Legal Requirement for Public Liability Insurance

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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?

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Public Liability

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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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Insurance for Furniture Manufacturers

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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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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 ... ? Insure your legal liability! Public Liability (or 'PL') covers claims against personal injury ...

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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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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 ... 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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Who is Covered Under an IT Liability Policy?

Information Technology Insurance Professionals in the information technology sector face potential liabilities from clients and third parties everyday. Clients expect ... policies combine Professional Indemnity (PI), Public Liability and Products Liability to cover ... professional indemnity, products liability and public liability contained in the same policy ...

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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 ... compensation awarded to the claimant. Public Liability insurance also extends to Product ...

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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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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 ...

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

Know you need business insurance but aren't sure how to get started? Which policy is right? How much cover is enough? Whether you're opening up a new business or have ... of cover available to businesses. Public Liability insurance covers against the legal ... Protection extension when taking out Public Liability insurance which covers defects in ...

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

In the blink of an eye, the silly season is here again! For some, it's the busiest time of year, from retailers helping people get their last-minute gifts and service ... you have an active Public Liability insurance in place. Public Liability insurance is designed ... the owner and if your Public Liability policy includes this. Batten down ...

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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 ... , Combined Professional Indemnity & Public Liability and Public Liability /Business Packs. Michael Gottlieb, BizCover ... The Combined Professional Indemnity & Public Liability market, which is largely dominated ...

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Insurance Considerations for Personal Trainers

Working as a personal trainer can be a rewarding career. Not only do you get to help your clients achieve their goals and transform their lifestyles, but it's also the ... these types of risk consider public liability insurance which will provide financial ... services. Find Out More About Public Liability Insurance As a personal trainer ...

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The Easter Bunny's Guide to Business Insurance

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 ... , it could also represent a public liability risk, for which the Easter ...

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

The world of plastering is varied, one day you're crafting decorative ceiling features, the next hanging drywall in an office complex. You've worked hard to get your ... a liability Like most trades, Public Liability insurance is one of the ... you to have your own Public Liability insurance policy before being able ...

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Insurance for architects- the blueprint to success

The career of an architect is an exciting one, yet it's not one without risk. From the ground up, your responsibilities are skyscraper high. Beginning with the first ... arising from your previous work. Public Liability Insurance If you're dealing with ... chance of a claim occurring. Public Liability insurance is an essential form ...

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Preparing your store for the holiday season ahead

The holiday season is upon us, which is an important time for retail businesses. It can provide a much needed boost in sales, but on the flip side it can also mean an ... and legal expenses. Ensure your Public Liability insurance policy has adequate cover ... and your business against a public liability claim. Reduce shoplifting The busier ...

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5 Surprising Things Business Insurance Can Cover

When looking for Business Insurance, most small business owners typically worry about covering the major things such as their legal liabilities and top of mind assets ... to ensure you have your Public Liability cover in case a customer ...

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5 Tips for an Insurance Health Check

If your insurance is due for renewal or you are just wanting to do a general review of your business, it's worth taking time to do a health check of your insurance to ... advice that has been provided. Public Liability Protection against the damages from ... upping the level of your Public Liability insurance. Similarly, take into account ...

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Small Business Insurance: Why you might want to ensure you're covered!

Running a business can be rewarding, challenging but also stressful. While you will are taking control of your earning potential and the upside can be great, there are ... If you rent your premises, public liability may be a requirement from ... have at least $5 million public liability cover to secure work with ...

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5 insurances every convenience store owner needs to know about

You're a retail lifesaver, helping customers at all hours with all sorts of essentials, from early morning coffees to midnight snacks. As a convenience store, you've ... banking, marketing and importantly your Public Liability insurance. It is one of ... costly without the right protection. Public Liability insurance can provide you with ...

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

One of the most common issues with Business Insurance is that policy owners often fail to understand what it does protect you against, and the risks that still remain ... insurance. Read the below carefully: Public Liability – This protects against the financial ...

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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 ... a massive 8 points for Public Liability and Business Packs, most other ...

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Small Business Insurance Index

Despite strong price increases in the business insurance market, SMEs are continuing to benefit from flat pricing. Whilst the market at large has seen an increase in ... to the cost of their Public Liability insurance. SME Professionals have been ... seeing increases in their Public Liability insurance over the last few ...

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A roadmap to staying in business for the long haul: Part 2

The journey to becoming a successful small business owner is one of twists, turns and the occasional speed bump. In our two-part series (catch up on part 1 here) we map ... help keep your business alive: Public Liability is an essential cover for ... are not found liable, your Public Liability policy will cover the associated ...

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The Art of Being a Creative Small Business

Whether you're running your own business as a small team or flying solo in the freelance world, one thing is for sure, the creative arts industry is anything but boring ... be a requirement to hold Public Liability insurance before you can perform ...

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Things you didn't know about small business insurance

Getting the insurance sorted for your small business can be pretty straightforward, jump online, compare quotes and buy the insurance that suits your business. But there ... put this in perspective, a public liability policy for an SME working ...

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5 Common Beauty Insurance Claims

As much as we like to hope otherwise, unexpected events happen! Things can go dreadfully wrong despite the best efforts we take to prevent them - and the simplest of ... my landlord to hold a Public Liability policy. I've always enforced strict ...

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Small Business Insurance Price Index Q3

Insurers hold on to SME Insurance Premium Price Increases! Despite a drop in some rates, some insurers are holding on to pricing gains made last quarter. The latest Quarterly ... non professional sector, primarily around Public Liability and Business Packs (predominately covering ...

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Managing Risk for Tradesmen

Running your own trade business or working as a contractor often means you're exposed to greater risk than many other business owners. There's always the potential for ... business insurance. Protect your livelihood Public Liability insurance is undoubtedly one of ...

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Public Liability WA

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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 clumsy ... personal injury or property damage. Public Liability Insurance does just that. It ...

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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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Insurance for Tradesmen

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Insurance for Disability Workers

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Insurance for Personal Trainers

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Insurance for Electricians

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Insurance for Painters

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Insurance for Yoga Teachers

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Insurance for Handyman

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Insurance for martial art teachers

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Insurance for Lawn Mowing Services

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Insurance for Allied Health Professionals

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Business Insurance in Townsville

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Insurance for Hair & Beauty Services

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Insurance for Cafes

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Insurance for Mobile Food Vans

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Insurance for Consultants

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Insurance for Retailers

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Insurance for Architects

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Insurance for Restaurants

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Insurance for Butcher Shops

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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 ... of risks. Public Liability insurance Civil Engineers should also consider Public Liability insurance. Public Liability insurance ...

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Insurance for IT Professionals

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Insurance for Gift Shops

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Insurance for Dog Walkers

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Insurance for Plasterers

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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: