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Legal Requirement for Public Liability Insurance

Public liability insurance covers your business for losses or damage to a third party ... business' activities. Failure in obtaining public liability ... Does Public Liability Insurance Cover? Broadly, public liability insurance covers loss or damage to property, injury or death and ...

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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 ... NHAA members should hold and maintain Professional Indemnity and Public Liability insurance. #1 Protection against ... or cause property damage, you face the risk of legal action. Public Liability insurance protects ...

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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 ... for personal injury, death, or damage ... personal injury, death, or damage to their property. And whilst you probably take ... regarding requirements for holding Public Liability insurance. Each state and territory has their own ...

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Public Liability Insurance

... ? Compensation for personal injury and/or property damage to a customer or member ... the public Legal and defence costs Public Liability Insurance protects you and your business against ...

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Public Liability Insurance

... is hurt - badly - and you're responsible. You hang up. ... ... Janine needed was public liability insurance or insurance that protects you and your business from ... party for loss, injury or damage resulting from an act of ...

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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 to ... business for a while and looking to buy insurance for the first ... ... Public Liability insurance covers against the legal costs for claims of injury or property damage ... client information Management Liability insurance covers businesses and their directors personal assets ...

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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 ... essential covers such as Public Liability and Professional Indemnity insurance to ensure you are ... party get injured or suffer property damage, or incur a loss due ...

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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 ... have at least $5 million public liability cover to secure work with ... property and bank account information.  The following example show why cyber insurance is ...

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How the cost of Professional Indemnity insurance is calculated

... Professional Indemnity (PI) insurance policy is calculated and why one profession can ... Indemnity insurance. Insurance policy pricing is ... Indemnity insurance. Insurance policy pricing is generally calculated on risk factors and put ... need to cover the potential damages and legal expenses? How many employees ...

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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 damage Fraud and dishonesty Known claims and circumstances Property damage Public Liability insurance When you work ...

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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 ... ... , your revenue, and your liabilities. Public Liability Insurance Every business should consider Public Liability Insurance - even ... services cause bodily injury or property damage. For example it can provide ...

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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 […] ... food businesses consider? Public Liability Insurance Dishing up food and beverages to the public ... of third-party accidental injury or property damage because of your business activities. ...

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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 . ... types of cover - Public Liability and Product Liability. Public Liability Public Liability covers you for the ... is injured or suffers damage to their property as a result of ...

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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 ... of third-party accidental injury or property damage as a result of your ...

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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. ... ... type of your insurance. Read the below carefully: Public Liability – This protects against ... not covered for intentional damage, fraud and dishonesty or property damage. You should also ...

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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 ... and 'nice to have' insurance. Examples of “must have” insurance: Public Liability– protects against legal and ... is injured, or has their property damaged while you are providing a ...

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5 Surprising Things Business Insurance Can Cover

When looking for Business Insurance, most small business owners typically ... such as their legal liabilities and top of mind assets such ... as their ... signs and replacement of damaged property. Don't forget to ensure you have your Public Liability ... an unforseen event. Business Interruption insurance is designed to compensate you ...

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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 ... ... Public Liability Protection against the damages from a claim for personal injury or property damage ... legislative breaches. Cyber Insurance Protection against the expenses and legal costs associated ...

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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 ... or property. If you work from home, your home and contents insurance policy ... put this in perspective, a public liability policy for an SME working ...

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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 protection ... suffers an injury (or even damages property) as a result of you ...

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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 ... your business and your bottom line.  Whilst you've got the insurance to ... ... most common BizCover Business Insurance customer claims, and tips on how to ... footpath and burst a water pipe causing water damage to the property as ...

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5 Common Beauty Insurance Claims

... we take to prevent them – and the simplest of setbacks can ... ... damaged the products she had displayed on it. “Thankfully my Business Insurance ... hold a Public Liability policy. I've always enforced strict health and safety procedures ...

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The Easter Bunny's Guide to Business Insurance

... kilograms of chocolate are purchased and consumed around the world. In ... ... , it could also represent a public liability risk, for which the Easter ... Insurance pack the Easter Bunny would have cover for machinery breakdown and ...

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Insurance prices remain steady despite market predictions of higher premiums

... , the latest BizCover Small Business Insurance Index is showing little change ... stricter underwriting criteria and higher prices, excess capacity ... highly profitable small business sector.” Public Liability and Professional Indemnity prices have seen ... insurance increasing in the short term. Loss ratios in areas like property ...

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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 ... consider increasing the level of public liability insurance that you hold. Are there ... the increased value of general property, machinery and other contents your business ...

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Cyber Liability Insurance: the safety net small businesses need

... doing real damage across the globe, particularly in Australia and especially to ... , no small business is immune and […] ... hijacking are still widely used and becoming increasingly sophisticated. The consequences ... included in Cyber Liability insurance are: · Damage to property · Replacement of equipment · Prior ...

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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 ... not universal. Graph 1 – BizCover Insurance Price Index (Financial Year 2017 ... sector, but the index for Public Liability and Business Packs increased 4 points. ...

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Small Business Insurance Price Index Q3

Insurers hold on to SME Insurance Premium Price Increases!  Despite a ... BizCover Small Business Insurance Price Index has shown insurance ... BizCover Small Business Insurance Price Index has shown insurance rates dropping back ... non professional sector, primarily around Public Liability and Business Packs (predominately covering perils ...

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Comparethemarket.com.au and BizCover Announce White Label Partnership

... Australia's leading FinTech providers, BizCover and comparethemarket.com.au have joined forces, ... online provider of small business insurance, having ... Australian small businesses compare and buy their insurance online. Their White Label ... be in charge of their insurance and this partnership makes this increasingly ...

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Personal Accident and Illness Insurance for Tradies

... exposed to lots of risks, and if something does go wrong ... ... illness. That's where Personal Accident and Illness Insurance comes in to play. ... fortunately had Personal Accident and Illness insurance and was able to claim $600 ...

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Product Liability Insurance

... Product Liability Insurance? Product Liability insurance usually forms part of a Public Liability policy. ... do cause injury or property damage, Product Liability insurance will help to cover ...

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Small Business Continues to Win on Insurance Prices!

... ; however the BizCover Small Business Insurance Price Index for the first ... ... ; however the BizCover Small Business Insurance Price Index for the first ... across all insurance classes were stable across the quarter, and this was ...

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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 ... ... at your business as risky and price your policy premium accordingly ... making a claim having enough insurance could mean the difference between ...

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7 Steps for Your Business to Survive and Thrive

... your ticket to a freer and more relaxed lifestyle, right? By ... ... effectiveness of your marketing activity and explore no/low cost strategies to ... increase could recoup inflated expenses and noticeably boost your annual income. ...

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When it Rains it Pours: Understanding Flood Cover.

... comes to Business Insurance, understanding what's included and excluded from your policy ... ... comes to Business Insurance, understanding what's included and excluded from your policy ... , any loss or damage to the physical property would likely be covered ...

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Comparing Portable Equipment & Electronic Equipment Cover

Business insurance isn't always straightforward, and sometimes you need to get ... nitty-gritty to understand what insurance is being offered ... ; Breakdown is the first level and covers the equipment itself, Restoration ... This insurance provides repair or replacement for accidental loss or damage to ...

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A Close Shave with Underinsurance

... growing and changing it’s important to make sure that your Insurance ... grows with your business and you're not left ... businesses ... sure that your Insurance grows with your business and you're not left ... and like any good business owner, covered her business with Business Insurance. ...

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The Risks of Growing Your Small Business

... it all on the line, and take a giant leap forward. ... ... themselves, but the primary insurances - public liability and professional indemnity - are crucial. ... liability! Public Liability (or 'PL') covers claims against personal injury or property damage to a ...

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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 ... you have an active Public Liability insurance in place. Public Liability insurance is designed to protect ... accidental injury, loss or damage to their property. The last thing you ...

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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 adequate ... , stock, portable valuables and money; damage to buildings and glass; and machinery breakdown. It ...

