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Legal Requirement for Public Liability Insurance

Public liability insurance covers your business for losses or ... business' activities. Failure in obtaining public liability insurance policy ... your business should be covered by public liability insurance in the following ... a public liability policy of some nature. What Does Public Liability Insurance Cover? Broadly, public liability insurance covers ...

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What is Public Liability Insurance

... of business. With the right Public Liability cover, the insurance company will provide ... of financial risk. Phew! Most Public Liability policies also extend to Product ...

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Public Liability Insurance

... policies from 3 levels of cover, $5 million, $10 million and ... public Legal and defence costs Public Liability Insurance protects you and your ...

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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 ... cover your business against accidents is a relatively simple process. Purchasing public liability ...

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

... being aware of what isn't covered should also be considered, […] ... insurance. Read the below carefully: Public Liability – This protects against the financial ... Generally also includes Product liability cover. Professional Indemnity - Professional Indemnity ...

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5 Surprising Things Business Insurance Can Cover

... business owners typically worry about covering the major things such as ... you know you can get cover for most risks that a ... ... to ensure you have your Public Liability cover in case a customer or ... replacement parts arrive quickly. The cover can also apply to deterioration ...

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5 Reasons to love Personal Accident Cover

... Accident and Illness Insurance (IPA Cover)offers financial protection when you ... or sickness. A policy will cover your lost income while you . ... Accident and Illness Insurance (IPA Cover)offers financial protection when you ... 3.Adjustable low premiums With IPA cover you'll pay lower premiums than ...

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When it Rains it Pours: Understanding Flood Cover.

... when it comes to flood cover. But it doesn't need to ... explaining the basics of flood cover (through the policies available on ... ... explaining the basics of flood cover (through the policies available on ... as an optional extension to cover for building, contents and/or stock ...

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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 ...  Professional Indemnity (PI), Public Liability and Products Liability to cover the IT professional ... professional indemnity cover. It also provides cover for products and public liability - this ...

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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 real ...

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The bricks and mortar of building insurance cover- what you need to know

Your business property is like your home away from home and is the place where you work your magic. Whether you're in the business of providing expert advice to clients ... own commercial property: Building Cover What is Building Cover? Building Insurance provides ... insurance policy. However, some commonly covered items include: Business owned property ...

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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 ... two types of cover - Public Liability and Product Liability. Public Liability Public Liability covers you for the ...

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Keep calm and stretch on with Yoga Teacher insurance

... worrying about having the right cover in place to protect your ... ... on your studio floor, Public Liability insurance can cover the related costs to ... Public Liability policy is there to cover your repair bill. Public Liability will typically not cover ...

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5 Tips for an Insurance Health Check

... not only have the right cover […] ... the risk areas that they cover. Professional Indemnity Protection against financial ... advice that has been provided. Public Liability Protection against the damages from ...

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

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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 ... great thing about Public Liability insurance is that it covers you anywhere in ... have your Professional Liability and Public Liability cover combined through the one insurer ...

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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 ... competitive. Online insurance experts BizCover cover over 2,000 occupations and ...

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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 ... that the venue has Public Liability cover in place to cover your employees and ...

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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 ... should consider Public Liability Insurance - even home-based businesses. It covers you and ... renovations to their house. Public Liability not only covers the cost of compensation ...

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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 ... a public liability risk, for which the Easter Bunny has maximum cover. If ... Of course this coverage doesn't cover deliberate, intentional or reckless acts ...

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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 ... insurance should food businesses consider? Public Liability Insurance Dishing up food and ... or vandalism and extends to cover windows, mirrors, porcelain and illuminated ...

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Product Liability Insurance

... usually forms part of a Public Liability policy. It is designed to ... Liability insurance will assist with covering the costs of defending such ...

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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 ... cover to protect yourself against claims arising from your previous work. Public Liability ... claim occurring. Public Liability insurance is an essential form of cover to protect ...

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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 ... public). To cover these types of risk consider public liability insurance which will ... services. Find Out More About Public Liability Insurance As a personal trainer ...

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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 ... expenses. Ensure your Public Liability insurance policy has adequate cover to protect you ... and your business against a public liability claim. ...

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New Year Insurance Health Check!

2016 is here! New Year is traditionally a time for people to make resolutions and plan for their year ahead. It's also a great time for business owners to take stock ... consider increasing the level of public liability insurance that you hold. Are ... to a claim.  Continuous cover extends cover should a claim arise out ...

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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 ... your personal insurance may not cover your business liabilities or property. ... 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 ... policy included building and contents cover”, says Sarah. She lodged a ... my landlord to hold a Public Liability policy. I've always enforced strict ...

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5 Reasons To Review Your Business Insurance This Christmas

Christmas can be a busy (as well as stressful!) time for many small businesses.  Come December the big Christmas countdown is on as people are busy preparing for the ... Public Liability, and if you do have it, ensuring you have adequate cover. ... considered whether you have enough cover for the increased levels of ...

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Gold Coast Mobile Juice Business Gets a Boost

Latest Winner of Bizcover.com.au $60,000 'Small Business Buddy Program' Queensland, October 13, 2014: Burleigh resident Aimie van Santen is the newest recipient of a ... sized businesses buy Professional Indemnity, Public Liability, Business Insurance, Management Liability and ... select and purchase the right cover immediately. BizCover partners with leading ...

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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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How to hire quality tradesmen for your small business with Oneflare

When hiring tradesmen for your small business, you don't have any room for error – so every tiny detail counts. It can be daunting and time-consuming sorting through ... insurance to look out for. Public Liability Insurance This is the most ... of insurance for tradespeople. It covers the business and their employees ...

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Insurance prices remain steady despite market predictions of higher premiums

Whilst the market at large has been talking about hardening rates over the last few months, the latest BizCover Small Business Insurance Index is showing little change ... highly profitable small business sector.” Public Liability and Professional Indemnity prices have ... through in non-compulsory areas of cover like property, which has resulted ...

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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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Is your Small Business Summer Proof?

Summer in Australia is a great time of year. There's a lot to enjoy, including plenty of public holidays, long days and great weather.  But along with these great ... your Business Insurance you also cover for Business Interruption which can ... freezer. Machinery Breakdown can be covered under a Business Insurance pack ...

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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 ... sector, primarily around Public Liability and Business Packs (predominately covering perils and theft ...

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A Close Shave with Underinsurance

Just as your business is growing and changing it’s important to make sure that your Insurance grows with your business and you're not left exposed.  A large number ... like any good business owner, covered her business with Business Insurance. ... picked up some business interruption cover when she amended her existing ...

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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 ... this case, the restaurant was covered and the crime section of ... their policy covered them. Business Insurance cover options such as ...

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Getting the Best Value on Your Business Insurance

The new year is now in full swing, and if you're like some of us in this office, you will probably have resolved to be a bit smarter with your money in 2016 and perhaps ... value on your business insurance. Cover yourself up! Check your insurance ... have the right levels of cover.  First let's make it clear ...

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Tips for making a Stress-Free Claim

Making an insurance claim can be stressful – but it doesn't need to be. In the aftermath of a disastrous event, we understand how important it is to get your business ... Product Disclosure Statement (aka PDS) cover to cover daunting, don't worry, you're ... you provider about extending your cover or including additional policies. Keep ...

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Personal Accident and Illness Insurance for Tradies

Does the thought of being off work for three months due to a major mishap with a nail gun horrify you? As far-fetched some accident stories may sound, the reality is ... self-employed you won't be covered by workers compensation. Even ... you afford not to be covered? Resource: https://www.safeworkaustralia.gov.au/system/files/documents/1709/em17-0212_swa_key_statistics_overview_0.pdf– ...

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How the cost of Professional Indemnity insurance is calculated

Ever wondered how the cost of a Professional Indemnity (PI) insurance policy is calculated and why one profession can often cost more than another? We look some of the ... of employees The level of cover selected Your Profession / Industry ... when calculating which level of cover your business may need: Legislative ...

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Comparethemarket.com.au and BizCover Announce White Label Partnership

Two of Australia's leading FinTech providers, BizCover and comparethemarket.com.au have joined forces, offering small business customers an opportunity to compare through ... around for their business cover.” “BizCover have cover options for over 6 ... service simplifies comparing and buying cover from leading insurers while reducing ...

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Help Protect your small business' reputation

When it comes to running a small business, your brand and its reputation are priceless. No doubt you've spent countless hours establishing your name by building strong ... good name. So along with covering legal and defence costs, claims ... The policy also extends to cover expenses including the costs of ...

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5 Legal Essentials for your Small Business

By Bianca Reynolds Bianca is a lawyer at LegalVision. Throughout her studies, she gained experience in a variety of areas of law including family, commercial, and personal ... well-drafted, clear employment agreement will cover things like leave entitlements, intellectual ... clients, your T&Cs will also cover payment terms, dispute resolution procedures ...

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Preparing your small business for a Tax Audit

The word on the street is that the ATO are going to be doing random audits of 100's of small businesses. Even if your books are in pristine condition, audits are generally ... about getting a tax audit cover either as part of your ... may incur, it will help cover the professional fees and costs ...

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Customer Spotlight: Cazeil Creative

Ask most people what they would save in a fire and the most common answer is always photos. Photography plays an important role in our lives, recording personal and historical ... when I was contracted to cover a 3-day International Conference in ... is almost mandatory especially to cover my equipment as my photography ...

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Professional Indemnity for Real Estate Agents

In the Real Estate Industry Professional Indemnity Insurance provides essential financial protection against potential losses arising out of acts, errors and omissions ... looking at your level of cover. While the chance of making ... a real estate agent can cover with a professional indemnity policy ...

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Why having an office inventory list is essential.

So we know that inventory lists are not the kind of thing that gets business owners excited, that is until something happens and the time comes to claim on your insurance ... have the right level of cover for your contents - because ...

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Introducing our newest cover option: Personal Perishables Cover

... Perishable Insurance. Personal Perishables Insurance covers working individuals for the loss ... ... Perishable Insurance. Personal Perishables Insurance covers working individuals for the loss ... the past, welcomes the new cover.  “I've faced devastating consequences from ...

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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 ... Business Insurance policy can help cover: Monetary sums (penalties) payable to ... $5000 administrative fine, which was covered by their Statutory Liability policy. ...

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Reviews related to public liability cover

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

    Natalie R
    Commercial Cleaning Services

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

    Les K
    Door Or Window Wholesaling

  • 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

  • good service and the comparison of what is covered / not covered, excess etc is great and time saving.

    Faith W
    Management Consulting Service

  • Was easy enough to change levels of cover, compare conditions and then contract the insurance cover I wanted.

    Soner B
    Information Technology Services (IT)

  • I like how easy it is to get covered, piece of mind knowing that my clients are looked after 24/7.

    Warwick W
    Personal Fitness Trainer/Service

  • Simple and friendly process to get my business covered. Thanks BizCover!

    Campbell I
    Preserved Fruit Or Vegetable Wholesaling

  • So quick and easy to navigate and covered me for everything I needed and at reasonable cost

    Peter E
    Personal Fitness Trainer/Service

  • The easiest way to get covered!!

    Laura A
    Party Hire Services

  • unbelievable savings truly amazing the difference in the insurance costs thank you biz cover i will be recommending you to all my fellow business owners regards Palew Constructions

    Richard A
    Trades & Services

  • Great service, 1/4 cost of what I used to pay, similar cover and no hassles with endless forms

    Anthony M
    Engineering

  • cover should take effect as soon as sign up for policy !!

    Beau M
    Metal Polishing Or Finishing

  • easy to renew my cover. Thanks

    Rachel H
    Naturopath

  • Easy to search and choose the cover I needed. Payment was also very simple and quick.

    Felicity S
    Management Consulting Service

  • Easy to use and quick to get the cover I was after.

    Douglas C
    Computer Programming Service

  • Easy to use website, Cover is simple yet thorough. Will be using again in the future

    Nicole A
    Personal Fitness Trainer/Service

  • good so far as we just bought it get cover for an event

    Moya O
    Psychic Service

  • Great service, 1/4 cost of what I used to pay, similar cover and no hassles with endless forms

    Anthony M
    Electrical Engineering Consulting Service

  • Great service, easy to work with. Kudos to Rebecca for helping me get the RIGHT cover. :)

    Andrew P
    Information Technology Services (IT)

  • Need additional cover such as worksafe

    Peter C
    Building Engineering Consulting Service (Except As Prime Contractor)

  • 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

  • Quock easy cover no hassle!

    Ryan P
    Electrician/Electrical Services

  • Really easy quick cover that actually had an option for Interior Designers!!

    Allison W
    Interior Design Service

  • So easy to set up insurance through biz cover when you have no time for phone calls

    Casey W
    Hairdressing Service

  • So much easier than the last time I looked into cover with one of your competitors took forever to fill out forms and even longer to get a quote. This was simple and super quick.

    Amos S
    Architectural Drafting Service

  • Super easy and convenient, all my cover and insurance dealt with within minutes

    Ellie K
    Cosmetics Retailing - Direct Selling

  • Thank you for making it so easy to get cover :)

    Tracy Y
    Psychic Service

  • The easiest cover I've ever done online.

    Stephanie G
    Hairdressing Service

  • This was an excellent service experience, both the person on the phone (Jun) and the website that allowed me to explore, refine and ensure that I got the right cover for my circumstances.

    John M
    Management Consulting Service

  • unbelievable savings truly amazing the difference in the insurance costs thank you biz cover i will be recommending you to all my fellow business owners

    Richard A
    Builder - House Construction Alteration Or Renovation

  • Very happy with the process and follow up from BizCover. Pleased to have my business with this cover in place.

    Graeme C
    Management Consulting 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?