How much does Public Liability Insurance Cost?

... 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 to a ...

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Public Liability Insurance in Perth

... employing industry is Professional Scientific and Technical Services, an ... insurance is……” Derek S. Geophysical Consultant What does Public Liability insurance cover? Public Liability insurance covers claims for personal ...

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Public Liability Insurance in Rockhampton

... % of the working population, followed by Education and Training, an industry that employs 9.8% of ... What does Public Liability insurance cover? Public Liability insurance covers claims for personal injury suffered by ...

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Public Liability Insurance in Mandurah

... with someone who was not pushy, but helpful and happy.” Mishelle O. Retail What does Public Liability insurance cover? Public Liability insurance covers claims for personal injury suffered by a third party (such as ...

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Public Liability Insurance in Hobart

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Public Liability Insurance in Darwin

... affordable but also uncomplicated. With appreciation and gratitude.” Kelly K. Homeopath What does Public Liability insurance cover? Public Liability insurance covers claims for personal injury suffered by a third party ...

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Public Liability Insurance in Brisbane

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Public Liability Insurance in Adelaide

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Public Liability Insurance in Port Macquarie

... and professional service. She made the whole transaction quick and smooth. ” Mark T., Moulding manufacturer What does Public Liability insurance cover? Public Liability insurance covers claims for personal injury ...

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What is Public Liability Insurance?

... made to her of $75,000 as well as defence costs (to the assessor and lawyer) of $30,000. Without the public liability insurance, the graphic design business would have been liable for over $100,000! *As with ...

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Public Liability

... 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 ...

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How much Public Liability insurance do I need?

... terms of the contract. Many industry associations and professional bodies also require members to obtain and maintain a minimum amount of Public Liability insurance for membership or to meet licensing requirements. It ...

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What does Public Liability insurance cover?

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What is Product Liability Insurance?

... claims by third parties relating to property damage or personal injury caused by your products. Product Liability insurance usually forms part of a Public Liability policy and the word 'product' will be a defined term in ...

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Insurance for Yoga Teachers

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Insurance for makeup artists

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Insurance for IT Professionals

... claim can be difficult to determine. BizCover is able to offer a liability package with combined Professional Indemnity and Public Liability insurance from the same insurer. That way, there can be no dispute between ...

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Insurance for Civil Engineers

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7 Types of Insurance Your Small Business Should Consider

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What are the Insurance Options for Land Surveyors?

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Insurance for Civil Engineers- what you need to know

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Insurance for Finance & Mortgage Brokers

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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 ... consider how to protect ... services. Find Out More About Public Liability Insurance As a personal trainer you'll also be giving ... for personal trainers through BizCover is for $1,000,000 Professional Indemnity and $10,000,000 Public Liability. A ...

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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 ... business for a while and looking to buy insurance for the first ... ... well as limits set by your professional body and any contracts that you have. Often they will require you to have a minimum level of Public Liability or Professional Indemnity insurance however, you may decide that you ...

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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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Insurance for Project Managers

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Insurance for Marketing Consultants

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Insurance for Psychologists

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Insurance for Massage & Alternative Therapies

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Insurance for Real Estate Agents

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Insurance for Architects

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Insurance for Carpenters

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Insurance for Consultants

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Insurance for martial art teachers

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Additional Cover for Professional Indemnity Insurance

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Professional Indemnity for Real Estate Agents

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

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6 Areas You May Not Have Thought Business Insurance Covers

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Business Insurance Guide for the Self-Employed - Part 2

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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 ... ... in handy. For example, if you purchase Professional Indemnity (PI) insurance you should know that you're covered for any damages claims awarded against you, plus defence costs. And you should know that you're definitely ...

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Management Liability Insurance

... liability insurance* protects directors and officers and the insured company itself from the many exposures relating to the management of a company. Think of it like this: where Professional Indemnity insurance ...

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Insurance for Sole Traders and Self Emplyed

... Public Liability insurance. Public Liability insurance* is designed to provide protection for you and your business ... professional advice and services who are often required to hold a Professional Indemnity insurance ...

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Insurance by Industry

... of both businesses and professionals and that's why our comprehensive insurance offerings include: Professional Indemnity, Public Liability, Business Insurance, Management Liability, Cyber Insurance and Tax Audit. At ...

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Things you didn't know about small business insurance

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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 ... ; Product Recall; or Punitive Damages. However, this is only a basic list as to what public liability insurance covers and a policy should be tailored to a business' needs based on the risk areas identified in ...

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

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Public Liability NSW

... for small businesses by providing a stamp duty exemption on certain insurance products. The exemption applies to both Public Liability and Professional Indemnity policies. To be eligible (as that the time of publication ...

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Public Liability QLD

... for 2017 within our BizCover database and their individual average monthly premiums below. How much do Professionals pay for Public Liability Insurance? The term 'Professionals' encompasses a broad range of occupations ...

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Public Liability WA

... Retail occupations insured through BizCover during 2018 and their individual average monthly premiums. How much do Professionals pay for Public Liability Insurance in WA? The term 'Professionals' covers a wide range of ...

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What Tradies Need to Know About Public Liability Insurance

... the most common types of insurances for tradies, but do you ... break down the ins and outs of Public Liability insurance and what you need ... 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 Costs of rectifying faulty workmanship Professional ...

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Do I need Public Liability insurance?

... professionals and tradesmen to retailers and other types of small businesses. Is Public Liability insurance a legal requirement? Public Liability Insurance ... Public Liability insurance to protect them against personal ...

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5 Things to Consider When Buying Public Liability Insurance

Public Liability insurance. It's one of those ... ? Not all Public Liability policies are the same and along with cost ... ... your State's relevant authority to know what is required. Public Liability insurance is also requirement for many industry associations and professional memberships, which will also stipulate the minimum level of cover ...

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Public Liability Insurance for Cabinet Makers

... and can be done easily with the right kind of business insurances ... ... . This could put your personal assets, like your home and belongings, at risk if a claim against you succeeds and you do not have other means to pay the award amount. Having Public Liability insurance in place means you ...

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Public Liability Insurance Scenario

... is hurt - badly - and you're responsible. You hang ... ... adequate insurance, is their personal horror story might have been avoided altogether in just a few minutes online. What Janine needed was public liability insurance or insurance that protects you and your business ...

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Top 5 Reasons for Having Professional Indemnity and Public Liability Insurance

... NHAA members should hold and maintain Professional Indemnity and Public Liability insurance. #1 Protection against ... claims of negligence ... top 5 reasons NHAA members should hold and maintain Professional Indemnity and Public Liability insurance. #1 Protection against claims of negligence, malpractice and professional misconduct Your service comes with an ...

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Public Liability PPC

... claims that are made for personal injury or property damage. Public Liability Insurance does just that. It covers the expense of legal and defence costs; court attendance costs; and compensation awarded, in the event ...

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Business Insurance Guide for the Self-Employed - Part 1

... opportunity to pursue your passion and being in control of your ... of managing your finances, marketing and other key plans for success ... focus ... the main types of business insurances on the market. Starting with Public Liability insurance. What is Public Liability Insurance? Public Liability insurance provides protection* for  you and your business in the event ...

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Insurance for Disability Workers

... it cover? A Disability Support Worker's insurance package includes Professional Indemnity* and Public Liability* insurance. Professional Indemnity* An important form of insurance that is designed to respond to claims ...

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Who is Covered Under an IT Liability Policy?

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

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Insurance for Landscapers

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Insurance for Hair & Beauty Services

... your preferred policy and you'll be ... 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 ...

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Insurance for Handymen

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Insurance for Tradesmen

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Insurance for Car Wash and Auto Detailers

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Insurance for Cafes

... is usually included with your Public Liability policy and protects your business for personal injury or property damage claims caused by your products. Business Insurance* Your business assets help make your café ...

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Insurance for Painters

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Keep calm and stretch on with Yoga Teacher insurance

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Insurance for Electricians

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Insurance for Retailers

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Insurance for Plumber

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Insurance for Butcher Shops

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Insurance for Furniture Manufacturers

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Insurance for Allied Health Professionals

... Know? BizCover is the preferred insurance partner of the Naturopaths and Herbalists Association of Australia. If you're a NHAA member you'll save on your Professional Indemnity & Public Liability cover with our exclusive ...

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Insurance for Pet Professionals

... from Hobart to Hamilton Island! Insurance for pet professionals Public Liability No matter how much care you ... your business and potential damage to your business' reputation. Professional Indemnity insurance* protects you ...

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Insurance for Bakers

... can easily occur in a bakery which makes Public Liability an important type of insurance to consider. Public Liability insurance is designed to provide protection for you and your bakery business in the event a customer ...

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Insurance for Gift Shops

... of the types of risks Cyber Liability insurance can assist with are inadvertent loss or release of customer personal information, cybercrime, cyber extortion/ransomware and business interruption due to a cyber event ...

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Insurance for Personal Trainers

... your local council if conducting exercise sessions in outdoor areas. Insurance for Personal Trainers and Fitness Professionals Professional Indemnity As a personal trainer it's your job to create unique exercise plans ...

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Insurance for Social Workers

... Your Public Liability policy covers you anywhere in Australia so you can work with clients from Hobart to Hamilton Island! Insurance for Social Workers Professional Indemnity Providing professional advice and services is ...

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Insurance for Restaurants

... and other nominated professional fees incurred in the course of an audit. Cyber Insurance* As a restaurant owner your exposure could be at the payment desk - with your EFTPOS machine hacked. Cyber Liability insurance ...

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Do I need insurance for my market stall?

... treats to clothing, arts, crafts, and bric-a-brac, Australia has ... when it comes to markets. And with the festive season fast ... ... of potential risks. Insurance for market stall holders is designed to protect you and your business against ... types of cover - Public Liability and Product Liability. Public Liability Public Liability covers you for the ...

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Insurance for Furniture Manufacturers

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Insurance for Mobile Food Vans

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Home Based Business Insurance

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Insurance for Dog Walkers

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Insurance for Plasterers

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How much does Business Insurance cost?

... graph, it is clear to see that Public Liability insurance is the most popular taken out by retail businesses at 91%, followed by Contents, Glass and Theft cover. Public Liability is an essential form of cover for retail ...

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Insurance for Recruitment Consultants

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Insurance for Electrical Engineers

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Insurance for Land Surveyors

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Insurance for Professionals

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Dishing up the facts on food business insurance

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Insurance for Pizza Shops

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Insurance for Cleaners

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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.