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Legal Requirement for Public Liability Insurance

Public liability insurance covers your business for losses ... business' activities. Failure in obtaining public liability insurance policy can expose ... or use a good or service you sell. From occupational health ... advisable to have public liability insurance. Legal Requirement for Public Liability Insurance Although public liability insurance is not a ...

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Public Liability Insurance

... public Legal and defence costs Public Liability Insurance protects you and your business ... ) while you are providing a service, either at your workplace or ...

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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 you and ... Michael Gottlieb who runs online insurance service BizCover. He has designed his ...

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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 ... ... , and your liabilities. Public Liability Insurance Every business should consider Public Liability Insurance - even home-based ... parties if your products or services cause bodily injury or property ...

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Dishing up the facts on food business insurance

... you have the right business insurance. When it comes to insuring ... ... even be compulsory, for example, Public Liability insurance is often required when you ... business insurance plan. What types of insurance should food businesses consider? Public Liability Insurance Dishing ...

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Product Liability Insurance

... Product Liability Insurance? Product Liability insurance usually forms part of a Public Liability policy. ... processed, treated, altered, modified, repaired, serviced, bottled, labelled, handled, sold, supplied ...

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How the cost of Professional Indemnity insurance is calculated

... of a Professional Indemnity (PI) insurance policy is calculated and why ... the cost of Professional Indemnity insurance. Insurance policy pricing ... the cost of Professional Indemnity insurance. Insurance policy pricing is generally calculated ... you operate within. Industries and services which have a higher risk ...

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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 ... ... claims and circumstances Property damage Public Liability insurance When you work closely with ... accident happening, and that's why Public Liability insurance is equally important for yoga ...

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5 Tips for an Insurance Health Check

If your insurance is due for renewal or ... a health check of your insurance to ensure that if the ... ... upping the level of your Public Liability insurance. Similarly, take into account any ... on extra responsibilities in the service or advice you provide, you ...

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5 Surprising Things Business Insurance Can Cover

When looking for Business Insurance, most small business owners typically ... ... to ensure you have your Public Liability cover in case a customer ... an unforseen event. Business Interruption insurance is designed to compensate you ...

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

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Things you didn't know about small business insurance

Getting the insurance sorted for your small business ... , compare quotes and buy the insurance that suits your business. But ... not know about small ... your current policy. Your personal insurance doesn't cover your business A ... put this in perspective, a public liability policy for an SME working ...

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Small Business Insurance Price Index Q3

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

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Small Business Insurance Index Q2: 5 point increase, largest in 10 quarters

The Quarterly BizCover Small Business Insurance Index has shown that Australian ... enjoyed the end of declining insurance premiums with an increase of The Quarterly BizCover Small Business Insurance Index has shown that Australian ... the non professional sector with Public Liability and Business Packs (predominately covering ...

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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 ... 'nice to have' insurance. Examples of “must have” insurance: Public Liability– protects against legal ... providing a service to them. Every business should have PL Professional Indemnity ...

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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 ... meeting their expectations of the service you've provided. The potential costs ... claims and circumstances Property damage Public Liability Insurance Working closely with your clients ...

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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 ... wide range of potential risks. Insurance for market stall holders is ... types of cover - Public Liability and Product Liability. Public Liability Public Liability covers you for ...

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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 clients ... chance of a claim occurring. Public Liability insurance is an essential form of ...

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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 protection ... providing your training services. Find Out More About Public Liability Insurance As a personal ...

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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 ... stop working? Within a Business Insurance pack the Easter Bunny would ...

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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 ... need for adequate insurance for your business . Is insurance mandatory for your ... If you rent your premises, public liability may be a requirement from ...

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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 the ... costly without the right protection. Public Liability insurance can provide you with peace ...

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6 Areas You May Not Have Thought Business Insurance Covers

Your business is your livelihood. So it's vital to protect your business assets and revenue against potential risks that may impact your business, such as fire, storms ... BizCover offers a range of insurance solutions to protect your business. ... essential covers such as Public Liability and Professional Indemnity insurance to ensure you ...

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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 there ... standard. For example most Business Insurance policies do not include cover ...

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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 ... on it. “Thankfully my Business Insurance policy included building and contents ... 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 end ... to make sure you have Public Liability, and if you do have ... you're protected within your Business Insurance pack, as with increased trading ...

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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 ... What is Building Cover? Building Insurance provides protection for material damage ... owned property Fixtures and fittings Services to the building Structural improvements ...

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Small Business Continues to Win on Insurance Prices!

... ; however the BizCover Small Business Insurance Price Index for the first ... ... ; however the BizCover Small Business Insurance Price Index for the first ... small businesses! Prices across all insurance classes were stable across the ...

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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 ... best value on your business insurance. Cover yourself up! Check your ... making a claim having enough insurance could mean the difference between ...

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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 ... contractor, Personal Accident and Illness insurance is an important type of ... return to work program Chauffeur Services Return to work assistance Reimbursement ...

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Cyber Liability Insurance: the safety net small businesses need

It may have taken some time for the reality to hit, but the wider public is now starting to realise that hackers aren't just fictional brooding movie villains - they ... generally included in Cyber Liability insurance are: · Business interruption costs · Data ... from power outages from utility services SAVE THIS TO YOUR MEMORY ...

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BizCover partners with Energy Retailer CovaU

Online small business insurance provider BizCover has announced ... label version of its online insurance platform for CovaU to ... offer insurance ... traditional way of purchasing business insurance, and often delivering substantial savings ... centre, offering assistance with sales, service and claims. “When looking for ...

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Who is Covered Under an IT Liability Policy?

Information Technology Insurance Professionals in the information technology ... ... policies combine Professional Indemnity (PI), Public Liability and Products Liability to cover ... services What do IT Liability policies provide cover for? IT Liability insurance ...

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

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

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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 ... down the price ... , Combined Professional Indemnity & Public Liability and Public Liability /Business Packs. Michael Gottlieb, BizCover ... with capital chasing returns in insurance.” The Professional Indemnity rates reduced ...

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Gold Coast Mobile Juice Business Gets a Boost

... , Australia's biggest online small business insurance provider . […] ... years have embraced our online insurance services over more traditional methods of ... Professional Indemnity, Public Liability, Business Insurance, Management Liability and now Cyber Insurance. BizCover provides ...

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

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

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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 ... themselves, but the primary insurances - public liability and professional indemnity - are ... type of professional advice or services rendered. Assess what business property ...

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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 to ... Installing video surveillance and monitoring services to deter would-be thieves and ...

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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 ... ways business insurance can help keep your business alive: Public Liability is an ... are not found liable, your Public Liability policy will cover the associated ...

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Triumph after Tragedy for QLD Fitness Trainer Latest Winner of Bizcover.com.au $60,000 'Small Business Buddy Program'

Latest Winner of Bizcover.com.au $60,000 'Small Business Buddy Program' Michelton resident Charlotte Hansen last week marked a major milestone when she went from cancer ... years have embraced our online insurance services over more traditional methods of ... Professional Indemnity, Public Liability, Business Insurance, Management Liability and now Cyber Insurance. BizCover provides ...

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Doggone Great! Local QLD Business Selected in the $60,000 'Small Business Buddy Program'

Small Business Buddy Winner! Local QLD Business Selected in the $60,000 'Small Business Buddy Program' Woofwatchers, a local dog grooming and pet caring business is ... seven years embraced our online insurance services over more traditional methods of ... Professional Indemnity, Public Liability, Business Insurance, Management Liability and now Cyber Insurance. BizCover provides ...

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Keep cool and carry on - A summer survival guide for restaurants and cafés

Iced teas, tropical fruits, a cheeky ice cream - those signature flavours of summer are something you would be all too familiar with as a restaurant or caf owner. Summer ... or café business is with Public Liability insurance. It is designed to protect ... an insurable event, Business Interruption insurance can help by providing cover ...

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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 ... different types of insurance to look out for. Public Liability Insurance This is the ... it covers against negligence for services or advice that is provided. ...

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5 Ways To Prepare Your Business Premises For The Cooler Seasons

As we say goodbye to those sunny summer days and hello to fresh, frosty mornings, the change in seasons is a prime time to make sure your business premises is prepared ... walking in these areas. Having Public Liability insurance is one of the vital ... our friendly BizCover team of insurance experts waiting to talk all ...

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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 ... having the right business insurance. Protect your livelihood Public Liability insurance is undoubtedly one ... with Personal Accident & Illness insurance. It pays up to 85 ...

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Don't be a pork chop - insure your butcher shop

There's a lot at stake.. Think of all the hard work you have put into creating your butcher shop business starting with the early days as an apprentice to building up ... clause can vary from one insurance policy to another. Unforeseeable Interruptions ... business. Thankfully, under a Business Insurance pack there is an option ...

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Professional Indemnity Claims: when should I notify my insurer?

Your Professional Indemnity (PI) insurance is no doubt one of ... against your business. Like all insurance policies, there are several important ... ... against your business. Like all insurance policies, there are several important ... of failing to provide a service as promised or advertised If ...

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Comparing Portable Equipment & Electronic Equipment Cover

Business insurance isn't always straightforward, and sometimes ... the nitty-gritty to understand what insurance is being offered and which ... especially ... especially the case with Business Insurance options like Portable Equipment and ... your insurer. Portable Equipment This insurance provides repair or replacement for ...

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Comparethemarket.com.au and BizCover Announce White Label Partnership

... online provider of small business insurance, having helped over 90,000 ... businesses compare and buy their insurance online. Their White Label solution ... insurance online. Their White Label solution enables organisations to offer this service ... compare and purchase their business insurance through the platform, but they ...

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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 ... ... healthy competition in the business insurance market. The BizCover Small Business ... , the cost of Professional indemnity insurance for some Allied Health professionals ...

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BizCover wins dual accolades over two big nights

... experience in the Small Business Insurance space. On Tuesday night, BizCover ... award recognised the "Small Business Insurance […] ... award recognised the “Small Business Insurance Made Even Easier” campaign for ... continuing to drive an improved service and more relevant offerings, including ...

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A Close Shave with Underinsurance

... to make sure that your Insurance grows with your business and ... ... closed. Luckily, the Business Interruption insurance that Samantha had added to ... your cover by contacting our Service department on 1300 549 568. ...

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5 Reasons to love Personal Accident Cover

Personal Accident and Illness Insurance (IPA Cover)offers financial protection ... ... Health Checks Unlike some other insurance policies, a personal accident policy ... lower premiums than similar life insurance or Total & Permanent Disability ...

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Tips for making a Stress-Free Claim

Making an insurance claim can be stressful - but ... ... out more about Business Interruption insurance here. When Disaster Strikes Call ... Plumber Utility providers Accountant IT services Keep a record: taking photos ...

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When it Rains it Pours: Understanding Flood Cover.

When it comes to Business Insurance, understanding what's included and excluded ... When it comes to Business Insurance, understanding what's included and excluded ... , contents and/or stock a Business Insurance policy usually comes with some ...

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Professional Indemnity for Real Estate Agents

... Real Estate Industry Professional Indemnity Insurance provides essential financial protection against ... errors and omissions from professional services ... Real Estate Industry Professional Indemnity Insurance provides essential financial protection against ... , errors and omissions from professional services provided. The NSW Government requires ...

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Pet Stays, becomes the 32nd BizGiver winner

... the 32nd Winner of BizCover Insurance's BizGiver $2000 Small Business Grant ... ... , who have embraced our online insurance services over more traditional methods of ... buying insurance, said Michael Gottlieb, Founder and ...

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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 ... : Professional Indemnity Insurance If your business provides a professional service or advice ... do happen. Fortunately, Professional Indemnity insurance is designed to protect your ...

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A $2,000 Wish for Your Small Business

Ask any small business owner about the most difficult aspect of running a business and you'll most likely get an array of answers. However, one thing in common that most ... in 2008, BizCover, an online insurance service for small businesses, knows all ... a policy holder with BizCover's insurance service. “So much of BizCover's success ...

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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 perks ... when you get your Business Insurance you also cover for Business ... Glass Cover, under a Business Insurance Pack will cover your for ...

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How to Kickstart Your Best Year in Business

In the blink of an eye, another new year is here, and it is a great time to get your business ready for a successful year. Taking the time to review some of your existing ... from unexpected risks. Reviewing your insurance is an opportunity to make ... to start? Download our Business Insurance Checklist for Small Businesses here ...

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Customer Spotlight: Being Brands

For this week's Customer Spotlight we look at creative brand agency, Being Brands. Being Brands is a creative agency located just outside of the Sydney CBD in Hunter ... high-level clients, that makes their insurance a must. “As a business ... for new clients, so having insurance is an essential requirement. “ “BizCover ...

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BizGiver finds it's latest winner in Wild Forage

The latest winner of the $2000 BizGiver Grant is crowned; Wild Forage, a small business supplying seasonal wild edible plants, herbs and seaweed to high end restaurants ... , who have embraced our online insurance services over more traditional methods of ... buying insurance, said Michael Gottlieb, Founder and ...

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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 ... Find out more about Cyber Insurance here. THE DEREGISTERED DISMAY Threats ... provide marketing and digital design services. Whilst updating their own website ...

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Customer Spotlight: Elite Words

On today, International Women's Entrepreneurship Day, we celebrate with one entrepreneurial BizCover customer, Natalie Dawson of Elite Words. After over ten successful ... mind that Dawson justifies her insurance with BizCover. “I insure my ... worry about the cost of insurance.” “In the short term, organisations ...

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Customer Spotlight: Cheaper Buy The Dozen

After working 22 years in the car industry, Mansel Milne made the jump to the wine industry and started the online wine delivery company Cheaper Buy The Dozen. In its ... to their focus on customer service, and insistence on high-quality products. ... of a comprehensive and robust insurance plan for his business. “I ...

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10 Tools Every Small Business Should Gift Themselves This Christmas

When you are running a small business you have to be many things at once, an accountant, a marketer, a technician as well as an administrator. Luckily, in today's digital ... number of different and great services that do this for you. ... Australia's No. 1 online business insurance, where you can compare multiple ...

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5 Money Saving tips for Small Business

Most small business owners are conscious of their cash flow. Whether you are just starting out or have been in business a while, you'll want to make sure every dollar ... means having the right financial services for your business. Many business ... , credit card, bank account or insurance for their business. It may ...

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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 ... as part of your business insurance or as a standalone policy. ...

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Mum's the Word: Wise Words of Advice From Business Savvy Mums

This Mother's Day we share some of the pearls of wisdom small business owners have been given by their mums for life and business. Linda Reed-Enever, Co-Founder of Business ... Waster.com.au Providing waste and recycling services to small businesses such as ... you have the right business insurances to protect it. We can ...

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Year of the Dog - Customer Spotlight: Laughing Dog Day Care

"At our place, it is always Year of the Dog!"- Customer Spotlight - Laughing Dog Day Care In celebration of the Year of the Dog, we look at another of our wonderful customers ... for themselves for their high-quality service. It hasn't even been a ... , “we continue to provide great service and get great recommendations, growing ...

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7 Steps for Your Business to Survive and Thrive

When you first launched your business, you probably thought you'd bought your ticket to a freer and more relaxed lifestyle, right? By now you may have learned that the ... 7: Boost your product or service offering Look for innovative opportunities ... offering new products and services, upgraded services or discounts for buying in ...

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Scooter & Jinx wins BizGiver Grant

SCOOTER AND JINX, A MELBOURNE COFFEE SHOP, SCOOTS AHEAD OF THE COMPETITION AND WINS THE BIZGIVER $2000 SMALL BUSINESS GRANT. Tucked away in Little Collins Street in Melbourne ... gourmet toasties and fantastic customer service. “My wife and I started ... for a physical item or service. For Scooter & Jinx this ...

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Sto Lat Restaurant & Café wins the BizGiver grant

Conveniently located in Ashfield, the heart of the Inner West, is the latest recipient of the BizGiver grant, the Sto Lat Restaurant and Caf! The restaurant specialises ... consistency in quality food and service when it comes to the ...

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BizCover Customers' Top Tips To Grow A Business

What is it that empowers people to take the plunge and start a business? Also, and perhaps most importantly, what is the secret to sustaining that motivation and passion ... in their product and or service is their prime motivational factor ... in their product and or service is what keeps them going ...

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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 ... and disclaimers. If you provide services to clients, your T&Cs will ... and clear descriptions of the services you are providing. Terms and ...

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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?