Legal Requirement for Public Liability Insurance

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Public Liability Insurance

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 ... relatively simple process. Purchasing public liability insurance online, where quotes are instant and transparent ... and reputationally. Insurance will cover you for the costs of legal defence ...

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5 Surprising Things Business Insurance Can Cover

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BizCover SME Insurance Price Index Q1 FY20

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The Risky Business of Insurance

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Things you didn't know about small business insurance

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The Risks of Growing Your Small Business

"The only strategy that is guaranteed to fail is not taking risks." - Mark Zuckerberg There comes a time when every successful enterprise needs to ditch the baby steps ... ? Insure your legal liability! Public Liability (or 'PL') covers claims against personal injury or ... relies on a website or online activity. Malware is becoming more ...

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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 ... claim occurring. Public Liability insurance is an essential form of cover to protect ... property? With almost everything stored online, including your personal and client ...

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How to hire quality tradesmen for your small business with Oneflare

When hiring tradesmen for your small business, you don't have any room for error - so every tiny detail counts. It can be daunting and time-consuming sorting through ... insurance to look out for. Public Liability Insurance This is the most ... essential. Doing some research online before requesting quotes can give you a ...

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

The world of plastering is varied, one day you're crafting decorative ceiling features, the next hanging drywall in an office complex. You've worked hard to get your ... your own Public Liability insurance policy before being able to join Cover your ... minutes over the phone or online, with your certificate of insurance ...

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

In the blink of an eye, the silly season is here again! For some, it's the busiest time of year, from retailers helping people get their last-minute gifts and service ... that the venue has Public Liability cover in place to cover your employees and ... to do it. Check out online courses on educational sites like ...

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Preparing your store for the holiday season ahead

The holiday season is upon us, which is an important time for retail businesses. It can provide a much needed boost in sales, but on the flip side it can also mean an ... expenses. Ensure your Public Liability insurance policy has adequate cover to protect you ... As more shoppers turn to online shopping it's time to think ...

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

The journey to becoming a successful small business owner is one of twists, turns and the occasional speed bump. In our two-part series (catch up on part 1 here) we map ... are going to meet! Connecting online. There are so many Facebook ... liable, your Public Liability policy will cover the associated legal costs of defending your ...

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The Art of Being a Creative Small Business

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Our Customers Get Their Bad Business Habits Out of Their System

We recently launched a campaign that showed how small business owners really feel about their expensive, outdated policies… and encouraged them to get them out ... when he subjected his old public liability policy to his bandsaw. Jill ... procrastinating by wasting time entering online competitions (not ours we hope ...

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Public Liability Insurance in Rockhampton

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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 Brisbane

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Public Liability Insurance in Port Macquarie

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Public Liability

... legal costs associated with managing claims that are covered by the policy. Public Liability ... of public liability cover? Has your industry body set a minimum level of public liability cover ...

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What is Public Liability Insurance?

... their property. Most Public Liability policies also extend to cover Product Liability. If ... associated legal fees (including defence costs) could potentially send you out ...

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

Running a business can be rewarding, challenging but also stressful. While you will are taking control of your earning potential and the upside can be great, there are ... have at least $5 million public liability cover to secure work with real ... for forensic and legal costs as well costs associated with notifying the ...

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Who is Covered Under an IT Liability Policy?

Information Technology Insurance Professionals in the information technology sector face potential liabilities from clients and third parties everyday. Clients expect ... professional indemnity cover. It also provides cover for products and public liability - this ... Documents/Data; Defence Costs associated with covered claims. What about Products and Public Liability? As ...

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When it Rains it Pours: Understanding Flood Cover.

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How the cost of Professional Indemnity insurance is calculated

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5 Reasons to love Personal Accident Cover

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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 ... financial protection by covering: Forensic investigation costs to find ... : https://www.ato.gov.au/general/online-services/identity-security/verify-or-report-a-scam/ Australian Cybercrime Online Reporting Network (ACORN) ...

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

Your business property is like your home away from home and is the place where you work your magic. Whether you're in the business of providing expert advice to clients ... own commercial property: Building Cover What is Building Cover? Building Insurance provides ... your premises, it can cover the cost of repairing or rebuilding your ...

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Insurance for Furniture Manufacturers

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Keep calm and stretch on with Yoga Teacher insurance

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5 Tips for an Insurance Health Check

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Small Business Insurance Index

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Dishing up the facts on food business insurance

Flipping burgers, filleting fish, grinding coffee beans - the fast-paced world of the food industry leaves no spare time to be left worrying about whether you have the ... up costing you more than a few boxes of groceries! Public Liability insurance ... for food businesses. Glass – covers the cost of replacing internal and external ...

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7 Types of Insurance Your Small Business Should Consider

If you own a small business, there's no denying one the most important things you need to protect your assets is Small Business Insurance. But what kind of insurance ... should consider Public Liability Insurance - even home-based businesses. It covers you and ... house. Public Liability not only covers the cost of compensation, but your defence costs as ...

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

There are some obvious pros to working as a mobile freelance make-up artist - you have control over the hours you work, you get to work with a wide range of clientele ... by covering your legal defence costs and compensation awarded to the claimant. Public Liability ... have your Professional Liability and Public Liability cover combined through the one insurer ...

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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 ... public). To cover these types of risk consider public liability insurance which will ... will face and the potential costs, you can then determine by ...

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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 ... a public liability risk, for which the Easter Bunny has maximum cover. If ... the deterioration of stock, covering the cost of repairs or replacement, as ...

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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 ... types of cover - Public Liability and Product Liability. Public Liability Public Liability covers you for the costs that ... you are responsible for the costs of repairing or replacing other ...

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

Iced teas, tropical fruits, a cheeky ice cream - those signature flavours of summer are something you would be all too familiar with as a restaurant or caf owner. Summer ... or café business is with Public Liability insurance. It is designed to ... other windows- Glass cover can cover the repair and replacement costs. Business Interruption ...

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Managing Risk for Tradesmen

Running your own trade business or working as a contractor often means you're exposed to greater risk than many other business owners. There's always the potential for ... Public Liability insurance is undoubtedly one of the most important forms of cover ... business activities by covering the cost of legal and defence costs, as well ...

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5 Common Beauty Insurance Claims

As much as we like to hope otherwise, unexpected events happen! Things can go dreadfully wrong despite the best efforts we take to prevent them - and the simplest of ... policy included building and contents cover”, says Sarah. She lodged a ... my landlord to hold a Public Liability policy. I've always enforced strict ...

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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 ... Public Liability, and if you do have it, ensuring you have adequate cover. ... if your current policy will cover that cost. 3. Keeping that extra ...

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Getting the Best Value on Your Business Insurance

The new year is now in full swing, and if you're like some of us in this office, you will probably have resolved to be a bit smarter with your money in 2016 and perhaps ... to reduce cover just to save money (being underinsured could cost you ... who let you compare quotes from multiple insurers online or over the ...

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5 Ways To Prepare Your Business Premises For The Cooler Seasons

As we say goodbye to those sunny summer days and hello to fresh, frosty mornings, the change in seasons is a prime time to make sure your business premises is prepared ... , is a wise investment, covering the costs of repairing or replacing insured ... walking in these areas. Having Public Liability insurance is one of the ...

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Insurance prices remain steady despite market predictions of higher premiums

Whilst the market at large has been talking about hardening rates over the last few months, the latest BizCover Small Business Insurance Index is showing little change ... highly profitable small business sector.” Public Liability and Professional Indemnity prices have ... through in non-compulsory areas of cover like property, which has resulted ...

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10 Tools Every Small Business Should Gift Themselves This Christmas

When you are running a small business you have to be many things at once, an accountant, a marketer, a technician as well as an administrator. Luckily, in today's digital ... the basic package and the cost to license many images is ... multiple quotes from Leading Insurers online in minutes, purchase your policy online and ...

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Small Business Index July 2015

SMEs benefiting from declining insurance rates but is the tide turning? An oversupply of capacity and competition in the insurance market over the last few years has ... , Combined Professional Indemnity & Public Liability and Public Liability /Business Packs. Michael Gottlieb, BizCover ... The Combined Professional Indemnity & Public Liability market, which is largely dominated ...

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

The Quarterly BizCover Small Business Insurance Index has shown that Australian SME's may have enjoyed the end of declining insurance premiums with an increase of 5 points ... professional sector with Public Liability and Business Packs (predominately covering perils and theft ... quotes it is likely they could still save on their insurance costs. ...

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

Whilst the market seems to be hardening for insurance for larger businesses, the latest BizCover Small Business Insurance Price Index is showing no change in pricing ... prices down. Professional Indemnity and Public Liability, including multiple section business packs ... material rises in their insurance cost anytime soon and not before ...

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Insurance Premiums for Retailers Continue to Climb

Insurance Premiums for Retailers Continue to Climb The latest BizCover Small Business Insurance Price Index has been released (Graph 1), and similar to quarter 2 of last ... sector, but the index for Public Liability and Business Packs increased 4 ... a massive 8 points for Public Liability and Business Packs, most other ...

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Small Business Insurance Price Index Q3

Insurers hold on to SME Insurance Premium Price Increases! Despite a drop in some rates, some insurers are holding on to pricing gains made last quarter. The latest Quarterly ... sector, primarily around Public Liability and Business Packs (predominately covering perils and theft ...

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Personal Accident and Illness Insurance for Tradies

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Business Horror Stories

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Comparethemarket.com.au and BizCover Announce White Label Partnership

... Label. BizCover is the leading online provider of small business insurance ... compare and buy their insurance online. Their White Label solution ... Label. BizCover is the leading online provider of small business insurance ... ,000 policies. The online service simplifies comparing and buying cover from leading ...

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How to Kickstart Your Best Year in Business

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Customer Spotlight: Cheaper Buy The Dozen

... wine industry and started the online wine delivery company Cheaper Buy ... one of the top major online wine companies in Australia. "We ... ... wine industry and started the online wine delivery company Cheaper Buy ... wines from across Australia, delivering online orders directly to customers' door. ...

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BizCover SME Insurance Price Index Q2 FY20

More larger businesses with simple insurance needs are using BizCover for their insurance, while smaller businesses benefit from steady prices yet again this quarter ... cost for Portable Equipment and relatively small demand for Business Contents cover ... owner was able to quote and buy online without agent assistance. His ...

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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 ... well-drafted, clear employment agreement will cover things like leave entitlements, intellectual ... matter the extent of your online presence, there are essential legal ...

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Help Protect your small business' reputation

When it comes to running a small business, your brand and its reputation are priceless. No doubt you've spent countless hours establishing your name by building strong ... So along with covering legal and defence costs, claims investigation costs, some civil ... simple things like email, the online sphere is well and truly ...

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Don't be a pork chop - insure your butcher shop

There's a lot at stake.. Think of all the hard work you have put into creating your butcher shop business starting with the early days as an apprentice to building up ... is closed and unattended. Theft Cover provides cover against loss or damage ... by covering you for the loss of income and the increased costs ...

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Toolbox of Tips for Tradies National Health Month

Tradies National Health Month is an important campaign held every August in Australia each year, aiming to raise awareness around the health and safety of tradies. According ... trader or contractor and not covered by Workers Compensation, that's where ... MensLine Australia: a telephone and online counselling service for men with ...

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Digital Marketing Tips for Cabinet Makers

Even the best cabinetmaker needs new business and customers. While several professional woodworkers depend on word of mouth advertising, connecting with future customers ... think - and will not cost a lot of money to ... solid platform to begin their online presence. Google My Business permits ...

