What does Public Liability insurance cover?

... above could easily cost well over $50,000), and not having Public Liability insurance means you could ... reputation. The key things Public Liability Insurance is designed to provide cover for include: Any award or ...

read more

What is Product Liability Insurance?

... party, and your defence costs (these are the reasonable costs incurred while investigating and defending a covered claim including legal fees, experts fees and court costs). Product Liability insurance is there to help ...

read more

Public Liability Insurance in Perth

... quote. Hopefully I will never find out how good the insurance is……” Derek S. Geophysical Consultant What does Public Liability insurance cover? Public Liability insurance covers ... Liability insurance can cover, the cost ...

read more

Public Liability Insurance in Mandurah

... a better deal. I told him I was getting some other quotes which never happened as the other people did not come back to ... various industries and occupations Public Liability insurance can cover, the cost of it can vary ...

read more

Public Liability Insurance in Rockhampton

... various industries and occupations Public Liability insurance can cover, the cost of it can vary greatly. ... will apply.  Get a hassle-free quote for your business here. ——————————————————————————————————————————————————- ...

read more

Public Liability Insurance in Hobart

... various industries and occupations Public Liability insurance can cover, the cost of it can vary greatly. ... will apply.  Get a hassle-free quote for your business here. ——————————————————————————————————————————————————- ...

read more

Public Liability Insurance in Darwin

... various industries and occupations Public Liability insurance can cover, the cost of it can vary greatly. ... will apply.  Get a hassle-free quote for your business here. ——————————————————————————————————————————————————- ...

read more

Public Liability Insurance in Brisbane

... the various industries and occupations Public Liability insurance can cover, the cost of it can vary greatly. ... apply.  Get a hassle-free quote for your business here. ——————————————————————————————————————————————————- ...

read more

Public Liability Insurance in Adelaide

... various industries and occupations Public Liability insurance can cover, the cost of it can vary greatly. ... will apply.  Get a hassle-free quote for your business here. ——————————————————————————————————————————————————- ...

read more

Public Liability Insurance in Port Macquarie

... various industries and occupations Public Liability insurance can cover, the cost of it can vary greatly. ... will apply.  Get a hassle-free quote for your business here. ——————————————————————————————————————————————————- ...

read more

How much does Public Liability Insurance Cost?

... underwriting criteria will apply. Get a hassle-free quote for your business here. Given the various industries and occupations Public Liability insurance can cover, also means the cost of it can vary greatly. This is due ...

read more

What is Public Liability Insurance?

... their property. Most Public Liability policies also extend to cover Product Liability. If you sell, ... well as defence costs (to the assessor and lawyer) of $30,000. Without the public liability insurance, the graphic ...

read more

How much Public Liability insurance do I need?

... Damage to your own property Costs of rectifying faulty workmanship Professional negligence Contractual liability Events occurring before or after the policy period *As with any insurance, cover will be subject to ...

read more

Public Liability

... a minimum amount of public liability cover? What kind of accidents could occur due to your business operations and what could be the potential cost of a claim? *As with any insurance, cover will be subject to the ...

read more

Public Liability Insurance for Cabinet Makers

... the right kind of business insurances in place. Regardless [] ... ... Public Liability insurance covers your reasonable legal costs, even ... covered. Get in touch today to access quotes from some of Australia's top insurers and arrange your cover in minutes. *As with any insurance, cover ...

read more

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 ... court fees and legal costs can potentially cripple a business as they are paid out of pocket. Type and Level of Public Liability Insurance As with other forms of insurance, the level of cover required varies dependent on ...

read more

5 Things to Consider When Buying Public Liability Insurance

Public Liability insurance. It's one of those fundamental covers that most SMEs are ... arranging appropriate cover for your business? Not all Public ... save on costs but the cheaper option may not represent a true saving if the policy does not provide your business the sufficient coverage it needs. 3. Am I required to have Public Liability insurance cover? Each State ...

read more

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

... and your customers with Public Liability insurance. It offers protection should a ... ... level of cover. A lot of contracts also have requirements for Public Liability insurance. For example ... requires you to hold your own Public Liability policy. 4. Get multiple quotes Of course all business owners look for ...

read more

What Tradies Need to Know About Public Liability Insurance

... the most common types of insurances for tradies, but do you ... ins and outs of Public Liability insurance and what you need to ... what is Public ...  due to your negligent business activities Legal and defence costs associated with a covered claim What does Public Liability insurance typically not cover? Injuries to your employees Damage to your own property ...

read more

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 ... cover your business against accidents is a relatively simple process. Purchasing public liability insurance online, where quotes ... provide small businesses with an easy, cost-effective way of obtaining pricing from the ...

read more

Do I need Public Liability insurance?

... -based business. If you think you are covered under your home insurance policy check your Product Disclosure Statement, as most home insurance policies do not cover any liability arising from the operation of a business ...

read more

Business Insurance Guide for the Self-Employed - Part 1

... are a variety of business insurance [] ... What does Public Liability Insurance typically cover*? Compensation for: ... costs associated with a covered claim **Many public liability policies also provide cover for product liability. What is not typically covered ...

read more

Insurance for Bakers

... you to take 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 ...

read more

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

Know you need business insurance but aren't sure how ... policy is right? How much cover is enough? Whether you're ... while and looking to buy insurance ... 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 ...

read more

Insurance for Civil Engineers

... service or advice. It will also 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 ...

read more

Insurance for Landscapers

... the phone. Receive multiple quotes and compare policies from some of Australia's leading insurers without the usual hassles or paperwork. Did You know? Public Liability insurance covers you anywhere in Australia? From ...

read more

BizCover SME Insurance Price Index Q1 FY20

... price reductions on their Public Liability insurance, while prices have remained steady ... in five years and transport costs increasing steadily ... (Professionals) in the price of their Public Liability insurance for the most recent quarter. This contradicts the ... SMEs when it comes to their business insurance, commenting “While costs may be rising for Australian's ...

read more

Public Liability NSW

... covered by your Public Liability insurance policy, it will cover compensation payable to a third party as well as the associated legal costs ... eligibility question when obtaining a quote online and the concession will be ...

read more

Public Liability QLD

... your negligent business activities.    Public Liability insurance is designed to cover compensation payments to a third party and legal costs associated with the claim (including defence costs). What if a customer was ...

read more

Public Liability WA

... your negligent business activities.    Public Liability insurance is designed to cover compensation payments to a third party and legal costs associated with the claim (including defence costs). What if a customer was ...

read more

Insurance for Massage & Alternative Therapies

... underwriting criteria will apply.  Get a hassle-free quote for your business here. Did you Know? ... Costs associated with defending a cyber claim are also covered.  Examples of the types of risks Cyber Liability insurance ...

read more

Dishing up the facts on food business insurance

... you have the right business insurance. When it comes to insuring ... ... Liability insurance is designed to protect your business against such claims by covering your legal and defence costs ... damage. Visit BizCover.com.au to get a quick quote and give yourself peace of mind in minutes.

read more

Insurance for Psychologists

... assist with the costs associated with responding 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 ...

read more

Insurance for Disability Workers

... note that the policies offered through BizCover, do not provide cover for procedures that would require a medical or nursing qualification. Public Liability Insurance* Every day you work closely with your clients and ...

read more

Insurance for Civil Engineers- what you need to know

... about what kinds of business insurance coverage you may need to ... ... in the event of a cyber breach or attack. Costs associated with defending a cyber claim are also covered. Examples of the types of risks Cyber Liability insurance can assist with are inadvertent loss or release of ...

read more

Insurance for Allied Health Professionals

... competitive quotes from some of Australia's leading insurers. Select your preferred policy and you'll be covered ... costs (which can include legal costs, investigator costs and expert fees). Public Liability Insurance* ...

read more

Insurance for Cafes

... quotes, compare and get insurance cover in minutes. Did you Know? Public Liability Insurance: A range of limits of cover ... keep on running. Machinery Breakdown insurance covers the cost to repair or replace specified ...

read more

Insurance for Butcher Shops

... . For covered claims, your Public Liability policy will cover your defence costs together with any award of compensation payable to a third party. Public Liability insurance usually includes Product Liability cover, to ...

read more

Insurance for Hair & Beauty Services

... or advice. Professional Indemnity Insurance will also assist with the legal costs associated with responding to or managing claims which are covered by your policy. Public Liability Insurance* Whether you work from ...

read more

Insurance for IT Professionals

... quotes online, in minutes, is the quickest and most efficient way to secure great insurance cover ... Costs associated with defending a cyber claim are also covered. Examples of the types of risks Cyber Liability insurance ...

read more

Insurance for Plumber

... stock Employers Practices Liability Employment Practices Liability (EPL) Insurance* is designed to help employers minimize the risk and potential cost of claims taken against them by employees. Covered claims may relate ...

read more

Home Based Business Insurance

... .  Employment Practices Liability* Employment Practices Liability (EPL) Insurance is designed to help employers minimise the risk and potential cost of claims taken against them by employees. Covered claims may relate ...

read more

Insurance for Handymen

... liability problems with business insurance. At BizCover, a few clicks or one call can solve all. You'll get multiple competitive quotes ... Public Liability insurance is designed to cover legal fees and compensation costs if ...

read more

Insurance for Furniture Manufacturers

... your negligent business activities. Product Liability insurance protects your businesses against claims by ... . Machinery Breakdown* - Machinery breakdown insurance covers the cost to repair or replace specified machinery ...

read more

Insurance for Car Wash and Auto Detailers

... cover that are available include insurance for tax audit, employment practices liability and statutory liability ... bills and business costs? Personal Accident and Illness insurance can provide levels of cover for loss of ...

read more

7 Types of Insurance Your Small Business Should Consider

... is Small Business Insurance. But what kind of insurance do you actually ... ... of cover, a potential claim could cost you thousands of dollars (or even hundreds of thousands of dollars), and could be enough to put a small business out of business! Public Liability Insurance explained. Professional ...

read more

Insurance for Restaurants & Cafes

... quotes from leading insurers within minutes. Did you Know? Public Liability Insurance: The average level of cover ... cover loss of stock - so if your fridge motor burnt out and your food was spoiled you can include the cost ...

read more

Insurance for Restaurants

... can result in personal liability for alleged or actual wrongdoing. Tax Audit* As a restaurant owner you have enough to keep you busy day and night. Tax Audit Insurance covers a business for specified costs in the event ...

read more

Insurance for makeup artists

... party, together with defence costs (these are the reasonable costs incurred in investigating and defending a covered claim including legal fees, expert fees and court costs). Public Liability Insurance* When you're ...

read more

Insurance for Electricians

... house were unable to stay there. Fortunately, the electrician had Public Liability insurance and was able to make a claim to cover the cost of the plumber, replacement of the flooring and kitchen cupboards, and temporary ...

read more

Insurance for Furniture Manufacturers

... wrong. This is where business insurance comes into play and should ... your insurance can feel overwhelming at times, with many types of cover ... of cover available in the insurance marketplace. From Public Liability cover to a variety of business insurances, in ... Machinery Breakdown* - Machinery breakdown insurance covers the cost to repair or replace specified ...

read more

Insurance for Mobile Food Vans

... and damages. The coffee van owner's Public Liability policy covered them for this cost, as well as the legal expenses that were incurred. *As with any insurance, cover will be subject to the terms, conditions and ...

read more

Insurance for Tradesmen

Public Liability Insurance cost for Tradesmen Why do Tradesmen need it? Don't be a 'hero' and rock up to your next job without your insurance. With BizCover you can get multiple competitive quotes from some of Australia' ...

read more

Insurance for Pizza Shops

... quotes from some of Australia's leading insurers, delivered to your inbox in minutes. Did You know? Public Liability Insurance: The average level of cover ... - Machinery breakdown insurance covers the cost to repair or ...

read more

Insurance for Gift Shops

... in the event of a cyber breach or attack. Costs associated with defending a cyber claim are also covered. Examples of the types of risks Cyber Liability insurance can assist with are inadvertent loss or release of ...

read more

Cyber Liability Insurance

... in the event of a cyber breach or attack. Costs associated with defending a cyber claim are also covered.  Examples of the types of risks Cyber Liability insurance can assist with are inadvertent loss or release of ...

read more

Management Liability Insurance

... Indemnity insurance covers the advice or service you provide to your clients, Management Liability insurance covers the ... and the costs that could be awarded to any claimants. Management Liability Insurance benefits: ...

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 ... Cover What is Building Cover? Building Insurance provides protection for material damage to your premises, it can cover the cost ... or the cost of repairs if damaged. Period of inoccupancy: Loss, damage or liability during ...

read more

Don't let your business be an online target - what you need to know about Cyber Liability Insurance

While the terms 'cybercrime' and 'data breach' may not have existed 25 years ago, they are now commonplace threats facing small business. In fact, in 2017 approximately ... how easily a breach can happen. Cyber Liability insurance can provide financial protection by covering: Forensic investigation costs to find the issue Data recovery costs Extortion amounts that ransomware may demand ...

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 ... will help to reduce subsequent damage to your business by covering the expenses and legal costs that are associated with breaches. Cyber Liability insurance won't prevent an attack, but it will help businesses to ...

read more

6 Areas You May Not Have Thought Business Insurance Covers

... your business you should consider cover to protect the following types ... ... to suit your needs and include other essential covers such as Public Liability and Professional Indemnity insurance to ensure you are not left financially responsible for the costs of a legal claim should a third party ...

read more

Insurance for pharmacy and pharmacists

... other regulatory bodies. Public Liability insurance* is another type of cover likely to be relevant for ... lost or damaged. It will also cover the reasonable costs for reproducing or rewriting the prescription information ...

read more

A guide to Plasterer's insurance that won't leave you, board

... by not having the right insurance in place? Read on to ... ... you to have your own Public Liability insurance policy before being able to join Cover your bits Your tools of trade ... yourself. Being off work without an income could end up costing you more than an arm and a leg. How ...

read more

BizCover SME Insurance Price Index Q1 FY21

... clients buck the trend of insurance price hikes. Whilst the Australian ... the availability and pricing of insurance for SMEs, BizCover can report ... be viewed here: SME Insurance Price Index Public Liability insurance is an essential cover for SME's and one ... insurance partners to ensure the cost of insurance for SME's is fair. Despite increases in the broader insurance ...

read more

Statutory Liability

... legal expenses Did you know? Statutory Liability generally insures the cost of fines and penalties, as well as pollution liability defence costs. *As with any insurance, cover will be subject to the terms, conditions ...

read more

Business Insurance Guide for the Self-Employed - Part 4

... piece of our Business Insurance for the self-employed ... Accident and Illness insurance and Cyber Liability insurance. We share the ... ... in the event of a cyber breach or attack. Costs associated with defending a cyber claim are also covered. Examples of the types of risks Cyber Liability insurance can assist with are inadvertent loss or release of ...

read more

Business Insurance in Bunbury

... cover is available for public liability, tax audit, employment practices and statutory liability risks. Business Insurance is an insurance package designed to provide cover ... your insurance is actually going to cost.  ...

read more

Insurance for Accountants

... quotes from some of Australia's leading insurers is a cost-efficient way to secure insurance cover ... of confidentiality by your system being hacked. Cyber Liability insurance helps to protect you from claims and supports ...

read more

Business Insurance in Wollongong

... the various industries and occupations Public Liability insurance can cover, the cost of it can vary greatly. ... apply.  Get a hassle-free quote for your business here. ——————————————————————————————————————————————————- ...

read more

Business Insurance in Melton

... Insurance Company offer I was applying for a cover.” Nixon N. Church Operation How much does Public Liability insurance cost ... apply.  Get a hassle-free quote for your business here. ...

read more

Business Insurance in Launceston

... BizCover!” Anne G. Bookkeeper How much does Public Liability insurance cost? On average, small businesses in Launceston pay $52. ... amount of insurance cover your business needs *As with any insurance, cover will be ...

read more

Business Insurance in Mackay

... Z. Commercial Cleaner How much does Public Liability insurance cost? On average, small businesses in Mackay pay ... size The amount of insurance cover your business needs *As with any insurance, cover will be subject to ...

read more

Business Insurance on the Central Coast

... and Maintenance How much does Business insurance cost? On average, small businesses on the Central Coast pay around $68.66 a month**for a Business insurance policy. Public Liability insurance is one of the most popular ...

read more

Business Insurance in Geelong

... both of them were extremely friendly and helpful in getting quotes and sorting my annoying payment queries. I actually can’ ... various industries and occupations business insurance can cover, the cost of it can vary greatly ...

read more

Business Insurance in Parramatta

... , cover is available for public liability, tax audit, employment practices and statutory liability risks ... the various industries and occupations that business insurance can cover, the cost can vary greatly. This is due to ...

read more

Business Insurance in Toowoomba

... , cover is available for public liability, tax audit, employment practices and statutory liability risks ... Given the various industries and occupations business insurance can cover, the cost of it can vary greatly. This is ...

read more

Business Insurance in Townsville

... , cover is available for public liability, tax audit, employment practices and statutory liability risks ... Given the various industries and occupations business insurance can cover, the cost of it can vary greatly. This is ...

read more

Business Insurance in Cairns

... , cover is available for public liability, tax audit, employment practices and statutory liability risks ... Given the various industries and occupations business insurance can cover, the cost of it can vary greatly. This is ...

read more

Business Insurance in Bundaberg

... , cover is available for public liability, tax audit, employment practices and statutory liability risks ... Given the various industries and occupations business insurance can cover, the cost of it can vary greatly. This is ...

read more

Business Insurance in Newcastle

... , cover is available for public liability, tax audit, employment practices and statutory liability risks ... the various industries and occupations that business insurance can cover, the cost can vary greatly. This is due to ...

read more

Business Insurance on the Gold Coast

... cost of it can vary greatly. This is due to several factors including:  The type and nature of your business Your business turnover and size The amount of insurance cover ... a hassle-free quote for your business here ...

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 ... you're an exceptionally prime target. Cyber Liability insurance is a 'must have' policy for ... costs involved, which is why Tax Audit insurance can be a nice little addition to your insurance portfolio. It covers the cost ...

read more

Insurance for Convenience Stores

... windows, glass cover is an important form of insurance and is also often required as part of a commercial lease agreement. Insurance for Convenience Stores Public Liability Insurance* Public Liability insurance is an ...

read more

5 insurances every convenience store owner needs to know about

... , you've got all bases covered, but have you taken the ... ... your Public Liability insurance. It is one of the most essential types of cover, protecting your ... you are going to want to insure it! Building insurance covers the costs of repairing or rebuilding your store as a result ...

read more

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

... most common issues with Business Insurance is that policy owners often ... aware of what isn't covered should also be considered, [ ... ... to an accident, this cover provides up to 85% of your income (up to $3,000 per week) until you can work again. Cyber Liability Insurance – Cyber Liability Insurance protects against the expenses and legal costs of data ...

read more

Public Liability PPC

... Liability Insurance does just that. It covers the expense of legal and defence costs; court attendance costs ... the right insurance at the right price with BizCover, because if you find a cheaper quote for comparable ...

read more

Who is Covered Under an IT Liability Policy?

Information Technology Insurance Professionals in the information technology sector face potential liabilities from ... ... services telecommunication services IT recruitment and placement services What do IT Liability policies provide cover for? IT Liability insurance provides cover for a breach of the policyholders professional duty to a ...

read more

Insurance for Carpenters

... we offer a framework of insurance options from some of Australia's leading insurers, with quotes and cover arranged in minutes. Did You know? Generally, Public Liability policies will exclude the costs to repair faulty ...

read more

Insurance for Painters

... are just two examples of when you would want Public Liability insurance to protect you as a painter. For covered claims, it will meet your legal and defence costs together with any compensation payable to a third party ...

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 ... can help clean up the mess by covering your legal defence costs and compensation awarded to the claimant. Public Liability insurance also extends to Product Liability cover which protects your business for legal disputes ...

read more

Reviews related to liability insurance cover

  • product knowledge and advice are excellent

    Frank F
    Other

  • Easy to read understand and follow

    Tui d
    Other

  • Easy As!! Thank you

    Casey W
    Entertainment

  • EASY CONVENIENT!

    HONGWEI Z
    Travel

  • Excellent Customer Service

    Trevor C
    Other

Get instant quotes

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.