Public Liability Insurance South Australia

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How much does Public Liability Insurance Cost?

... with a higher perceived risk. What is the average cost of Public Liability insurance by state or territory?^ State Average monthly premium New South Wales $67.94 Victoria $67.32 Queensland $68.27 Western Australia ...

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Public Liability Insurance Explained

... Advertising Injury Pollution Reckless or wilful failure to take care Do I really need Public Liability Insurance? Public Liability insurance is a fundamental type of cover that many different types of business may find ...

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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 fixed ...

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How much Public Liability insurance do I need?

... up 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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Public Liability Insurance In Rockhampton

... , small businesses in Rockhampton pay $35.40 **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

... in Port Macquarie pay $26.30 **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 important ...

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Public Liability Insurance In Perth

... 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 Mandurah

... average, small businesses in Mandurah pay $28 **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 Hobart

... 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 important ...

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Public Liability Insurance In Darwin

... in Darwin pay around $30.80 **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 Brisbane

... , small businesses in Brisbane pay around $55 **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 Adelaide

... 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

... *: Compare quotes from our trusted insurance partners: Public Liability Insurance Cost What's included & what's not? Get the right cover FAQ's Public Liability insurance Public Liability insurance is one of the most ...

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Public Liability Insurance NSW

... premiums below. How much do Retailers pay for Public Liability Insurance? The average amount a small business Retailer can expect to pay for Public Liability insurance in New South Wales is around $68.12 per month. There ...

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Public Liability Insurance NSW

... premiums below. How much do Retailers pay for Public Liability Insurance? The average amount a small business Retailer can expect to pay for Public Liability insurance in New South Wales is around $68.12 per month. There ...

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Public Liability Insurance Scenario

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How to start a business in South Australia

... as a result of your negligent business activities. Sorting out your Public Liability insurance in South Australia (or most other types of insurance products, for that matter) is easy through the online platform BizCover ...

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Insurance for Restaurants & Cafes

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Top 4 Profitable Small Business Ideas in Adelaide

... due to injury or sustaining property damage due to your negligent business activities. Sorting out your Public Liability insurance in South Australia is easy. Just jump online to compare quotes; you’ll be covered in no ...

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Architect licence requirements in Australia

... ACT Architects Board. How to get your architect license in New South Wales A license is required to work as an architect in ... Public Liability and Business Insurance Packages to Cyber Liability and Management Liability , ...

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What to do about employee injuries

... oversee the schemes in each jurisdiction: New South Wales – State Insurance Regulatory Authority (SIRA) Queensland – WorkCover Queensland South Australia – ReturntoWorkSA (RTWSA) Tasmania – WorkSafe Tasmania Victoria ...

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Being financially prepared for Bushfire Season

... south-eastern South Australia to the north of Rockhampton in Queensland, as well as the south-western ... is also a good time for businesses to check their insurance to ensure they have adequate cover to survive financially ...

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How to get a NSW plumbing licence

... South Wales, there most certainly isn't any shortage of plumbing work in Australia's most populated state. The NSW building and construction industry - both the public ... to become, plumbers' insurance is a must once you ...

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Customer Spotlight: MetaPeople

... his own career management company with a business partner. Then, on an outback adventure with some friends in South West Queensland, Christian was in a terrible motor accident that changed his life. “It took 2.5 hours ...

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How to start a plumbing business

... Building and Construction Commission New South Wales plumbers: Fair Trading: ... typical types of insurance you may need to consider as a plumber. Public Liability insurance*- Public Liability insurance is designed to ...

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How to get a real estate licence in Australia

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The best cities in Australia to launch a business

... 2018 Innovation Cities Index . Additionally, the New South Wales Government actively supports emerging business through the ... be relied upon as advice. As with any insurance, cover will be subject to the terms, conditions ...

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The State of Small Business

... out on the oval, we decided to go off the field and take a look at some of the issues our New South Wales and Queenslander small business es are currently fac ing . F ind out who's kicking goals when it comes to levels ...

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Email Survey Draw Terms and Conditions

... by the laws of New South Wales, Australia and the New South Wales courts will have exclusive jurisdiction ... that stated in these Terms and Conditions; (e) any tax liability incurred by a winner or entrant; or (g) taking/ ...

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BizGiver - Full Terms and Conditions

... which will be used in our PR and in other public domains to promote the Sponsor running the Promotion in ... (including taking/use of a prize), except for any liability which cannot be excluded by law. If this Competition is ...

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BizCover Launches Women in IT Scholarship

... find suitable and affordable insurance . We don't mean to brag but we were ranked in the Top 50 Fast Growing Tech companies by Deloitte in 2018 and have similar offerings in the US, South Africa, and New Zealand ...

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Workers Compensation Insurance

... about each of the schemes by visiting the links below: NSW icare is currently the sole provider or Workers Compensation insurance in New South Wales https://www.icare.nsw.gov.au/#gref VIC https://www.worksafe.vic.gov.au ...

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How to get a handyman licence in NSW

... licence to operate in Australia - except for in New South Wales (NSW). So before you start your handyman ... carry some forms of insurance. This is particularly prevalent with Public Liability insurance *, which could help ...

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6 tips for reducing your business expenses

... and everywhere in between to reduce their risk via business insurance. So whether you require business insurance in South Australia or business insurance in Western Australia or in any other Australian state, you ...

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Top 5 profitable small business ideas in Sydney

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Why Land Surveying is an Important Career

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Customer Spotlight: Cheaper Buy The Dozen

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10-Year Customer Spotlight: Circul8

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How to start a window cleaning business

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How to start a fencing business in Australia

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Lord of the Beans - BizCover Customer Spotlight

... so did what we could to help defer their insurance payments and continue to keep their livelihoods protected during ... to discover new and interesting areas all over New South Wales. Always being on the move also allows me ...

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The Work From Home Playlist

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Your holiday business closure checklist: 8 tips

... Christmas shutdown period; and Investing in Cyber Liability insurance . 5. Get ready for the new year ... business insurance. So whether you require business insurance in South Australia or business insurance in Queensland ...

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Public Liability Insurance for Cabinet Makers

... under a contract or as a condition of entry to a worksite. If so, make sure you have your Public Liability insurance policy sorted before you pick up the tools and that you have the right level of cover required. What ...

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Does Public Liability insurance cover employees?

... to have if your business involves interacting with people. What is not covered by Public Liability insurance? PL does not cover certain events. If your business is responsible for a claim that does not include injury ...

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Do I Need Public Liability insurance?

... a small price to pay for big peace of mind. What if I don't have Public Liability insurance? If you don't have Public Liability insurance, you may be exposed to different types of risks that could, in some circumstances ...

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Legal Requirement for Public Liability Insurance

... against 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 QLD

... Compare quotes from our trusted insurance partners*: Public Liability Insurance Cost What's included & what's not? FAQ's What is Public Liability insurance? Public Liability insurance is designed to provide protection ...

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Public Liability Insurance WA

... The last thing you want to think about is paying for unexpected accidents - but they 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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Public Liability Insurance QLD

... ! The last thing you want to think about is for unexpected accidents - but they do happen. Public Liability insurance is designed to provide protection for you and your business in the event a customer, supplier or a ...

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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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New Public Liability-1b

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Information Technology Liability Insurance

... independent contractors to hold and maintain their own Professional Indemnity insurance policies. Public and Products Liability insurance Public Liability insurance is designed to provide protection for you and your IT ...

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Allied Health Combined Liability Insurance

... out and about, when you're interacting with clients, Public Liability insurance is an important consideration for allied health professionals. Public Liability insurance is designed to provide protection for you and your ...

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Claim for Public Liability

... business Easy online claims form Need help? Call 1300-249-268 Compare quotes from our trusted insurance partners: Public Liability It's important to notify your insurer as soon as possible of all compensation claims made ...

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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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Cyber Liability Insurance

... Could this happen to you? What is Cyber Liability Insurance? Cyber Liability insurance* is designed to help protect you from claims ... the data breach. The cost of hiring a Public Relations firm to assist the insured with re ...

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Management Liability Insurance

... *: What's included & what's not? Get the right cover Could 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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Reviews related to Public Liability Insurance South Australia

  • 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

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?

BizCover - Built for Small Businesses

Built for small business

We know insurance and what makes small businesses tick

BizCover - Clear and Competitive Pricing

Clear and competitive pricing

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

BizCover - No Jargons

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!

BizCover - Real People

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: claims@bizcover.com.au 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.