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Personal Accident and Illness Insurance for Tradies

... exposed to lots of risks, and if something does go wrong ... ... owner or a contractor, Personal Accident and Illness insurance is an important type ... , however, he fortunately had Personal Accident and Illness insurance and was able to claim ...

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Professional Indemnity Claims: when should I notify my insurer?

Your Professional Indemnity (PI) insurance is no doubt one of ... needed financial assistance for legal and compensation costs in the event ... against Your Professional Indemnity (PI) insurance is no doubt one of ... admit liability which can result in your insurer suffering prejudice, and again ...

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How the cost of Professional Indemnity insurance is calculated

... the cost of a Professional Indemnity (PI) insurance policy is calculated and why one profession ... of Professional Indemnity insurance. Insurance ... the cost of a Professional Indemnity (PI) insurance policy is calculated and why one profession ... of Professional Indemnity insurance. Insurance policy pricing is generally calculated on risk factors and put ...

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Professional Indemnity for Real Estate Agents

... the Real Estate Industry Professional Indemnity Insurance provides essential financial protection ... out of acts, errors and omissions from professional ... and Business Agents Act 2002 hold a minimum of $1 million Professional Indemnity Insurance ... stated in the advertising material and liability on the real estate agent ...

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5 Reasons to love Personal Accident Cover

Personal Accident and Illness Insurance (IPA Cover)offers financial protection ... Personal Accident and Illness Insurance (IPA Cover)offers financial protection ... Checks Unlike some other insurance policies, a personal accident policy will not ...

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

Know you need business insurance but aren't sure how to ... business for a while and looking to buy insurance for the first ... ... client information Management Liability insurance covers businesses and their directors personal assets against legal ... a minimum level of Public Liability or Professional Indemnity insurance however, you may decide ...

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Do I need insurance for my market stall?

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

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5 Surprising Things Business Insurance Can Cover

When looking for Business Insurance, most small business owners typically ... things such as their legal liabilities and top of mind assets such ... ... counters, shelving, fixed mirrors, and ceramic and porcelain items too. It can ... an exceptionally prime target. Cyber Liability insurance is a 'must have' policy ...

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7 Types of Insurance Your Small Business Should Consider

... is Small Business Insurance. But what kind of insurance do you actually ... ... Professional Indemnity (PI) Insurance is a must have. It protects professionals against liability for damages, and ... but your personal assets too. Management Liability Insurance explained. Cyber Liability Insurance If you ...

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

... most common issues with Business Insurance is that policy owners often ... it does protect you against, and the risks that still remain. ... ... work again. Cyber Liability Insurance – Cyber Liability Insurance protects against the expenses and legal costs ... For example, if you purchase Professional Indemnity (PI) insurance you should know that you're ...

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Who is Covered Under an IT Liability Policy?

... Insurance Professionals in the information technology sector face potential liabilities from clients and ... so their systems work efficiently ... these insurances in addition to professional indemnity. The benefit of having professional indemnity, products liability and public liability ...

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Insurance Considerations for Personal Trainers

Working as a personal trainer can be a rewarding ... your clients achieve their goals and transform their lifestyles, but it's ... consider how to protect ... Out More About Public Liability Insurance As a personal trainer you'll also be ... $1,000,000 Professional Indemnity and $10,000,000 Public Liability. A combined policy ...

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

... a wide range of clientele, and you can build your own ... of. But making people look and feel amazing is just […] ... should consider for their business… Professional Indemnity Insurance You're an expert when it ... good to have your Professional Liability and Public Liability cover combined through the ...

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Insurance for architects- the blueprint to success

... the challenge of crafting plans and working on demanding projects where ... ... Architects Act and registration boards. And with that comes varying Professional Indemnity insurance requirements. It's ... become a statistic.[i] Cyber Liability insurance provides essential financial protection if ...

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5 Tips for an Insurance Health Check

If your insurance is due for renewal or ... of your insurance to ensure that if the unthinkable happens and your ... ... insurance available for small businesses and the risk areas that they cover. Professional Indemnity ... ) Management Liability Protects businesses and business directors including their personal assets against ...

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PI Index: Premiums Decline 10 Straight Quarters

Business Insurance Premiums Decline 10 Straight Quarters, ... and healthy competition in the business insurance market. The BizCover Small Business ... product groups, Combined Professional Indemnity/Public Liability and Public Liability/Business Packs are not ... an example, the cost of Professional indemnity insurance for some Allied Health professionals ...

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Keep calm and stretch on with Yoga Teacher insurance

Breathe in, breathe out, and let a wave of calm ... of arranging your yoga teacher insurance go. As a yogi or ... business. Let us centre your insurance ... up to chance and consider Professional Indemnity insurance to protect you and your business. What ... of insurance cover for their yoga teacher members: $10m Public Liability $5m Professional Indemnity ...

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Things you didn't know about small business insurance

Getting the insurance sorted for your small business ... , jump online, compare quotes and buy the insurance that suits your business. ... not ... is that your personal insurance may not cover your business liabilities or property. ... to have Professional Indemnity cover. Make sure your policy stays relevant and on ...

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

... control of your earning potential and the upside can be great ... of outlays to make initially and deciding what you spend your ... limited resources ... types of insurance is required. For example you'll find Professional Indemnity is comp ... personal assets are also on the line. Having a Management Liability policy ...

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The Risky Business of Insurance

... clients, cash flow, staff, stock and future planning. Managing business risk ... and ensuring that a business can ... businesses are uninsured ... have' insurance. Examples of “must have” insurance: Public Liability– protects against legal and court ... Every business should have PL Professional Indemnity - protects against losses for ...

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6 Areas You May Not Have Thought Business Insurance Covers

... to protect your business assets and revenue against potential risks that ... , such as fire, storms, theft and accidental damage. When insuring your ... your premises, or in your personal custody? If you business holds ... essential covers such as Public Liability and Professional Indemnity insurance to ensure you are not ...

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Insurance Premiums for Retailers Continue to Climb

Insurance Premiums for Retailers Continue to ... Small Business Insurance Price Index has been released (Graph 1), and similar ... an increase ... not universal. Graph 1 – BizCover Insurance Price Index (Financial Year 2017 ... in the Professional Indemnity sector, but the index for Public Liability and Business Packs ...

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

The Quarterly BizCover Small Business Insurance Index has shown that Australian ... enjoyed the end of declining insurance premiums with an increase of ... non professional sector with Public Liability and Business Packs (predominately covering perils ... saw premium rates increase 10%. Professional Indemnity have just normalised back to ...

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5 Common Beauty Insurance Claims

... we take to prevent them - and the simplest of setbacks can ... ... it. “Thankfully my Business Insurance policy included building and contents cover”, says ... which were paid under her Professional Indemnity policy. Back in business Have ...

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

... protecting your business and your customers with Public Liability insurance. It offers protection ... business for personal injury, death ... business for personal injury, death, or damage to their property. And whilst ... requirements for holding Public Liability insurance. Each state and territory has their own ...

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Insurance prices remain steady despite market predictions of higher premiums

... , the latest BizCover Small Business Insurance Index is showing little change ... stricter underwriting criteria and higher prices, excess capacity ... profitable small business sector.” Public Liability and Professional Indemnity prices have seen no significant ... of competition in the market and insurance profitability remains strong, so I ...

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Public Liability Insurance

... is hurt - badly - and you're responsible. You hang up. ... ... , and other small business owners caught short without adequate insurance, is their personal ... needed was public liability insurance or insurance that protects you and your business from ...

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Dishing up the facts on food business insurance

... you have the right business insurance. When it comes to insuring ... an overwhelming choice of policies and policy options […] ... of insurance should food businesses consider? Public Liability Insurance Dishing up food and beverages ... within your personal care. Did you know? On average, restaurant and café ...

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Common Small Business Insurance Claims and How to Prevent them.

... are out of your control and have a big impact on ... your business and your bottom line. Whilst you've got the insurance to ... ... most common BizCover Business Insurance customer claims, and tips on how to ... , investing in a backup generator. Liability Claims Another common claim seen ...

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Cyber Liability Insurance: the safety net small businesses need

... the globe, particularly in Australia and especially to small businesses. The ... , no small business is immune and […] ... in Cyber Liability insurance are: · Business interruption costs · Data recovery and investigation costs ... few basic preventative measures and robust Cyber Liability insurance, small business' are ensuring ...

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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 ... professional sector, primarily around Public Liability and Business Packs (predominately covering perils ...

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Comparethemarket.com.au and BizCover Announce White Label Partnership

... Australia's leading FinTech providers, BizCover and comparethemarket.com.au have joined forces, ... online provider of small business insurance, having ... Australian small businesses compare and buy their insurance online. Their White Label ... be in charge of their insurance and this partnership makes this increasingly ...

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Product Liability Insurance

... a safety defect that causes personal injury, illness, death or property ... Australian Competition and Consumer Commission website. What is Product Liability Insurance? Product Liability insurance usually ...

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Public Liability Insurance

... ? What is included? Compensation for personal injury and/or property damage to ... the public Legal and defence costs Public Liability Insurance protects you and your business ...

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Legal Requirement for Public Liability Insurance

Public liability insurance covers your business for losses ... activities. Failure in obtaining public liability insurance policy can expose a business ... business did not have public liability insurance and are found at fault, the ... list as to what public liability insurance covers and a policy should be ...

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The Easter Bunny's Guide to Business Insurance

... kilograms of chocolate are purchased and consumed around the world. In ... ... due to fines and legal battles. A Product Liability policy would cover ... Insurance pack the Easter Bunny would have cover for machinery breakdown and ...

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New Year Insurance Health Check!

... for people to make resolutions and plan for their year ahead. ... of the year that was and do a bit of planning ... year ahead, including the goals ... direction for the business and ensuring financial and risk management strategies still ... increasing the level of public liability insurance that you hold. Are there ...

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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 ... across all insurance classes were stable across the quarter, and this was ...

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Getting the Best Value on Your Business Insurance

... is now in full swing, and if you're like some of ... with your money in 2016 and perhaps even save more! Whilst ... ... at your business as risky and price your policy premium accordingly ... making a claim having enough insurance could mean the difference between ...

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7 Steps for Your Business to Survive and Thrive

... your ticket to a freer and more relaxed lifestyle, right? By ... ... effectiveness of your marketing activity and explore no/low cost strategies to ... increase could recoup inflated expenses and noticeably boost your annual income. ...

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Help Protect your small business' reputation

... a small business, your brand and its reputation are priceless. No ... strong relationships with your customers and clients, and it can take ... are all human and mistakes do happen. Fortunately, Professional Indemnity insurance is designed to ... Professional Indemnity insurance, which protects the act of giving advice to clients, Management Liability insurance ...

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How to hire quality tradesmen for your small business with Oneflare

... counts. It can be daunting and time-consuming sorting through the hoards ... ... Public Liability Insurance This is the most common and essential form of insurance for ... the damage they have caused. Professional Indemnity Insurance Professional Indemnity insurance is not commonly required for ...

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PT@Home is the runner-up in our BizGiver grant competition

... worked as an instructor, personal trainer and transformation specialist for the last ... , she's been running her own personal training business ... worked as an instructor, personal trainer and transformation specialist for the last ... , she's been running her own personal training business, PT@Home. Operating ...

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Small Business Resolutions for 2017

... stock of both your personal life and business life and set some goals ... business in the right direction. And if […] ... stock of both your personal life and business life and set some goals ... with them) with my research and development grants. Hopefully this is ...

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Comparing Portable Equipment & Electronic Equipment Cover

Business insurance isn't always straightforward, and sometimes you need to get ... nitty-gritty to understand what insurance is being offered ... nitty-gritty to understand what insurance is being offered and which one is ... case with Business Insurance options like Portable Equipment and Electronic Equipment cover ...

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BizCover partners with Energy Retailer CovaU

... insurance provider BizCover has announced a partnership with Australian electricity and ... version of its online insurance platform for CovaU ... a range of business insurance quotes, compare and buy online, in a ... traditional way of purchasing business insurance, and often delivering substantial savings to ...