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Who is Covered Under an IT Liability Policy?

Information Technology Insurance Professionals in the information technology ... face potential liabilities from clients and third parties everyday. Clients ... Liability Policy? An IT Liability insurance policy typically will cover the ... having professional indemnity, products liability and public liability contained in the same policy ...

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Small Business Index July 2015

... insurance rates but is the tide turning? An oversupply of capacity and ... competition in the insurance market over the last ... down the ... down the price of professional/business insurance for Australian SMEs. Since the ... Indemnity, Combined Professional Indemnity & Public Liability and Public Liability /Business Packs. Michael Gottlieb, BizCover ...

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

... seems to be hardening for insurance for larger businesses, the latest ... BizCover Small Business Insurance Price Index is showing no ... ... , the latest BizCover Small Business Insurance Price Index is showing no ... keeping prices down. Professional Indemnity and Public Liability, including multiple section business packs ...

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Gold Coast Mobile Juice Business Gets a Boost

... , Australia's biggest online small business insurance provider . […] ... Indemnity, Public Liability, Business Insurance, Management Liability and now Cyber Insurance. BizCover provides multiple insurance quotes ...

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Professional Indemnity for Real Estate Agents

... Estate Industry Professional Indemnity Insurance provides essential financial ... of acts, errors and omissions from professional services ... licenses ... Real Estate Industry Professional Indemnity Insurance provides essential financial protection against ... auction for their client.   Property, Stock and Business Agents Act 2002 Whitaker ...

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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 ... have a crystal ball and prevent accidents and incidents from happening, but ... reputational damage whilst your business is under scrutiny. Management Liability Insurance Being ...

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Professional Indemnity Claims: when should I notify my insurer?

Your Professional Indemnity (PI) insurance is no doubt one of ... needed financial assistance for legal and compensation costs in the event ... against ... instances on his application for insurance. In particular, one complaint made ... you, including lawyers and investigators, and without your insurance your could find yourself ...

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Customer Spotlight: Being Brands

... their clients, from logo designs and websites to fully realised creative ... ... of growth, and their high-level clients, that makes their insurance a must. ... care of all our insurance, saving us time and making the process ...

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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 […] ... services, advertising, iPads, hardware and equipment, and training courses. They've even granted ... traditional methods of buying insurance,” said BizCover Founder and Managing Director, Michael ...

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BizGiver finds it's latest winner in Wild Forage

... seasonal wild edible plants, herbs and seaweed to high end restaurants ... ... consuming and costly at present.” The grant, started by BizCover Insurance in ... methods of buying insurance, said Michael Gottlieb, Founder and Managing Director of ...

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Pet Stays, becomes the 32nd BizGiver winner

... the 32nd Winner of BizCover Insurance's BizGiver $2000 Small Business Grant ... ... , who have embraced our online insurance services over more traditional methods ... of buying insurance, said Michael Gottlieb, Founder and Managing Director 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 ... great portrayal of Polish food and culture.” Additionally, the restaurant has ... customers always demand new and exciting experiences and you need to give ...

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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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Tips for making a Stress-Free Claim

Making an insurance claim can be stressful – but ... get your business back up and running as quickly as possible. ... make potential claims a stress ... a claim, particularly on physical property such as stock, machinery or ... out more about Business Interruption insurance here. When Disaster Strikes Call ...

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Is your Small Business Summer Proof?

... of public holidays, long days and great weather.  But along with ... own unique set of challenges and risks every small business should ... ... months is the overheating and breakdown of machinery and equipment.  Electrical surges ... a Business Insurance Pack will cover your for damage to any glass ...

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Why having an office inventory list is essential.

... something happens and the time comes to claim on your insurance. When ... the big things, computers, machinery and the like, but what about ... something happens and the time comes to claim on your insurance. When ... a fire, theft or malicious damage, the costs incurred could be ...

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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 ... ... are easy to set up and run and are good for businesses ... protecting your intellectual property and confidential information and will include indemnities and clear descriptions ...

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BizCover partners with Energy Retailer CovaU

... insurance provider BizCover has announced a partnership with Australian electricity and ... version of its online insurance platform for CovaU ... a range of business insurance quotes, compare and buy online, in a ... traditional way of purchasing business insurance, and often delivering substantial savings to ...

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BizCover wins dual accolades over two big nights

... experience in the Small Business Insurance space. On Tuesday night, BizCover ... award recognised the “Small Business Insurance […] ... comprehending the finer print and getting their insurance sorted online, BizCover developed ... Fast 50 showcases forward-thinking businesses and we're thrilled to see BizCover ...

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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 ... and healthy competition in the business insurance market. The BizCover Small Business Insurance ... groups, Combined Professional Indemnity/Public Liability and Public Liability/Business Packs are not ...

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Taking the W: The Art of Celebrating a Win

In the insurance world, we focus on loss ... 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 ... negatives. In fact, we see insurance as a hugely positive part ...

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5 Reasons to love Personal Accident Cover

Personal Accident and Illness Insurance (IPA Cover)offers financial protection ... Personal Accident and Illness Insurance (IPA Cover)offers financial protection ... Health Checks Unlike some other insurance policies, a personal accident policy ...

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Customer Spotlight: Elite Words

... elements of the organisation's website and content, Natalie decided to strike ... ... , proofing, content strategy, content analysis, and content audits. “I love working ... worry about the cost of insurance.” “In the short term, organisations ...

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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 ... ... their focus on customer service, and insistence on high-quality products. “We ... the importance of a comprehensive and robust insurance plan for his business. ...

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Preparing your small business for a Tax Audit

... , audits are generally time consuming and quite stressful. Here are 4 ... ... you, but keeping your personal and business finances separate, including bank ... as part of your business insurance or as a standalone policy. ...

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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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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 ... with them) with my research and development grants. Hopefully this is ...

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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 ... (including media, airlines, banking and car manufacturers) and expanded the business to ... promotions, cater for exhibitions and conferences, and can provide a hot dog ...

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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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We Bar None wins the 36th BizGiver Grant

... fan base for their taste and nutrition value, but more recently ... ... huge range of healthy, delicious, and interesting convenience foods in North ... more distributors all over Australia and potentially overseas. “My goals have ...

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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 ... interruption and productivity loss, network and security counter measures, legal fees and cost ... them. Business Insurance cover options such as Management Liability and Cyber Liability ...

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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 ... Australia's first online Small Business Insurance Comparison Site, is a $2000 ... lower NSW Coast and even a Children's Entertainment and Circus Performer based ...

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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 ... little time searching classified and auction sites and you can often find ... , credit card, bank account or insurance for their business.  It may ...

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Reviews related to public liability and property damage insurance

  • Quick and easy cover, made the process so straight forward and saved me having to run around getting quotes from everyone

    Sara M
    Bookkeeping and BAS Agency Services

  • Very affordable insurance for public liability. I now use Bizcover for both my fast food business and my contractual training work.

    Katrina S
    Fast Food Retailing

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

    Troy M
    Landscape Construction

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

    Les K
    Door Or Window Wholesaling

  • seems easy enough to obtain our public liability. Hopefully we are fully covered now.

    Natalie R
    Commercial Cleaning Services

  • Fantastic. Needed to organise business insurance for a new business over the Christmas holiday period. No other insurance companies were open. What a relief I could search, compare and secure a new insurance policy online through BizCover! Highly recommen

    Katherine W
    Motel Operation

  • I compliment your company on such an easy and effortless way to acquire insurance with good information when comparing Insurer options.

    Tim M Mesic
    Architecture & Surveying

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

    Shirley M McIntosh
    Trades & Services

  • It was so fast and simple to obtain insurance for my small business!! I am a new small business owner and am new to this so I found it easy to use and fast to obtain :)

    Ragan M
    Allied Health

  • I compliment your company on such an easy and effortless way to acquire insurance with good information when comparing Insurer options.

    Tim M
    Interior Design Service

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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?