Public And Product Liability Insurance Quote

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Public Liability Insurance In Perth

... suppliers and the community and for their property. Most Public Liability policies also extend to cover Product Liability. ... the various industries and occupations Public Liability insurance can cover, the cost of it can ...

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Public Liability Insurance In Brisbane

... suppliers and the community and for their property. Most Public Liability policies also extend to cover Product Liability. ... the various industries and occupations Public Liability insurance can cover, the cost of it can ...

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How much does Public Liability Insurance Cost?

... underwriting 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 ...

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Public Liability Insurance In Rockhampton

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Public Liability Insurance In Port Macquarie

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Public Liability Insurance In Mandurah

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Public Liability Insurance In Hobart

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Public Liability Insurance In Darwin

... suppliers and the community and for their property. Most Public Liability policies also extend to cover Product Liability. ... the various industries and occupations Public Liability insurance can cover, the cost of it can ...

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Public Liability Insurance In Adelaide

... suppliers and the community and for their property. Most Public Liability policies also extend to cover Product Liability. ... the various industries and occupations Public Liability insurance can cover, the cost of it can ...

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Public Liability Insurance Explained

... cover for product liability. Related: What does Public Liability insurance cover? What does Public Liability insurance typically not cover? Personal injuries to you or your employees Damage to your own property Costs ...

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How much Public Liability insurance do I need?

... to your negligent business activities; and 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 ...

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Public Liability

... insurance partners*: Compare quotes from our trusted insurance partners: Public Liability Insurance Cost What's included & what's not? Get the right cover FAQ's Public Liability insurance Public Liability insurance ...

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What does Public Liability Insurance cover?

... public liability claims can be very expensive (the example above could easily cost well over $ 50 , 000 ) , and not having Public Liability insurance ... key things Public Liability Insurance is designed to provide cover for ...

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Product Liability Insurance

... third party, and your defence costs (these are the reasonable costs incurred while investigating and defending a covered claim including legal fees, experts fees and court costs). Product Liability insurance is there to ...

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Does Public Liability insurance cover employees?

... between Public Liability and workers compensation Public Liability and Workers Compensation are similar in that both are insurance for employees policies that cover personal injury. Both policies cover legal costs and ...

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Legal Requirement for Public Liability Insurance

... the products you sell and the facilities you maintain still carry a degree of risk and should have a public liability policy of some nature. What Does Public Liability Insurance Cover? Broadly, public liability insurance ...

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Public Liability Insurance VIC PPC

... monthly or annually Compare quotes from our trusted insurance partners: Public Liability Insurance Cost What's included & what's not? Get the right cover FAQ's Here's the lowdown on Public Liability insurance* As a small ...

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Public Liability Insurance NSW

... 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? Frequently Asked Questions Public Liability insurance is a crucial ...

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Public Liability Insurance Scenario

... cover your business against accidents is a relatively simple process. Purchasing public liability insurance online, where quotes are instant and ... traditionally time-and-cost-sapping process of buying business insurance is ...

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Public Liability Insurance NSW

... 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? * As with any insurance, cover will be subject to ...

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Public Liability Insurance in QLD

... ), and the amount of cover you require. When you compare Public Liability insurance from different insurers, you can get a clearer idea of how much cover will cost for your business. Get instant Public Liability quotes ...

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Public Liability Insurance WA

... of your negligent business activities. Public Liability insurance is designed to cover compensation payments to a third party and legal costs associated with the claim (including defence costs). What if a customer was ...

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Information Technology Liability Insurance

... 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 claims ...

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Public Liability Insurance QLD

... 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? *As with any insurance, cover will be subject to the ...

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Allied Health Combined Liability Insurance

... Liability insurance product includes protection for Professional Indemnity and Public Liability insurance* and ... Indemnity and Public Liability insurance provide cover for. Professional Indemnity Insurance A Professional ...

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Do I Need Public Liability insurance?

... Public Liability insurance gives you extra peace of mind against potentially stressful, time-consuming and costly legal claims. Some things you may be covered for include: Legal costs ... products, Public Liability insurance ...

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Cyber Liability Insurance

... at excellent. What does Cyber Liability insurance typically cover? Cyber liability insurance is a type of business insurance which protects your business against both the legal costs and expenses related to cybercrime ...

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Insurance for Bakers

... Trusted by over 220,000 small businesses Public and Product Liability insurance Pay by the month and policy documents that can be emailed instantly Compare quotes from our trusted insurance partners*: Why do bakers need ...

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Who is Covered Under an IT Liability Policy?

... /Data; Defence Costs associated with covered claims. What about Products and Public Liability? As part of the coverage under IT Liability policies, many insurers also provide products and public liability for claims ...

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Insurance for Furniture Manufacturers

... liability claim. Public and Product Liability (often sold together) are two types of business insurance to consider when it comes to protecting your business. Public Liability insurance ... insurance covers the cost to ...

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Insurance for Furniture Manufacturers: A Guide

... liability claim. Public and Product Liability (often sold together) are two types of business insurance to think about when protecting your business. Public Liability insurance ... breakdown insurance covers the cost to ...

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Do I need insurance for my market stall?

... of two types of cover - Public Liability and Product Liability . Public Liability Public Liability covers you for the costs that arise from claims for legal liability if a member of the public or another stallholder is ...

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Insurance for Manufacturers

... you are potentially exposed to many financial and legal risks. Regardless of the types of products you manufacture, Public and Product Liability insurance is an important form of cover. It is designed to protect your ...

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Do online businesses need insurance?

... in the policy. Along with Business Insurance you may consider Product Liability insurance for your online business. This typically forms part of a Public Liability policy and protects your business against claims by ...

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Insurance for Tradesmen

... and Portable Equipment cover Trusted by over 220,000 small businesses Pay by the month option & policy documents emailed instantly Compare quotes from our trusted insurance partners*: Public Liability Insurance cost ...

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Business Insurance

... assist with the legal costs associated with responding to or managing claims which are covered by the policy.  Product Liability insurance* commonly forms part of a Public Liability insurance policy, providing protection ...

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New Public Liability-1b

... Liability Insurance also provides assistance with the legal costs associated with managing claims that are covered by the policy. Get Public Liability insurance under a minute Search for occupation and compare quotes ...

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New Public Liability-1a

... Liability Insurance also provides assistance with the legal costs associated with managing claims that are covered by the policy. Get Public Liability insurance under a minute Search for occupation and compare quotes ...

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New Public Liability-1c

... Liability Insurance also provides assistance with the legal costs associated with managing claims that are covered by the policy. Get Public Liability insurance under a minute Search for occupation and compare quotes ...

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Insurance for Hair & Beauty Services

... business insurance will cost for your hair and beauty business click here to get a quote or have a chat to our friendly team.If you have clients visiting your home-based salon for example, Public Liability insurance is ...

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Business Insurance FAQs

... does public liability insurance cover? Do I need public liability insurance? How much public liability insurance do I need? How much does public liability insurance cost? How much does public liability insurance cost for ...

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Business Insurance in Bunbury

... circumstances.  In addition, cover is available for public liability, tax audit, employment practices and statutory liability risks. Business Insurance is an insurance package designed to provide cover for your business ...

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Dishing up the facts on food business insurance

... Public Liability insurance is designed to protect your business against such claims by covering your legal and defence costs, and ... and ovens to produce your final product. That's why protecting them with the right cover ...

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PI And PL Insurance

... Public Liability cover? How much will my business insurance cost? We've heard them all! BizCover is on a mission to make understanding insurance and covering your small business easy as. With essential cover like Public ...

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Business Insurance Perth

... of some of the different types of business insurances your Perth business may require: Public Liability: This covers legal fees and compensation costs if a customer, member of the public, or a supplier claims against you ...

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Home Based Business Insurance

... from some of Australia's leading insurers Compare quotes from our trusted insurance partners: Public Liability Insurance Cost What's included & what's not? Get the right cover FAQ's Why do Home Based Businesses need ...

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Professional Indemnity Insurance

... prior to the period of insurance Acts of fraud and dishonesty Accidental injury and property damage ( these kind of claims would typically be covered by Public Liability insurance ) How Much Cover Should I have ? With ...

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How to Reduce Product Liability Risks

... Product Liability insurance can help. Product Liability insurance provides financial protection if a Product Liability litigation case is bought against your business. This financial protection can help cover the costs ...

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Public Liability Insurance for Cabinet Makers

... you to help determine what you may or may not be responsible for. Your Public Liability insurance covers your reasonable legal costs, even if you are not found negligent. At BizCover we care about helping Australia ...

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Management Liability Insurance

... action (except under the Crime section) Known claims and circumstances Management Liability Insurance Fact Sheet Levels of Cover With BizCover you can choose policies with cover between $1m to $5m. When deciding on the ...

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Insurance for Nurses

... and managing claims covered by your policy. Another benefit of Professional Indemnity insurance is that it can assist you if you are subject to disciplinary action as a result of your nursing activities. Public Liability ...

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Insurance for Civil Engineers

... faced with include things like errors and omissions, miscalculations, and not being able to meet the ... costs associated with responding to or managing claims which are covered by the policy. Public Liability Insurance ...

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Insurance for Landscapers

... 220,000 small businesses Public Liability and Portable Equipment cover for tools No paperwork, no hassles Compare quotes from our trusted insurance partners*: Why do Landscrapers need insurance? Whether you're building ...

