How much does Public Liability Insurance Cost?

... speaking, insurers will look at the number of employees when determining the cost of Public Liability insurance for trade and service-based businesses, whereas revenue plays a more important role when it comes to pricing ...

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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 protect s your business if a customer, supplier or member of the public is injured or ...

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Public Liability Insurance in Perth

... in the trades and service industries, to businesses that are predominantly office-based, such as consultancy occupations. Given the various industries and occupations Public Liability insurance can cover, the cost ...

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Public Liability Insurance in Rockhampton

... in the trades and service industries, to businesses that are predominantly office-based, such as consultancy occupations. Given the various industries and occupations Public Liability insurance can cover, the cost ...

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Public Liability Insurance in Mandurah

... in the trades and service industries, to businesses that are predominantly office-based, such as consultancy occupations. Given the various industries and occupations Public Liability insurance can cover, the cost ...

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Public Liability Insurance in Hobart

... in the trades and service industries, to businesses that are predominantly office-based, such as consultancy occupations. Given the various industries and occupations Public Liability insurance can cover, the cost ...

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Public Liability Insurance in Darwin

... in the trades and service industries, to businesses that are predominantly office-based, such as consultancy occupations. Given the various industries and occupations Public Liability insurance can cover, the cost ...

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Public Liability Insurance in Brisbane

... in the trades and service industries, to businesses that are predominantly office-based, such as consultancy occupations. Given the various industries and occupations Public Liability insurance can cover, the cost ...

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Public Liability Insurance in Adelaide

... in the trades and service industries, to businesses that are predominantly office-based, such as consultancy occupations. Given the various industries and occupations Public Liability insurance can cover, the cost ...

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Public Liability Insurance in Port Macquarie

... in the trades and service industries, to businesses that are predominantly office-based, such as consultancy occupations. Given the various industries and occupations Public Liability insurance can cover, the cost ...

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Public Liability

... not? Get the right cover Public Liability Insurance cost Here's the lowdown on Public Liability insurance* As a small business owner ... rated our service at excellent. Download P ublic Liability Fact Sheet ...

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What is Product Liability Insurance?

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

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What Tradies Need to Know About Public Liability Insurance

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5 Tips for getting the best Public Liability insurance for your business

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Legal Requirement for Public Liability Insurance

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Public Liability NSW

... ? The average amount a small business operating in the Trades & Service industry in New South Wales can expect to pay for Public Liability insurance is around $91 per month. There is a wide variety of occupations ...

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Public Liability QLD

... ? The typical amount a small business operating in the Trades & Service industry in Queensland can expect to pay for Public Liability insurance is around  $84.03  per month. There are a variety of occupations ...

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Public Liability WA

... explained further… Independent feedback from our customers rated our service at excellent. How much do Trades & Service pay for Public Liability Insurance in WA? On average, a small business operating in ...

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Do I need Public Liability insurance?

... client contract, or as part of a lease agreement for renting a commercial property. Do I need Public Liability Insurance if I have a home-based business? Running your business from home can bring a whole host of ...

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5 Things to Consider When Buying Public Liability Insurance

Public Liability insurance. It's one of those ... for your business? Not all Public Liability policies are the same and ... ... T erritory ha s its own set of laws when it comes to legal requirements for holding Public Liability insurance. For some trade professions, it may be mandatory to have a policy in place before you can ...

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Public Liability Insurance for Cabinet Makers

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Public Liability Insurance Scenario

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 you and your business ... place,” says Michael Gottlieb who runs online insurance service BizCover. He has designed his site so ...

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Public Liability PPC

... But you can protect your business against claims that are made for personal injury or property damage. Public Liability Insurance does just that. It covers the expense of legal and defence costs; court attendance costs ...

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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 ... pay off previous debts that they weren't able to service. Avoid debt cycles and don't over-borrow just ... take care of themselves, but the primary insurances - public liability and professional indemnity - are crucial. ...

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Insurance Premiums for Retailers Continue to Climb

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

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PI Index: Premiums Decline 10 Straight Quarters

Business Insurance Premiums Decline 10 Straight Quarters, ... healthy competition in the business insurance market. The BizCover Small Business ... ... competition in the business insurance market. The BizCover Small Business Insurance Index has shown premiums ... groups, Combined Professional Indemnity/Public Liability and Public Liability/Business Packs are not seeing ...

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

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Business Insurance Guide for the Self-Employed - Part 1

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Insurance for Disability Workers

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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 ... ... services performed for a client. Who is covered under an IT Liability Policy? An IT Liability insurance ... the professional indemnity or the products/public liability policy. Professional Indemnity - Claims ...

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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 ... ... a small business out of business! Public Liability Insurance explained. Professional Indemnity Insurance If your business or profession involves providing a service or advice, then Professional Indemnity (PI ...

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Insurance for Tradesmen

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Insurance for Massage & Alternative Therapies

... in your professional services or advice.  Your Professional Indemnity insurance will meet the ... you forgot to clean up).  Having the right Public Liability insurance gives you peace of mind and financial protection for ...

