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Product Liability Insurance

... Competition and Consumer Commission website. What is Product Liability Insurance? Product Liability insurance ... usually forms part of a Public Liability policy. ...

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

... of protecting your business and your customers with Public Liability insurance. It offers ... , or even member of the public, sue your business ... considerations to make finding and comparing a Public Liability policy a little easier ... both Public and Product Liability? What are the inclusions and exclusions of your Public Liability policy? And finally ...

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What is Public Liability Insurance

... of their customers, employees, suppliers and the community; as well as ... risk. Phew! Most Public Liability policies also extend to Product Liability. If you sell ...

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Legal Requirement for Public Liability Insurance

Public liability insurance covers your business for ... business' activities. Failure in obtaining public liability insurance policy can expose a ... ... over every product defect that might arise. In these instances, public liability insurance ... and is commonly bundled with the other packages, often product liability insurance. However, public liability ...

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Cyber Liability Insurance: the safety net small businesses need

... to hit, but the wider public is now starting to realise ... the globe, particularly in Australia and especially to small businesses. The ... , no ... to hit, but the wider public is now starting to realise ... few basic preventative measures and robust Cyber Liability insurance, small business' are ...

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Public Liability Insurance

... is hurt - badly - and you're responsible. You hang up. ... ... process. Purchasing public liability insurance online, where quotes are instant and transparent, is ... transparency. Consumers didn't know what products were available in the marketplace. ...

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Public Liability Insurance

... of the public Legal and defence costs Public Liability Insurance protects you and your business ... enthusiastically showing them your latest product release. Over 6,000 Occupations ...

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Keep calm and stretch on with Yoga Teacher insurance

Breathe in, breathe out, and let a wave of calm ... ... damage Fraud and dishonesty Known claims and circumstances Property damage Public Liability insurance When ... of an accident happening, and that's why Public Liability insurance is equally important ...

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Common Small Business Insurance Claims and How to Prevent them.

... are out of your control and have a big impact on ... the running of your business and your bottom line.  Whilst you've ... ... of a property and even occurring at seemingly safe public spaces such ... , investing in a backup generator. Liability Claims Another common claim seen ...

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7 Steps for Your Business to Survive and Thrive

... your ticket to a freer and more relaxed lifestyle, right? By ... ... expenses and noticeably boost your annual income. Step 7: Boost your product ... existing customers, through offering new products and services, upgraded services or discounts ...

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Beauty to go! What Mobile make-up artists need to know about insurance

... a wide range of clientele, and you can build your own ... of. But making people look and feel amazing is just […] ... costs and compensation awarded to the claimant. Public Liability insurance also extends to Product Liability ... good to have your Professional Liability and Public Liability cover combined through the one ...

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The Easter Bunny's Guide to Business Insurance

... kilograms of chocolate are purchased and consumed around the world. In ... ... cost due to fines and legal battles. A Product Liability policy would cover ... , it could also represent a public liability risk, for which the Easter ...

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Do I need insurance for my market stall?

... treats to clothing, arts, crafts, and bric-a-brac, Australia has become spoiled ... when it comes to markets. And with the festive season fast . ... two types of cover - Public Liability and Product Liability. Public Liability Public Liability covers you for the costs ... has been damaged or broken. Product Liability Product Liability is designed to protect you ...

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The Risks of Growing Your Small Business

... it all on the line, and take a giant leap forward. ... ... growth spurt with its name, product, and bank balance intact. Here, we'll ... , but the primary insurances - public liability and professional indemnity - are crucial. ...

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5 Common Beauty Insurance Claims

... we take to prevent them – and the simplest of setbacks can ... ... hold a Public Liability policy. I've always enforced strict health and safety procedures ... performing, only use your equipment and products in the way they are ...

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Help Protect your small business' reputation

... a small business, your brand and its reputation are priceless. No ... strong relationships with your customers and clients, and it can take ... civil fines and penalties, Management Liability insurance can also offer a Public Relations ... 000 to cover reasonable public relations fees and expenses to assist in ...

