Insurance for Convenience Stores

... required as part of a commercial lease agreement. Insurance for Convenience Stores Public Liability Insurance* Public Liability insurance is an important form of insurance to consider before opening the doors to your ...

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5 insurances every convenience store owner needs to know about

... to midnight snacks. As a convenience store, you've got all bases ... ... convenience store is exposed to and how insurance can help safeguard it from potential disasters. Dealing with the public ... very costly without the right protection. Public Liability insurance can provide you with peace of ...

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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

Public liability insurance covers your business for losses ... business' activities. Failure in obtaining public liability insurance policy can expose ... your business and as such is advisable to have public liability insurance. Legal Requirement for Public Liability Insurance Although public liability insurance is not a statutory requirement, most small to medium ...

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Public Liability Insurance in Perth

... small businesses in Perth pay $33.80**per month for a Public Liability insurance policy. Public Liability insurance is one of the most popular types of insurance for businesses. In fact, it is likely to be very important ...

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Public Liability Insurance in Rockhampton

... , efficient & friendly. Very happy, thank you.” Mark A., Mining Engineer What does Public Liability insurance cover? Public Liability insurance covers claims for personal injury suffered by a third party (such as a ...

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Public Liability Insurance in Mandurah

... who was not pushy, but helpful and happy.” Mishelle O. Retail What does Public Liability insurance cover? Public Liability insurance covers claims for personal injury suffered by a third party (such as a customer ...

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Public Liability Insurance in Hobart

... , small businesses in Hobart around $29.30**per month for a Public Liability insurance policy. Public Liability insurance is one of the most popular types of insurance for businesses. In fact, it is likely to be very ...

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Public Liability Insurance in Darwin

... but also uncomplicated. With appreciation and gratitude.” Kelly K. Homeopath What does Public Liability insurance cover? Public Liability insurance covers claims for personal injury suffered by a third party (such as a ...

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What Tradies Need to Know About Public Liability Insurance

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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 ... ... Each State and Territory has 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 obtain ...

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Public Liability Insurance for Cabinet Makers

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How much does Public Liability Insurance Cost?

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Public Liability Insurance in Brisbane

... hours and valuable time. Job well done.” Michael R. Engineering Consultant What does Public Liability insurance cover? Public Liability insurance covers claims for personal injury suffered by a third party (such as a ...

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Public Liability Insurance in Adelaide

... small businesses in Adelaide pay around $37.50**per month for a Public Liability insurance policy. Public Liability insurance is one of the most popular types of insurance for businesses. In fact, it is likely to be very ...

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Public Liability Insurance in Port Macquarie

... made the whole transaction quick and smooth. ” Mark T., Moulding manufacturer What does Public Liability insurance cover? Public Liability insurance covers claims for personal injury suffered by a third party (such as a ...

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What is Public Liability Insurance?

Do I need public liability insurance?Claim Example What is Public Liability Insurance?* Public Liability insurance protects your business if a customer, supplier or member of the public is injured or sustains property ...

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How much Public Liability insurance do I need?

... to you. Many business contracts will include a minimum amount of Public Liability insurance to be in place -stipulating the amount of Public Liability insurance you are required to have to comply with the terms of the ...

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Do I need Public Liability insurance?

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What does Public Liability insurance cover?

... means you could well end up paying for the claim straight from your back pocket. Bear in mind that Public Liability insurance is designed for all types of businesses, not just those who work in an office or have a ...

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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 ... story might have been avoided altogether in just a few minutes online. What Janine needed was public liability insurance or insurance that protects you and your business from being found liable to a third party for loss ...

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What is Product Liability Insurance?

... parties 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 policy ...

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Don't let your business be an online target - what you need to know about Cyber Liability Insurance

While the terms 'cybercrime' and 'data breach' may not have existed 25 years ago, they are now commonplace threats facing small business. In fact, in 2017 approximately ... or in fact any digital platform to share or store information including simple emails, you are a potential ... software to prevent attacks and data breaches, Cyber Liability Insurance will help you deal with the costs and ...

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Public Liability PPC

... 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; and ...

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Public Liability

What’s included & what’s not?Get the right coverPublic Liability Insurance cost Here's the lowdown on Public Liability insurance* As a small business owner you already have lots to worry about. From paying your employees ...

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Public Liability NSW

... Retailer can expect to pay for Public Liability insurance in New South Wales is around $68.12 per month. There are many business types that are classified as Retailers, from toy stores and florists to restaurants or ...

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Public Liability QLD

... Retailer can expect to pay for Public Liability insurance in Queensland is around $76.81 per month. There are many business types that are classified as Retailers, from gift stores and florists to cafes or catering ...

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Public Liability WA

... s antique property? A Public Liability insurance policy will help give you ... Liability insurance through BizCover was around $60.32 per month.. There are many business types that are classified as Retailers, from toy stores ...

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Cyber Liability Insurance: the safety net small businesses need

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Management Liability Insurance

What’s included & what’s not?Get the right coverCould this happen to you? What is Management Liability Insurance?* Everyone loves a surprise, except when you are a company director. If you own or are involved in the ...

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Cyber Liability Insurance

... get the right cover for your business.i Cyber Liability insurance* is designed to help protect you from claims and ... The amount and nature of customer data you store and the security arrangements in place to protect ...

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Insurance for Project Managers

... claims which are covered by your policy. Public Liability Insurance* Whether you work from an office or you're out and about onsite, Public Liability insurance is important to your project management business. It ...

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Insurance for Architects

... finishing up but which are notified to you after the doors have closed. Public Liability Insurance* Do you need Public Liability insurance? The short answer is probably yes. Chances are you'll have regular contact ...

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Insurance for Cabinet Makers- What You Need to Know

When it comes to building and creating quality pieces of craftsmanship, cabinet makers know a thing or two. This highly skilled trade involves having an eye for detail ... with risks every day. Having the right types of insurance in place to protect your cabinet making business is ... may also be a legal requirement to have Public Liability insurance in place before you undertake a contract or ...

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Insurance for Retailers

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Insurance for Furniture Manufacturers

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Insurance for Dog Walkers

... dog walking business within a public park. Insurance for Dog Walkers Public Liability Insurance* Public Liability insurance is important for dog walkers. Public Liability insurance is designed to provide protection ...

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BizCover SME Insurance Price Index Q1 FY20

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Insurance for Handymen

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Insurance for Hair & Beauty Services

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Insurance for Tradesmen

... a pile of rubble, you're not going to be able to talk your way out of a Public Liability claim. Public Liability insurance is designed to provide protection for you and your business in the event a customer, supplier or ...

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Insurance for Landscapers

... property, there is always a chance for things to go belly up. That's where Public Liability insurance comes into play. Public Liability protects you and your business in the event a customer, supplier or a member of the ...

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Insurance for Plumber

... found 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 for ...

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Insurance for Carpenters

... the fees 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 Electricians

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Insurance for Bakers

... is where business insurance comes into play ... Insurance for bakers Public Liability Accidents can easily occur in a bakery which makes Public Liability an important type of insurance to consider. Public Liability insurance ...

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Insurance for martial art teachers

... spend 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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Insurance for Cleaners

... to affect your personal assets if things go wrong. Public Liability Insurance* Do you need it? The short answer is yes. Thankfully, Public Liability insurance is there to provide protection for you and your business ...

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Insurance for Gift Shops

... part of a commercial lease agreement Insurance for Gift Shops Public Liability Insurance* If you operate through a shop, you want customers in your store. Public Liability insurance is designed to provide protection for ...

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7 Types of Insurance Your Small Business Should Consider

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Insurance for Civil Engineers- what you need to know

... about what kinds of business insurance coverage you may need to ... ... that offer protection for different types of risks. Public Liability insurance Civil Engineers should also consider Public Liability insurance. Public Liability insurance is designed to provide protection* for you and ...

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Business Insurance Guide for the Self-Employed - Part 1

... are a variety of business insurance [] ... some of the main types of business insurances on the market. Starting with Public Liability insurance. What is Public Liability Insurance? Public Liability insurance provides protection* for  you and your business ...

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Dishing up the facts on food business insurance

... you have the right business insurance. When it comes to insuring ... ... and policy options to choose from. Why do I need insurance for my food business? Whether you are serving up ... owners pay approximately $75 per month for their Public Liability insurance policy. That's a wrap! No need to ...

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Insurance for Restaurants & Cafes

... insurers within minutes. Did you Know? Public Liability Insurance: The average level of cover our ... stress out of an ATO investigation with this insurance. Cyber Insurance As a restaurant owner your exposure could be at ...

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

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Business Insurance

... the riskiest for you. Pick and choose the cover options that suit you best. And you can include Public Liability Insurance to ensure you are not financially responsible for the costs of a legal claim should a third party ...

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Small Business Insurance Index

... price increases in the business insurance market, SMEs are continuing to ... the cost of business insurance, the BizCover SME Insurance Price ... , and both sectors saw no changes to the cost of their Public Liability insurance. SME Professionals have been seeing increases in their Public Liability insurance over the last few years, however this year the increases ...

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Finding the Right Business Insurance Can Be Hard but BizCover Makes it Easy

... and your assets with business insurance. However, figuring out exactly what ... 's why a group of insurance industry [] ... your business. Some of the more common types of cover include public liability, professional indemnity, cyber liability, business interruption and tax audit insurance. In many cases, businesses will need to mix and match ...

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BizCover SME Insurance Price Index Q1 FY21

... clients buck the trend of insurance price hikes. Whilst the Australian ... the availability and pricing of insurance for SMEs, BizCover can report ... , there were some clear winners and some losers. The Full Report can be viewed here: SME Insurance Price Index Public Liability insurance is an essential cover for SME's and one that most can't afford to operate without ...

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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 protect you and your business against a public liability claim. Reduce shoplifting The busier your store is, the higher the risk ...

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Insurance for Consultants

... Consultant ^Accurate 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 for ...

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Insurance for IT Professionals

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Insurance for Real Estate Agents

... claims which are covered by the policy. Public Liability Insurance* It's likely that you have an ... to earn an income? Cyber Insurance* Consider the client data you are storing and the implication on your business ...

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Insurance for Marketing Consultants

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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 ... awry and the chance of a claim occurring. Public Liability insurance is an essential form of cover to protect you ... prized intellectual property? With almost everything stored online, including your personal and client ...

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Insurance for Registered Migration Agents

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Insurance for Massage & Alternative Therapies

... at another location, you're always working closely with them, making Public Liability insurance an important form of cover. Public Liability insurance is designed to provide protection for you and your business in the ...

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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 or ...

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Insurance for Personal Trainers

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Insurance for Social Workers

... the legal costs associated with responding to or managing claims which are covered by the policy. Public Liability Public Liability insurance* is an easy choice for social workers. Whether you are out visiting clients in ...

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Insurance for Pet Professionals

... your control could cause injury to a member of the public and trigger a claim. That's where Public Liability insurance comes into play. Public Liability insurance* is designed to provide protection for you and your ...

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Insurance for Restaurants

... your business with Public Liability insurance. Public Liability insurance is designed to ... supplier tripping on the plastic mat in the prep area. Business Insurance* Even though you can't insure the ambiance you have ...

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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 party ...

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Insurance for Furniture Manufacturers

... issued 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 to ...

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Insurance for Plasterers

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Insurance for Professionals

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Insurance for Pizza Shops

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Insurance for Civil Engineers

... assist with the legal costs associated with responding to or managing claims which are covered by the policy. Public Liability Insurance Whether you work on-site or in an office, as a civil engineer you will likely be ...

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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 ... providing your training services. Find Out More About Public Liability Insurance As a personal trainer you'll also be ... risks and have combined the two covers into one insurance package. So you can choose to get one policy ...

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Insurance for Sole Traders and Self Emplyed

... of cover most sole traders and those who are self employed need to consider is Public Liability insurance. Public Liability insurance* is designed to provide protection for you and your business in the event a customer ...

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Insurance for Tutors

... the option to pay your policy monthly or annually to suit your individual business needs^ Insurance for Tutors Public Liability Insurance* Whether you are out and about visiting students or teaching them from your home ...

