Public Liability Insurance For Photographers

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  • Flexible payment options – monthly or annually

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Reviews related to Public Liability Insurance For Photographers

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

    Les K
    Door Or Window Wholesaling

  • I have never purchased public liability insurance so I had no idea about anything. I rang Biz cover and spoke to Patrick who was super helpful and explained everything to me in a simple way that was easy to understand, I believe that I have also received

    Simona F
    Kitchen / Bedroom / Bathroom Furniture Manufacture & Installation

  • very easy to get my public liability insurance done within minutes!! Thanks.

    Troy M
    Landscape Construction

  • Very affordable insurance for public liability. I now use Bizcover for both my fast food business and my contractual training work.

    Katrina S
    Fast Food Retailing

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

    Natalie R
    Commercial Cleaning Services

  • So quick and easy to purchase liability insurance from a range of insurers. Very happy customer!!

    Shirley M McIntosh
    Trades & Services

  • Great Price on my Liability insurance

    James M
    Trades & Services

  • So quick and easy to purchase liability insurance from a range of insurers. Very happy customer!!

    Shirley M
    Food wholesaling nec

  • Fantastic. Needed to organise business insurance for a new business over the Christmas holiday period. No other insurance companies were open. What a relief I could search, compare and secure a new insurance policy online through BizCover! Highly recommen

    Katherine W
    Motel Operation

  • Bizcover makes professional insurance easy. Good selection of insurance varieties and options. Easy to review, change and renew. Competitive rates.

    Darren J
    Real Estate Agency Service

  • I compliment your company on such an easy and effortless way to acquire insurance with good information when comparing Insurer options.

    Tim M Mesic
    Architecture & Surveying

  • I have played phone tag with several brokers and insurance providers...what a relief to finally find a simple online service.

    Paul C Cunningham
    Consultancy Occupations

  • Very responsive service and competitive insurance pricing. Thank you Wanda

    Wanda B Buza
    Registered Migration Agent

  • Thanks, needed insurance in a hurry as just offered a contract for this weekend. Everyone else was st home!

    Pippa B Blatch
    Retail

  • Compare the market were quick to respond to my enquiry, were extremely helpful, took the time out to understand what I needed and came back with some quotes very quickly. They helped me understand what insurance would be best for me and were extremely kno

    Sarah W Woodland
    Trades & Services

  • Easy no fuss way to purchase insurance

    Heath W Wheeler
    Trades & Services

  • very easy and seamless process. It took me less than 20 mins through bizcover to insure my business whereas i also tried to go through an insurance broker who took 2 weeks and did nothing for me.

    Smita K
    Finance and Mortgage Broking

  • Thanks insurance made simple

    Phillip A
    Trades & Services

  • The process was extremely easy. Would recommend to anyone requiring insurance

    Susan G
    Registered Tax Agents

  • It was so fast and simple to obtain insurance for my small business!! I am a new small business owner and am new to this so I found it easy to use and fast to obtain :)

    Ragan M
    Allied Health

  • You make life a lot simpler in choosing business insurance. Thank you.

    Paulus A
    Information Technology

  • Great and easy way to buy insurance

    Kimberley W
    Allied Health

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

    Richard A
    Trades & Services

  • Great to have affordable insurance!

    Pathmawathy V
    Retail

  • A fairly non-complicated insurance sorting site, well done!

    Tina D
    Art And Craft Retailing

  • A very easy system for acquiring insurance

    Jeff B
    Aerial Photography Service

  • Awesome Service. Easy to use website to buy insurance. No wait times to talk to a real person!! Would 100% recommend.

    John F
    Real Estate Management Service

  • Easiest and best value insurance I've ever bought

    Steven C
    Information Technology Services (IT)

  • Easy no fuss way to purchase insurance

    Heath W
    Car Detailing Service

  • Easy online process for getting an insurance solution and quote. I was able to complete this at a time that suited me, without being limited to business hours telephone support type scenarios.

    Trevor M
    Medical Supplies and Equipment Wholesaling

  • easy process from start to finish for uncomplicated business insurance.

    Alisha O
    Management Consulting Service

  • Easy system to purchase insurance with.

    Carly B
    Migration Agency Service

  • Easy, great service, definitely recommend to those putting off business insurance because it's too hard"!

    Jordana B
    Professional Writer

  • Exceptional platform for purchasing insurance.

    Darryl M
    Labour Hire Service

  • GREAT - half the price of previous insurance broker we have been using

    Shona J
    Information Technology Services (IT)

  • Great alternatives for my business insurance. Saves a few hundred dollars by simply service the service :)

    Corey H
    Gift Shop Operation (Except Adult/sex Shop)

  • Great insurance very simple and easy to understand whilst filling out

    Frank F
    Painter/Decorator

  • Great to have affordable insurance!

    Pathmawathy V
    Internet Cafe - Mainly Internet Service Operation

  • Great way to get insurance

    Martin K
    Town Planning Service

  • Great website - super easy to obtain personal trainers insurance!

    Ken R
    Personal Fitness Trainer/Service

  • Great, simple process, connectivity was a bit of an issue but we got there in the end. Thank you BizCover you have made the insurance process efficient and effective.

    Adriel S
    Television Production, Film Or Tape

  • I compliment your company on such an easy and effortless way to acquire insurance with good information when comparing Insurer options.

    Tim M
    Interior Design Service

  • I have played phone tag with several brokers and insurance providers...what a relief to finally find a simple online service.

    Paul C
    Management Consulting Service

  • It was easy to obtain quotations and the insurance coverage from BizCover

    Terry D
    Auditing Services

  • it was really easy to buy insurance!!

    James W
    Information Technology Services (IT)

  • its a great way to compare insurance without being hassled by middlemen

    Abhijat M
    Education Consultant

  • Love the ease of acquiring insurance for the business... well done people

    Dianne B
    Automotive Electrical Component Manufacturing (Except Batteries)

  • Made the whole process of securing business insurance easy! Thank you!

    Rosslyn C
    Management Consulting Service

  • Nice and easy! I had an insurance broker that make this sooo complicated! Thank you very much!

    Johanna C
    Business Administrative Service

  • One stop shop made it easy to get quotes and finalised insurance policies.

    Stuart G
    Information Technology Services (IT)

  • quick and easy to get insurance

    Leanne G
    Bookkeeping and BAS Agency Services

  • Quick and efficient service for business insurance

    Franco M
    Horticultural Services

  • Really easy to use and well priced insurance

    Sarah S
    Life Coach

  • Simple and quick process to arrange insurance

    Robert S
    Wire Or Cable Wholesaling (Except Electric Cable)

  • Simple easy and efficient service for business insurance renewals.

    Scott E
    Training Consultancy Service

  • Simple enough to navigate and compare, and as a first time business insurance purchase gave me confidence over other online services due to the disclosure of the underlying companies and their PDS.

    Duncan S
    Management Consulting Service

  • So easy to add insurance online!

    Paul R
    Health And Fitness Centre Operation

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

    Casey W
    Hairdressing Service

  • so easy to take out insurance .Thanks

    Matt H
    Bricklaying

  • So great I can arrange my insurance online and at a time that's convenient especially being a mum.

    Merly H
    Recruitment Consulting / Employment Agency Services

  • So quick and easy. Great way to acquire insurance when you are time poor.

    Sharon C
    Bookkeeping and BAS Agency Services

  • Such a simple and easy to use service - I recommend it to all my colleagues who need similar types of insurance

    Andrew W
    Management Consulting Service

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

    Ellie K
    Cosmetics Retailing - Direct Selling

  • Super easy and efficient way to get the best price for my insurance. Thanks heaps !

    Kate G
    Dance And Ballet School Operation

  • Thank you. The service was fabulous. It was so easy to buy my insurance. I'm really happy with the price too.

    Deborah J
    Beauty Salon Operation

  • thanks for making this so easy, was alittle bit stress thinking about getting my insurance..

    Christopher K
    Pet Retailing

  • Thanks, needed insurance in a hurry as just offered a contract for this weekend. Everyone else was st home!

    Pippa B
    Bakery Products Retailing - Not Manufactured At Same Premises

  • Thankyou for making taking our insurance so easy to manage and purchase

    Danni S
    Domestic Cleaning Services

  • The easiest insurance services to engage

    Baden W
    Management Consulting Service

  • The service provided is A1 and will refer more business for Insurance and other related matters.

    Chandra Prakash C
    Tax Agent Service

  • The web page is simple and clear. I have received the email with the insurance stuff. So far so good. Thanks.