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Tips for making a Stress-Free Claim

Making an insurance claim can be stressful - but it doesn't need to be. In the aftermath of a disastrous event, we understand how important it is to get your business ... Product Disclosure Statement (aka PDS) cover to cover daunting, don't worry, you're ... pay rent and the running cost of your business at another ...

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Top trends in the furniture industry

The rise of telecommuting is driving the demand for home office furniture. The need for home offices increased during the financial crisis in 2008-2009 and the European ... buy versatile furniture that could cover up office equipment when not ... But, the competition is rising. Online stores are becoming the fastest-growing ...

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Progressive Distillery in Hobart Tasmania, defeats hundreds of others Small Businesses Nationwide to become the latest winner of BizCover's $2000 grant, BizGiver.

Deviant Distillery, a high tech distillery in Hobart Tasmania, is doing something no one has even though of before. They've developed their own propriety technology that ... BizGiver, run by Australia's first online Small Business Insurance Comparison Site ... effort has been worthwhile.” “The cost of producing labels represents a ...

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Preparing your small business for a Tax Audit

The word on the street is that the ATO are going to be doing random audits of 100's of small businesses. Even if your books are in pristine condition, audits are generally ... about getting a tax audit cover either as part of your ... , it will help cover the professional fees and costs that you occur ...

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Business Basics for Cabinet Makers

With so much competition for cabinet makers out there, how do you stand out from the competition, while serving your current customers, and develop high-quality products ... business protected. Establish a Solid Online Presence You'd be surprised how ... to finish all projects as quoted and estimated, and always with ...

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10 small businesses share what they love about their small business

To celebrate Valentine's Day we went straight to the heart of owners from a variety of industries and asked them what they love most about their small business. From ... , Founder of CPD Box (an online platform assisting CPD educational providers ... calls, check out the latest quotes at bizcover.com.au

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Cyber Liability Insurance: the safety net small businesses need

It may have taken some time for the reality to hit, but the wider public is now starting to realise that hackers aren't just fictional brooding movie villains - they ... small businesses can stay safe online. Three of the most important ... your business by covering the expenses and legal costs that are associated ...

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7 Steps for Your Business to Survive and Thrive

When you first launched your business, you probably thought you'd bought your ticket to a freer and more relaxed lifestyle, right? By now you may have learned that the ... marketing activity and explore no/low cost strategies to publicise your business. ... business advice, such as these online resources, but don't rule out ...

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An effortless guide to becoming a paperless business

It's no secret that businesses are adopting more sustainable solutions to operate their business, especially when it comes to using the wonders of digital technologies ... help cut paper and printing costs, but digital receipts will last ... securely signed for online with an e-signature. This online process helps cut ...

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Time Saving Apps to Take Back Your Time

Time, it's something we could all do with a little bit more of, especially when you run your own business. One of the biggest skills you gain as a small business owner ... more businesses working remotely and online, Dropbox makes sharing documents and ... Jump online or give us a call to receive multiple quotes in ...

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A Close Shave with Underinsurance

Just as your business is growing and changing it's important to make sure that your Insurance grows with your business and you're not left exposed. A large number of ... like any good business owner, covered her business with Business Insurance. ... that she would struggle to cover costs if her business was shut ...

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Why having an office inventory list is essential.

So we know that inventory lists are not the kind of thing that gets business owners excited, that is until something happens and the time comes to claim on your insurance ... , theft or malicious damage, the costs incurred could be significant. Consider ... have the right level of cover for your contents - because ...

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Common Small Business Insurance Claims and How to Prevent them.

If you are a small business owner you know that things don't always go to plan, some things happen which are out of your control and have a big impact on the running ... your machine by using keyboard covers and sleeves, some that can ... business normally. An Interruption can cost a business significantly especially if ...

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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: