What is Product Liability Insurance?

... products. Product Liability insurance usually forms part of a Public Liability policy and the word 'product' ... Competition and Consumer Commission website. Do I need Product Liability Insurance? Product Liability ...

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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 Rockhampton

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

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Public Liability Insurance in Mandurah

... community and for their property. Most Public Liability policies also extend to cover Product Liability. ... helpful and happy.” Mishelle O. Retail What does Public Liability insurance cover? Public Liability insurance ...

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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

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Public Liability Insurance

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

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Insurance for Furniture Manufacturers

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The Easter Bunny's Guide to Business Insurance

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Do I need insurance for my market stall?

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The Risks of Growing Your Small Business

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5 Common Beauty Insurance Claims

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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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Small Business Index July 2015

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The Art of Being a Creative Small Business

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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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Is your Small Business Summer Proof?

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

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Top trends in the furniture industry

... the financial crisis in 2008-2009 and the European debt crisis in ... for computers, desks, office chairs, and filing cabinets. Consumers quickly ... worthwhile for manufacturers and companies to offer these products. To protect your ... to pay off as the public learns to distinguish between varied ...

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A $2,000 Wish for Your Small Business

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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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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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7 Steps for Your Business to Survive and Thrive

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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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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

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We Bar None wins the 36th BizGiver Grant

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Customer Spotlight: Yummy Dogs

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

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Insurance Considerations for Personal Trainers

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Insurance for architects- the blueprint to success

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Preparing your store for the holiday season ahead

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What is a Cabinet Maker?

... that specialize in designing and making built-in or customized ... cabinets. They also design and manufacture fine wood furniture ... repairs or ... into elegant designed cabinets and other woodworking products. Is there a Difference ... , they both work with wood products, and are both considered professional woodworking ...

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5 Surprising Things Business Insurance Can Cover

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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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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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BizCover Customers' Top Tips To Grow A Business

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Marketing Basics for Cabinet Manufacturers

Seek Feedback and Testimonials from Customers In order ... ... high-quality materials, and infuse creativity into designing superior products that customers love. ... affordable and effective method for introducing your brand, service, or products 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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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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5 Ways To Prepare Your Business Premises For The Cooler Seasons

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Managing Risk for Tradesmen

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Business Basics for Cabinet Makers

... serving your current customers, and develop high-quality products? These are the fundamental ... ... serving your current customers, and develop high-quality products? These are the fundamental ... , what projects they prefer, and the styles and trends of cabinets in ...

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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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10 small businesses share what they love about their small business

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Tips for making a Stress-Free Claim

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8 Lessons for Small Businesses from your Footy Finals Teams

... , cars are adorned with streamers and there's an air of excitement ... and anticipation as to just who ... silver wear. It's finals fever, and ... culture? Can you provide a product or service better than your ... want to instil a positive and productive attitude. Regardless if you ...

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Toolbox of Tips for Tradies National Health Month

... raise awareness around the health and safety of tradies. According to ... one-third of the Australian workforce and represent over half of the . ... in the works and the unexpected happens, this product can provide financial ... protection and peace of mind. ...

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Sto Lat Restaurant & Café wins the BizGiver grant

... grant, the Sto Lat Restaurant and Caf! The restaurant specialises in ... Polish and European cuisine, while offering a ... unique, and for ... 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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Aussie Entrepreneurs Share the Top 3 Lessons They've Learned

Today, and every day, we're celebrating Australia's ... stuck it to the man and gone out on their own ... to start their own business and carve ... confidence, and remain cutting edge in your industry. Trish Springsteen, Public Speaking ... Coach, Mentor and Author Trish started down ...

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Scooter & Jinx wins BizGiver Grant

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Customer Spotlight: Being Brands

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Customer Spotlight: Cazeil Creative

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Customer Spotlight: Elite Words

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A Close Shave with Underinsurance

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5 Reasons to love Personal Accident Cover

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Why having an office inventory list is essential.

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Getting the Best Value on Your Business Insurance

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Preparing your small business for a Tax Audit

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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: