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6 Areas You May Not Have Thought Business Insurance Covers

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7 Types of Insurance Your Small Business Should Consider

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

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Insurance Considerations for Personal Trainers

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

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Insurance for architects- the blueprint to success

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

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Things you didn't know about small business insurance

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5 Tips for an Insurance Health Check

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

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The Risks of Growing Your Small Business

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How the cost of Professional Indemnity insurance is calculated

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Professional Indemnity Claims: when should I notify my insurer?

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Personal Accident and Illness Insurance for Tradies

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Insurance prices remain steady despite market predictions of higher premiums

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Keep calm and stretch on with Yoga Teacher insurance

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Small Business Insurance Index

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Small Business Insurance Price Index Q3

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BizCover SME Insurance Price Index Q1 FY20

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5 Surprising Things Business Insurance Can Cover

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5 Reasons to love Personal Accident Cover

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Who is Covered Under an IT Liability Policy?

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PI Index: Premiums Decline 10 Straight Quarters

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The Risky Business of Insurance

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Insurance Premiums for Retailers Continue to Climb

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Small Business Insurance Index Q2: 5 point increase, largest in 10 quarters

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5 Common Beauty Insurance Claims

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Do I need insurance for my market stall?

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What is Product Liability Insurance?

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Public Liability Insurance

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Legal Requirement for Public Liability Insurance

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Common Small Business Insurance Claims and How to Prevent them.

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Cyber Liability Insurance: the safety net small businesses need

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The Easter Bunny's Guide to Business Insurance

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BizCover SME Insurance Price Index Q2 FY20

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Getting the Best Value on Your Business Insurance

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Small Business Continues to Win on Insurance Prices!

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7 Steps for Your Business to Survive and Thrive

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Public Liability Insurance in Perth

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Public Liability Insurance in Adelaide

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Public Liability Insurance in Brisbane

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Public Liability Insurance in Hobart

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Public Liability Insurance in Mandurah

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What is Public Liability Insurance?

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Public Liability

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Help Protect your small business' reputation

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Small Business Resolutions for 2017

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5 Legal Essentials for your Small Business

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What is a Cabinet Maker?

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

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BizCover wins dual accolades over two big nights

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How to survive the silly season: a guide for small businesses

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Managing Risk for Tradesmen

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5 Ways To Prepare Your Business Premises For The Cooler Seasons

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BizGiver finds it's latest winner in Wild Forage

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Customer Spotlight: Cazeil Creative

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The Business of Love: Small Business Couples Tell All - Part 1

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Tips for making a Stress-Free Claim

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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

 

*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.

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: