Personal Liability And Professional Indemnity Insurance

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Public Liability

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What does Public Liability Insurance cover?

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How much Public Liability insurance do I need?

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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 Rockhampton

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Public Liability Insurance In Port Macquarie

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Public Liability Insurance In Perth

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Public Liability Insurance In Mandurah

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Public Liability Insurance In Hobart

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Public Liability Insurance In Darwin

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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 Explained

... cover? What does Public Liability insurance typically not cover? Personal injuries to you or your employees Damage to your own property Costs of rectifying faulty workmanship Professional negligence or unlawful activity ...

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Public Liability Insurance 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 Insurance 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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PI And PL Insurance

... all! BizCover is on a mission to make understanding insurance and covering your small business easy as. With essential cover like Public Liability, Professional Indemnity insurance, and more, we can help you protect your ...

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Business Insurance

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7 Common Types of Small Business Insurance

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Business Insurance Perth

... insurances to consider like Public Liability , Professional Indemnity , Business Insurance packs, Cyber Liability and other insurances ... Public Liability insurance Compensation for: Compensation costs for the personal ...

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Business Insurance Melbourne

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Insurance for Psychologists

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Insurance for Massage & Alternative Therapies

... BUPA provider. Public Liability Business Insurance Personal Accident & Illness Insurance Tax Audit Insurance for  Massage Therapists Professional Indemnity* Your clients trust your expertise and knowledge to treat a ...

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8 Facts About Professional Indemnity Insurance

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Who needs Professional Indemnity insurance?

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Professional Indemnity Insurance

... offered as a packaged product including Directors and Officers Liability, Corporate Liability, Employment Practice Liability, Crime and Statutory Liability. Professional Indemnity protects you against losses claimed by a ...

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Professional Indemnity for Real Estate Agents

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Fitrec and Health People

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Insurance for Yoga Teachers

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Insurance for Makeup Artists

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Business Insurance in Townsville

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Understanding Insurance for Graphic Designers

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Understanding Insurance for Interior Designers

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Insurance for Project Managers

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Guide to Physiotherapy Business insurance

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Insurance Considerations for Personal Trainers

... personal trainers through BizCover is for $1,000,000 Professional Indemnity and $10,000,000 Public Liability. A combined policy can start at from as little as $21 a month. To find out more about these types of insurance ...

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Understanding business insurance for bookkeepers

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Insurance for Finance & Mortgage Brokers

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Does Public Liability insurance cover employees?

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Public Liability Insurance WA

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Do I Need Public Liability insurance?

What is Public Liability Insurance? Public Liability Insurance is a type of insurance designed to protect you and your business against claims of personal injury or property damage sustained as a result of your business ...

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Public Liability Insurance Scenario

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Public Liability Insurance QLD

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Public Liability PPC

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Legal Requirement for Public Liability Insurance

... 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 consultation ...

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Public Liability Insurance in QLD

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Public Liability Insurance for Cabinet Makers

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New Public Liability-1b

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New Public Liability-1a

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New Public Liability-1c

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Claim for Public Liability

... Public Liability It's important to notify your insurer as soon as possible of all compensation claims made against you for third party personal injury or property damage. We want to get this claim off to a good start and ...

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Information Technology Liability Insurance

... a snapshot of what Professional Indemnity and Public and Products Liability insurance provide cover for. Professional Indemnity insurance Professional Indemnity insurance secures IT professionals and their businesses for ...

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Allied Health Combined Liability Insurance

... professions. Here's a snapshot of what Professional Indemnity and Public Liability insurance provide cover for. Professional Indemnity Insurance A Professional Indemnity claim could be enough to cripple your allied ...

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Who is Covered Under an IT Liability Policy?

... 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 Carpenters

... damage or personal injury caused by your products. Product Liability cover is typically included in Public Liability policies. Professional Indemnity insurance Professional Indemnity insurance protects you against ...

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Insurance for Electricians

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Insurance for Consultants

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Insurance for Cabinet Makers

... of the business. If things go wrong, you can be held legally and financially responsible, putting your personal assets at risk. Insurance for Cabinet Makers Public Liability When the little things don't go to plan, the ...

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Insurance for Butcher Shops

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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 Tradesmen

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Insurance for Flooring Installler

... . The policies you choose may depend on how you run your business and the services you provide. Public Liability, Business Insurance, and Personal Accident and Illness are just some of the policies you may choose as a ...

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Insurance for Concrete Contractors

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Insurance for Fencing Contractors

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Reviews related to Personal Liability And Professional Indemnity Insurance

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

    Les K
    Door Or Window Wholesaling

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

    Simona F
    Kitchen / Bedroom / Bathroom Furniture Manufacture & Installation

  • seems easy enough to obtain our public liability. Hopefully we are fully covered now.

    Natalie R
    Commercial Cleaning Services

  • Very affordable insurance for public liability. I now use Bizcover for both my fast food business and my contractual training work.

    Katrina S
    Fast Food Retailing

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

    Troy M
    Landscape Construction

Public Liability insurance

Public Liability insurance is one of the most common types of business insurances that a variety of different small businesses choose to take out. It is there to provide protection if someone makes a claim against the insured, the business or its employees. Claims from a third-party can be for personal injury or damage caused to their property caused by your business activities.

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…

What kind of businesses need Public Liability insurance?

In a nutshell, if your business is interacting with any third parties like customers, suppliers and members of the public on a regular basis, then you may need to consider Public Liability insurance. The chance of Public Liability insurance claim can be hard to predict, but if it were to occur, the costs to your business could be extremely costly and potentially enough to send you out of business.

An example of some of the typical types of businesses that may take a Public Liability insurance policy include:

What is typically included?**

Compensation for:

  • Compensation costs for the personal injury suffered by a third party (e.g. a customer, supplier or member of the public)
  • Compensation for damage to property owned by a third party due to your negligent business activities
  • The legal and defence costs associated with a covered claim
  • Compensation for damage of third-party goods not owned by you which are in your care, custody or control
**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 or product recall
  • Professional negligence
  • Contractual liability
  • Events occurring before or after the policy period
  • Aircraft products
  • Asbestos
  • Liquidated damages
  • Gradual pollution
  • Punitive damages- where the insured acted so badly that extra damages were awarded
  • Liabilities assumed under contract which the insured would not be liable for at common law

Get the right cover

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:

  • Do any of your contracts require a minimum level of public liability cover?
  • Has your industry body set a minimum level of public liability cover for membership?
  • Does your business or trade licence require 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?

Why choose BizCover for your Public Liability insurance?

BizCover - Built for Small Businesses

Built for small business

We know insurance and what makes small businesses tick

BizCover - Clear and Competitive Pricing

Clear and competitive pricing

You can compare and choose from a range of highly competitive prices right there on your screen. Seriously.

BizCover - No Jargons

Cover to match your needs

You can tailor policies from selected Australian insurers to suit the needs of your business, and we are there to help!

BizCover - Real People

Real people adding real value

Our friendly service team is on hand and on a mission to make you smile!

Frequently Asked Questions on Public Liability Insurance

Small business owners on average in the 2018/19 Financial Year paid around $63.53 per month^ for Public Liability insurance through BizCover. Public Liability Insurance is one of the most common types of insurance for businesses.

When it comes to the pricing of Public Liability insurance, there isn’t a one price fits all. There are a variety of industries and occupations, each with different risk factors that can impact the pricing greatly. Some of these key factors include:

  • The type and nature of your business
  • Your business turnover and size
  • The amount of insurance cover your business needs

Additional factors that determine the cost of your Public Liability insurance policy include:

  • The location of your business
  • What is included and excluded in your policy
  • The insurance provider you choose

The most accurate way to find out the cost for your business is to simply get an instant online quote.

 

*We know, sometimes you just want a quick idea of how much your insurance is actually going to cost.  However, it’s important to note that the data included within this article was sourced from BizCover’s Australia wide customer data for all “pay by the month” public liability policies purchased through BizCover during 2018/19 Financial Year and is intended as a guide only.  It may not reflect pricing for your particular business as individual underwriting criteria will apply.  Get a hassle-free quote for your business here.

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.

While it is not a legal requirement in Australia for most businesses, there are some situations where it may be mandatory for you to have you an active Public Liability policy before you can  operate. For example, it may be a contractual requirement to have before you are allowed “on site”.

No matter how much care you may take, if your business interacts with clients, suppliers or members of the public, there is always the potential for a claim to occur.

You may need to consider Public Liability cover if any of the following apply to your business:

  • You have customers, suppliers or members of the public who visit your business premises, e.g. diners who visit your cafe, or clients who visit your office, whether in a commercial building or home-based office
  • You manufacture and/or sell any kind of products, e.g. food, beauty products, furniture, clothing or household items
  • Working at your client’s site, e.g. a tradesperson carrying out repairs or work in other people’s homes
  • If your business hosts or participates in public events, like a stand at a tradeshow attended by members of the general public

One of the first things to consider when calculating which level of Public Liability insurance your business may need is to think about the risks your business faces and any industry or contractual requirements involved.

While it would be nice to be told the exact amount of cover you should have, the decision is ultimately up to you.

If you work with contracts, these commonly stipulate the minimum amount of Public Liability cover your business must hold to comply with the contract. Professional bodies and industry associations may also require members to maintain a minimum amount of Public Liability insurance to become a member or to meet licensing requirements.

Take the time to consider the amount of work that you perform and the appropriate amount of financial protection you would need in the event a Public Liability claim is made against you.

With BizCover there are three levels of cover (limits of liability) available to select: $5 million, $10 million or $20 million.

The appeal of having the freedom to be your own boss is why so many Australians operate as a sole trader, but it is not one that comes without its own risks. Unlike working for a company, the reality is when things go wrong and a claim is made, you could be held responsible and it’s your back pocket that could be left financially destroyed.

An unplanned event could not only put your personal finances in havoc, but you could end up shutting up shop for good. Fortunately, with the right insurance in place, not only will you have a solid financial safeguard in place, but protection for your hard-earned reputation too.

Public Liability insurance is a popular type of insurance amongst sole traders. As a small business owner you have a legal responsibility to take the right steps to create a safe environment for third-parties when they interact with your business.

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 become injured or sustain property damage as a result of your negligent business activities.

The short answer? No. Each type of insurance provides specific cover for very different kinds of business risks.

Business insurance* is an insurance package designed to provide cover for your business contents, stock, tools and commercial premises when an insured event occurs (such as fire, storm, theft or even accidental damage). A Business insurance package can also cover your portable equipment, glass and for loss of revenue due to business interruption in specified circumstances.  It also offers the option of selecting public liability cover but that is not automatically included.

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 .

If your business manufacturers or sells products you may also need to consider Product Liability insurance. Product Liability insurance* protects your businesses against claims by third parties relating to property damage or personal injury caused by your products.  It typically forms part of a Public Liability policy.

 

Public Liability insurance can be purchased as a stand alone product or as part of a Business insurance package.

One of the first steps you need to take in lodging a claim  (or to report a circumstance which may lead to a claim) is to complete a claim form – please click here to download.

To assist with the processing of your claim and to avoid delays, please attach all the supporting documents you have, which may include original invoices, receipts, manuals, pictures, reports and replacement quotes.

Once you have completed the form, email it to: claims@bizcover.com.au and we’ll manage the process directly with the insurer.

Public Liability and Professional Indemnity insurance both offer different types of cover, for different kinds of risks your business may be exposed to.

Public Liability insurance is designed to provide coverage for legal fees and compensation costs if a customer, member of the public, or a supplier claims against you for injury or damage to their property as a result of your alleged negligent business activity*.

This differs from the type of coverage Professional Indemnity insurance* provides. Professional Indemnity insurance focuses on protecting you against losses claimed by a third party due to alleged or actual negligence or errors in your professional services or advice.  Professional Indemnity insurance will meet the associated compensation payable to a third party together with your defence costs (which can include legal costs, investigator costs and expert fees).

If your business requires having clients visit your premises, or you going to visit them, providing your advice and services, then Public Liability and Professional Indemnity insurance may be two important forms of coverage your business needs to consider.

* This information is general only and does not take into account your objectives, financial situation or needs. It should not be relied upon as advice. As with any insurance, cover will be subject to the terms, conditions and exclusions contained in the policy wording.