PI Insurance For Earthmoving
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Public Liability Insurance In Rockhampton
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read morePublic Liability Insurance Explained
... also be a legal requirement to have Public Liability insurance in place before starting on the job. Sometimes ... lawyer) of $30,000. Without the public liability insurance, the graphic design business would have been liable ...
read moreWhat does Public Liability Insurance cover?
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read moreHow much Public Liability insurance do I need?
... and maintain a minimum amount of Public Liability insurance for membership or to meet licensing requirements. ... not be relied upon as advice. *As with any insurance, cover will be subject to the terms, conditions and ...
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... cause injury or property damage to clients or members of the public. It is important to note that each insurance company assesses risk in different ways. What one insurer may consider as a high-risk occupation may not be ...
read morePublic Liability
... 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 ...
read moreThe definitive guide to earthmoving equipment
... . BizCover can help with that. We offer business insurance* for earthmoving businesses , including Public Liability Insurance . Learn more about earthmovers insurance, or call 1300 920 864 to discover how we can help ...
read moreTop 6 mistakes earthmoving businesses make and solutions
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read moreEarthmoving and Excavators Insurance
... over 220,000 Australian small businesses Compare quotes from our trusted insurance partners: What is earthmoving insurance? Earthmoving contractors and excavation businesses are a vital part of Australia's construction ...
read moreHow much does Public Liability Insurance cost for Tradesmen?
... Mowing Service Fencing Contractor Earthmoving Contracting Labouring - Contract Plastering and Ceiling Services Plasterer Commercial Air Conditioner Installation and Repair *As with any insurance, cover will be subject ...
read moreCash flow vs. profitability: What is more important?
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read more8 Facts About Professional Indemnity Insurance
... designing custom solutions, or representing someone else's interests on their behalf. Professional Indemnity (PI) insurance offers protection for businesses that provide specialist services or professional advice. It is ...
read moreLegal requirements for Professional Indemnity insurance
... . What is Professional Indemnity* insurance? Before we answer the question, “Is Professional Indemnity compulsory?”, let's review what this type of coverage does. Professional Indemnity (PI) insurance protects businesses ...
read moreHow the cost of Professional Indemnity insurance is calculated
... Professional Indemnity (PI) insurance policy is calculated and why one profession can often cost more than another? We look some of the key factors that that impact the cost of Professional Indemnity insurance. Insurance ...
read moreHow much does Professional Indemnity Insurance Cost for Accountants?
... over can have an impact on the cost of your Professional Indemnity policy. Generally, the higher the revenue your business generates, the higher your PI insurance premium will most likely be. For example, an accountant ...
read moreProfessional Indemnity claims: when should I notify my insurer?
Your Professional Indemnity (PI) insurance is no doubt one of the most vital covers you have for your business. If things don't quite go to plan it can provide much needed financial assistance for legal and compensation ...
read moreHow much does Professional Indemnity Insurance Cost for Real Estate Agents?
How much does Professional Indemnity Insurance cost for Real Estate Agents? Professional Indemnity (PI) insurance is one of the most essential forms of cover for Real Estate Agents due to the potential for losses that ...
read moreThe benefits of Professional Indemnity insurance
... business owners strive to achieve. Firstly, let's explain what Professional Indemnity insurance is Professional Indemnity (PI) insurance offers protection for businesses that provide specialist services or professional ...
read moreProfessional Indemnity Insurance for Civil Engineers
... construction of structures typically used by the general public. What is Professional Indemnity insurance? Professional Indemnity (PI) insurance * is an important form of protection for businesses that provide specialist ...
read more7 things accountants need to consider when applying for Professional Indemnity insurance
... Chartered Accountants ANZ you are required to provide information on your professional indemnity insurance. CA ANZ requires that professional indemnity covers each principal for at least $1 million value. CPA Australia ...
read moreA Guide to PI Insurance
... is to make Professional Indemnity Insurance simple (also known as errors and omissions insurance, PI or Professional Indemnity). What is Professional Indemnity Insurance? Professional Indemnity Insurance is a form of ...
read moreDo I need Professional Indemnity insurance?
... or regulator requires you to hold Professional Indemnity (PI) cover. Some professions in ... ignoring it won't go away. Don't despair. Professional Indemnity insurance is your best defence when faced with a claim. You ...
read moreProfessional Indemnity Insurance cost
... performing, and do they have a previous history of claims? Your individual claims history Professional Indemnity (PI) insurance is an essential form of protection for businesses that provide specialist services or advice ...
read moreHow much does Professional Indemnity Insurance Cost for IT professionals?
