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 does Public Liability Insurance Cost?

... owners can expect to pay around $63.53 per month^ for Public Liability insurance. Public Liability insurance is one of the most popular types of insurance for businesses. In fact, it is important for almost every kind ...

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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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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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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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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

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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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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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 ... for me,” Janine says from her new home in South Gippsland, where she has given away horse-riding instruction ... online. What Janine needed was public liability insurance or insurance that protects you and your business ...

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Public Liability NSW

... ’s included & what’s not?Get the right coverPublic Liability Insurance cost Here's the lowdown on NSW public liability insurance* As a small business owner in New South Wales you already have a lot to worry about. From ...

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Insurance for Restaurants & Cafes

... leading insurers within minutes. Did you Know? Public Liability Insurance: The average level of cover our customers ... science who is harvesting nature's bounty and supplying restaurants in South East Queensland.

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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 ... Now's the time to make sure you have Public Liability insurance, and if you do have it, ensuring you ... we've already seen the effect of bushfires in Perth and South Australia. If your business was to be affected by fire do ...

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Being financially prepared for Bushfire Season

... bushfire season. Areas stretching from south-eastern South Australia to the north of ... Queensland, as well as the south-western corner of Western ... 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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What to do about employee injuries

... in each jurisdiction: New South Wales State Insurance Regulatory Authority (SIRA) [ ... ... 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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The State of Small Business

... of the issues our New South Wales [] ... 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 businesses are currently facing. Find out who's kicking goals when it comes to levels of ...

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Customer Spotlight: MetaPeople

... adventure with some friends in South West Queensland, Christian was in ... ... 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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Lord of the Beans - BizCover Customer Spotlight

... could to help defer their insurance payments and continue to keep ... ... 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

Need some new tunes to get through the work from home grind? From onehit wonders to lullaby remakes of Snoop Dogg, these are the hits Aussie small businesses workers ... “It always puts a smile on my face.” Kelly Patterson of OHS Compliance Solutions is enjoying The Dead South's, “In hell, I'll be in good company.” Self–employed digital marketing obsessed Sheridan James gets through ...

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Why Land Surveying is an Important Career

What began nearly 3,000 years ago during the rise of the Egyptian pyramids and introduction of infrastructure has grown into one of the most crucial career paths across ... is second in longevity, with only the New South Wales Governor surpassing this title. In the past, ... improve the infrastructure for underdeveloped countries. Insurance for land surveyors is also available, including ...

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10-Year Customer Spotlight: Circul8

In light of BizCover's 10-year birthday, we wanted to take a look at some of our customers who have been with us since the very beginning. Today we're looking at Circul8 ... work with some impressive clients, Japan National Tourism Organisation, Tourism Fiji, University of New South Wales, Amnesty International, Cancer Council Australia and Horticulture Innovation Australia - just to name a ...

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Customer Spotlight: Cheaper Buy The Dozen

After working 22 years in the car industry, Mansel Milne made the jump to the wine industry and started the online wine delivery company Cheaper Buy The Dozen. In its ... The Dozen sells an exclusive range of local South Australian wines as well as award-winning wines from ... convinced in the importance of a comprehensive and robust insurance plan for his business. “I believe all businesses ...

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Public Liability Insurance for Cabinet Makers

... the right kind of business insurances in place. Regardless [] ... ... 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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5 Tips for getting the best Public Liability insurance for your business

... business and your customers with Public Liability insurance. It offers protection should a ... , or even member of the public, sue your business for ... as it sounds, accidents happen. If you don't have Public Liability insurance you face the risk of being out of pocket for hefty ... to hold a minimum of $5 million PL insurance in order to secure a plumbing license. There ...

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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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What Tradies Need to Know About Public Liability Insurance

... the most common types of insurances for tradies, but do you ... the ins and outs of Public Liability insurance and what you need to ... bits. So ... and what you need to know, without the boring bits. So what is Public Liability insurance? In a nutshell, Public Liability insurance* is there to protect you and your business if a customer, supplier or member ...

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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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Do I need Public Liability insurance?

... private client contract, or as part of a lease agreement for renting a commercial property. Do I need Public Liability Insurance if I have a home-based business? Running your business from home can bring a whole host of ...

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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 QLD

... a small business operating in the Trades & Service industry in Queensland can expect to pay for Public Liability insurance is around $84.03 per month. There are a variety of occupations classified within this industry ...

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Public Liability WA

... tripping on a box you didn't put away or your employee damaged a client's antique property? A Public Liability insurance policy will help give you peace of mind. We know, sometimes you just want a quick idea of how ...

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Cyber Liability Insurance: the safety net small businesses need

... to hit, but the wider public is now starting to realise ... ... some time for the reality to hit, but the wider public is now starting to realise that hackers aren't just ... legal costs that are associated with breaches. Cyber Liability insurance won't prevent an attack, but it ...

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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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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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7 Types of Insurance Your Small Business Should Consider

... is Small Business Insurance. But what kind of insurance do you actually ... ... It's wise to consider insuring your assets, your revenue, and your liabilities. Public Liability Insurance Every business should consider Public Liability Insurance - even home-based businesses. It covers you and your ...

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Cyber Liability Insurance

... and get the right cover for your business.i Cyber Liability insurance* is designed to help protect you from claims and support ... the data breach. The cost of hiring a Public Relations firm to assist the insured with re- ...

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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 ... protect your business, using firewalls and anti-virus software to prevent attacks and data breaches, Cyber Liability Insurance will help you deal with the costs and expenses associated with a data breach. Breaches may ...

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Insurance for Plasterers

... in the policy wording. Insurance for plasterers Public Liability Insurance* Protecting your business with Public Liability insurance is a concrete decision. Public Liability insurance is designed to provide protection ...

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BizCover SME Insurance Price Index Q1 FY20

... material price reductions on their Public Liability insurance, while prices have remained steady ... ... all products, driven by both a 5% (Retail) and 13% decrease (Professionals) in the price of their Public Liability insurance for the most recent quarter. This contradicts the steady industry increases we have seen for ...

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Do I need insurance for my market stall?

From fresh food and irresistible treats to clothing, arts, crafts, and bric-a-brac, Australia has become spoiled for choice when it comes to markets. And with the festive ... risks. Insurance for market stall holders is designed to protect you and your business against the financial risk in the event that something goes wrong, It usually consists of two types of cover - Public Liability and ...

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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 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 Hair & Beauty Services

... with the legal costs associated with responding to or managing claims which are covered by your policy. Public Liability Insurance* Whether you work from your own salon or you provide a mobile service, you're always in ...

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Insurance for Handymen

... a bone or two; you knock over your client's expensive antique vase - the list of potential mishaps can go on! Public Liability insurance is designed to cover legal fees and compensation costs if a customer, member of the ...

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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 Car Wash and Auto Detailers

... trip over a piece of your equipment to trigger a claim. That’s where Public Liability insurance comes into play. Public Liability insurance is designed to protect your business in the event a customer, supplier or a ...

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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 Electricians

... resulting in an electrician testing their own work. Get the cover that’s right for your electrician business Public Liability Insurance* Let's be honest, there's a lot that can go wrong. No matter how good you are ...

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Insurance for Yoga Teachers

... your reputation - peace of mind for you and your business without having to bend over backwards. Public Liability Insurance* Working closely with your clients can also put you at risk of personal injury claims meaning ...

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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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Keep calm and stretch on with Yoga Teacher insurance

... of arranging your yoga teacher insurance go. As a yogi or ... business. Let us centre your insurance chakra by exploring some of ... ... you go about your business, there is always the risk of an accident happening, and that's why Public Liability insurance is equally important for yoga teachers. If a student (or perhaps even a tradie doing some work for ...

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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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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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Dishing up the facts on food business insurance

... you have the right business insurance. When it comes to insuring ... ... personal care. Did you know? On average, restaurant and café owners pay approximately $75 per month for their Public Liability insurance policy. That's a wrap! No need to get into a jam when it comes to arranging ...

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5 Questions to ask yourself before buying Insurance for your Small Business

Know you need business insurance but aren't sure how ... while and looking to buy insurance for the first time; there ... ... condition of your lease. Below is a summary of the key areas of cover available to businesses. Public Liability insurance covers against the legal costs for claims of injury or property damage to 3rd parties due to your ...

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

... by not having the right insurance in place? Read on to ... ... your cover with the right limits in advance. Some industry bodies will require you to have your own Public Liability insurance policy before being able to join Cover your bits Your tools of trade are vital to getting the ...

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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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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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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 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 Retailers

... party on the insurance policy. Insurance for Retailers Public Liability Insurance* Public Liability insurance is an important type of insurance cover for retail shop owners. Public Liability insurance is designed to ...

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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 Psychologists

... to or managing claims which are covered by the policy. Public Liability Insurance* Considering you work closely with your clients; Public Liability insurance is an easy choice. for psychologists. It provides protection ...

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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 IT Professionals

... common requirement for independent contractors to hold and maintain their own Professional Indemnity insurance policies. Public Liability Insurance* Chances are you spend most of your time visiting your client's offices ...

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Insurance for Personal Trainers

... costs associated with responding to or managing claims which are covered by the policy. Public Liability Insurance* Public Liability insurance is important to keep your business fighting fit.  In fact, it's likely that ...

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Insurance for Restaurants

... happen in a restaurant environment. You should consider protecting your business with Public Liability insurance. Public Liability insurance is designed to provide protection for you and your restaurant business in the ...

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Insurance for Bakers

... out glass cover. 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 is designed to provide ...

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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 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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Insurance for Professionals

... your defence costs (which can include legal costs, investigator costs and expert fees). Public Liability Insurance* Public Liability insurance can be an important form of cover for all types of professionals. It is ...

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Insurance for Recruitment Consultants

... with responding to or managing claims which are covered by your policy. Public Liability Insurance* Public Liability insurance is an easy choice for recruitment consultancy services. It is designed to provide ...

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Insurance for Pizza Shops

... pizza shop is an environment where accidents can easily happen, making Public Liability an important form of insurance to consider. Public Liability insurance is designed to provide protection for you and your restaurant ...

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Insurance for makeup artists

... daily basis the stakes are high that something could go wrong, which is why Public Liability insurance is an important form of insurance. It provides protection for you and your makeup artistry business in the event that ...

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Insurance for Real Estate Agents

... assist with the legal costs associated with responding to or managing claims which are covered by the policy. Public Liability Insurance* It's likely that you have an office for your clients to visit and you are often ...

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Insurance for Marketing Consultants

... visit you, or you are getting your dose of vitamin D by heading out to meet them, Public Liability insurance is important to your business. It is designed to provide protection for you and your marketing business in ...

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Insurance for Nurses

... to disciplinary action as a result of your nursing activities. Public Liability Insurance* Considering how closely you have with your patients; Public Liability insurance is an easy choice for nurses. It is designed to ...

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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 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- 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 ... regular basis, there is a chance that something can go awry and the chance of a claim occurring. Public Liability insurance is an essential form of cover to protect you against financial losses that arise from a claim of ...

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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

 

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:

*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.