Public Liability Insurance in Perth

... not covered by a Public Liability insurance policy: Injuries to your employees Damage to your own property Costs of rectifying faulty workmanship Professional negligence Contractual liability Motor vehicle ...

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Public Liability Insurance in Brisbane

... not covered by a Public Liability insurance policy: Injuries to your employees Damage to your own property Costs of rectifying faulty workmanship Professional negligence Contractual liability Motor vehicle ...

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Public Liability Insurance in Adelaide

... not covered by a Public Liability insurance policy: Injuries to your employees Damage to your own property Costs of rectifying faulty workmanship Professional negligence Contractual liability Motor vehicle ...

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Public Liability Insurance in Hobart

... not covered by a Public Liability insurance policy: Injuries to your employees Damage to your own property Costs of rectifying faulty workmanship Professional negligence Contractual liability Motor vehicle ...

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Public Liability Insurance in Darwin

... not covered by a Public Liability insurance policy: Injuries to your employees Damage to your own property Costs of rectifying faulty workmanship Professional negligence Contractual liability Motor vehicle ...

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Public Liability Insurance in Port Macquarie

... 's why you should consider Public Liability insurance to provide the financial protection your business deserves. “Many thanks to Becky for her pleasant and professional service. She made the whole transaction quick ...

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Public Liability Insurance in Rockhampton

... not covered by a Public Liability insurance policy: Injuries to your employees Damage to your own property Costs of rectifying faulty workmanship Professional negligence Contractual liability Motor vehicle ...

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Public Liability Insurance in Mandurah

... not covered by a Public Liability insurance policy: Injuries to your employees Damage to your own property Costs of rectifying faulty workmanship Professional negligence Contractual liability Motor vehicle ...

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How much does Public Liability Insurance Cost?

... such as consultancy occupations. ^ 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 information included within this article ...

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How much Public Liability insurance do I need?

... - stipulating the amount of Public Liability insurance you are required to have to comply with the terms of the cont r act. Many industry associations and professional bodies also require members to obtain and ...

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What is Public Liability Insurance?

... with other people while doing business in any way you should consider P ublic Liability insurance . For example:^ Consultants/Contractors/ Tradespeople who work from home or visit their clients' premises ...

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What is Product Liability Insurance?

... damage as a result of a product defect can be expensive, and without the right Product Liability insurance you could find yourself in hot water. I f you operate as a sole trader, you will potentially ...

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Public Liability

... 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 ...

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Insurance for Yoga Teachers

... that working in some locations may require you to hold particular insurance policies. Insurance for Yoga Teachers Professional Indemnity Insurance* Yoga is a practice which heavily relies on the ...

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Insurance for Sole Traders and Self Emplyed

... and associations. This is common for sole traders who offer professional advice and services who are often required to hold a Professional Indemnity insurance policy*. Whether you own your own business premises, work ...

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Insurance for martial art teachers

... at risk. Even more reason to have appropriate insurance to protect you and your business! Insurance for martial arts teachers Professional Indemnity Insurance * However careful you may be there is ...

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Keep calm and stretch on with Yoga Teacher insurance

... stress of arranging your yoga teacher insurance go. As a yogi or ... business. Let us centre your insurance chakra by exploring some of ... ... that! Let's start with the basics… Professional Indemnity insurance One of the most vital types of insurance policies for yoga teachers is Professional Indemnity insurance. Working in a highly physical role which ...

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A Guide to PI Insurance

... Professional Indemnity Insurance simple (also known as errors and omissions insurance, PI or Professional Indemnity). What is Professional ... as errors and omissions insurance, PI or Professional Indemnity). What is Professional Indemnity Insurance? Professional Indemnity Insurance is a form of business insurance for professionals who are in industries ...

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How the cost of Professional Indemnity insurance is calculated

... how the cost of a Professional Indemnity (PI) insurance policy is calculated and why ... that impact the cost of Professional Indemnity insurance. Insurance Ever wondered how the cost of a 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 ...

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Professional Indemnity Claims: when should I notify my insurer?

Your Professional Indemnity (PI) insurance is no doubt one of ... against your business. Like all insurance policies, there are several important .. 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 ...

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Do I need Professional Indemnity insurance?

... your industry professional body or regulator requires you to hold Professional Indemnity (PI) cover. ... it won't go away. Don't despair. Professional Indemnity insurance is your best defence when faced with a claim. ...

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Professional Indemnity

... at what you do. However, mistakes happen even with the most professional operators . Professional Indemnity (PI) insurance* is an important form of protection for businesses that provide specialist services ...

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Professional Indemnity PPC Landing Page

Why do I need Professional Indemnity Insurance? Nobody is perfect, and we all make mistakes (even professionals!). That's why it's called 'Professional' Indemnity insurance, or PI. It's designed to protect people ...

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Professional Indemnity Insurance for Civil Engineers

... your pearls of wisdom and professional services. Like any profession there ... providing your services. As a professional, considering Professional ... 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 ...

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Additional Cover for Professional Indemnity Insurance

... Fernando for his certificates of insurance - it's just part ... is not only insured with professional indemnity, but also with the additional .. ... expect his business to be covered by professional indemnity insurance to ensure there is cover in place ... damage, it is vulnerable to costly legal action. PI Insurance protects small businesses from this type of action. ...

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What Limit of Professional Indemnity Insurance Do I Need?

... consumers is 'What limit of Professional Indemnity insurance do I need?' While this ... . If you belong to a professional association, it is always ... ; 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 ...

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What is Professional Indemnity Insurance?

... ? No matter how good you are at your job, we're all human and we all make mistakes. Professional Indemnity Insurance allows you to cover yourself if and when you do slip up in your normal course of work. Here ...

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Top 5 Reasons for Having Professional Indemnity and Public Liability Insurance

... should hold and maintain Professional Indemnity and Public Liability insurance. #1 Protection against ... claims of negligence, malpractice and ... membership requirement As a practicing full member of the NHAA you must hold a current Professional Indemnity insurance policy in the appropriate modality/modalities, with a minimum of $2 million coverage (each claim ...

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How Does Professional Indemnity Insurance Benefit You?

If you are a professional and have your own company, ... also be referred to as professional indemnity insurance. Professionals are expected to possess ... own company, then it is advisable that you have professional insurance, which can also be referred to as professional indemnity insurance . Professionals are expected to possess extensive technical knowledge in their ...

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Professional Indemnity Insurance for Consultants

A large number of people that start businesses, in Australia have been experiencing a steady growth in business for the past few years. One area that is growing in magnitude ... a very safe option to assure you are covered in the event that someone files suit against you. Professional Indemnity Insurance works by insuring you the cost of a claim made that is equal to your client's monetary loss ...

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Professional Indemnity for Real Estate Agents

... In the Real Estate Industry Professional Indemnity Insurance provides essential financial protection against ... acts, errors and omissions from professional ... 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 ...

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Misconceptions Around Professional Indemnity Insurance

... misconception is that the claims professional indemnity insurance covers are only the experiences ... ... the 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 ...

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Sometimes Professional Indemnity Insurance is Needed

Professional indemnity insurance is handcrafted to provide coverage ... the policy holder due to professional carelessness or accusations. Sometimes ... 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 ...

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Professional Indemnity Insurance 101: For Allied Health Professionals

... to protect yourself is with professional indemnity insurance. This type of policy provides ... ... 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 ...

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Insurance for Nurses

... policy there is no guarantee that you will be given enough protection. Holding your own Professional Indemnity Insurance (PI) policy is the best way to ensure you are fully covered against financial loss for any ...

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What are the Insurance Options for Land Surveyors?

... yourself and your company with insurance is a smart investment. Land ... ... 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 your business for losses as a ...

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Insurance 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 ...

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PI Index: Premiums Decline 10 Straight Quarters

Business Insurance Premiums Decline 10 Straight Quarters, ... healthy competition in the business insurance market. The BizCover Small Business ... ... rates over the next few quarters.” The combined PI&PL market, which is largely dominated by IT ... As an example, the cost of Professional indemnity insurance for some Allied Health professionals can be as low as $20 per ...

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Insurance for Registered Tax Agents

... an agent may in fact be more than what 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 ...

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Insurance 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 ...

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Insurance for Architects

... to a costly Professional Indemnity claim. Thankfully, Professional Indemnity insurance is designed to ... you know that PI insurance is known as 'claims made' cover, which means you need PI insurance to be in ...

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7 Types of Insurance Your Small Business Should Consider

... is Small Business Insurance. But what kind of insurance do you actually ... ... your business or profession involves providing a service or advice, then Professional Indemnity (PI) Insurance is a must have. It protects professionals against liability for damages, and the legal costs associated with ...

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Insurance for Registered Migration Agents

... 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 ...

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Business Insurance Guide for the Self-Employed - Part 2

Navigating the world of business insurance can be confusing which is ... created a guide to business insurance for the self-employed that ... the ins ... and the potential to earn an income. Professional Indemnity insurance helps bear the on-going legal costs involved ... was paid (and covered by the architect's PI policy) . What is run-off cover? Run ...

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Who is Covered Under an IT Liability Policy?

Information Technology Insurance Professionals in the information technology sector ... ... combine Professional Indemnity (PI), Public Liability and Products Liability to cover the IT professional from a ... insurances in addition to professional indemnity. The benefit of having professional indemnity ...

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

... most common issues with Business Insurance is that policy owners often ... ... a rough idea of what's covered will certainly come 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 ...

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Insurance for Civil Engineers- what you need to know

... about what kinds of business insurance coverage you may need to ... ... 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 ...

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The Risks of Growing Your Small Business

The only strategy that is guaranteed to fail is not taking risks. Mark Zuckerberg There comes a time when every successful enterprise needs to ditch the baby steps ... of themselves, but the primary insurances - public liability and professional indemnity - are crucial. Ignore them ... faulty product. This cover is essential. Professional Indemnity ('PI') is different in that it protects ...

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Understanding Insurance for Physiotherapists

Your clients rely on your expert advice and services as a physiotherapist. You help ease their aches and pains from minor sprains to long-term rehabilitation programs ... , it is a registration requirement for physiotherapists practi s ing within Australia. Professional Indemnity (PI) insurance is designed to respond to claims against your business for losses as a ...

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Understanding Insurance for Graphic Designers

... , that's when your business insurance comes into play. We've ... ... 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 ...

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Understanding Insurance for Interior Designers

... where having the right business insurance in place is vital. Let ... and outs of how business insurance can protect your interior design ... ... 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 ...

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Insurance 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 ...

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Insurance for Project Managers

... you across the country, your Professional Indemnity insurance covers you anywhere in Australia.   ... in the provision of your professional consulting service or advice. PI Insurance will also assist with the ...

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A Broker Divided - Is BizCover's Michael Gottlieb a Threat to Broking or its Future?

... unknown. He started his own insurance brokerage despite never having worked ... in the world selling commercial insurance through an aggregator website ... trying to do was sell insurance - whether it was D&O or professional indemnity - but really focusing on what ... , Gottlieb soon had the ability to offer quotes for PI cover from his three suppliers just 
a few seconds after ...

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Insurance for Disability Workers

... as legal fees, investigation costs, expert fees) Professional Indemnity insurance is a 'claims made' type of insurance, meaning your current Professional Indemnity policy will only respond to claims made against ...

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Insurance for IT Professionals

... be no dispute between insurers as to which policy should respond to a claim. Insurance for IT Professionals Professional Indemnity* The IT world is a fast-changing environment, and whether you're involved in ...

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BizCover expands into New Zealand and launches BizCover.co.nz

... and leading provider of online professional indemnity insurance, has announced today the launch ... years), BizCover.co.nz provides professional indemnity ... platform (over 10,000 policies sold in the past two years), BizCover.co.nz provides professional indemnity insurance for over 100 different professions from New Zealand's leading insurers. BizCover provides a simple ...

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Insurance for Engineers

... wrong. From bridges collapsing to roads rupturing - the consequences (and costs) can be severe. Professional Indemnity insurance is designed to provide your business with a solid foundation when things don't go ...

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Insurance for Allied Health Professionals

... claimed by a third party due to alleged or actual negligence in your professional services or advice.  Your Professional Indemnity insurance will meet the associated compensation payable to the third party together with ...

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Insurance for Accountants

... mistakes, and these errors or omissions could result in financial losses for your clients . Professional Indemnity insurance will protect your business from losses arising out of acts, errors and omissions from a ...

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Insurance for Finance & Mortgage Brokers

... incurred as a result of your actual or alleged negligencefrom the delivery of your professional service. Professional Indemnity insurance will also assist with the legal costs associated with responding to or managing ...

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Insurance for Psychologists

... 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 ...

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Insurance for Social Workers

... that could take a huge toll on your life.. This is where Professional Indemnity insurance comes into play. Professional Indemnity insurance* is an important form of protection for businesses that provide specialist ...

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Insurance for Professionals

... caused financial loss? Luckily there is an insurance policy for that and it's called Professional Indemnity insurance. Professional Indemnity insurance protects you against losses claimed by a third ...

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Insurance for Real Estate Agents

... ensure your reputation doesn't go under the hammer should something go wrong. That's where Professional Indemnity Insurance comes in. It is designed to respond to claims against your business for losses as a ...

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Insurance for Consultants

... exposure , which may affect your personal assets if things go wrong. Insurance for Consultants Professional Indemnity* There are literally hundreds of different consulting professions, yet all are ...

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Insurance for Massage & Alternative Therapies

... must be a recognised provider with the fund. Most health funds require providers to hold a current Professional Indemnity insurance policy with at least $1 million worth of cover, or $2 million if you wish to be ...

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Insurance for Electrical Engineers

... is for a design to not go to plan and the consequences (and costs) can be severe. Professional Indemnity insurance  is designed to protect you against losses claimed against you due to alleged or actual ...

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The Risky Business of Insurance

What are the Real Costs to Australian Small Business? Small business owners tend to be juggling many balls - managing clients, cash flow, staff, stock and future planning ... 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 ...

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Insurance for Civil Engineers

... expectations when it comes to your professional advice and services. This is where Professional Indemnity insurance becomes vital to you and your business. Professional Indemnity insurance is an important form of ...

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Understanding Insurance for Real Estate Agents

... without its risks. From providing professional advice to storing sensitive client ... consider the appropriate kinds of insurance you may require ... property journey , and no matter how much car e you may take mistakes can still occur. Professional Indemnity insurance  is designed to respond to claims against your business for losses as a result of actual ...

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Insurance for Hair & Beauty Services

... against you could be very costly to your business, not to mention damage your reputation. Professional Indemnity insurance is designed to protect your business from losses claims made against you arising from actual or ...

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Insurance for Carpenters

... a third party due to alleged or actual negligence or errors in your professional services or advice. Your Professional Indemnity insurance will meet the associated compensation payable to a third party together with your ...

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Understanding Insurance for Mortgage Brokers

... the appropriate types of business insurance. [] ... as a result of your actual or alleged negligence from the delivery of your professional service.  Professional Indemnity insurance will also assist with the legal costs associated with responding to or managing ...

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Insurance Considerations for Personal Trainers

Working as a personal trainer can be a rewarding career. Not only do you get to help your clients achieve their goals and transform their lifestyles, but it's also the ... were to go wrong because of this advice. To cover yourself against this risk you should consider Professional Indemnity Insurance, which can help protect you for any claims that may arise due to any advice that you ...

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Small Business Index July 2015

SMEs benefiting from declining insurance rates but is the tide ... capacity and competition in the insurance market over the last few ... drive down ... low number of catastrophes and low interest rates, and those with capital chasing returns in insurance.” The Professional Indemnity rates reduced the most this financial year finishing 3% lower. Over the time of ...

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Insurance for Pet Professionals

... third party due to alleged or actual negligence or errors in your professional services or advice.  Your Professional Indemnity insurance will meet the associated compensation payable to a third party together with your ...

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Insurance for Personal Trainers

... , mistakes happen, accusations can be thrown around, and claims are made, whether right or wrong. Professional Indemnity Insurance * is designed to have your back. It protects your business from losses incurred as a ...

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New Territory - how to adapt your real estate business during COVID-19

COVID-19 has had a significant impact on the real estate industry with social distancing and mandatory bans on open homes and auctions. Riding the roller coaster of ... of actual or alleged negligent acts or omissions in the provision of your professional service or advice. Professional Indemnity insurance will also assist with the legal costs associated with responding to or managing ...

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Insurance for Marketing Consultants

... the terms you agree too, including the or KPIs you are expected to meet. Insurance for Marketing Consultants Professional Indemnity* As a marketing consultant, you are expected to wear many hats and each hat ...

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Help Protect your small business' reputation

When it comes to running a small business, your brand and its reputation are priceless. No doubt you've spent countless hours establishing your name by building strong ... your reputation too. And let's face it, we are all human and mistakes do happen. Fortunately, Professional Indemnity insurance is designed to protect your business should you or your staff make an error, omission, or ...

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Insurance for Victorian Plumbers

... or sustain property damage as a result of your negligent business activities Professional Indemnity Professional Indemnity insurance* is an important form of protection for businesses that provide specialist services ...

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Insurance for Plumber

... sustain property damage as a result of your negligent business activities. Professional Indemnity Professional Indemnity insurance* is an important form of protection for businesses that provide specialist services ...

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Insurance for pharmacy and pharmacists

... party due to alleged or actual negligence or errors in your professional pharmac y services or advice.  Your Professional Indemnity insurance will cover the associated compensation payable to a third party ...

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So You Want to Start a Side Hustle? Here's What You Need to Know - Part 2

Welcome back to part 2 of our guide on what you need to know when starting a side hustle. In part 1 we explored some of the steps involved with setting up your side ... third party due to alleged or actual negligence or errors in your professional services or advice.  Your Professional Indemnity insurance will meet the associated compensation payable to a third party together with your ...

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Insurance for architects- the blueprint to success

The career of an architect is an exciting one, yet it's not one without risk. From the ground up, your responsibilities are skyscraper high. Beginning with the first ... , the minimum amount of cover that your state or territory requires. Professional Indemnity Insurance Professional Indemnity insurance should be one of the first projects on your drawing board! Designed ...

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Insurance for Recruitment Consultants

... of actual or alleged negligent acts or omissions in the provision of your professional service or advice. Professional Indemnity Insurance will also assist with the legal costs associated with responding to or managing ...

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Five Tips for Starting your Home-based Business

Sometimes it takes extraordinary circumstances to take the leap of faith to start your own home-based business. The COVID-19 pandemic has made this an option for many ... third party due to alleged or actual negligence or errors in your professional services or advice.  Your Professional Indemnity insurance will meet the associated compensation payable to a third party together with your ...

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

Know you need business insurance but aren't sure how ... while and looking to buy insurance for the first time; there ... ... 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 need a higher level of cover than what is stipulated. Consider ...

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Here’s the lowdown on Public Liability insurance*

As a small business owner you already have lots to worry about. From paying your employees to getting stock delivered on time to generating new work opportunities – the list is endless! But have you taken the time to think about what an accident involving a third party could mean for your business?

As a small business owner, you have a legal responsibility to take reasonable steps for the safety of your customers, suppliers, community and their property. Public Liability Insurance is designed to provide protection for you and your business in the event a customer, supplier or a member of the public are injured or sustain property damage as a result of your negligent business activities.

Public Liability Insurance also provides assistance with the legal costs associated with managing claims that are covered by the policy.

 

Public Liability explained further…

Product Liability explained further…



Independent feedback from our customers rated our service at excellent.

What is typically included?**

Compensation for:

  • personal injury suffered by a third party (e.g. a customer, supplier or member of the public)
  • damage to property owned by a third party due to your negligent business activities
  • legal and defence costs associated with a covered claim
**Many public liability policies also provide cover for product liability.

 

What is typically not covered?* 

  • Injuries to your employees
  • Damage to your own property
  • Costs of rectifying faulty workmanship
  • Professional negligence
  • Contractual liability
  • Events occurring before or after the policy period

 

Download Public Liability Fact Sheet

Your Cover Options 

With BizCover you can choose from 3 limits of liability (levels of cover): $5million, $10 million or $20 million.

Policies are tailored to the unique needs of individual businesses. One business may require a different amount of cover compared to another.

When deciding on how much cover you should have a think about factors like:

*As with any insurance, cover will be subject to the terms, conditions and exclusions contained in the policy wording. The information contained on this web page is general only and should not be relied upon as advice.