's' for small business, BizCover's insurance cover has taken some of the ...

read more

Product Liability Insurance

... property damage, Product Liability insurance will help to cover the cost of damages ... not negligent, Product Liability insurance will assist with covering the costs of defending ...

read more

Cyber Liability Insurance: the safety net small businesses need

It may have taken some time for the reality to hit, but the wider public is now starting to realise that hackers aren't just fictional brooding movie villains - they ... Liability insurance will help to reduce subsequent damage to your business by covering ... are generally included in Cyber Liability insurance are: · Business interruption costs · Data ...

read more

5 Reasons to love Personal Accident Cover

Personal Accident and Illness Insurance (IPA Cover)offers financial protection when you ... or sickness. A policy will cover your lost income while Personal Accident and Illness Insurance (IPA Cover)offers financial protection when you ... With IPA cover you'll pay lower premiums than similar life insurance or ...

read more

How the cost of Professional Indemnity insurance is calculated

... of a Professional Indemnity (PI) insurance policy is calculated and why ... the cost of Professional Indemnity insurance. Insurance policy pricing ... the cost of Professional Indemnity insurance. Insurance policy pricing is generally calculated ... when calculating which level of cover your business may need: Legislative ...

read more

Who is Covered Under an IT Liability Policy?

Information Technology Insurance Professionals in the information technology sector face potential liabilities from ... ... an IT Liability Policy? An IT Liability insurance policy typically will cover the following ... What do IT Liability policies provide cover for? IT Liability insurance provides cover for a ...

read more

The Remaining Risk: What Isn't Covered and Why it Matters

... most common issues with Business Insurance is that policy owners often ... being aware of what isn't covered should also be considered, […] ... property. Generally also includes Product liability cover. Professional Indemnity - Professional Indemnity ... you can work again. Cyber Liability Insurance – Cyber Liability Insurance protects against the expenses ...

read more

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

Know you need business insurance but aren't sure how to ... policy is right? How much cover is enough? Whether you're opening ... while and looking to ... key areas of cover available to businesses. Public Liability insurance covers against the legal ... theft of client information Management Liability insurance covers businesses and their directors personal ...

read more

Keep calm and stretch on with Yoga Teacher insurance

... of arranging your yoga teacher insurance go. As a yogi or ... cover in place to protect your business. Let us centre your insurance ... ... your studio floor, Public Liability insurance can cover the related costs to defend ... covered. Another added benefit of Public Liability insurance is that it extends to cover ...

read more

Dishing up the facts on food business insurance

... you have the right business insurance. When it comes to insuring ... ... be compulsory, for example, Public Liability insurance is often required when you ... Liability insurance is designed to protect your business against such claims by covering ...

read more

5 Tips for an Insurance Health Check

If your insurance is due for renewal or ... a health check of your insurance to ensure that if the ... not only have the right cover […] ... or at another location. Business Insurance Tailored cover to protect your building ... the level of your Public Liability insurance. Similarly, take into account any ...

read more

Things you didn't know about small business insurance

Getting the insurance sorted for your small business ... , compare quotes and buy the insurance that suits your business. But ... not know about small ... that your personal insurance may not cover your business liabilities or property. If ... home and contents insurance policy might not cover all the liabilities related to ...

read more

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 ... the foundations of Professional Liability insurance: What it typically covers: Damages and claimant ... the claimant. Public Liability insurance also extends to Product Liability cover which protects your ...

read more

The Easter Bunny's Guide to Business Insurance

Each year at Easter millions of kilograms of chocolate are purchased and consumed around the world. In Australia alone close to $200 million is spent on Easter chocolate ... legal battles. A Product Liability policy would cover him for any claim ... a Business Insurance pack the Easter Bunny would have cover for machinery ...

read more

New Year Insurance Health Check!

2016 is here! New Year is traditionally a time for people to make resolutions and plan for their year ahead. It's also a great time for business owners to take stock ... increasing the level of public liability insurance that you hold. Are there ... have the enough cover within your business insurance to cover any losses. Have ...

read more

Insurance for architects- the blueprint to success

The career of an architect is an exciting one, yet it's not one without risk. From the ground up, your responsibilities are skyscraper high. Beginning with the first ... claim occurring. Public Liability insurance is an essential form of cover to protect ... become a statistic.[i] Cyber Liability insurance provides essential financial protection if ...

read more

Insurance Considerations for Personal Trainers

Working as a personal trainer can be a rewarding career. Not only do you get to help your clients achieve their goals and transform their lifestyles, but it's also the ... public). To cover these types of risk consider public liability insurance which will ... Find Out More About Public Liability Insurance As a personal trainer you'll ...

read more

The Risky Business of Insurance

What are the Real Costs to Australian Small Business? Small business owners tend to be juggling many balls - managing clients, cash flow, staff, stock and future planning ... 'nice to have' insurance. Examples of “must have” insurance: Public Liability– protects against ... , transparent and competitive. Online insurance experts BizCover cover over 2,000 occupations ...

read more

5 Reasons To Review Your Business Insurance This Christmas

Christmas can be a busy (as well as stressful!) time for many small businesses. Come December the big Christmas countdown is on as people are busy preparing for the end ... Liability, and if you do have it, ensuring you have adequate cover. ... levels. Do you have Business Insurance to cover your stock and contents ...

read more

Getting the Best Value on Your Business Insurance

The new year is now in full swing, and if you're like some of us in this office, you will probably have resolved to be a bit smarter with your money in 2016 and perhaps ... on your business insurance. Cover yourself up! Check your insurance cover levels to see ... whether you have the right levels of cover. ...

read more

Comparing Portable Equipment & Electronic Equipment Cover

Business insurance isn't always straightforward, and sometimes ... the nitty-gritty to understand what insurance is being offered and which ... with ... with Business Insurance options like Portable Equipment and Electronic Equipment cover, so ... your insurance schedule. There are a couple of types of cover within ...

read more

When it Rains it Pours: Understanding Flood Cover.

When it comes to Business Insurance, understanding what's included and excluded ... when it comes to flood cover. But it doesn't need to ... explaining When it comes to Business Insurance, understanding what's included and excluded ... out cover for your building, contents and/or stock a Business Insurance policy ...

read more

Insurance Premiums for Retailers Continue to Climb

Insurance Premiums for Retailers Continue to ... The latest BizCover Small Business Insurance Price Index has been released ... an increase in small ... not universal. Graph 1 – BizCover Insurance Price Index (Financial Year 2017 ... massive 8 points for Public Liability and Business Packs, most other ...

read more

Small Business Insurance Price Index Q3

Insurers hold on to SME Insurance Premium Price Increases! Despite a ... BizCover Small Business Insurance Price Index has shown insurance rates ... BizCover Small Business Insurance Price Index has shown insurance rates dropping back ... , primarily around Public Liability and Business Packs (predominately covering perils and theft ...

read more

Small Business Continues to Win on Insurance Prices!

... ; however the BizCover Small Business Insurance Price Index for the first ... ... ; however the BizCover Small Business Insurance Price Index for the first ... small businesses! Prices across all insurance classes were stable across the ...

read more

Small Business Insurance: Why you might want to ensure you're covered!

Running a business can be rewarding, challenging but also stressful. While you will are taking control of your earning potential and the upside can be great, there are ... need for adequate insurance for your business . Is insurance mandatory for your ... at least $5 million public liability cover to secure work with real ...

read more

The bricks and mortar of building insurance cover- what you need to know

Your business property is like your home away from home and is the place where you work your magic. Whether you're in the business of providing expert advice to clients ... commercial property: Building Cover What is Building Cover? Building Insurance provides protection for ... of inoccupancy: Loss, damage or liability during any period in excess ...

read more

5 Common Beauty Insurance Claims

As much as we like to hope otherwise, unexpected events happen! Things can go dreadfully wrong despite the best efforts we take to prevent them – and the simplest of ... “Thankfully my Business Insurance policy included building and contents cover”, says Sarah. ... landlord to hold a Public Liability policy. I've always enforced strict ...

read more

Do I need insurance for my market stall?

From fresh food and irresistible treats to clothing, arts, crafts, and bric-a-brac, Australia has become spoiled for choice when it comes to markets. And with the festive ... wide range of potential risks. Insurance for market stall holders is ... types of cover - Public Liability and Product Liability. Public Liability Public Liability covers you for ...

read more

Personal Accident and Illness Insurance for Tradies

Does the thought of being off work for three months due to a major mishap with a nail gun horrify you? As far-fetched some accident stories may sound, the reality is ... Accident and Illness insurance is an important type of cover to consider ... Personal Accident Insurance today. Could you afford not to be covered? Resource ...

read more

Gold Coast Mobile Juice Business Gets a Boost

... , Australia's biggest online small business insurance provider . […] ... , Public Liability, Business Insurance, Management Liability and now Cyber Insurance. BizCover provides multiple insurance quotes ... select and purchase the right cover immediately. BizCover partners with leading ...

read more

A Close Shave with Underinsurance

... to make sure that your Insurance grows with your business and ... ... good business owner, covered her business with Business Insurance. For the next ... made. While her landlord’s insurance covered the repairs to the roof ...

read more

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 ... have an active Public Liability insurance in place. Public Liability insurance is designed to ... the venue has Public Liability cover in place to cover your employees and ...

read more

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 ... ? Insure your legal liability! Public Liability (or 'PL') covers claims against personal injury ... even a year. Consider Cyber Liability insurance, especially if your business relies ...

read more

Business Horror Stories

Running a business can be a wonderful rewarding experience, but sometimes things can go horribly wrong. THE ONLINE ONSLAUGHT We never believe it can happen to us, that ... down for good. A management liability insurance policy can be the only ... policy covered them. Business Insurance cover options such as Management Liability and Cyber Liability are ...

read more

Help Protect your small business' reputation

When it comes to running a small business, your brand and its reputation are priceless. No doubt you've spent countless hours establishing your name by building strong ... Regulatory Event or Investigation, Cyber Liability Insurance Can you imagine trying to ... benefit of Cyber Liability insurance is that it includes cover for the reasonable ...

read more

Preparing your store for the holiday season ahead

The holiday season is upon us, which is an important time for retail businesses. It can provide a much needed boost in sales, but on the flip side it can also mean an ... expenses. Ensure your Public Liability insurance policy has adequate cover to protect you ... and data. Therefore, a Cyber Liability insurance policy can act as your ...

read more

Keep cool and carry on - A summer survival guide for restaurants and cafés

Iced teas, tropical fruits, a cheeky ice cream – those signature flavours of summer are something you would be all too familiar with as a restaurant or café owner ... café business is with Public Liability insurance. It is designed to protect ... shopfront and other windows- Glass cover can cover the repair and replacement ...

read more

Is your Small Business Summer Proof?

Summer in Australia is a great time of year. There's a lot to enjoy, including plenty of public holidays, long days and great weather. But along with these great perks ... case scenarios. Glass Cover, under a Business Insurance Pack will cover your for ... by them, having the right insurance cover can mean that your business ...

read more

Triumph after Tragedy for QLD Fitness Trainer Latest Winner of Bizcover.com.au $60,000 'Small Business Buddy Program'

Latest Winner of Bizcover.com.au $60,000 'Small Business Buddy Program' Michelton resident Charlotte Hansen last week marked a major milestone when she went from cancer ... , Public Liability, Business Insurance, Management Liability and now Cyber Insurance. BizCover provides multiple insurance quotes ... select and purchase the right cover immediately. BizCover partners with leading ...

read more

Doggone Great! Local QLD Business Selected in the $60,000 'Small Business Buddy Program'

Small Business Buddy Winner! Local QLD Business Selected in the $60,000 'Small Business Buddy Program' Woofwatchers, a local dog grooming and pet caring business is ... , Public Liability, Business Insurance, Management Liability and now Cyber Insurance. BizCover provides multiple insurance quotes ... select and purchase the right cover immediately. BizCover partners with leading ...

read more

How to hire quality tradesmen for your small business with Oneflare

When hiring tradesmen for your small business, you don't have any room for error – so every tiny detail counts. It can be daunting and time-consuming sorting through ... look out for. Public Liability Insurance This is the most common ... make a claim on their insurance to cover the costs of the ...

read more

Managing Risk for Tradesmen

Running your own trade business or working as a contractor often means you're exposed to greater risk than many other business owners. There's always the potential for ... the right business insurance. Protect your livelihood Public Liability insurance is undoubtedly one ... of the most important forms of cover ...

read more

Professional Indemnity Claims: when should I notify my insurer?

... (PI) insurance is no doubt one of the most vital covers you ... against your business. Like all insurance policies, there are several important ... (PI) insurance is no doubt one of the most vital covers you ... , as you might inadvertently admit liability which can result in your ...

read more

Tips for making a Stress-Free Claim

Making an insurance claim can be stressful – but ... ... read your insurance policy's Product Disclosure Statement (aka PDS) cover to cover daunting ... policy covers you for, jump on the phone to your insurance agency. ...

read more

Professional Indemnity for Real Estate Agents

... Real Estate Industry Professional Indemnity Insurance provides essential financial protection against ... of $1 million Professional Indemnity Insurance ... Real Estate Industry Professional Indemnity Insurance provides essential financial protection against ... in the advertising material and liability on the real estate agent ...

read more

Small Business Index July 2015

SMEs benefiting from declining insurance rates but is the tide ... capacity and competition in the insurance market over the last few ... down the price ... Professional Indemnity & Public Liability and Public Liability /Business Packs. Michael Gottlieb ... with capital chasing returns in insurance.” The Professional Indemnity rates reduced ...

read more

Comparethemarket.com.au and BizCover Announce White Label Partnership

... online provider of small business insurance, having helped over 90,000 ... businesses compare and buy their insurance online. Their White Label solution ... businesses compare and buy their insurance online. Their White Label solution ... around for their business cover.” “BizCover have cover options for over 6 ...

read more

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 ... ... product groups, Combined Professional Indemnity/Public Liability and Public Liability/Business Packs are ... , the cost of Professional indemnity insurance for some Allied Health professionals ...

read more

BizCover partners with Energy Retailer CovaU

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

read more

BizCover wins dual accolades over two big nights

... experience in the Small Business Insurance space. On Tuesday night, BizCover ... award recognised the “Small Business Insurance […] ... experience in the Small Business Insurance space. On Tuesday night, BizCover ... award recognised the “Small Business Insurance Made Even Easier” campaign for ...

read more

Pet Stays, becomes the 32nd BizGiver winner

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

read more

Don't be a pork chop - insure your butcher shop

There's a lot at stake.. Think of all the hard work you have put into creating your butcher shop business starting with the early days as an apprentice to building up ... days, your insurance policy may cease to provide cover due to the ... Breakdown cover is available under a Business Insurance pack and provides cover for ...

read more

5 Legal Essentials for your Small Business

By Bianca Reynolds Bianca is a lawyer at LegalVision. Throughout her studies, she gained experience in a variety of areas of law including family, commercial, and personal ... well-drafted, clear employment agreement will cover things like leave entitlements, intellectual ... resolution procedures; and Limitations of liability and disclaimers. If you provide ...

read more

Preparing your small business for a Tax Audit

The word on the street is that the ATO are going to be doing random audits of 100's of small businesses. Even if your books are in pristine condition, audits are generally ... tax audit cover either as part of your business insurance or as ... may incur, it will help cover the professional fees and costs ...

read more

How to Kickstart Your Best Year in Business

In the blink of an eye, another new year is here, and it is a great time to get your business ready for a successful year. Taking the time to review some of your existing ... over insuring and that you're covering your business for the things ... to start? Download our Business Insurance Checklist for Small Businesses here ...

read more

Customer Spotlight: Cazeil Creative

Ask most people what they would save in a fire and the most common answer is always photos. Photography plays an important role in our lives, recording personal and historical ... when I was contracted to cover a 3-day International Conference in ... is almost mandatory especially to cover my equipment as my photography ...

read more

Customer Spotlight: Being Brands

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

read more

A $2,000 Wish for Your Small Business

Ask any small business owner about the most difficult aspect of running a business and you'll most likely get an array of answers. However, one thing in common that most ... in 2008, BizCover, an online insurance service for small businesses, knows ... more traditional methods of buying insurance,” said BizCover Founder and Managing ...

read more

BizGiver finds it's latest winner in Wild Forage

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

read more

Customer Spotlight: Elite Words

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

read more

Customer Spotlight: Cheaper Buy The Dozen

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

read more

5 Money Saving tips for Small Business

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

read more

Management Liability Insurance

... provide to your clients, Management Liability Insurance covers the act of running your ... awarded to any claimants. Management Liability Insurance benefits: Private companies Company directors ...

read more

Public Liability Insurance NSW

... costs What is typically NOT covered? Employee injury Damage to your ... do Professionals pay for Public Liability Insurance? The term 'Professionals' encompasses a ...

read more

Public Liability Insurance QLD

... costs What is typically NOT covered? Employee injury Damage to your ... do Professionals pay for Public Liability Insurance? The term 'Professionals' includes a ...

read more

Public Liability Insurance WA

... $70.82 per month for Public Liability insurance. There are many occupations that ... pay for Public Liability Insurance in WA? The term 'Professionals' covers a wide ...

read more

Cyber Liability Insurance

... get the right cover for your business. Cyber Liability Insurance covers your business against ... making business owners sweat. Cyber Liability Insurance can reduce your risks and ...

read more

Reviews related to liability insurance cover

  • I have never purchased public liability insurance so I had no idea about anything. I rang Biz cover and spoke to Patrick who was super helpful and explained everything to me in a simple way that was easy to understand, I believe that I have also received

    Simona F
    Kitchen / Bedroom / Bathroom Furniture Manufacture & Installation

  • So quick and easy to purchase liability insurance from a range of insurers. Very happy customer!!

    Shirley M McIntosh
    Trades & Services

  • So quick and easy to purchase liability insurance from a range of insurers. Very happy customer!!

    Shirley M
    Food wholesaling nec

  • very easy to get my public liability insurance done within minutes!! Thanks.

    Troy M
    Landscape Construction

  • Was easy enough to change levels of cover, compare conditions and then contract the insurance cover I wanted.

    Soner B
    Information Technology Services (IT)

  • So easy to set up insurance through biz cover when you have no time for phone calls

    Casey W
    Hairdressing Service

  • Great Price on my Liability insurance

    James M
    Trades & Services

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

    Les K
    Door Or Window Wholesaling

Get instant quotes

Get the cover that's right for your business

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

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

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