Public Liability Insurance in Perth

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Public Liability Insurance in Rockhampton

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Public Liability Insurance in Mandurah

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Public Liability Insurance in Hobart

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Public Liability Insurance in Darwin

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Public Liability Insurance in Brisbane

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Public Liability Insurance in Adelaide

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Public Liability Insurance in Port Macquarie

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What is Public Liability Insurance?

Do I need public liability insurance?Claim Example What is Public Liability Insurance?* Public Liability insurance protects ... any way you should consider Public Liability insurance. For example:^ Consultants/Contractors ...

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Public Liability

... of your negligent business activities. Public Liability Insurance also provides assistance with ... covered by the policy. Public Liability explained further… Product Liability explained further… Independent ...

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Public Liability Insurance

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 ... online. What Janine needed was public liability insurance or insurance that protects ... a relatively simple process. Purchasing public liability insurance online, where quotes are ...

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What is Product Liability Insurance?

... need Product Liability Insurance? What is Product Liability Insurance? Product Liability insurance* protects ... usually forms part of a Public Liability policy and the word 'product ...

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Do I need Public Liability insurance?

Do I need Public Liability insurance? Public Liability insurance is essential for small ... small businesses. Is Public Liability insurance a legal requirement? Public Liability Insurance is not ...

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Public Liability Insurance for Cabinet Makers

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 ... insurance for cabinet makers, Public Liability insurance. What is Public Liability insurance*? Typically one ... not be responsible for. Your Public Liability insurance covers your reasonable legal ...

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Legal Requirement for Public Liability Insurance

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Public Liability WA

... of your negligent business activities.    Public Liability insurance is designed to cover ... for your business here. Public Liability explained further… Product Liability explained further… Independent ...

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Public Liability NSW

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Public Liability QLD

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Public Liability PPC

Why do I need Public Liability Insurance? You can't prevent ... personal injury or property damage. Public Liability Insurance does just that. It ...

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Who is Covered Under an IT Liability Policy?

... information technology sector face potential liabilities from clients and third parties ... ... combine Professional Indemnity (PI), Public Liability and Products Liability to cover the IT ... having professional indemnity, products liability and public liability contained in the same policy ...

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Cyber Liability Insurance

... making business owners sweat. Cyber Liability Insurance can reduce your risks ... . The cost of hiring a Public Relations firm to assist the ...

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PI Index: Premiums Decline 10 Straight Quarters

Business Insurance Premiums Decline 10 Straight Quarters, but have we seen the bottom? Australian SME's continue to benefit lower premium rates due to the abundance of ... groups, Combined Professional Indemnity/Public Liability and Public Liability/Business Packs are not seeing the ... few quarters.” The combined PI&PL market, which is largely dominated ...

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Insurance for Consultants

... as at September 2019 Public Liability Insurance* Public Liability insurance is a no brainer ... addition, cover is available for public liability, tax audit, employment practices and ...

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Insurance for Personal Trainers

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Insurance for Recruitment Consultants

... covered by your policy. Public Liability Insurance* Public Liability insurance is an easy choice ... addition, cover is available for public liability, tax audit, employment practices and ...

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Insurance for Professionals

... costs and expert fees). Public Liability Insurance* Public Liability insurance can be an important ... for public liability, tax audit, employment practices and statutory liability risks. Cyber Liability* Cyber liability ...

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Small Business Index July 2015

SMEs benefiting from declining insurance rates but is the tide turning? An oversupply of capacity and competition in the insurance market over the last few years has ... Indemnity, Combined Professional Indemnity & Public Liability and Public Liability /Business Packs. Michael Gottlieb ... . The Combined Professional Indemnity & Public Liability market, which is largely dominated ...

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Insurance for Convenience Stores

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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 ... types of cover - Public Liability and Product Liability. Public Liability Public Liability covers you for the ... claims for legal liability if a member of the public or another ...

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Insurance for Disability Workers

... package includes Professional Indemnity* and Public Liability* insurance. Professional Indemnity* An important ... clients and members of the public, making Public Liability insurance an important type ...

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Insurance for Tradesmen

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Insurance for Painters

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Insurance for Carpenters

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Insurance for Handymen

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Insurance for Hair & Beauty Services

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Insurance for Furniture Manufacturers

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Insurance for Plumber

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Insurance for Electricians

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Insurance for Yoga Teachers

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Insurance for martial art teachers

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Insurance for Cleaners

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Insurance for Lawn Mowing Services

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BizCover SME Insurance Price Index Q1 FY20

... material price reductions on their Public Liability insurance, while prices have remained ... ... material price reductions on their Public Liability insurance, while prices have remained ... increases we have seen for Public Liability insurance in the broader market ...

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Insurance for Allied Health Professionals

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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, ... , but the primary insurances - public liability and professional indemnity - are ... You Do? Insure your legal liability! Public Liability (or 'PL') covers claims against personal ...

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Insurance Premiums for Retailers Continue to Climb

Insurance Premiums for Retailers Continue to Climb The latest BizCover Small Business Insurance Price Index has been released (Graph 1), and similar to quarter 2 of last ... sector, but the index for Public Liability and Business Packs increased 4 ... decrease prices. Graph 2 – BizCover PL/BizPack Retail Index (Financial Year 2017 ...

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The Risky Business of Insurance

What are the Real Costs to Australian Small Business? Small business owners tend to be juggling many balls - managing clients, cash flow, staff, stock and future planning ... . Examples of “must have” insurance: Public Liability– protects against legal and court ... them. Every business should have PL Professional Indemnity - protects against ...

