BizCover SME Insurance Price Index Q1 FY20

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Small Business Insurance Index

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5 Tips for an Insurance Health Check

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Small Business Insurance Price Index Q3

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

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

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What is Public Liability Insurance?

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Legal Requirement for Public Liability Insurance

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Public Liability Insurance

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Public Liability Insurance in Rockhampton

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Public Liability Insurance in Mandurah

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Public Liability Insurance in Port Macquarie

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Public Liability Insurance in Perth

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Public Liability Insurance in Hobart

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Public Liability Insurance in Darwin

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Public Liability Insurance in Adelaide

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Public Liability Insurance in Brisbane

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Public Liability

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How much Public Liability insurance do I need?

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7 Types of Insurance Your Small Business Should Consider

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Dishing up the facts on food business insurance

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Insurance for Furniture Manufacturers

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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 ... ,000 BizCover customers with PI insurance during the 2016/17 financial year ...

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Do I need insurance for my market stall?

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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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Keep calm and stretch on with Yoga Teacher insurance

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Things you didn't know about small business insurance

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5 Surprising Things Business Insurance Can Cover

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

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The Risky Business of Insurance

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Beauty to go! What Mobile make-up artists need to know about insurance

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5 insurances every convenience store owner needs to know about

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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 ... services. Find Out More About Public Liability Insurance As a personal trainer you'll ...

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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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6 Areas You May Not Have Thought Business Insurance Covers

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5 Common Beauty Insurance Claims

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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 ... within your Business Insurance pack, as with increased trading you are likely ...

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

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Small Business Continues to Win on Insurance Prices!

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Digital Marketing Tips for Cabinet Makers

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Marketing Basics for Cabinet Manufacturers

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Cyber Liability Insurance: the safety net small businesses need

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Personal Accident and Illness Insurance for Tradies

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Getting the Best Value on Your Business Insurance

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

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Small Business Index July 2015

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Who is Covered Under an IT Liability Policy?

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

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Managing Risk for Tradesmen

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Comparethemarket.com.au and BizCover Announce White Label Partnership

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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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The Risks of Growing Your Small Business

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The Art of Being a Creative Small Business

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

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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 ... and other more traditional direct marketing to reach her senior clientele ... Professional Indemnity, Public Liability, Business Insurance, Management Liability and now Cyber Insurance. BizCover provides ...

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How to hire quality tradesmen for your small business with Oneflare

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Preparing your store for the holiday season ahead

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Top trends in the furniture industry

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

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5 Ways To Prepare Your Business Premises For The Cooler Seasons

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BizGiver finds it's latest winner in Wild Forage

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PI Index: Premiums Decline 10 Straight Quarters

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5 Reasons to love Personal Accident Cover

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BizCover wins dual accolades over two big nights

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Tips for making a Stress-Free Claim

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Professional Indemnity Claims: when should I notify my insurer?

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Comparing Portable Equipment & Electronic Equipment Cover

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A Close Shave with Underinsurance

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When it Rains it Pours: Understanding Flood Cover.

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Professional Indemnity for Real Estate Agents

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Aussie Entrepreneurs Share the Top 3 Lessons They've Learned

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7 Steps for Your Business to Survive and Thrive

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Toolbox of Tips for Tradies National Health Month

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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 ... growing the business, a sole trader structure may be right for ... a non-compete or restraint of trade clause. These are all protections ...

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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 ... of equipment. “As a sole trader, insuring my business is almost ...

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Challenges of the Furniture Manufacturing Industry

Modern furniture design Furniture design isn't exactly easy. Furniture designing is an artistic niche that caters to both the functionality, as well as the visual appeal ... also important to choose suitable insurance coverage to give you peace ... names, have significant resources for marketing campaigns, and can take advantage ...

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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 ... major mining company to provide marketing and digital design services. Whilst ...

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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 ... to help boost your marketing efforts: Subscribe: many marketing websites, such as ... to start? Download our Business Insurance Checklist for Small Businesses here ...

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5 Money Saving tips for Small Business

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Here’s the lowdown on Public Liability insurance*

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

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

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

 

Public Liability explained further…

Product Liability explained further…



Independent feedback from our customers rated our service at excellent.

What is typically included?**

Compensation for:

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

 

What is typically not covered?* 

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

 

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

Download Public Liability Fact Sheet

Your Cover Options 

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

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

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