What is Product Liability Insurance?

Do I need Product Liability Insurance? What is  Product Liability Insurance? Product Liability insurance * protects your businesses against claims by third parties relating to property damage or ...

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Public Liability Insurance in Perth

P ublic L iability I nsurance * for Perth businesses 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 ...

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What is Public Liability Insurance?

... for the safety of their customers, suppliers and the community and for their property. Most Public Liability policies also extend to cover   Product Liability . If you sell, supply or deliver ...

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Public Liability Insurance in Rockhampton

P ublic L iability I nsurance * for Rockhampton businesses Public Liability insurance is designed to provide protection for you and your business in the event a customer, supplier or a member of the ...

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Public Liability Insurance in Mandurah

P ublic L iability I nsurance * for Mandurah businesses Public Liability insurance is designed to provide protection for you and your business in the event a customer, supplier or a member of the ...

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Public Liability Insurance in Hobart

P ublic L iability I nsurance * for Hobart businesses 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 ...

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Public Liability Insurance in Darwin

P ublic L iability I nsurance * for Darwin businesses 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 ...

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Public Liability Insurance in Brisbane

P ublic L iability I nsurance * for Brisbane businesses Public Liability insurance is designed to provide protection for you and your business in the event a customer, supplier or a member of the ...

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Public Liability Insurance in Adelaide

P ublic L iability I nsurance * for Adelaide businesses Public Liability insurance is designed to provide protection for you and your business in the event a customer, supplier or a member of the ...

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Public Liability

... , community and their property. Public Liability Insurance is designed to provide protection for you and your business ... the policy. Public Liability explained further… Product Liability explained further ...

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Information Technology Liability Insurance

What is Information Technology Liability Insurance? In a perfect world, technology would run smoothly and glitch free. The reality is things don't always go to plan and technology can have a mind of its own, often ...

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

If you're a sole trader or small business owner, there's no doubt you're aware of the importance of protecting your business and your customers with Public Liability If you're a sole trader or small business owner, there's no doubt you're aware of the importance of protecting your business and your customers with Public Liability insurance . It offers protection should a ...

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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 .. Public liability insurance covers your business for losses or damage to a third party as a result of your business' activities. Failure in obtaining public liability insurance policy can expose a business to a range ...

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The difference between Public Liability and Professional Indemnity insurance

... cover and how they can protect your business. What is Public Liability insurance*? Public Liability ... Insurance is designed to provide protection They are two of the most common types of business insurance, but do you really know what they are protecting you from? Let's take a look at these two different forms of cover and how they can protect your ...

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Public Liability NSW

What’s included & what’s not? Get the right cover Public Liability Insurance cost Here's the lowdown on NSW public liability insurance* As a small business owner in New South Wales you already have a lot to ...

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Public Liability WA

What’s included & what’s not? Get the right cover Public Liability Insurance cost Here's the lowdown on WA public liability insurance As a small business owner in Western Australia you already have a lot on ...

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Public Liability QLD

What’s included & what’s not? Get the right cover Public Liability Insurance cost Here's the lowdown on QLD public liability insurance* As a small business owner in Queensland you already have a lot to worry ...

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Public Liability Insurance Scenario

... is hurt - badly - and you're responsible. You hang ... Just imagine: A phone call out of the blue. The caller has a voice you don't recognise. He's telling you he is hurt - badly - and you're responsible. You hang up. He calls again. Tells you the same story. You are ...

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Allied Health Combined Liability Insurance

What is Allied Health Combined Liability insurance? Whether you're a Zumba instructor or master of acupuncture, get zen of mind knowing that you have comprehensive insurance in place with this tailored coverage. The ...

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

Auckland, New Zealand - February 8, 2011. BizCover, the pioneer online insurance marketplace in Australia and leading provider of online professional indemnity insurance Auckland, New Zealand - February 8, 2011. BizCover, the pioneer online insurance marketplace in Australia and leading provider of online professional indemnity insurance, has announced today the launch of its New ...

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Bizcover and National Retail Association

... and no business is immune from bad luck or an unforeseen event. BizCover is proud to be the official insurance partner of the National Retail Association. Our product ... Insurance Packs and Public Liability insurance with ...

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Management Liability Insurance

What’s included & what’s not? Get the right cover Could this happen to you? What is Management Liability Insurance?* Everyone loves a surprise, except when you are a company director. If you own or are involved ...

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5 Things to Consider When Buying Public Liability Insurance

Public Liability insurance. It's one of those fundamental covers that most SMEs are familiar with. But did you know there are a few factors to consider when arranging Public Liability insurance . I t's one of those fundamental covers that most SME s are fami lia r with. But did you know there are a few factors to consider when arranging appropriate cover ...

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What Tradies Need to Know About Public Liability Insurance

Its one of the most common types of insurances for tradies, but do you really know why? We break down the ins and outs of Public Liability insurance and what you need It ‘ s one of the most common types of insurance s for tradies , but do you really know why ? We break down the in s and outs of Public Liability insurance and what you need to know , without ...

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Do I need Public Liability insurance?

Do I need Public Liability insurance? Public Liability insurance is essential for small businesses, providing cover against claims for physical loss or damage caused to a third-party as a result of your business ...

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Public Liability Insurance for Cabinet Makers

... of your risk management plan and can be done easily with ... Working as a cabinet maker, you are presented with many risks from the moment you pick up your tools. Protecting your business against unplanned challenges, like an accident or a claim, should be considered as ...

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Cyber Liability Insurance

What’s included & what’s not? Get the right cover Could this happen to you? What is Cyber Liability Insurance Hackers. These are not just dodgy movie characters but real life people, doing real damage to ...

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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 [] There are many different types of insurance policies available to small businesses to protect against countless number of unexpected events, such as injury caused to clients and customers, and damage caused to other ...

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Cyber Liability Insurance: the safety net small businesses need

It may have taken some time for the reality to hit, but the wider public is now starting to realise that hackers aren't just fictional brooding movie villains - they It may have taken some time for the reality to hit, but the wider public is now starting to realise that hackers aren't just fictional brooding movie villains - they're real people doing real damage across the globe, ...

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Statutory Liability

... 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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Employment Practices Liability

... sexual or workplace harassment. Did you know? Employment Practices Liability cover is provided on a claims made and notified basis, meaning an insurer will only cover you for claims made against you during the policy ...

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Public Liability PPC

Why do I need Public Liability Insurance? You can't prevent clumsy people from being clumsy. But you can protect your business against claims that are made for personal injury or property damage. Public Liability ...

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Top 5 Reasons for Having Professional Indemnity and Public Liability Insurance

You've worked hard to build your business, so it makes sense to protect it. Below are the top 5 reasons NHAA members should hold and maintain Professional Indemnity You've worked hard to build your business, so it makes sense to protect it. Below are the top 5 reasons NHAA members should hold and maintain Professional Indemnity and Public Liability insurance . #1 ...

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Business Insurance Guide for the Self-Employed - Part 1

There is nothing like being your boss. The freedom, the opportunity to pursue your passion and being in control of your career path. It also comes with the responsibility There is nothing like being your boss . T he freedom, the opportunity to pursue your passion and being in control of your career path . It also comes with the responsibility of managing your ...

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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 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 do you actually need? There's no 'one-size- ...

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Insurance for Massage & Alternative Therapies

Why do Massage Therapists need it? While you help your clients unwind, rejuvenate and relax, let us help you relax with massage therapy insurance. With just a few clicks or a single phone call, you'll get multiple ...

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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 [ ... There are some obvious pros to working as a mobile freelance make-up artist - you have control over the hours you work, you get to work with a wide range of clientele, and you can build your own amazing brand that ...

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What are some types of insurance available for small businesses?

When it comes to running your own business, an important consideration is getting your business insurance sorted. There are many kinds of coverages on the market and When it comes to running your own business, an important consideration is getting your business insurance sorted. There are many kinds of coverages on the market and it can feel a bit overwhelming when ...

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Insurance for Consultants

... in specified circumstances.  In addition, cover is available for public liability, tax audit, employment practices and statutory liability risks. Cyber Liability* Consider the client data you may storing ...

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Insurance for Psychologists

Why do Psychologists need Insurance? Just as you've spent countless hours nurturing your clients, you need to nurture your business too. Having business insurance is an important part of protecting your practice and ...

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Insurance for Victorian Plumbers

Why do Victorian Plumbers need to consider it? Arranging your insurance should never be a drain. From covering your tools to arranging your Public Liability insurance, at BizCover we've got options to help protect ...

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Insurance for Landscapers

Why do Landscapers need it? Whether you're building retaining wall s or putting in new plants, landscaping is a profession that comes with a number of risks. Scenarios like having your tools ...

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Insurance for Carpenters

Why do Carpenters need it? As a carpenter, you take pride in delivering high quality results. Luckily, protecting your hard-work and reputation with the right business insurance has never been easier. Whether it's ...

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Insurance for Cafes

Public Liability Insurance cost for Restaurant & Cafes Why do Cafes need it? As a cafe, your business is exposed to many different risks and hazards. We know you're busy serving your regulars with cappuccinos, ...

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Insurance for Disability Workers

Why do  Disability Workers need Public Liability and Professional Indemnity Insurance * ? Part of your role as a disability support worker, is to provide care that gives your clients the opportunity to ...

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Insurance for Handymen

Why do Handymen need it? You fix your client's DIY problems; we'll help your liability problems with business insurance. At BizCover, a few clicks or one call can solve all. You'll get multiple competitive quotes from ...

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Insurance for Retailers

Why do Retailers need it? While you help take your customers' worries away with a bit of retail therapy, we'll take your worries away with business insurance. Whether you sell the best gifts in town, the latest ...

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The Other Virus - Making Your Small Business Cybersafe When Working From Home

... cyber-crime. Small business owners and staff need to be vigilant ... prevent becoming a victim and how Cyber Liability insurance can help If COVID-19 wasn't enough to be concerned with , there's another virus plaguing small business owners working remotely – cyber-crime. S mall business owners and staff need to be vigilant of the types of ...

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Insurance for Furniture Manufacturers

... business insurance comes into play and should be one of the ... in the insurance marketplace. From Public Liability cover to a variety of ... When you run your own business, there is a lot to consider, like protecting your business if things go wrong. This is where business insurance comes into play and should be one of the foundations of your ...

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A Mumpreneurs Guide to Understanding Business Insurance

... attention, from managing client requests and orders, packing the kids ... marketing campaigns, sending packages, oh and maybe squeezing in 5 minutes The art of juggling parenthood while running your own business is anything but an easy feat. There’s always something screaming for your attention, from managing client requests and orders, packing the kid’s lunches, ...

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7 Surprising ways business insurance can help your company

Operating your own business often means wearing many hats and making important decisions about your business every day. From managing the books to looking after your Operating your own business often means wearing many hats and making important decisions about your business every day . From managing the books to looking after your staff and everything else in ...

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Insurance for Architects

Why do Architects need it? Don't let a potential mistake that falls through the cracks become a permanent problem. Instead, let BizCover ease your worries with insurance for architects. With just a few clicks ...

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Insurance for Gift Shops

Why do Gift Shops need it? With your hard-earned money tied up in stock for your business, it makes sense you would want to protect it. And that means having business insurance. Let BizCover give you the gift of ...

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Insurance for Hair & Beauty Services

Why do Hair & Beauty Services need Insurance? Whilst you're busy keeping heads turning, BizCover partners with some of Australia's leading insurers to offer you business insurance, a cut above the rest. With just a ...

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Insurance for Finance & Mortgage Brokers

Why do Mortgage & Finance Brokers need Insurance? We're sure we don't need to convince you that getting multiple competitive quotes from some of Australia's leading insurers is a smart way to get your business covered ...

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Insurance for Allied Health Professionals

Combined Liability Insurance cost for Allied Health Professionals Why do Allied Health Professionals need it? As an allied health professional, small mistakes can have big consequences. So while you're busy ...

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Keep calm and stretch on with Yoga Teacher insurance

Breathe in, breathe out, and let a wave of calm ... Breathe in, breathe out, and let a wave of calm wash over, letting the stress of arranging your yoga teacher insurance go. As a yogi or yogini, you don't have time to be worrying about having the right cover in ...

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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 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 relationships with your customers and clients, and ...

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Insurance for Social Workers

Why do social workers need it? Social workers provide much needed care and assistance to those who need it most. Dealing with clients and handling their cases takes a great deal of responsibility and is not without ...

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Home Based Business Insurance

Why do Home Based Businesses need insurance? Just because you don't have a typical office or working space doesn't mean things can't go wrong. Whether you're working in administration, running an online store or ...

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Insurance for Restaurants

Public Liability Insurance cost for Restaurant & Cafes Why do Restaurants need it? Take a minute to sit back, relax and look at our menu of insurance options for your business. BizCover can provide you multiple ...

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Insurance for Painters

Why do Painters need it? Painting requires you to work at heights and in a variety of locations. With BizCover you can receive multiple quotes from some of Australia's leading insurers. You can be covered quicker than ...

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Insurance for Butcher Shops

Why do Butcher Shops need it? While you're busy bringing home the bacon and serving up the best cuts in town, let us look after your Business Insurance. Competitive quotes from leading insurers are only a few clicks ...

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Insurance for Electricians

Why do Electricians need it? Don't let a potential slip-up in your work or a client with a short fuse, short circuit your business. Protect it against liability claims and other unexpected events. With just a few ...

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Insurance for Tradesmen

Public Liability Insurance cost for Tradesmen Why do Tradesmen need it? Don't be a 'hero' and rock up to your next job without your insurance. With BizCover you can get multiple competitive quotes from some of ...

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Insurance for Furniture Manufacturers

Why do furniture manufacturers need it? As a furniture manufacturer, you work to tight deadlines to get your products built and out to your suppliers meaning there's no time for things to go wrong. An issue like ...

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Understanding Insurance for Real Estate Agents

Being a real estate agent is an exciting and ever-changing career. You're there to help your clients find and sell their properties, a job that certainly doesn't come Being a real estate agent is an exciting and ever-changing career. You're there to help your clients find and sell their properties, a job that certainly doesn't come without its risks. From providing professional ...

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Business Insurance Guide for the Self-Employed - Part 4

... Accident and Illness insurance and Cyber Liability insurance. We share the ins and outs ... is Personal Accident and Illness In the final piece of our Business Insurance for the self-employed guide, we take a look at Personal Accident and Illness insurance and Cyber Liability insurance. We share the ins and outs of why self-employed workers ...

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Insurance for Civil Engineers- what you need to know

You've put in the hard-yards to build your engineering business, so it's important to think about what kinds of business insurance coverage you may need to help ensure You've put in the hard-yards to build your engineering business, so it's important to think about what kinds of business insurance coverage you may need to help ensure it is protected. As much care as you may take ...

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Do I need insurance for my market stall?

From fresh food and irresistible treats to clothing, arts, crafts, and bric-a-brac, Australia has become spoiled for choice when it comes to markets. And with the festive From fresh food and irresistible treats to clothing, arts, crafts, and bric-a-brac, Australia has become spoiled for choice when it comes to markets. And with the festive season fast approaching, there's no better ...

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The Easter Bunny's Guide to Business Insurance

... kilograms of chocolate are purchased and consumed around the world. In ... Each year at Easter millions of kilograms of chocolate are purchased and consumed around the world. In Australia alone close to $200 million is spent on Easter chocolate each year. There's no denying that Easter is big ...

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BizInsure Capitalizes on the Paradigm Shift in Commercial Insurance!

... connects independent professionals and small businesses to critical Professional Liability (E&O ... ) insurance solutions. With unprecedented convenience San Francisco, California - September 12, 2012 We are excited to announce the official launch of BizInsure (www.bizinsure.com), a leading-edge online insurance model that connects independent professionals and ...

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Insurance for Marketing Consultants

Why do Marketing Consultants need Insurance? Your clients ultimately rely on you to help increase their leads, sales and profits, but you should consider appropriate business insurance to protect you against ...

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Insurance for Manufacturers

Why do Manufacturers need it? Don't let a potential safety defect in your products, damage to your assets, or lost production times deflate your business. Protect it against liability claims and other unexpected ...

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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 “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, put it all on the line, and take a giant ...

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Insurance for Bakers

Why do bakers need it? Whether you work in a retail bakery or from your home kitchen, there are risks that you should consider protecting your baking business from. When you are selling your baked goods to the ...

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Insurance for Pet Professionals

Why do p et profession als need it? Whether you're grooming, walking or teaching new tricks, working with animals comes with an element of risk. The world of pets is open to claims for anything from Fido ...

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Insurance for Plumber

Why do Plumbers need it? Arranging your business insurance doesn't need to be draining. At BizCover, we take the annoyance out of organizing your insurance by providing hassle-free quotes from multiple insurers. Take ...

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Insurance for Electrical Engineers

Why do Electrical Engineers need it? As an electrical engineer, clients put a great deal of trust in your knowledge and experience . Protect your business against liability claims and other ...

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Insurance for Land Surveyors

Why do Land Surveyors need it? A day in the life of a surveyor could involve anything from conducting site inspections, certifying plans to providing advice on construction and ...

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Insurance for Project Managers

Why do Project Managers need it? Bringing projects to life is your expertise. But when it comes to  organising  your business insurance, this is one project you can outsource. We can provide multiple quotes from ...

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Insurance for Professionals

Why do Professionals need Insurance? While you're in the business of providing expert advice to your clients, we're in the business of providing insurance options to keep you protected. Whether you're ...

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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.