What is Product Liability Insurance?

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

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Legal Requirement for Public Liability Insurance

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Public Liability Insurance in Perth

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Public Liability Insurance in Mandurah

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Public Liability Insurance in Rockhampton

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Public Liability Insurance in Hobart

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Public Liability Insurance in Darwin

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Public Liability Insurance in Brisbane

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Public Liability Insurance in Adelaide

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Public Liability Insurance in Port Macquarie

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Public Liability Insurance

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What is Public Liability Insurance?

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How much Public Liability insurance do I need?

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Insurance for Furniture Manufacturers

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Public Liability

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Who is Covered Under an IT Liability Policy?

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Do I need insurance for my market stall?

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Small Business Insurance Index

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BizCover SME Insurance Price Index Q1 FY20

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Dishing up the facts on food business insurance

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

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The Easter Bunny's Guide to Business Insurance

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

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5 Common Beauty Insurance Claims

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The Risks of Growing Your Small Business

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The Art of Being a Creative Small Business

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PI Index: Premiums Decline 10 Straight Quarters

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Top 5 Reasons for Having Professional Indemnity and Public Liability Insurance

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5 Surprising Things Business Insurance Can Cover

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Cyber Liability Insurance: the safety net small businesses need

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What does Public Liability insurance cover?

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Things you didn't know about small business insurance

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5 Reasons to love Personal Accident Cover

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5 insurances every convenience store owner needs to know about

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Insurance for architects- the blueprint to success

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Insurance Considerations for Personal Trainers

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5 Tips for an Insurance Health Check

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6 Areas You May Not Have Thought Business Insurance Covers

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The Risky Business of Insurance

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Common Small Business Insurance Claims and How to Prevent them.

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Small Business Insurance Index Q2: 5 point increase, largest in 10 quarters

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Getting the Best Value on Your Business Insurance

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When it Rains it Pours: Understanding Flood Cover.

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Small Business Insurance: Why you might want to ensure you're covered!

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How the cost of Professional Indemnity insurance is calculated

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Personal Accident and Illness Insurance for Tradies

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Insurance prices remain steady despite market predictions of higher premiums

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Comparing Portable Equipment & Electronic Equipment Cover

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Insurance Premiums for Retailers Continue to Climb

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Small Business Insurance Price Index Q3

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7 Steps for Your Business to Survive and Thrive

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Small Business Continues to Win on Insurance Prices!

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SMEs continue to benefit from low premiums; despite talk of price rises.

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Help Protect your small business' reputation

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How to survive the silly season: a guide for small businesses

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Managing Risk for Tradesmen

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Is your Small Business Summer Proof?

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Professional Indemnity Claims: when should I notify my insurer?

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Tips for making a Stress-Free Claim

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5 Ways To Prepare Your Business Premises For The Cooler Seasons

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Don't be a pork chop - insure your butcher shop

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Customer Spotlight: Elite Words

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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

 

*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.

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: