How much does Public Liability Insurance Cost?

... traffic moving through the premises, and their work is less likely to cause injury or property damage to clients or members of the public. It is important to note that each insurance company assesses risk in different ...

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Public Liability Insurance in Perth

... 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 are injured or sustain property damage as a result ...

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Public Liability Insurance in Rockhampton

... * 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 public are injured or sustain property damage as a ...

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Public Liability Insurance in Mandurah

... 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 public are injured or sustain property damage as a result ...

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Public Liability Insurance in Hobart

... 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 are injured or sustain property damage as a result ...

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Public Liability Insurance in Darwin

... 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 are injured or sustain property damage as a result ...

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Public Liability Insurance in Brisbane

... 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 public are injured or sustain property damage as a result ...

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Public Liability Insurance in Adelaide

... 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 public is injured or sustain property damage as a result ...

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Public Liability Insurance in Port Macquarie

... Port Macquarie 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 are injured or sustain property damage as a ...

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What is Public Liability Insurance?

... need public liability insurance?Claim Example What is Public Liability Insurance?* Public Liability insurance protects your business if a customer, supplier or member of the public is injured or sustains property damage ...

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What does Public Liability insurance cover?

... Public Liability insurance* cover? Public Liability insurance provides cover for your business if a customer, supplier or a member of the public is injured or sustains property damage ... your stairs and broken their ankle ...

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How much Public Liability insurance do I need?

... for compensation due to damage to property owned by a third party due to your negligent business activities; and Legal and defence costs associated with a covered claim Many public liability policies also provide ...

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Public Liability

... , 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 ...

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What is Product Liability Insurance?

... against claims by third parties relating to property damage or personal injury caused by your products. Product Liability insurance usually forms part of a Public Liability policy and the word 'product' will be a defined ...

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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 protection ... public, sue your business for personal ... your customers with Public Liability insurance. It offers protection should a customer, supplier, or even member of the public, sue your business for personal injury, death, or damage to their property. And whilst you ...

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Do I need Public Liability insurance?

... for most businesses, all small businesses should r hold Public Liability insurance to protect them against personal injury caused to a third-party or damage to their property. No matter how careful you may be, if your ...

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Legal Requirement for Public Liability Insurance

Public liability insurance covers your business for losses or damage to a third party ... ' activities. Failure in obtaining public liability insurance ... of risk and should have a public liability policy of some nature. What Does Public Liability Insurance Cover? Broadly, public liability insurance covers loss or damage to property, injury or death and other negligent ...

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What Tradies Need to Know About Public Liability Insurance

... the most common types of insurances for tradies, but do you ... break down the ins and outs of Public Liability insurance and what you need ... is Public Liability insurance? In a nutshell, Public Liability insurance* is there to protect you and your business if a customer, supplier or member of the public were to injure themselves or experience property damage ...

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Public Liability NSW

... – they do happen! 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 ...

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Public Liability QLD

... they do happen. 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 ...

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Public Liability WA

... they do happen. 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 ...

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Top 5 Reasons for Having Professional Indemnity and Public Liability Insurance

... members should hold and maintain Professional Indemnity and Public Liability insurance. #1 Protection ... against claims of negligence, malpractice ... work at a clients place or another venue and you accidentally injure someone or cause property damage, you face the risk of legal action. Public Liability insurance protects you against claims from customers or other ...

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Public Liability PPC

... claims that are made for personal injury or property damage. Public Liability Insurance does just that. It covers the expense of legal and defence costs; court attendance costs; and compensation awarded, in the event of ...

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Public Liability Insurance for Cabinet Makers

... and can be done easily with the right kind of business insurances ... ... as a condition of entry to a worksite. If so, make sure you have your Public Liability insurance policy sorted before you pick up the tools and that you have the right level of cover required. What can happen if your ...

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Insurance for Disability Workers

... workers. Public Liability insurance is designed to provide protection for you and your Disability Services business in the event a patient, supplier or a member of the public is injured or sustains property damage as a ...

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Insurance for Architects

... and the general public. 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 is injured or sustains property damage ...

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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 ... “must have” insurance: Public Liability– protects against legal and court costs in the event that someone is injured, or has their property damaged while you are providing a service to them. Every business should have PL ...

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Do I need insurance for my market stall?

... treats to clothing, arts, crafts, and bric-a-brac, Australia has ... when it comes to markets. And with the festive season fast ... ... 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 injured or suffers damage to their property ...