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

... to building up your name and opening your own store. Many ... hours and dollars have gone into making ... your dream a reality, and all it ... may be exposed to and how business insurance can help prevent an ... is available under a Business Insurance pack and provides cover for the ...

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A Close Shave with Underinsurance

... growing and changing it's important to make sure that your Insurance ... grows with your business and you're not left ... businesses in Australia ... sure that your Insurance grows with your business and you're not left ... and like any good business owner, covered her business with Business Insurance. ...

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Sto Lat Restaurant & Café wins the BizGiver grant

... grant, the Sto Lat Restaurant and Caf! The restaurant specialises in ... Polish and European cuisine, while offering a ... unique, and for ... great portrayal of Polish food and culture.” Additionally, the restaurant has ... customers always demand new and exciting experiences and you need to give ...

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The Risks of Growing Your Small Business

... it all on the line, and take a giant leap forward. ... ... themselves, but the primary insurances - public liability and professional indemnity - are crucial. Ignore ... your legal liability! Public Liability (or 'PL') covers claims against personal injury or ...

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Small Business Index July 2015

... insurance rates but is the tide turning? An oversupply of capacity and ... competition in the insurance market over the last ... down the ... of Professional Indemnity, Combined Professional Indemnity & Public Liability and Public Liability /Business ... and low interest rates, and those with capital chasing returns in insurance.” The Professional Indemnity ...

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Gold Coast Mobile Juice Business Gets a Boost

... , Australia's biggest online small business insurance provider . […] ... buy Professional Indemnity, Public Liability, Business Insurance, Management Liability and now Cyber Insurance. BizCover provides multiple insurance quotes ...

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SMEs continue to benefit from low premiums; despite talk of price rises.

... seems to be hardening for insurance for larger businesses, the latest ... BizCover Small Business Insurance Price Index is showing no ... ... , the latest BizCover Small Business Insurance Price Index is showing no ... which is keeping prices down. Professional Indemnity and Public Liability, including multiple section business ...

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Managing Risk for Tradesmen

... commercial building sites, undertake maintenance and repair […] ... the right business insurance. Protect your livelihood Public Liability insurance is undoubtedly one ... them with a personal identifier, maintain an inventory and record serial numbers ...

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

... their last-minute gifts and service providers, like hairdressers and beauty therapists, booked ... the many cafes and restaurants hosting ... their last-minute gifts and service providers, like hairdressers and beauty therapists, booked ... have an active Public Liability insurance in place. Public Liability insurance is designed to ...

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Preparing your store for the holiday season ahead

... mean an increase in safety and security risks. Here are a ... protect your customers, your business, and your assets. Take safety […] ... payment for compensation and legal expenses. Ensure your Public Liability insurance policy has ... to access systems and data. Therefore, a Cyber Liability insurance policy can act ...

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5 Legal Essentials for your Small Business

... of law including family, commercial, and personal injury. She has a passion ... to justice in the community and growing small businesses. You may ... of law including family, commercial, and personal injury. She has a passion ... (ACL); Dispute resolution procedures; and Limitations of liability and disclaimers. If you provide ...

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5 Ways To Prepare Your Business Premises For The Cooler Seasons

... to those sunny summer days and hello to fresh, frosty mornings ... is prepared for the wetter and cooler weather ahead. Following these ... ... is prepared for the wetter and cooler weather ahead. Following these ... in these areas. Having Public Liability insurance is one of the vital ...

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Is your Small Business Summer Proof?

... of public holidays, long days and great weather. But along with ... own unique set of challenges and risks every small business should ... ... when you get your Business Insurance you also cover for Business ... months is the overheating and breakdown of machinery and equipment. Electrical surges ...

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How to Kickstart Your Best Year in Business

... , another new year is here, and it is a great time ... , implement some new best practices and throw out some old bad ... ... with the correct tax and superannuation details and that your businesses PAYG ... to start? Download our Business Insurance Checklist for Small Businesses here ...

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Customer Spotlight: Being Brands

... their clients, from logo designs and websites to fully realised creative ... ... of growth, and their high-level clients, that makes their insurance a must. ... care of all our insurance, saving us time and making the process ...

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BizGiver finds it's latest winner in Wild Forage

... seasonal wild edible plants, herbs and seaweed to high end restaurants ... ... “I learnt to forage professionally and was captivated immediately. The importance ... methods of buying insurance, said Michael Gottlieb, Founder and Managing Director of ...

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Why having an office inventory list is essential.

... something happens and the time comes to claim on your insurance. When ... the big things, computers, machinery and the like, but what about ... something happens and the time comes to claim on your insurance. When ... that when you review your insurance, you have the right level ...

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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 Managing Director of ...

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Customer Spotlight: Cheaper Buy The Dozen

... jump to the wine industry and started the online wine delivery ... its first four years, Mansel and his team have grown the ... ... their focus on customer service, and insistence on high-quality products. “We ... the importance of a comprehensive and robust insurance plan for his business. ...

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10 small businesses share what they love about their small business

... from a variety of industries and asked them what they love ... the challenges to the flexibility, and everything in between, read on ... ... be constantly learning and growing both personally and professionally and I am constantly ... , and if you're looking to fall in love with a business insurance ...

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BizCover Customers' Top Tips To Grow A Business

... take the plunge and start a business? Also, and perhaps most importantly ... secret to sustaining that motivation and passion in order to ... take the plunge and start a business? Also, and perhaps most importantly ... business's continued success in 2019 and says their confidence is bolstered ...

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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 ... costs. Find out more about Professional Indemnity here. THE EMPLOYEE EMBEZZLEMENT These ... them. Business Insurance cover options such as Management Liability and Cyber Liability are little ...

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A roadmap to staying in business for the long haul: Part 2

... is one of twists, turns and the occasional speed bump. In ... the long run. Strap in and come along for the ride ... ... ways business insurance can help keep your business alive: Public Liability is ... savings or worse still your personal finances, potentially causing your business ...

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Preparing your small business for a Tax Audit

... , audits are generally time consuming and quite stressful. Here are 4 ... ... for you, but keeping your personal and business finances separate, including bank ... as part of your business insurance or as a standalone policy. ...

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Customer Spotlight: Cazeil Creative

... would save in a fire and the most common answer is ... in our lives, recording personal and historical memories. And no one knows this .. ... in our lives, recording personal and historical memories. And no one knows this ... for a year and has already captured weddings and international events. “My ...

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Tips for making a Stress-Free Claim

Making an insurance claim can be stressful - but ... get your business back up and running as quickly as possible. ... make potential claims a stress ... make potential claims a stress-free and time-saving process. Be Prepared There ... out more about Business Interruption insurance here. When Disaster Strikes Call ...

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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 […] ... award recognised the “Small Business Insurance Made Even Easier” campaign for ... comprehending the finer print and getting their insurance sorted online, BizCover developed ...

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When it Rains it Pours: Understanding Flood Cover.

... comes to Business Insurance, understanding what's included and excluded from your policy ... ... comes to Business Insurance, understanding what's included and excluded from your policy ... , contents and/or stock a Business Insurance policy usually comes with some ...

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Taking the W: The Art of Celebrating a Win

In the insurance world, we focus on loss ... on the nature of risk and we pride ourselves on the ... for the wins as well, and […] ... someone who regularly clocked in and experienced the satisfaction of charting ... negatives. In fact, we see insurance as a hugely positive part ...

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A $2,000 Wish for Your Small Business

... aspect of running a business and you'll most likely get an ... task of balancing business expenses and managing the cash […] ... , and they need not be a policy holder with BizCover's insurance service. ... traditional methods of buying insurance,” said BizCover Founder and Managing Director, Michael ...

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Customer Spotlight: Elite Words

... elements of the organisation's website and content, Natalie decided to strike ... ... , proofing, content strategy, content analysis, and content audits. “I love working ... worry about the cost of insurance.” “In the short term, organisations ...

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Mum's the Word: Wise Words of Advice From Business Savvy Mums

... by their mums for life and business. Linda Reed-Enever, Co-Founder of ... 't say anything at all and that is the founding motto ... and guideline ... , Owner of Waster.com.au Providing waste and recycling services to small businesses ... you have the right business insurances to protect it. We can ...

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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?