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5 Legal Essentials for your Small Business

... of law including family, commercial, and personal injury. She has a ... to justice in the community and growing small businesses. You may ... ... or clients. If you sell products, your T&Cs will cover the ... (ACL); Dispute resolution procedures; and Limitations of liability and disclaimers. If you provide ...

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We Bar None wins the 36th BizGiver Grant

... products. Ellen's products have built up a fan base for their taste and ... ... products. Ellen's products have built up a fan base for their taste and ... of waste that we generate and choosing products that are more sustainable. ...

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Customer Spotlight: Yummy Dogs

... dogs. Eight years in, and Yummy Dogs founder Olaf is ... quality hot dogs, bake-fresh buns and a range of lip-smacking relishes. ... For chef Olaf ... relish, hot pepper, pickle and salsa products. “Today we cater for everything ... “We undertake product promotions, cater for exhibitions and conferences, and can provide a ...

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Dishing up the facts on food business insurance

... an overwhelming choice of policies and policy options […] ... food businesses consider? Public Liability Insurance Dishing up food and beverages to the ... as deep fryers and ovens to produce your final product. That's why ...

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Small Business Index July 2015

... turning? An oversupply of capacity and competition in the insurance market ... ... main product categories of Professional Indemnity, Combined Professional Indemnity & Public Liability and Public Liability /Business ...

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

... their last-minute gifts and service providers, like hairdressers and beauty therapists, booked ... the many cafes and restaurants hosting ... venue has Public Liability cover in place to cover your employees and invited ... required to the owner and if your Public Liability policy includes this. Batten ...

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Insurance for architects- the blueprint to success

... the challenge of crafting plans and working on demanding projects where ... ... Public Liability Insurance If you're dealing with clients, suppliers, contractors and the general public ... go awry and the chance of a claim occurring. Public Liability insurance is ...

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Insurance Considerations for Personal Trainers

... your clients achieve their goals and transform their lifestyles, but it's ... consider how to protect yourself and your business from the [†... these types of risk consider public liability insurance which will provide financial ... ,000,000 Professional Indemnity and $10,000,000 Public Liability.   A combined policy ...

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Preparing your store for the holiday season ahead

... mean an increase in safety and security risks. Here are a ... protect your customers, your business, and your assets. Take safety […] ... payment for compensation and legal expenses. Ensure your Public Liability insurance policy has ... to protect you and your business against a public liability claim. Reduce shoplifting ...

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PI Index: Premiums Decline 10 Straight Quarters

... to the abundance of supply and healthy competition in the business ... ... across the other product groups, Combined Professional Indemnity/Public Liability and Public Liability/Business Packs ... are not seeing the same reductions and ...

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5 Tips for an Insurance Health Check

... that if the unthinkable happens and your business is hit by ... ... advice that has been provided. Public Liability Protection against the damages from ... claim (Business Interruption) Management Liability Protects businesses and business directors including their ...

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

... control of your earning potential and the upside can be great ... of outlays to make initially and deciding what you spend your ... limited resources ... setting up and establishing itself. If you rent your premises, public liability may ... have at least $5 million public liability cover to secure work with ...

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5 Surprising Things Business Insurance Can Cover

... things such as their legal liabilities and top of mind assets such ... as their building, contents and stock. But did you know ... ... counters, shelving, fixed mirrors, and ceramic and porcelain items too. It can ... to ensure you have your Public Liability cover in case a customer ...

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Insurance Premiums for Retailers Continue to Climb

... has been released (Graph 1), and similar to quarter 2 of ... ... sector, but the index for Public Liability and Business Packs increased 4 points. ... a massive 8 points for Public Liability and Business Packs, most other industries ...

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Is your Small Business Summer Proof?

... enjoy, including plenty of public holidays, long days and great weather.  But ... own unique set of challenges and risks every small business ... enjoy, including plenty of public holidays, long days and great weather.  But ... it is by reading your Product Disclosure Statement. The hot months ...

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A $2,000 Wish for Your Small Business

... aspect of running a business and you'll most likely get an ... task of balancing business expenses and managing the cash […] ... finalists, and from there the winner will be determined by public voting ... must be for a tangible product or a service, up to ...

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6 Areas You May Not Have Thought Business Insurance Covers

... to protect your business assets and revenue against potential risks that ... , such as fire, storms, theft and accidental damage. When insuring your ... , laptops, projectors and photocopiers), appliances (fridge, microwave and dishwasher), and any other fittings. ... other essential covers such as Public Liability and Professional Indemnity insurance to ensure ...

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New Year Insurance Health Check!

... for people to make resolutions and plan for their year ahead. ... of the year that was and do a bit of planning ... year ahead, including the goals ... direction for the business and ensuring financial and risk management strategies still ... consider increasing the level of public liability insurance that you hold. Are ...

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The Risky Business of Insurance

... clients, cash flow, staff, stock and future planning. Managing business risk ... and ensuring that a business can ... businesses are uninsured ... have' and 'nice to have' insurance. Examples of “must have” insurance: Public Liability ... – protects against legal and court costs in the ...

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BizCover partners with Energy Retailer CovaU

... a partnership with Australian electricity and gas retailer CovaU. BizCover has ... ... way of purchasing business insurance, and often delivering substantial savings to ... who could offer a compelling product proposition, we were really looking ...

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Customer Spotlight: Cheaper Buy The Dozen

... jump to the wine industry and started the online wine delivery ... its first four years, Mansel and his team have grown the ... ... focus on customer service, and insistence on high-quality products. “We only sell ... FREE SHIPPING to BizCover customers and friends. Simply use the code ...

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Small Business Resolutions for 2017

... both your personal life and business life and set some goals to ... business in the right direction. And if […] ... both your personal life and business life and set some goals to ... in to my business and make my products look more professional.” 3. ...

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Tips for making a Stress-Free Claim

... get your business back up and running as quickly as possible. ... make potential claims a stress-free and time-saving process. Be Prepared [†... to read your insurance policy's Product Disclosure Statement (aka PDS) cover ... you afford to relocate and pay rent and the running cost of ...

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Sto Lat Restaurant & Café wins the BizGiver grant

... grant, the Sto Lat Restaurant and Café! The restaurant specialises in ... Polish and European cuisine, while offering a ... unique, and ... customers always demand new and exciting experiences and you need to give ... and what you sell, no one will know how great your product ...

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Taking the W: The Art of Celebrating a Win

... on the nature of risk and we pride ourselves on the ... for the wins as well, and […] ... someone who regularly clocked in and experienced the satisfaction of charting ... them kudos & make it public) TALK (Let people know about ...

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Professional Indemnity for Real Estate Agents

... arising out of acts, errors and omissions from professional services provided. ... licenses under the Property, Stock and Business Agents Act 2002 ... transaction documentation, conflicts of interest and allegations of fraud. Misrepresentation A ... stated in the advertising material and liability on the real estate agent ...

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Comparing Portable Equipment & Electronic Equipment Cover

Business insurance isn't always straightforward, and sometimes you need to get ... what insurance is being offered and which one is right for ... Insurance ... Insurance options like Portable Equipment and Electronic Equipment cover, so let's ... exclusions. The Verdict Portable Equipment and Electronic Equipment coverage have some ...

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Customer Spotlight: Being Brands

... their clients, from logo designs and websites to fully realised creative ... ... her experience in marketing and project management, and a lot of hard ... together on Fridays and birthday celebrations with balloons and cupcakes. “Our fun ...

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Customer Spotlight: Cazeil Creative

... would save in a fire and the most common answer is ... our lives, recording personal and historical memories. And no one knows this ... ... our lives, recording personal and historical memories. And no one knows this ... for a year and has already captured weddings and international events. “My ...

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Customer Spotlight: Elite Words

... elements of the organisation's website and content, Natalie decided to strike ... ... elements of the organisation's website and content, Natalie decided to strike ... , proofing, content strategy, content analysis, and content audits. “I love working ...

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A Close Shave with Underinsurance

... as your business is growing and changing it’s important to ... Insurance grows with your business and you're not left exposed.  A ... businesses ... Salon, upgrading the chairs, interiors and other equipment. It wasn't until ... , but with wild weather, blackouts and other natural disasters becoming more ...

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5 Reasons to love Personal Accident Cover

Personal Accident and Illness Insurance (IPA Cover)offers ... ... with being flexible and adjustable, most Personal Accident and Illness cover will ... rehabilitation or retraining. Personal Accident and Illness Policies start from $450. ...

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Why having an office inventory list is essential.

... , that is until something happens and the time comes to claim ... the big things, computers, machinery and the like, but what about ... ... list will help consolidate records and manage your response to such ... as serial numbers, value and purchase dates and remember to keep copies ...

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Getting the Best Value on Your Business Insurance

... is now in full swing, and if you're like some of ... with your money in 2016 and perhaps even save more! Whilst ... ... grown you could be underinsured, and whilst you might be making ... at your business as risky and price your policy premium accordingly ...

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Preparing your small business for a Tax Audit

... , audits are generally time consuming and quite stressful. Here are 4 ... ... office know. 2.Separate your personal and business life It's tempting to ... you, but keeping your personal and business finances separate, including bank ...

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44 Ways Apps Can Increase Your Productivity

... you manage your workload. Entrepreneurs and small business owners must find ... 44 tools that every entrepreneur and small business owner should ... you manage your workload. Entrepreneurs and small business owners must find ... 44 tools that every entrepreneur and small business owner should consider ...

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Scooter & Jinx wins BizGiver Grant

... , SCOOTS AHEAD OF THE COMPETITION AND WINS THE BIZGIVER $2000 SMALL ... coffee shop. Walk inside though and you'll find some of the ... ... great coffee, legendary gourmet toasties and fantastic customer service. “My wife ... goods, machinery to laptops, websites and even branding. It was started ...

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How the cost of Professional Indemnity insurance is calculated

... (PI) insurance policy is calculated and why one profession can often ... generally calculated on risk factors and put simply, the higher the ... ... industry you operate within. Industries and services which have a higher ... to cover the potential damages and legal expenses? How many employees ...

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International Day of Charity Customer Spotlight: A Sound Life

... of our very own customers and their charity organisation. A Sound ... to improve their health, well-being and happiness through the power of ... ... power of yoga, music and meditation. Co-founder and creative director of ASL ... our mission.  Have enthusiasm and patience, stamina and endurance. Do not be ...

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7 Types of Insurance Your Small Business Should Consider

If you own a small business, there's no denying one the most important things you need to protect your assets is Small Business Insurance. But what kind of insurance ... , your revenue, and your liabilities. Public Liability Insurance Every business should consider Public Liability Insurance - ... site where you can compare products closely and choose one that meets ...

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Gold Coast Mobile Juice Business Gets a Boost

Latest Winner of Bizcover.com.au $60,000 'Small Business Buddy Program' Queensland, October 13, 2014: Burleigh resident Aimie van Santen is the newest recipient of a ... the form of a specific product or service valued at up ... buy Professional Indemnity, Public Liability, Business Insurance, Management Liability and now Cyber Insurance. BizCover ...

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Progressive Distillery in Hobart Tasmania, defeats hundreds of others Small Businesses Nationwide to become the latest winner of BizCover's $2000 grant, BizGiver.

Deviant Distillery, a high tech distillery in Hobart Tasmania, is doing something no one has even though of before. They've developed their own propriety technology that ... creating such an ambitious product, time and money are always in short ... the competition. “Winning this award and garnering public support for our efforts ...

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5 Money Saving tips for Small Business

Most small business owners are conscious of their cash flow. Whether you are just starting out or have been in business a while, you'll want to make sure every dollar ... not necessarily offer the best product for your business, which is ... ; they'll let you compare key product features and benefits, as well as ...

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

Whilst the market seems to be hardening for insurance for larger businesses, the latest BizCover Small Business Insurance Price Index is showing no change in pricing ... keeping prices down. Professional Indemnity and Public Liability, including multiple section business packs ... BizCover commented: “The continued competition and low loss ratios in the ...

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Small Business Insurance Price Index Q3

Insurers hold on to SME Insurance Premium Price Increases!  Despite a drop in some rates, some insurers are holding on to pricing gains made last quarter. The latest ... non professional sector, primarily around Public Liability and Business Packs (predominately covering perils ... distribution channels, predominantly around trades and services. However insurers have managed ...

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

The Quarterly BizCover Small Business Insurance Index has shown that Australian SME's may have enjoyed the end of declining insurance premiums with an increase of 5 points ... the non professional sector with Public Liability and Business Packs (predominately covering perils ... unprecedented capacity in the marketplace and therefore it is unlikely insurers ...

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Business Horror Stories

Running a business can be a wonderful rewarding experience, but sometimes things can go horribly wrong. THE ONLINE ONSLAUGHT We never believe it can happen to us, that ... down for good. A management liability insurance policy can be the ... cover options such as Management Liability and Cyber Liability are little known but ...

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BizCover wins dual accolades over two big nights

Over the last 48 hours, BizCover has picked up two awards, both highlighting their commitment to building a better customer experience in the Small Business Insurance ... ranks the 50 fastest growing public or private technology companies, based ... Fast 50 showcases forward-thinking businesses and we're thrilled to see BizCover ...

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Pet Stays, becomes the 32nd BizGiver winner

Pet Stays, a pet sitting & care provider, has been crowned the 32nd Winner of BizCover Insurance's BizGiver $2000 Small Business Grant, winning an SEO package. PetStays ... brand to both potential clients and pet sitters around Australia,” enthuses ... insurance, said Michael Gottlieb, Founder and Managing Director of BizCover, “Having ...

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Small Business Continues to Win on Insurance Prices!

BizCover’s Quarterly Price Index shows that despite rising pressure, prices remain flat for small business. Recent financial results from the major insurers all ... the changes were not substantial and premiums have remained high enough ... , due to the significant competition and capacity currently in the Australian ...

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Management Liability Insurance

... secrets; unfair competition and breach of confidentiality. Corporate Liability - which protects ... include theft of money and property. Statutory Liability - which protects against ...

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

... online insurance marketplace in Australia and leading provider of online professional ... of its New Zealand business and online platform: www ... add in Public Liability, Statutory Liability, Employers Liability, Employment Dispute Liability and other associated insurance products. To ...

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Cyber Liability Insurance

... business. Cyber Liability Insurance covers your business against the expense and legal ... owners sweat. Cyber Liability Insurance can reduce your risks and help you ...

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Protect your business with Statutory Liability Cover

... as injury caused to clients and customers, and damage caused to other ... designed to protect against fines and penalties […] ... facts, benefits and features of Statutory Liability insurance. Australia and the law There ... Liability insurance comes into play – designed to help cover the costs and ...

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Turn the spotlight on hackers and protect your data

... trust. They're a persistent bunch and are increasingly […] ... potential costs. For example, Cyber Liability Insurance covers your business against ... about the benefits of Cyber Liability Insurance and also use these handy ...

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Get the cover that's right for your business

With BizCover you can choose policies from 3 levels of cover, $5 million, $10 million and $20 million.

Policies are usually tailored to individual businesses. Each business will require a different amount of cover and when deciding on how much cover you should have you should think about the following factors:

  • Do any of your contracts require a minimum level of cover?
  • Has your industry body set a minimum level of cover for membership?
  • Does your business or trade license require a minimum amount of cover?
  • Do the terms of your lease require a minimum level of cover?
  • Finally think about what your level of risk and exposure could be. What kind of accidents could occur and what could be the potential cost of a claim?