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Insurance for Landscapers

... . That's where Public Liability insurance comes into play. Public Liability protects you and your business in the event a customer, supplier or a member of the public is injured or sustains property damage as a result of ...

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Insurance for Handymen

... can go on! Public Liability insurance is designed to cover 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 ...

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Insurance for Car Wash and Auto Detailers

... s where Public Liability insurance comes into play. Public Liability insurance is designed to protect your business in the event a customer, supplier or a member of the public are injured or sustain property damage as a ...

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Insurance for Electricians

... against liability claims and other ... Public Liability Insurance* Let's be honest, there's a lot that can go wrong. No matter how good you are at your work as an electrician, the risk of causing fire, property damage ...

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Insurance for Tradesmen

... of a Public Liability claim. 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 is injured or sustains property damage as a ...

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Insurance for Retailers

... retail shop owners. 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 is injured or sustains property damage as a result ...

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Insurance for Carpenters

... need to consider is Public Liability insurance*. It provides cover for legal fees and compensation costs if a customer, member of the public or supplier sues you for injury or damage to their property as a result of ...

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Insurance for Personal Trainers

... together with medical costs and loss of income.    Public Liability insurance offers you piece of mind in the event an unwanted personal injury or property damage claim arises. Business Insurance* If you own expensive ...

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Insurance for Cleaners

... is yes. Thankfully, Public Liability insurance is there to provide protection for you and your business in the event a customer, supplier or a member of the public is injured or sustains property damage as a result of ...

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Insurance for Lawn Mowing Services

... or you accidentally causing damage to the neighbouring property for a claim to happen. Your Public Liability insurance policy provides financial protection by covering the legal and defence costs, court attendance ...

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Insurance for Yoga Teachers

... if one of your clients stretches a bit too far and injures themselves? No matter how carefully you may plan your ... . Public Liability insurance also covers you for claims relating to damage to third party property caused ...

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Insurance for Consultants

... consultancy services. 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 ...

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Insurance for Recruitment Consultants

... damage). A Business Insurance package can also cover your portable equipment, glass and for loss of revenue due to business interruption in specified circumstances.  In addition, cover is available for public liability ...

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Insurance for Plumber

... to consider is Public Liability insurance*. It 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 ...

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Insurance for Professionals

... damage). A Business Insurance package can also cover your portable equipment, glass and for loss of revenue due to business interruption in specified circumstances.  In addition, cover is available for public liability ...

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Insurance for Painters

... you could be creating. Public Liability insurance is designed to protect you and your painting business in the event a customer, supplier or a member of the public is injured or sustains property damage as a result of ...

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Insurance for Furniture Manufacturers

... is where business insurance comes into play and should be one of ... . The process of arranging your insurance can feel overwhelming at times ...  or a member of the public are injured or sustain property damage as a result of your negligent business activities and claim against you.    Product Liability insurance protects your businesses against claims by ...

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Insurance for Hair & Beauty Services

... therapists. Public Liability insurance is designed to provide protection for you and your hair and beauty business in the event a customer, supplier or a member of the public is injured or sustains property damage as a ...

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Insurance for martial art teachers

... , Public Liability insurance is important for martial arts trainers by providing protection for you and your business in the event a student, supplier or a member of the public is injured or sustains property damage as ...

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Insurance for Allied Health Professionals

... personal injury or property damage claims being made against your business. If you have a home-based practice, the Public Liability insurance provided under your Home and Contents insurance may exclude claims relating ...

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Business Insurance Guide for the Self-Employed - Part 1

... opportunity to pursue your passion and being in control of your ... of managing your finances, marketing and other key plans for success ... focus ... . What is Public Liability Insurance? Public Liability insurance provides 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 ...

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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 [ ... ... your reputation What it doesn't cover: Intentional damage Fraud and dishonesty Known claims and circumstances Property damage Public Liability Insurance Working closely with your clients every day means there ...

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Keep calm and stretch on with Yoga Teacher insurance

Breathe in, breathe out, and let a wave of calm ... of arranging your yoga teacher insurance go. As a yogi or ... business. Let us centre your insurance ... What it doesn't cover: Intentional damage Fraud and dishonesty Known claims and circumstances Property damage Public Liability insurance When you work closely with clients and are in contact with suppliers or ...

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7 Types of Insurance Your Small Business Should Consider

... is Small Business Insurance. But what kind of insurance do you actually ... ... consider Public Liability Insurance - even home-based businesses. It covers you and your employees for potential liabilities to third parties if your products or services cause bodily injury or property damage. For ...

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Insurance for Cafes

... accidents can and do happen. 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 is injured or sustains property damage as a ...

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

Know you need business insurance but aren't sure how ... business for a while and looking to buy insurance for the first ... ... business or have been in business for a while and looking to buy insurance for the first time; there are a few questions ... Public Liability insurance covers against the legal costs for claims of injury or property damage ...

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Dishing up the facts on food business insurance

... you have the right business insurance. When it comes to insuring ... an overwhelming choice of policies and policy options [] ... Public Liability insurance is designed to protect your business against such claims by covering your legal and defence costs, and any compensation that is awarded as a result of third-party accidental injury or property ...

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What are the Insurance Options for Land Surveyors?

... exceptionally hard, mistakes can occur and have the potential to lead ... the nature of the job and the potential of other work ... issues, protecting ... uses. Public Liability 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 ...

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Insurance for Bakers

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

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Insurance for Gift Shops

... your store. Public Liability insurance is designed to provide protection for you and your gift shop business in the event a customer, supplier or a member of the public is injured or sustains property damage as a result ...

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Insurance for Nurses

... ; Public Liability insurance is an easy choice for nurses. It is designed to provide protection for you and your business in the event a patient, supplier or a member of the public is injured or sustains property damage ...

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Insurance for Finance & Mortgage Brokers

... damage). A Business Insurance package can also cover your portable equipment, glass and for loss of revenue due to a business interruption in specified circumstances. In addition, cover is available for public liability ...

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Insurance for Restaurants

... Liability insurance. Public Liability insurance is designed to provide protection for you and your restaurant business in the event a customer, supplier or a member of the public is injured or sustains property damage ...

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Insurance for Civil Engineers- what you need to know

... about what kinds of business insurance coverage you may need to ... ... Public Liability insurance. Public Liability insurance is designed to provide protection* for you and your business in the event a client, supplier or a member of the public are injured or sustain property damage ...

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Insurance for Social Workers

... and ... public or a supplier claims against you for injury or damage to their property as a result of your alleged negligent business activity. Employers Practices Liability Employment Practices Liability (EPL) insurance ...

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Insurance for pharmacy and pharmacists

... include claims resulting from dispensing errors, breaches of privacy and investigations/actions brought by AHPRA and other regulatory bodies. Public Liability insurance* is another type of cover likely to be relevant ...

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Business Insurance

... suit you best. And you can include Public Liability Insurance to ensure you are not financially responsible for the costs of a legal claim should a third party get injured or suffer property damage whilst you are doing ...

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Insurance for Registered Migration Agents

... Liability insurance is an easy choice for Migration Agents. It is designed to provide protection for you and your business in the event a customer, supplier or a member of the public is injured or sustains property ...

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Insurance for Convenience Stores

... cover is an important form of insurance and is also often required as part of a commercial lease agreement. Insurance for Convenience Stores Public Liability Insurance* Public Liability insurance is an important form of ...

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Insurance for Sole Traders and Self Emplyed

... is Public Liability insurance. 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 ...

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What does Professional Indemnity Insurance cover?

... for: Damages and claimant costs awarded against you Civil liabilities which ... insurance Acts of fraud and dishonesty Accidental injury and property damage What types of professionals need Professional Indemnity insurance ...

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5 Surprising Things Business Insurance Can Cover

When looking for Business Insurance, most small business owners typically ... things such as their legal liabilities and top of mind assets such ... ... be taken out as part of your Business Insurance policy. In some cases may even be ... and replacement of damaged property. Don't forget to ensure you have your Public Liability cover in case a customer or member of the public ...

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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 ... as fire, storms, theft and accidental damage. When insuring your ... covers such as Public Liability and Professional Indemnity insurance to ensure you are not left financially responsible for the costs of a legal claim should a third party get injured or suffer property damage, or incur ...

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Things you didn't know about small business insurance

Getting the insurance sorted for your small business ... , jump online, compare quotes and buy the insurance that suits your business ... not know ... and contents insurance policy might not cover all the liabilities related to your business. As an example most home and contents policies do not cover you for bodily injury or property damage ... a public liability policy ...

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Additional Cover for Professional Indemnity Insurance

... Fernando for his certificates of insurance - it's just part ... ... , not just because you're following trends. I definitely would recommend it.” Public liability protects businesses from bodily injury or property damage claims that arise in the course of doing business. In Hish's case ...

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Insurance for architects- the blueprint to success

... the challenge of crafting plans and working on demanding projects where ... ... go awry and the chance of a claim occurring. Public Liability insurance is an essential form of cover to protect you against financial losses that arise from a claim of third-party accidental injury or property damage as ...

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

... most common issues with Business Insurance is that policy owners often ... it does protect you against, and the risks that still remain ... ... of your insurance. Read the below carefully: Public Liability – This protects against the financial risk of being found liable for causing injury to a third party or damage to their property. Generally also includes ...

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A guide to Plasterer's insurance that won't leave you, board

... by not having the right insurance in place? Read on to ... ... , Public Liability insurance is one of the important types of insurance you will need as a Plasterer. It provides financial protection for you and your employees if you cause accidental injury to a third party or damage ...

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Insurance for Cabinet Makers- What You Need to Know

When it comes to building and creating quality pieces of craftsmanship, ... eye for detail, with precision and creativity learnt over time. Building ... Liability insurance*. It is designed to provide protection for you and your cabinet making business if a customer, supplier or a member of the public brings a claim against you after they are injured or sustain property ...

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5 Tips for an Insurance Health Check

If your insurance is due for renewal or ... of your insurance to ensure that if the unthinkable happens and your ... ... to do a health check of your insurance to ensure that if the unthinkable happens and your business is hit by a major ... Public Liability Protection against the damages from a claim for personal injury or property damage ...

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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 ... business and your bottom line. Whilst you've got the insurance to ... ... . Liability Claims Another common claim seen all too often is for damage of a third parties property. In the last 6 months, BizCover has seen claims for broken and burst water pipes, damage to structure, and damage to ...

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5 insurances every convenience store owner needs to know about

... the needs of your business and the best way to insure ... ... marketing and importantly your Public Liability insurance. It is one of the most essential types of cover, protecting your store from potential claims from a third party for accidental injury or damage to their property ...

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5 Things to Consider When Buying Public Liability Insurance

Public Liability insurance. It's one of those ... business? Not all Public Liability policies are the same and along with cost ... ... place. 4. Take the time to compare quotes There are many options when it comes to purchasing your Public Liability insurance and one thing to keep in mind is the cheapest option may not always be the most suitable for ...

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Public Liability Insurance Scenario

... is hurt - badly - and you're responsible. You hang ... ... needed was public liability insurance or insurance that protects you and your ... business from being found liable to a third party for loss, injury or damage ...

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The Risks of Growing Your Small Business

... it all on the line, and take a giant leap forward ... ... primary insurances - public liability and professional ... liability! Public Liability (or 'PL') covers claims against personal injury or property damage to a third party and can include Product Liability to cover damage ...

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Insurance Premiums for Retailers Continue to Climb

Insurance Premiums for Retailers Continue to ... Small Business Insurance Price Index has been released (Graph 1), and similar ... an increase ... Insurance Price Index (Financial Year 2017 2nd Quarter) There was no change in the Professional Indemnity sector, but the index for Public Liability and ... prices. Graph 2 – BizCover PL/BizPack Retail Index (Financial Year ...

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PI Index: Premiums Decline 10 Straight Quarters

Business Insurance Premiums Decline 10 Straight Quarters, ... and healthy competition in the business insurance market. The BizCover Small Business ... of supply and healthy competition in the business insurance market. The BizCover Small Business Insurance Index has ... /Public Liability and Public Liability/Business Packs are not seeing the same reductions and are ...

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Who is Covered Under an IT Liability Policy?

... Insurance Professionals in the information technology sector face potential liabilities from clients and ... so their systems work efficiently ... contracts between consultants and clients requiring these insurances in addition to professional indemnity. The benefit of having professional indemnity, products liability and public liability contained in the ...

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Insurance for Massage & Alternative Therapies

... form of cover. Public Liability insurance is designed to provide protection for you and your business in the event a client, supplier or a member of the public is injured or sustains property damage as a result of ...

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Insurance for Pet Professionals

... comes into play. 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 ...

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Insurance for Butcher Shops

... for 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 is injured or sustains property damage as a result of ...

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Insurance for Psychologists

... . Accidents can and do happen- something as simple as a client tripping over at your premises, or you damaging a client's property - could result in a costly public liability claim. Business Insurance* Your clients ...

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Insurance for IT Professionals

... client's offices. Public Liability insurance is designed to provide protection for you and your IT business in the event a customer, supplier or a member of the public is injured or sustains property damage as a result ...

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Insurance for Furniture Manufacturers

... 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 are injured or sustain property damage as a result ...

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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.