... revenue your business generates, the higher your PI insurance premium will most likely be. For example ... is important to understand that the cost of Professional Indemnity insurance is not influenced by one factor alone, ...
read moreAdditional Cover for Professional Indemnity Insurance
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read moreWhat you need to consider when purchasing Professional Indemnity insurance
... can save a lot of confusion in the event that you may need to make a claim. 3. How much Professional Indemnity insurance cover do I need? Each business is different with their own factors that can determine the amount of ...
read moreWho needs Professional Indemnity insurance?
... a further look at the nitty-gritty of all things Professional Indemnity insurance. What is Professional Indemnity insurance? Professional Indemnity insurance is designed to respond to claims against your business for ...
read moreWhy some tradies should consider Professional Indemnity insurance
... you may not think it'll happen, each of these situations pose a risk to your business. Luckily, Professional Indemnity insurance is designed to protect you from these risks so you can get back to doing what you do best ...
read moreWhat are the potential risks if I cancel my Professional Indemnity cover?
... . So, by cancelling your cover, you run the risk of breaching your agreements. From the date your Professional Indemnity insurance is cancelled you will have no cover in place for any past, present, or future services or ...
read moreTop 5 reasons for having Professional Indemnity and Public Liability insurance
... national professional association such as the NHAA. Health funds also require providers to hold a current Professional Indemnity insurance policy. So, in a nutshell, to become a practicing full member of the NHAA, which ...
read moreProfessional Indemnity Insurance
... partners: What's included & what's not? Professional Indemnity Insurance Cost Professional Indemnity insurance Professional Indemnity insurance is designed for professionals who provide a specialist service or advice ...
read morePublic Liability vs. Professional Indemnity insurance: What’s the difference?
... customers or the public Recommended reading : Do I need Public Liability Insurance? Do I need Professional Indemnity insurance? Professional Indemnity insurance is an important form of cover to consider for: Anyone who ...
read moreProfessional Indemnity Insurance And Public Liability Insurance
... on hand and on a mission to make you smile! Frequently Asked Questions on Professional Indemnity Insurance Professional Indemnity insurance * can protect those who provide professional advice or services to their clients ...
read moreAccountant saved from paying $200K with Professional Indemnity Insurance: A Case Study
... covered for a $221 000 payment after the Tax Office fined a client. The firm was insured with a Professional Indemnity Policy to the value of $2 million dollars with DUAL. Missing capital gains in a client’s tax return ...
read moreProfessional Indemnity Insurance 101: For Allied Health Professionals
... 's essential their lives are also properly protected. One of the best ways to protect yourself is with professional indemnity insurance . This type of policy provides cover for people who risk legal action as a result of ...
read moreProfessional Indemnity Insurance 101 for Allied Health and Alternative Therapy Professionals
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read moreWhat Limit of Professional Indemnity Insurance Do I Need?
... ; some provide Defence Costs in addition to the limit of Professional Indemnity insurance . You need to ensure your limit of Professional Indemnity Insurance is adequate to encompass both the claim and the costs in ...
read moreSometimes Professional Indemnity Insurance is Needed
... that any potential policy holder needs to consider when deciding upon whether or not they should buy professional indemnity insurance is the potential financial loss that can occur as a result of legal fees whether or ...
read moreHow Does Professional Indemnity Insurance Benefit You?
... use the degree of skill, which is expected from them. Purpose of Professional Indemnity Insurance The primary purpose of professional insurance is to protect the professionals against any financial losses from lawsuits ...
read moreWhat is Professional Indemnity Insurance?
... the types of events which may result in a Professional Indemnity insurance claim. Professional Indemnity Insurance defined Professional Indemnity insurance protects professionals against claims of negligence or breach of ...
read moreWhat does Professional Indemnity Insurance cover?
... the chance of a claim occurring is real, no matter how good you are at your profession. Professional Indemnity insurance is designed to protect you from a wide range of potential risks. Even seemingly small errors, could ...
read moreProfessional Indemnity for Real Estate Agents
... licenses under the Property, Stock and Business Agents Act 2002 hold a minimum of $1 million Professional Indemnity Insurance with a number of set policy inclusions. 1 Even with this requirement, it is worthwhile looking ...
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... expensive. The last thing you want is for frivolous lawsuit to end your small business dreams. Professional Indemnity insurance can help protect your bank accounts, so you can continue serving your clients. Are you ready ...
read moreMisconceptions Around Professional Indemnity Insurance
... word can spread like wildfire over the internet and community. This is where the value of professional indemnity insurance can be recognized. If you were somehow involved in consulting or advising a client and they have ...
read moreClaim for Professional Indemnity
... Easy online claims form Need help? Call 1300-249-268 Compare quotes from our trusted insurance partners: Professional Indemnity It's important to notify your insurer as soon as possible of all actual and potential ...
read moreBizCover adds Ando Insurance to its NZ business insurance platform
... and Business Interruption (MDBI) cover on the BizCover platform. “Ando is a fantastic addition to our SME insurance platform,” says Jane Mason, BizCover's Head of Product, Channels & Risk. “Their initial offering adds a ...
read moreInsurance for Registered Tax Agents
... is set as the minimum requirement. ^Minimum PI insurance requirements source from TPB tpb.gov.au/professional-indemnity-insurance-tax-agents on 8 August 2019 What could cause a PI claim? Errors and discrepancies on tax ...
read moreHow much does Combined Liability Insurance Cost for Allied Health Professionals?
How much does Combined Liability Insurance cost for Allied Health Professionals? Professional Indemnity (PI) insurance is one of the most important types of cover for all allied health professionals due to the potential ...
read moreInsurance for Bookkeepers & BAS Agents
... , 2011, the Tax Practitioners Board required Bookkeepers and BAS Agents to have Professional Indemnity (PI) insurance. Professional Indemnity insurance coverage helps to reduce the risk that an Agent will be made liable ...
read moreBusiness Insurance in Townsville
... 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 professional ...
read more5 questions to ask yourself before buying Insurance for your small business
... property damage as a result of your negligent business activities. Professional Indemnity insurance Professional Indemnity (PI) insurance offers protection for businesses that provide specialist services or professional ...
read moreInsurance for Electricians
... like this when you'll be glad to have a Public Liability policy! Professional Indemnity Insurance* Professional Indemnity (PI) insurance covers electricians for losses claimed by a third party & defence costs due to ...
read moreInsurance for HR Consultants
... HR consultants need? There are many types of insurance that HR consultants may consider, such as: Professional Indemnity insurance Professional Indemnity (PI) insurance is an important form of protection for businesses ...
read moreGuide to Physiotherapy Business insurance
... provide vital protection, it is a registration requirement for physiotherapists practising within Australia. Professional Indemnity (PI) insurance is designed to respond to claims against your business for losses as a ...
read moreUnderstanding Insurance for Graphic Designers
... of an unhappy client making a claim. This is why Professional Indemnity insurance is an important coverage to consider. Professional Indemnity (PI) insurance is a form of protection for businesses that provide specialist ...
read moreUnderstanding Insurance for Interior Designers
... unhappy client to make a claim. In scenarios like these, Professional Indemnity insurance can help protect your business. Professional Indemnity (PI) insurance is an important form of protection for interior designers to ...
read moreInsurance for Land Surveyors
... with safety standards and recording the correct measurements of properties and sites. That is why Professional Indemnity (PI) insurance is an important form of protection for surveyors. It is designed to respond to ...
read moreHow real estate agents could save on their business insurance
... real estate agents may consider purchasing to reduce their exposure to risk. Professional Indemnity insurance Professional Indemnity (PI) insurance * could help protect you in such situations because it is designed to ...
read morePI And PL Insurance
... on hand and on a mission to make you smile! Frequently Asked Questions on Professional Indemnity Insurance Professional Indemnity insurance * can protect those who provide professional advice or services to their clients ...
read morePI Index: Premiums Decline 10 Straight Quarters
... rates over the next few quarters.” The combined PI&PL market, which is largely dominated by IT ... any further. As an example, the cost of Professional indemnity insurance for some Allied Health professionals can be as low ...
read moreInsurance for Architects
... lead to a costly Professional Indemnity claim. Thankfully, Professional Indemnity insurance is designed to ... Did you know that PI insurance is known as 'claims made' cover, which means you need PI insurance to be in ...
read moreInsurance for Registered Migration Agents
... or advice. PI Insurance also helps with the costs associated with responding to or managing claims covered by your policy. Tip: Migration Alliance members receive a discount of on Professional Indemnity policies with ...
read more7 Common Types of Small Business Insurance
... business! Related: Public Liability Insurance explained 2. Professional Indemnity Insurance If your business or profession involves providing a service or advice, then Professional Indemnity (PI) Insurance is a must have ...
read moreWhat are some types of insurance available for small businesses?
... If your business delivers professional services or advice, then Professional Indemnity insurance is a business insurance to consider. Professional Indemnity (PI) insurance* is a form of protection for businesses that ...
read moreBusiness Insurance
... provides protection for legal and defence costs associated with a covered claim . Professional Indemnity (PI) insurance* provides protection for businesses that provide specialist services or professional advice. It is ...
read moreBusiness Insurance Guide for the Self-Employed – Part 2
... of Professional Indemnity insurance. What is Professional Indemnity insurance*? Professional Indemnity insurance is ... of $250,000 was paid (and covered by the architect's PI policy) . What is run-off cover? Run-off cover ...
read moreInsurance for Allied Health Professionals
... & PI cover Compare quotes from our trusted insurance partners*: Combined Liability Insurance cost ... your professional services or advice. Your Professional Indemnity insurance will meet the associated compensation payable ...
read moreWhat are the Insurance Options for Land Surveyors?
... 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 your business for losses as a result ...
read moreInsurance for Nurses
... Did you Know? The Nursing and Midwifery Board of Australia has set minimum requirements for Professional Indemnity Insurance (PI) for all enrolled nurses, registered nurses and midwives. You are required to have your ...
read moreInsurance for Recruitment Consultants
... take out Professional Indemnity insurance for your recruitment agency. This insurance offers protection for ... provision of your professional service or advice. PI Insurance will also assist with the legal costs associated ...
read moreA Mumpreneurs Guide to Understanding Business Insurance
... most experienced professionals can make accidental mistakes, and that’s where Professional Indemnity insurance can help. Professional Indemnity (PI) insurance * is a vital form of protection for businesses that provide ...
read moreInsurance for Civil Engineers – what you need to know
... on your business. Professional Indemnity insurance Professional Indemnity insurance is a type of insurance coverage selected by professionals, including civil engineers. Professional Indemnity (PI) insurance* is an ...
read moreInsurance for Project Managers
... Professional Indemnity insurance covers you anywhere in Australia. Get the cover for your business Professional Indemnity ... your professional consulting service or advice. PI Insurance will also assist with the legal ...
read moreThe risky business of insurance
... PL Professional Indemnity - ... protects against losses for any legal action taken against your business for advice or services you have provided. All businesses providing advice should have PI Business Insurance ...
read moreDoes Public Liability insurance cover employees?
... negligence where a client alleges that your advice or service caused them a loss. However, Professional Indemnity insurance (PI) may cover this. As stated above, PL does not cover injuries caused by your employees ...
read moreWhat is run-off insurance and who needs it?
... purchased once for a selected period of time by the insured. If you need to get your Professional Indemnity or Run-Off insurance sorted for your business today, get in touch with BizCover today. We provide multi-year Run ...
read moreAllied 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 ...
read moreInsurance for Consultants
... consulting professions, yet all are required to provide a professional service or specialist advice. Professional Indemnity insurance is designed to protect you from losses claimed by clients that are incurred as a ...
read moreInsurance for Psychologists
... assets if something does go wrong. Even if you're not at fault, Professional Indemnity insurance may be able to assist you. Professional Indemnity insurance is there to give you peace of mind if claims arise as a result ...
read moreUnderstanding business insurance for bookkeepers
... the minimum level of coverage which you are expected to have in place. We will explore Professional Indemnity insurance in greater detail below, outlining the basic details of what the coverage provides. These are some ...
read moreUnderstanding insurance for recruitment consultants
... Let's take a look at the importance of the different kinds of business insurances you need to think about. 1. Professional Indemnity insurance * As a recruitment consultant, you have the skills and expertise to match the ...
read moreInformation Technology Liability Insurance
... is 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 ...
read moreReviews related to PI Insurance For Earthmoving
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easy and simple to set up
Kendon H
Earthmoving Contracting -
Simple, quick, very convenient
Heath C
Earthmoving Contracting -
very nice
Tristan H
Earthmoving Contracting -
Wow quick and easy
Andrew W
Earthmoving Contracting -
Easy & intuitive website for generating multiple professional indemnity quotes. Good personal follow-up by friendly brokers.
Malindi M
Management Consulting Service -
Bizcover makes professional insurance easy. Good selection of insurance varieties and options. Easy to review, change and renew. Competitive rates.
Darren J
Real Estate Agency Service
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.