    Armando A
    Information Technology Services (IT)

  • This is great way of looking for insurance

    Selma P
    Labouring - Contract Painting And Decorating Services

  • This website was easy to use and I was able to select and pay for the insurance I required quickly and conveniently.

    Gerard W
    Education Consultant

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

    Richard A
    Builder - House Construction Alteration Or Renovation

  • Very easy process. Very competitive quote for the insurance.

    David C
    Information Technology (IT) / Computer Consulting Service

  • Very easy to buy my insurance

    Carlos Alberto N
    Car Detailing Service

  • Very easy to use and immediate quotes on insurance. Questions are easy to understand and answer.

    David F
    Community Association Operation

  • Very easy way to sort out insurance

    Luke H
    Information Technology Services (IT)

  • Very responsive service and competitive insurance pricing. Thank you Wanda

    Wanda B
    Migration Agency Service

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

    Soner B
    Information Technology Services (IT)

  • Easy to apply for insurances

    Joanna K
    Education Consultant

  • easy to use and pretty straightforward. it'll be great if it can be tweaked where a couple of insurances are required.

    Raj M
    Management Consulting Service

  • site was easy to navigate and worth through the insurances

    Anthony W
    Enquiry Agency Service

Public Liability insurance

Public Liability insurance is one of the most common types of business insurances that a variety of different small businesses choose to take out. It is there to provide protection if someone makes a claim against the insured, the business or its employees. Claims from a third-party can be for personal injury or damage caused to their property caused by your business activities.

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…

What kind of businesses need Public Liability insurance?

In a nutshell, if your business is interacting with any third parties like customers, suppliers and members of the public on a regular basis, then you may need to consider Public Liability insurance. The chance of Public Liability insurance claim can be hard to predict, but if it were to occur, the costs to your business could be extremely costly and potentially enough to send you out of business.

An example of some of the typical types of businesses that may take a Public Liability insurance policy include:

What is typically included?**

Compensation for:

  • Compensation costs for the personal injury suffered by a third party (e.g. a customer, supplier or member of the public)
  • Compensation for damage to property owned by a third party due to your negligent business activities
  • The legal and defence costs associated with a covered claim
  • Compensation for damage of third-party goods not owned by you which are in your care, custody or control
**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 or product recall
  • Professional negligence
  • Contractual liability
  • Events occurring before or after the policy period
  • Aircraft products
  • Asbestos
  • Liquidated damages
  • Gradual pollution
  • Punitive damages- where the insured acted so badly that extra damages were awarded
  • Liabilities assumed under contract which the insured would not be liable for at common law

Get the right cover

 

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:

  • Do any of your contracts require a minimum level of public liability cover?
  • Has your industry body set a minimum level of public liability cover for membership?
  • Does your business or trade licence require a minimum amount of public liability cover?
  • What kind of accidents could occur due to your business operations and what could be the potential cost of a claim?

Why choose BizCover for your Public Liability insurance?

Built for small business

We know insurance and what makes small businesses tick

Clear and competitive pricing

You can compare and choose from a range of highly competitive prices right there on your screen.  Seriously.

Cover to match your needs

You can tailor policies from selected Australian insurers to suit the needs of your business, and we are there to help!

Real people adding real value

Our friendly service team is on hand and on a mission to make you smile!

Frequently Asked Questions on Public Liability Insurance

Small business owners on average in the 2018/19 Financial Year paid around $63.53 per month^ for Public Liability insurance through BizCover. Public Liability Insurance is one of the most common types of insurance for businesses.

When it comes to the pricing of Public Liability insurance, there isn’t a one price fits all. There are a variety of industries and occupations, each with different risk factors that can impact the pricing greatly. Some of these key factors include:

  • The type and nature of your business
  • Your business turnover and size
  • The amount of insurance cover your business needs

Additional factors that determine the cost of your Public Liability insurance policy include:

  • The location of your business
  • What is included and excluded in your policy
  • The insurance provider you choose

The most accurate way to find out the cost for your business is to simply get an instant online quote.

 

*We know, sometimes you just want a quick idea of how much your insurance is actually going to cost.  However, it’s important to note that the data included within this article was sourced from BizCover’s Australia wide customer data for all “pay by the month” public liability policies purchased through BizCover during 2018/19 Financial Year and is intended as a guide only.  It may not reflect pricing for your particular business as individual underwriting criteria will apply.  Get a hassle-free quote for your business here.

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.

While it is not a legal requirement in Australia for most businesses, there are some situations where it may be mandatory for you to have you an active Public Liability policy before you can  operate. For example, it may be a contractual requirement to have before you are allowed “on site”.

No matter how much care you may take, if your business interacts with clients, suppliers or members of the public, there is always the potential for a claim to occur.

You may need to consider Public Liability cover if any of the following apply to your business:

  • You have customers, suppliers or members of the public who visit your business premises, e.g. diners who visit your cafe, or clients who visit your office, whether in a commercial building or home-based office
  • You manufacture and/or sell any kind of products, e.g. food, beauty products, furniture, clothing or household items
  • Working at your client’s site, e.g. a tradesperson carrying out repairs or work in other people’s homes
  • If your business hosts or participates in public events, like a stand at a tradeshow attended by members of the general public

One of the first things to consider when calculating which level of Public Liability insurance your business may need is to think about the risks your business faces and any industry or contractual requirements involved.

While it would be nice to be told the exact amount of cover you should have, the decision is ultimately up to you.

If you work with contracts, these commonly stipulate the minimum amount of Public Liability cover your business must hold to comply with the contract. Professional bodies and industry associations may also require members to maintain a minimum amount of Public Liability insurance to become a member or to meet licensing requirements.

Take the time to consider the amount of work that you perform and the appropriate amount of financial protection you would need in the event a Public Liability claim is made against you.

With BizCover there are three levels of cover (limits of liability) available to select: $5 million, $10 million or $20 million.

The appeal of having the freedom to be your own boss is why so many Australians operate as a sole trader, but it is not one that comes without its own risks. Unlike working for a company, the reality is when things go wrong and a claim is made, you could be held responsible and it’s your back pocket that could be left financially destroyed.

An unplanned event could not only put your personal finances in havoc, but you could end up shutting up shop for good. Fortunately, with the right insurance in place, not only will you have a solid financial safeguard in place, but protection for your hard-earned reputation too.

Public Liability insurance is a popular type of insurance amongst sole traders. As a small business owner you have a legal responsibility to take the right steps to create a safe environment for third-parties when they interact with your business.

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 become injured or sustain property damage as a result of your negligent business activities.

The short answer? No. Each type of insurance provides specific cover for very different kinds of business risks.

Business insurance* is an insurance package designed to provide cover for your business contents, stock, tools and commercial premises when an insured event occurs (such as fire, storm, theft or even accidental damage). A Business insurance package can also cover your portable equipment, glass and for loss of revenue due to business interruption in specified circumstances.  It also offers the option of selecting public liability cover but that is not automatically included.

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 .

If your business manufacturers or sells products you may also need to consider Product Liability insurance. Product Liability insurance* protects your businesses against claims by third parties relating to property damage or personal injury caused by your products.  It typically forms part of a Public Liability policy.

 

Public Liability insurance can be purchased as a stand alone product or as part of a Business insurance package.

One of the first steps you need to take in lodging a claim  (or to report a circumstance which may lead to a claim) is to complete a claim form – please click here to download.

To assist with the processing of your claim and to avoid delays, please attach all the supporting documents you have, which may include original invoices, receipts, manuals, pictures, reports and replacement quotes.

Once you have completed the form, email it to: [email protected] and we’ll manage the process directly with the insurer.

Public Liability and Professional Indemnity insurance both offer different types of cover, for different kinds of risks your business may be exposed to.

Public Liability insurance is designed to provide coverage for legal fees and compensation costs if a customer, member of the public, or a supplier claims against you for injury or damage to their property as a result of your alleged negligent business activity*.

This differs from the type of coverage Professional Indemnity insurance* provides. Professional Indemnity insurance focuses on protecting you against losses claimed by a third party due to alleged or actual negligence or errors in your professional services or advice.  Professional Indemnity insurance will meet the associated compensation payable to a third party together with your defence costs (which can include legal costs, investigator costs and expert fees).

If your business requires having clients visit your premises, or you going to visit them, providing your advice and services, then Public Liability and Professional Indemnity insurance may be two important forms of coverage your business needs to consider.

* This information is general only and does not take into account your objectives, financial situation or needs. It should not be relied upon as advice. As with any insurance, cover will be subject to the terms, conditions and exclusions contained in the policy wording.