Personal Liability And Professional Indemnity Insurance
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Public Liability
... Liability insurance. Product Liability insurance* protects your businesses against claims by third parties relating to property damage or personal ... and services, then Public Liability and Professional Indemnity insurance ...
read moreWhat does Public Liability Insurance cover?
... 50 , 000 ) , and not having Public Liability insurance means you could well end ... Insurance is designed to provide cover for include: Any award or settlement of compensation to a third party due to them sustaining personal ...
read moreHow 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 ...
read moreHow 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 ...
read morePublic Liability Insurance In Rockhampton
... .6% of the working population, followed by Education and Training, an industry that employs 9.8% of ... P ublic L iability insurance cover ? Public Liability insurance covers claims for personal injury suffered by a third ...
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... the financial protection your business deserves. W hat does P ublic L iability insurance cover ? Public Liability insurance covers claims for personal injury suffered by a third party (such as a customer, supplier or ...
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... third largest amount of businesses is Professional Scientific and Technical Services, with 2024 registered ... P ublic L iability insurance cover ? Public Liability insurance covers claims for personal injury suffered by a ...
read morePublic 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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... the financial protection your business deserves. W hat does P ublic L iability insurance cover ? Public Liability insurance covers claims for personal injury suffered by a third party (such as a customer, supplier or ...
read morePublic Liability vs. Professional Indemnity insurance: What’s the difference?
... reading: Do I need Professional Indemnity Insurance? Public Liability insurance: what is typically covered and excluded? Public Liability insurance provides compensation for: personal injury suffered by a third ...
read moreProfessional Indemnity Insurance And Public Liability Insurance
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... and ... personal injury or property damage claims caused by the products sold or supplied by you. Many Public Liability policies include Product Liability cover. Professional Indemnity insurance* : Professional Indemnity ...
read morePublic 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 ...
read morePublic 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 ...
read morePI 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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... Liability insurance Professional Indemnity insurance Business Insurance A business insurance pack can provide cover for your business premises and ... by your personal home & contents policy. Contents insurance provides cover ...
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... Professional Indemnity (PI) Insurance is a must have. It protects professionals against liability for damages, and ... personal assets too. Related: Management Liability Insurance explained 6. Cyber Liability Insurance If ...
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... the cost of replacing broken glass, damaged stock, failed equipment and more! Professional Indemnity insurance* Professional Indemnity (PI) insurance offers protection for businesses that provide specialist services or ...
read moreA practical guide to understanding business insurance
... accidental personal injury or damage to their property. This is usually covered by a Public Liability insurance ... the public and suppliers. Professional Indemnity insurance* Professional Indemnity insurance is designed ...
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... your Professional Indemnity insurance policy: Intentional damage Contractual liabilities Professional fees Known claims and circumstances Fraud and dishonesty 2. Public Liability insurance* Public Liability insurance is ...
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... Contractual liabilities Your professional fees Known claims and circumstances Fraud and dishonesty Why do sole traders and freelancers need to consider Professional Indemnity insurance? Giving professional advice and ...
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... 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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... Liability , Professional Indemnity , Business Insurance packs , Cyber Liability and other insurances* ... policy wording. Public Liability insurance* Compensation for: Compensation costs for the personal injury suffered by ...
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... here. Insurance for Psychologists Professional Indemnity Insurance* Psychologists work hard to hone their professional expertise and to build a reputation, but there is always a risk of professional liability . It ...
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... can help reduce contractor risk. Professional Indemnity Insurance Professional Indemnity insurance is an important component of contractor liability insurance that contractors and subcontractors might consider if they ...
read more8 Facts About Professional Indemnity Insurance
... provision of your professional service or advice. PI Insurance will also assist ... Professional Indemnity insurance, your business and personal finances might be drained before you know it. Professional Indemnity insurance ...
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... We provide a range of competitive insurance options including Professional Indemnity, Public Liability insurance , Business Insurance , Cyber Liability , Management Liability insurance and many more. Jump online or give ...
read moreWhy some tradies should consider Professional Indemnity insurance
... 's the difference between Professional Indemnity insurance and Public Liability insurance? More than 10,000 plumbers, electricians, and carpenters currently sort out their business insurance through BizCover - many of ...
read moreProfessional 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 ...
read moreAdditional Cover for Professional Indemnity Insurance
... also holds extra cover options to her professional indemnity insurance. Lynn purchased public and products liability (PPI) when she started her business selling natural and organic skincare products in 2013. Suppliers ...
read moreProfessional Indemnity for Real Estate Agents
... 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 ...
read more6 areas you may not have thought business insurance covers
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read moreFitrec and Health People
... which can meet the specific needs of fitness professionals. The DUAL Personal Trainer's package includes Professional Indemnity ( PI ) and Public Liability (PL) insurance and provides the option of choosing $1M or $2M ...
read moreTop tips for buying Management Liability Insurance
... 3. Don't confuse Management Liability and Professional Indemnity Insurance Although there are similarities between Management Liability insurance and Professional Indemnity insurance there are also important differences ...
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... Indemnity Insurance can protect against allegations of professional negligence to help safeguard your reputation - peace of mind for you and your business without having to bend over backwards. Public Liability Insurance ...
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... . In other words, your personal assets may be at risk if you don't have the appropriate insurance cover to protect you and your business. Insurance for Makeup Artists Professional Indemnity Insurance* As a makeup artist ...
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... Liability and Professional Indemnity . Business Insurance , Cyber Liability , and ... and possibly your personal ones too). Business Insurance Tips for Australian businesses Now that you understand some common insurance ...
read more5 questions to ask yourself before buying Insurance for your small business
... 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 ...
read moreWhat are the Insurance Options for Land Surveyors?
... In order to protect the business and ensure the land surveyor has the legal support required to defend their rights, Professional Indemnity Insurance can be crucial. PI insurance is designed to respond to claims against ...
read moreA Mumpreneurs Guide to Understanding Business Insurance
... 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. Professional Indemnity insurance ...
read moreThe Remaining Risk: What Isn’t Covered and Why it Matters
... 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 ...
read moreUnderstanding Insurance for Interior Designers
... these, Professional Indemnity insurance can help protect your business. Professional Indemnity (PI) insurance is ... tools of trade and items of stock. Personal Accident and Illness insurance* Your health and wellbeing are ...
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... for physiotherapists practising within Australia. Professional Indemnity (PI) insurance is designed to respond to ... when you take out a Business Insurance policy. Personal Accident and Illness insurance* You might be in the ...
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... in the event of a costly claim. It is vital to know the difference between Professional Indemnity and Public Liability insurance, as these are two very different covers that offer protection for different types of risks ...
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... and there is always the risk of an unhappy client making a claim. This is why Professional Indemnity insurance is an important coverage to consider. Professional Indemnity (PI) insurance ... Personal Accident and Illness ...
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... project management services Architect and Architectural consulting services Did you know? Even if your projects take you across the country, your Professional Indemnity insurance covers you anywhere in Australia ...
read moreBusiness Insurance Guide for the Self-Employed – Part 2
... and outs of Professional Indemnity insurance. What is Professional Indemnity insurance*? Professional Indemnity insurance ... . Without the protection of Professional Indemn it y insurance , personal assets like your home may ...
read moreInsurance 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 ...
read moreUnderstanding business insurance for bookkeepers
... costs What is typically not covered?* Intentional damage Contractual liabilities Professional fees Known claims and circumstances Fraud and dishonesty Public Liability insurance* As a small business owner, you have a ...
read moreWhat is Management Liability Insurance and Who Needs It?
... Known claims and circumstances. Management Liability Insurance vs. Professional Indemnity Insurance While there are some similarities between Management Liability insurance and Professional Indemnity insurance , there ...
read moreInsurance for Finance & Mortgage Brokers
... the policy. Professional Indemnity policies are available through BizCover that can meet the requirements of RG210. Public Liability* Public Liability insurance is a no-brainer for finance and mortgage brokers. Regular ...
read morePublic Liability Insurance WA
... in sured 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 occupations ...
read moreDo 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 ...
read moreA sole traders guide to understanding Public Liability Insurance
... Liability insurance policy will typically provide compensation for: Personal injury ... professional boards and organisations If you work on contracts, part of your agreement may be that you have Public Liability insurance ...
read morePublic Liability Insurance Scenario
... 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 ...
read morePublic Liability Insurance 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 ...
read moreHow much does Public Liability Insurance cost for Tradesmen?
... ,000 can expect to pay around $50 or less per month for Public Liability insurance. However, increase the turnover to $250,000 or more, and the premium increases to >$133 per month. *Data based on NSW BizCover customers ...
read moreTop 5 reasons for having Professional Indemnity and Public Liability insurance
... 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 ...
read more5 tips for getting the best Public Liability insurance for your business
... state/territory, industry association, professional memberships, and contractual agreements Be aware of local laws regarding requirements for holding Public Liability insurance. Each state and territory has their own ...
read moreLegal 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 ...
read morePublic Liability Insurance in QLD
... Public Liability cover: Professional Indemnity Business Insurance Cyber Liability Personal Accident & Illness Why choose BizCover for your QLD Public Liability insurance? Built for small business We know insurance and ...
read moreDoes Public Liability insurance cover employees?
... Liability cover contractors. What does Public Liability insurance cover? Public Liability (also referred to as Personal Liability) covers you and ... a loss. However, Professional Indemnity insurance (PI) may cover this. As ...
read more5 Things to Consider When Buying Public Liability Insurance
... S tate'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 you ...
read moreWhat tradies need to know about Public Liability Insurance
... also put your personal assets at risk of being lost too. You need to also consider the impact a claim may have on your tradie business' reputation as well. Not having Public Liability insurance in place and being able to ...
read moreNew Public Liability-1b
... the policy. Get Public Liability insurance under a minute Search for occupation and compare quotes Notice: ... employees. Claims from a third-party can be for personal injury or damage caused to their property caused by your ...
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... the policy. Get Public Liability insurance under a minute Search for occupation and compare quotes Notice: ... employees. Claims from a third-party can be for personal injury or damage caused to their property caused by your ...
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read morePublic 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 ...
read moreHow much does Public Liability Insurance Cost for Restaurants & Cafe?
... is the average premium for Public Liability insurance? On average, in 2021/22 restaurant and cafe owners in NSW could expect ... and a higher risk involved. Employees can make mistakes at work leading to third party personal ...
read morePublic Liability Insurance for Cabinet Makers
... . 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 ...
read moreClaim 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 ...
read moreWhat’s the difference between Public and Product Liability insurance?
... their personal property e.g., accidentally spilling a coffee on their laptop A supplier visits your business premises and falls down the stairs injuring themselves What is Product Liability insurance*? Product Liability ...
read more5 ways to protect your business from liability risks
... can reduce the risks to your business and protect from liabilities by embracing customer complaints, employee feedback, internal and external surveys, and professional advice from risk management consultants. 5. Protect ...
read moreInformation 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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... 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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... business plan should have a focus on risk management strategies and protect ion for your business for the long haul. From ... or personal injury caused by your products. What does Public Liability Insurance typically cover ...
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New Public Liability-1b-v2
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New Public Liability-1a-v2
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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 ...
read moreInsurance for Tradesmen
... a helping hand. Professional Indemnity insurance covers you for losses claimed by a third party and defence costs due to alleged or actual negligence in your professional services or advice. Personal Accident & Illness ...
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... . 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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... does 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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... 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 ...
read moreInsurance for Cafes
... with your Public Liability policy and protects your business for personal injury or property damage claims caused by your products. Public Liability Insurance* Do you need Public Liability insurance? The short answer ...
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... . You are required to have your Professional Indemnity insurance with an adequate level of cover for your practice, and which includes the following: Civil liability cover Appropriate retroactive cover for otherwise ...
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... event you were to suffer an injury or illness, on or off the job. Personal Accident and Illness insurance can cover loss of income, permanent disablement and even death if you are unable to work as a result of illness or ...
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... . Select your preferred policy and you'll be covered instantly ... liability exposure, which may affect your personal assets if things go wrong. What types of insurance do consultants often consider? Professional Indemnity ...
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... 's leading insurers. Just select your preferred policy and you'll be covered in a jif! Did you ... personal assets if things go wrong. What are the most common insurance policies for cleaners? Public Liability Insurance ...
read moreInsurance 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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... it is usually a requirement to hold Public Liability insurance and Glass cover before signing a lease. Your landlord ... your premises, in transit or in your personal custody. Machinery Breakdown* - essential cover for ...
read moreReviews related to Personal Liability And Professional Indemnity Insurance
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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.
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:
- Trades
- Professionals
- Wholesalers
- Manufacturers
- Travel and tourism
- Office based
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
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
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?
Built for small business
We know insurance and what makes small businesses tick
Clear and competitive pricing
You can compare and choose from a range of highly competitive prices right there on your screen. Seriously.
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!
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.