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Insurance for Landscapers

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Insurance for Carpenters

... charged by you to complete the job. Insurance for Carpenters Public Liability One of the basic types of insurance carpenters need to consider is Public Liability insurance*. It provides cover for legal fees and ...

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Insurance for Cafes

... dining at your café to suppliers delivering stock. The reality is accidents can and do happen. Public Liability insurance is designed to provide protection for you and your business in the event a customer, supplier ...

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Insurance for Painters

... work of subcontractors. Therefore sub-contractors should consider maintaining their own public liability insurance. Insurance for Painters Public Liability Insurance* In the world of painting, it's a wise move ...

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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 ... matter how careful you are whilst delivering your professional services, things can take a turn in a bat of ... for a claim to be made. Fear not, Public Liability insurance can help clean up the mess by covering your legal ...

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Insurance for Hair & Beauty Services

... to or managing claims which are covered by your policy. Public Liability Insurance* Whether you work from your own salon or you provide a mobile service, you're always in close contact with your clients, making ...

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Insurance for Consultants

... A ccurate as at September 2019 Public Liability Insurance* Public Liability insurance is a no brainer for all types of consultancy services. Public Liability insurance is designed to provide protection ...

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Insurance for Handymen

... list of potential mishaps can go on! Public Liability insurance is designed to cover legal fees and ... water being discharged. The handyman had to break into the service room to gain access in order to shut off the ...

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Insurance for Electricians

... the pipe, and the occupants of the house were unable to stay there. Fortunately, the electrician had Public Liability insurance and was able to make a claim to cover the cost of the plumber, replacement of the flooring ...

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Insurance for Retailers

... on the insurance policy. Insurance for Retailers Public Liability Insurance* Public Liability insurance is an important type of insurance cover for retail shop owners. Public Liability insurance is designed ...

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Insurance for Car Wash and Auto Detailers

... piece of your equipment to trigger a claim . T hat’s where Public Liability insurance comes into play. Public Liability insurance is designed to protect your business in the event a customer, supplier or ...

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Insurance for Plumber

... on the Victorian Building Authority website . Insurance for Plumbers Public Liability One of the first types of business insurance to consider is Public Liability insurance*. It is designed to provide protection ...

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Insurance for Furniture Manufacturers

... wrong. This is where business insurance comes into play and should ... . The process of arranging your insurance can feel overwhelming at times . ... you want is a liability claim. Public and Product Liability (often sold together) are two types of business insurance to think about when protecting your business. Public Liability  insurance is  intended to ...

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Keep calm and stretch on with Yoga Teacher insurance

... of arranging your yoga teacher insurance go. As a yogi or ... business. Let us centre your insurance chakra by exploring some of ... ... , for example, falling over a piece of yoga equipment that's been left on your studio floor, Public Liability insurance can cover the related costs to defend such claims. Any compensation awarded to the claimant may also ...

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Insurance for Architects

... alleged negligence in the advice or service provided. For Professional Indemnity claims ... doors have closed. Public Liability Insurance* Do you need Public Liability insurance? The short answer ...

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Insurance for Gift Shops

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Insurance for Allied Health Professionals

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Insurance for Psychologists

... managing claims which are covered by the policy. Public Liability Insurance* Considering you work closely with your clients; Public Liability insurance is an easy choice. for psychologists. It provides ...

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Insurance for Social Workers

... service or advice. Professional Indemnity insurance will also assist with the legal costs associated with responding to or managing claims which are covered by the policy. Public Liability Public Liability insurance ...

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Insurance for Pet Professionals

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Insurance for Restaurants

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Insurance for Butcher Shops

... , without the bull. Did you know? If you are a tenant it is usually a requirement to hold Public Liability insurance and Glass cover before signing a lease. Your landlord may also need to be noted as an interested ...

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Insurance for Yoga Teachers

... a studio? Does your yoga services contract require a minimum amount of insurance cover? Does the local council require you to obtain a permit including public liability insurance before holding classes on ...

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Insurance for Civil Engineers- what you need to know

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Insurance for Bakers

... Accidents can easily occur in a bakery which makes Public Liability an important type of insurance to consider. Public Liability insurance is designed to provide protection for you and your bakery business in ...

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Insurance for IT Professionals

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Insurance for Furniture Manufacturers

... to manufacturers/suppliers who fail to comply with mandatory safety standards. Insurance for Furniture Manufacturers Public & Products Liability* There are a variety of risks that you are potentially exposed ...

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Insurance for Personal Trainers

... acts or omissions in the provision of your professional service or advice to your clients. Some common examples ... by the policy. Public Liability Insurance* Public Liability insurance is important to keep ...

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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 ... . Insurance for market stall holders is designed to protect you and your business against the financial risk in the event that something goes wrong, It usually consists of two types of cover - Public Liability and ...

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How much does Business Insurance cost?

... services industry. One of the most common questions asked by business owners is: “How much does Business Insurance ... below graph, it is clear to see that Public Liability insurance is the most popular taken out by retail ...

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Insurance for Mobile Food Vans

... van means you are always on the go, exposing your business to a number of Public Liability risks. Public Liability insurance is important for mobile food van businesses, providing protection for you and your business ...

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Home Based Business Insurance

... services Beautician Consultants Dog walking Dog grooming Graphic designer Hair dresser Online shops Photographer Writers Web developer Insurance for Home Based Businesses Public Liability ...

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Insurance for Dog Walkers

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Insurance for Plasterers

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Insurance for martial art teachers

... a lot of time with your clients - whether in a dojo or somewhere else. Either way, Public Liability insurance is important for martial arts trainers by providing protection for you and your business in the event a ...

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Dishing up the facts on food business insurance

... you have the right business insurance. When it comes to insuring ... ... at your business premises could end up costing you more than a few boxes of groceries! Public Liability insurance is designed to protect your business against such claims by covering your legal and defence costs, and ...

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Insurance for Finance & Mortgage Brokers

... negligencefrom the delivery of your professional service. Professional Indemnity insurance will also assist with the ... meet the requirements of RG210. Public Liability* Public Liability insurance is a no-brainer for ...

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Insurance for Recruitment Consultants

... claims which are covered by your policy. Public Liability Insurance* Public Liability insurance is an easy choice for recruitment consultancy services. It is designed to provide protection for you ...

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Insurance for Pizza Shops

... is an environment where accidents can easily happen, making Public Liability an important form of insurance to consider. Public Liability insurance is designed to provide protection for you and your ...

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Insurance for Electrical Engineers

... or errors in your professional services or advice.  Your Professional Indemnity insurance will pay compensation to a ... contractors and the general public. Public Liability insurance is typically an important ...

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Insurance for Cleaners

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Insurance for Cabinet Makers

... on your business. As a cabinet maker, one of the first insurances you may need to consider is Public Liability insurance. Public Liability insurance is designed to provide protection for you and your cabinet making ...

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Insurance for Land Surveyors

... service or advice. Professional Indemnity insurance will also assist with the legal costs associated with responding to or managing claims which are covered by the policy. Public Liability* Public Liability ...

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Insurance for Lawn Mowing Services

... a physical location for their business this can affect the type of insurance that's right for your business. Insurance for Lawn Mowing Services Public Liability* You spend the majority of your day out and about ...

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Insurance for Professionals

... - all are held to high expectations to deliver a specialist service or advice. But what would you do if your advice ... and expert fees). Public Liability Insurance* Public Liability insurance can be an ...

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Insurance for makeup artists

... hair salon or provide a mobile makeup service, makeup artist insurance is the foundation to ensuring your small ... , which is why Public Liability insurance is an important form of insurance. It provides protection ...

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What are the Insurance Options for Land Surveyors?

... yourself and your company with insurance is a smart investment. Land ... ... your professional service or advice. The level of cover you may need is typically based on the size, scope, and type of land surveying projects your business uses. Public Liability Public Liability insurance is ...

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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 ... ... people get their last-minute gifts and service providers, like hairdressers and beauty therapists, booked ... you have an active Public Liability insurance in place. Public Liability insurance is designed to protect ...

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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 ... while and looking to buy insurance for the first time; there ... ... of your business: do you provide a professional service or give specialist advice? Where you do ... key areas of cover available to businesses. Public Liability insurance covers against the legal costs for claims of ...

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Understanding Insurance for Interior Designers

... where having the right business insurance in place is vital. Let ... and outs of how business insurance can protect your interior design ... ... service or advice. Professional Indemnity insurance will also assist with the legal costs associated with managing claims which are covered by the policy.  Public Liability insurance* Whether ...

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Understanding Insurance for Physiotherapists

... on your expert advice and services as a physiotherapist. You help ... ... provision of your professional service or advice. Professional Indemnity insurance will also assist with ... be a requirement for you to have your own Public Liability insurance policy. Always be sure to check the level of ...

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Small Business Index July 2015

SMEs benefiting from declining insurance rates but is the tide ... capacity and competition in the insurance market over the last few ... the price ... and those with capital chasing returns in insurance.” The Professional Indemnity rates reduced the ... lower than the base value only 3 years ago. Public Liability /Business Packs have not enjoyed as much of a ...

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Insurance for Restaurants & Cafes

... BizCover, you'll get multiple competitive quotes from leading insurers within minutes. Did you Know? Public Liability Insurance: The average level of cover our customers take for their restaurant and cafe business is ...

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Insurance for Real Estate Agents

... your professional service or advice. Personal Indemnity Insurance will also assist with the legal costs associated with responding to or managing claims which are covered by the policy. Public Liability Insurance ...

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Insurance for Marketing Consultants

... provision of your professional service or advice. Having Personal Indemnity insurance will let you breathe ... vitamin D by heading out to meet them, Public Liability insurance is important to your business. It is designed ...

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Insurance for Project Managers

... consulting service or advice. PI Insurance will also assist with the legal costs associated with responding to or managing claims which are covered by your policy. Public Liability Insurance* Whether ...

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Here’s the lowdown on Public Liability insurance*

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

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

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

 

Public Liability explained further…

Product Liability explained further…



Independent feedback from our customers rated our service at excellent.

What is typically included?**

Compensation for:

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

 

What is typically not covered?* 

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

 

Download Public Liability Fact Sheet

Your Cover Options 

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

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

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

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