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Business Insurance Savings

... Compare quotes from our trusted insurance partners*: Insurance for small business Not sure what type of cover to get? Small businesses often consider these types of insurance. Public liability insurance Covers you ...

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Does your lash business need salon insurance?

... compensation to the harmed party and your defence costs (such as legal costs, expert fees, and investigator costs). Public Liability - This type of insurance covers legal fees and compensation costs if a customer, member ...

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Statutory Liability*

... & what’s not Things to consider Back to Business Insurance Statutory Liability* Statutory Liability insurance covers the company, senior management and employees for allegations of wrongful breaches of key legislation in ...

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How to set and negotiate consulting fees

... covered online in minutes with BizCover. With business insurance options tailored to the needs of consultants, BizCover can help you find consulting insurance policies that fit your business and budget: Public Liability ...

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Reviews related to Public And Product Liability Insurance Quote

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

    Troy M
    Landscape Construction

  • 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

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

    Les K
    Door Or Window Wholesaling

  • Great Price on my Liability insurance

    James M
    Trades & Services

  • So quick and easy to purchase liability insurance from a range of insurers. Very happy customer!!

    Shirley M McIntosh
    Trades & Services

  • Great service and product

    Justin L
    Civil Engineering Consulting Service

  • So quick and easy to purchase liability insurance from a range of insurers. Very happy customer!!

    Shirley M
    Food wholesaling nec

  • Was easy enough to change levels of cover, compare conditions and then contract the insurance cover I wanted.

    Soner B
    Information Technology Services (IT)

  • Super easy and convenient, all my cover and insurance dealt with within minutes

    Ellie K
    Cosmetics Retailing - Direct Selling

  • Compare the market were quick to respond to my enquiry, were extremely helpful, took the time out to understand what I needed and came back with some quotes very quickly. They helped me understand what insurance would be best for me and were extremely kno

    Sarah W Woodland
    Trades & Services

  • very quick and easy to get cover sorted.

    Helen H
    Management Consulting Service

  • Easy to use, and I liked the instant quotes rather than having to wait for a call back

    Robert and Jenny N
    Telecommunication Services

  • it was very easy and hope i have done it right and got the right cover

    Belinda P
    Bed And Breakfast Operation

  • Very easy and quick to get several quotes and purchase a policy.

    Terry D
    Management Consulting Service

  • Really easy to use and well priced insurance

    Sarah S
    Life Coach

Public Liability insurance

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

Here’s the lowdown on Public Liability insurance*

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

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

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

Public Liability explained further…

Product Liability explained further…

What kind of businesses need Public Liability insurance?

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

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

What is typically included?**

Compensation for:

  • Compensation costs for the personal injury suffered by a third party (e.g. a customer, supplier or member of the public)
  • Compensation for damage to property owned by a third party due to your negligent business activities
  • The legal and defence costs associated with a covered claim
  • Compensation for damage of third-party goods not owned by you which are in your care, custody or control
**Many public liability policies also provide cover for product liability.

What is typically not covered?*

  • Injuries to your employees
  • Damage to your own property
  • Costs of rectifying faulty workmanship or product recall
  • Professional negligence
  • Contractual liability
  • Events occurring before or after the policy period
  • Aircraft products
  • Asbestos
  • Liquidated damages
  • Gradual pollution
  • Punitive damages- where the insured acted so badly that extra damages were awarded
  • Liabilities assumed under contract which the insured would not be liable for at common law

Get the right cover

Public Liability Fact Sheet

Your Cover Options 

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

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

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

  • Do any of your contracts require a minimum level of public liability cover?
  • Has your industry body set a minimum level of public liability cover for membership?
  • Does your business or trade licence require a minimum amount of public liability cover?
  • What kind of accidents could occur due to your business operations and what could be the potential cost of a claim?

Why choose BizCover for your Public Liability insurance?

BizCover - Built for Small Businesses

Built for small business

We know insurance and what makes small businesses tick

BizCover - Clear and Competitive Pricing

Clear and competitive pricing

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

BizCover - No Jargons

Cover to match your needs

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

BizCover - Real People

Real people adding real value

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

Frequently Asked Questions on Public Liability Insurance

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

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

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

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

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

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

 

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

Public Liability insurance is designed to provide protection* for you and your business in the event a customer, supplier or a member of the public are injured or sustain property damage as a result of your negligent business activities.

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

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

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

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

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

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

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

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

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

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

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

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

Public Liability insurance is designed to provide protection for you and your business in the event a customer, supplier or a member of the public become injured or sustain property damage as a result of your negligent business activities.

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

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

Public Liability* insurance is designed to provide protection for you and your business in the event a customer, supplier or a member of the public are injured or sustain property damage as a result of your negligent business .

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

 

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

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

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

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

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

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

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

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

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