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Professional Indemnity Insurance for Consultants

A large number of people that start businesses, in Australia have been experiencing a steady growth in business for the past few years. One area that is growing in magnitude ... example, at some point you may want to add business insurance or public liability insurance for your own protection. When you buy a Professional Indemnity insurance policy, it usually is a good idea to look around until ...

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What is Business Insurance?

... against burglary, theft and accidental damage of office equipment, such as chairs, desks and computers. Public Liability Insurance which covers your business against the legal costs of a claim for injury or damage to the ...

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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 ... more seasonal injury caused by a sinister Christmas decoration. Now's the time to make sure you have Public Liability insurance, and if you do have it, ensuring you have adequate cover. 2. Increase in stock Next there's ...

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5 Surprising Things Business Insurance Can Cover

When looking for Business Insurance, most small business owners typically ... things such as their legal liabilities and top of mind assets ... ... you have your Public Liability cover in case a customer or member of the public is hurt or ... store sensitive information about your employees or clients you're an exceptionally prime target. Cyber Liability insurance ...

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Insurance for Disability Workers

... closely with your clients and members of the public, making Public Liability insurance an important type of insurance for disability support workers. Public Liability insurance is designed to provide protection for you ...

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Why do Convenience Stores need it?

Last minute groceries, afternoon snacks, and bottles of ‘don’t forget the’ milk is what provides your bread and butter. That’s why it makes sense to protect it from unpredictable risks by having the right insurance in place. Let BizCover take care of your business insurance needs by providing multiple competitive quotes, quicker than the time it takes to pour a Slurpee.

Did you know?

With convenience stores often having large glass shop front windows, glass cover is an important form of insurance and is also often required as part of a commercial lease agreement.

Insurance for Convenience Stores

Public Liability Insurance*

Public Liability insurance is an important form of insurance to consider before opening the doors to your convenience store. It is designed to provide protection for you and your business in the event that a customer, supplier or a member of the public is injured or sustains property damage as a result of your negligent business activities.

Imagine the legal and financial consequences if a customer slipped on a spilt drink, tripped over boxes of stock or was injured by a falling display. These types of claims can run into hundreds of thousands of dollars and can potentially take years to settle. Fortunately, Public Liability insurance can provide you and your business peace of mind when you need it most.

Business Insurance*

You rely on your business assets to drive business through your store, so trying functioning without them could spell trouble. Not having the right types of cover means you could be left paying a small fortune if unplanned challenges crop up.
Protect your business needs with tailored Business Insurance options that can provide cover for:

Contents and Stock* – you rely on your fixtures, fittings and stock to keep your convenience store operational so it’s important to protect it against unexpected events like fire, storm, accidental damage and vandalism.

Money* – handling large amounts of cash daily makes Money cover a vital form of insurance to consider, particularly considering data from the Australian Institute of Criminology shows that one in ten armed robberies were of service stations and convenience stores. Money cover provides protection for money belonging to your convenience store if it is stolen, lost or damaged while on your store’s premises, in transit or in your personal custody.

Theft*– covers your business for loss or damage to your contents and stock through theft or attempted theft after violent or forced entry at your convenience store.

Business Interruption* – convenience stores don’t have time for downtime. Would your business survive if you had to shut up shop for weeks or months due to an interruption caused by an insured event? Business Interruption covers for loss of turnover caused by damage at your own premises and can assist with the payment of ongoing operating expenses and related business relocation costs.

Employee Dishonesty* – protects your business from loss of money, contents or stock incurred by theft, fraud or dishonest acts by an employee.

Machinery Breakdown* – designed to help cover the cost of repairing or replacing your store’s insured machinery, such as your refrigerators and air conditioners, following a breakdown. Consider the optional cover for Deterioration of Stock which provides protection for loss of perishable stock if your fridge/s is inoperable due to breakdown.

Building* – if you own your business premises then Building cover is a no-brainer. It will cover the cost of repairing or rebuilding your business premises as a result of fire, storm or other perils outlined in the policy.

Glass*– covers the cost of replacing internal or external glass including mirrors and shopfront windows that may be accidentally or maliciously damaged or broken.

*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.