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Insurance for Massage & Alternative Therapies

... them, making Public Liability insurance an important form of cover. Public Liability insurance is ... for public liability, tax audit, employment practices and statutory liability risks Cyber Liability* Cyber Liability ...

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Insurance for Cafes

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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 ... , and your liabilities. Public Liability Insurance Every business should consider Public Liability Insurance - even ... small business out of business! Public Liability Insurance explained. Professional Indemnity Insurance ...

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

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 ... claims and circumstances Property damage Public Liability Insurance Working closely with your ... good to have your Professional Liability and Public Liability cover combined through the ...

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Keep calm and stretch on with Yoga Teacher insurance

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 ... claims and circumstances Property damage Public Liability insurance When you work closely ... their yoga teacher members: $10m Public Liability $5m Professional Indemnity (malpractice), preferably ...

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Insurance for Retailers

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Insurance for Architects

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Insurance for Butcher Shops

... with customers and suppliers daily, Public Liability insurance is an important consideration ... a third party. Public Liability insurance usually includes Product Liability cover, to protect ...

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Insurance for Psychologists

... are covered by the policy. Public Liability Insurance* Considering you work closely ... addition, cover is available for public liability, tax audit, employment practices and ...

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Insurance for Pet Professionals

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Insurance for IT Professionals

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Insurance for Gift Shops

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Insurance for Restaurants

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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 ... difference between Professional Indemnity and Public Liability insurance, as these are two ... risks. Public Liability insurance Civil Engineers should also consider Public Liability insurance. Public Liability insurance is ...

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Insurance for Social Workers

... are covered by the policy. Public Liability Public Liability insurance* is an easy choice ... or working from an office, Public Liability covers legal fees and compensation ...

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Insurance for Mobile Food Vans

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Insurance for Plasterers

... Public Liability Insurance* Protecting your business with Public Liability insurance is a concrete decision. Public Liability ... payable to the third party. Public Liability insurance provides peace of mind ...

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Insurance for Dog Walkers

... a public park. Insurance for Dog Walkers Public Liability Insurance* Public Liability insurance ... is important for dog walkers. Public Liability ...

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Dishing up the facts on food business insurance

Flipping burgers, filleting fish, grinding coffee beans the fast-paced world of the food industry leaves no spare time to be left worrying about whether you have the ... even be compulsory, for example, Public Liability insurance is often required when ... insurance should food businesses consider? Public Liability Insurance Dishing up food and ...

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Home Based Business Insurance

... basic insurances to consider is Public Liability insurance. Public Liability insurance is designed to ... the disease.  Employment Practices Liability* Employment Practices Liability (EPL) Insurance is designed ...

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Insurance for Land Surveyors

... are covered by the policy. Public Liability* Public Liability insurance is designed to provide ... or certifying in Cairns, your Public Liability insurance policy will cover you ...

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Insurance for Electrical Engineers

... , investigator costs and expert fees). Public Liability* Being such a 'hand's ... clients, contractors and the general public. Public Liability insurance is typically an important ...

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Insurance for makeup artists

... , expert fees and court costs). Public Liability Insurance* When you're working ... contracting makeup artists to have Public Liability insurance before they  even start ...

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Management Liability Insurance

... potentially, your personal assests. Management liability insurance* protects directors and officers ... awarded to any claimants. Management Liability Insurance benefits: Private companies Company ...

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Protect your business with Statutory Liability Cover

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 ... , benefits and features of Statutory Liability insurance. Australia and the law ... your business Adding the Statutory Liability option* to your Business Insurance ...

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Statutory Liability

... considerBack to Business Insurance Statutory Liability* Statutory Liability insurance covers the company ... expenses Did you know? Statutory Liability generally insures the cost of ...

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Employment Practices Liability

... Business Insurance Employment Practices Liability Cover* Employment Practices Liability (EPL) Insurance is ... . Did you know? Employment Practices Liability cover is provided on a ...

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Here’s the lowdown on Public Liability insurance*

As a small business owner you already have lots to worry about. From paying your employees to getting stock delivered on time to generating new work opportunities – the list is endless! But have you taken the time to think about what an accident involving a third party could mean for your business?

As a small business owner, you have a legal responsibility to take reasonable steps for the safety of your customers, suppliers, community and their property. Public Liability Insurance is designed to provide protection for you and your business in the event a customer, supplier or a member of the public are injured or sustain property damage as a result of your negligent business activities.

Public Liability Insurance also provides assistance with the legal costs associated with managing claims that are covered by the policy.

 

Public Liability explained further…

Product Liability explained further…



Independent feedback from our customers rated our service at excellent.

What is typically included?**

Compensation for:

  • personal injury suffered by a third party (e.g. a customer, supplier or member of the public)
  • damage to property owned by a third party due to your negligent business activities
  • legal and defence costs associated with a covered claim
**Many public liability policies also provide cover for product liability.

 

What is typically not covered?* 

  • Injuries to your employees
  • Damage to your own property
  • Costs of rectifying faulty workmanship
  • Professional negligence
  • Contractual liability
  • Events occurring before or after the policy period

 

*As with any insurance, cover will be subject to the terms, conditions and exclusions contained in the policy wording. The information contained on this web page is general only and should not be relied upon as advice.

Download Public Liability Fact Sheet

Your Cover Options 

With BizCover you can choose from 3 limits of liability (levels of cover): $5million, $10 million or $20 million.

Policies are tailored to the unique needs of individual businesses. One business may require a different amount of cover compared to another.

When deciding on how much cover you should have a think about factors like: