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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Public Liability Insurance for Cabinet Makers

... the right kind of business insurances in place. Regardless [] ... ... insurances in place. Regardless if you are self-employed, a sole trader or a contractor, there are business insurance ... . If so, make sure you have your Public Liability insurance policy sorted before you pick up the tools ...

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Business Insurance Guide for the Self-Employed - Part 1

... are a variety of business insurance [] ... the policy period Why do self-employed workers need to consider Public Liability insurance? Here are a few examples of when a self-employed worker may require Public Liability insurance. Home-based office–The risk ...

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Insurance for Cleaners

... ! Did you know If you operate as a sole-trader you may be personally responsible, both legally and financially ... Public Liability Insurance* Do you need it? The short answer is yes. Thankfully, Public Liability insurance ...

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Insurance for Cabinet Makers- What You Need to Know

When it comes to building and creating quality pieces of craftsmanship, cabinet makers know a thing or two. This highly skilled trade involves having an eye for detail ... also be a legal requirement to have Public Liability insurance in place before you undertake a contract ... would you bring home the bacon, especially if you are self-employed? With no paid sick days, the struggle of being ...

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Insurance for Consultants

... re a consultant working as a sole-trader you are personally responsible, both ... Public Liability Insurance* Public Liability insurance is a no brainer for all types of consultancy services. Public Liability insurance ...

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Business Insurance Guide for the Self-Employed - Part 3

... in the world of business insurance, it can feel like you ... on all things Business Insurance for the self-employed. In Part 3 of ... back ... . To make life easier, we've done the translating for you and created a simple, comprehensive guide on all things Business Insurance for the self-employed. In Part 3 of our guide, we go back to basics with Business ...

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Business Insurance Guide for the Self-Employed - Part 4

... Business Insurance for the self-employed guide, ... we take a look at Personal Accident and Illness insurance ... and Cyber Liability ... guide, we take a look at Personal Accident and Illness insurance and Cyber Liability insurance. We share the ins and outs of why self-employed workers need to consider these forms of cover. What is Personal Accident ...

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Business Insurance Guide for the Self-Employed - Part 2

Navigating the world of business insurance can be confusing which is ... a guide to business insurance for the self-employed that profiles the ... We've created a guide to business insurance for the self-employed that profiles the main types of ... liabilities   Your professional fees   Known claims and circumstances  Fraud and dishonesty  Why do self-employed ...

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Insurance for Sole Traders and Self Emplyed

... of the key types of cover most sole traders and those who are self employed need to consider is Public Liability insurance. Public Liability insurance* is designed to provide protection for you and your business in the ...

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Home Based Business Insurance

... Insurance for Home Based Businesses Public Liability* One of the basic insurances to consider is Public Liability insurance. Public Liability insurance ... & Illness* When you're self-employed, you need to make sure you ...

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Insurance for Cabinet Makers

... Liability insurance in place before you undertake a contract or step on site. Personal Accident & Illness insurance* Nobody really has the time to get sick or injure themselves, especially when you're self-employed ...

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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 ... 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 the day with the classic one-hit-wonder My Sharona by ...

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What is a Cabinet Maker?

Cabinet makers are woodworkers that specialize in designing and making built-in or customized cabinets. They also design and manufacture fine wood furniture that accompanies ... or commercial facilities. If they opt for becoming self-employed, they can work out of their garage, or ... lit, and ventilated for health and safety concerns. Insurance for cabinet makers is also available. What is ...

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Personal Accident and Illness Insurance for Tradies

Does the thought of being off work for three months due to a major mishap with a nail gun horrify you? As far-fetched some accident stories may sound, the reality is ... of these resulting in death from traumatic injury. If you are a self-employed small business owner or a contractor, Personal Accident and Illness insurance is an important type of cover to consider especially if you are ...

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Insurance Considerations for Personal Trainers

... for yourself. If you are self-employed you also need to consider ... ... you to work for yourself. If you are self-employed you also need to consider how to protect yourself ... providing your training services. Find Out More About Public Liability Insurance As a personal trainer you'll also be ...

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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 ... them self by tripping or falling over a piece of your equipment, or you accidentally spill bronzer on a client's carpet causing damage to their property, for a claim to be made. Fear not, Public Liability insurance can ...

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The Art of Being a Creative Small Business

Whether you're running your own business as a small team or flying solo in the freelance world, one thing is for sure, the creative arts industry is anything but boring ... a good idea a crack, which I love”. For self-employed stills photographer Monica Pronk she finds the 'ebb and flow ... a requirement to hold Public Liability insurance before you can perform in public spaces. For those that ...

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Big Bunny Business: An Interview with the Easter Bunny

... tail, we asked him what insurances he has in place to ... ... leg, it's not a yoking matter! Public Liability Insurance also extends to protect me from property damage, ... up plan is my Personal Accident and Illness insurance. Being self-employed means, I cannot afford not to have an ...

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How much does Business Insurance cost?

... sole-trader business operating within the professional services industry. One of the most common questions asked by business owners is: “How much does Business Insurance ... to see that Public Liability insurance is the most ...

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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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How much does Public Liability Insurance Cost?

... for Public Liability insurance. Public Liability insurance is one of the most popular types of insurance for ... 000 businesses across many occupations, each of which employed 10 people or less) during Financial Year 2018 ...

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Public Liability Insurance in Rockhampton

... followed by Education and Training, an industry that employs 9.8% of the working population. The ... ., Mining Engineer What does Public Liability insurance cover? Public Liability insurance covers claims for personal injury ...

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Public Liability Insurance in Mandurah

... employing industry is health Care and Social Assistance, employing 11.8% of the working population and retail Trade, employing ... Retail What does Public Liability insurance cover? Public Liability insurance covers claims ...

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Public Liability Insurance in Port Macquarie

... employing industry is Retail Trade, employing 11.6% of the working population, followed by Construction which employs ... manufacturer What does Public Liability insurance cover? Public Liability insurance covers claims for ...

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Public Liability Insurance in Perth

... Healthcare and Social Assistance, an industry that employs 10.4% of the working population. The ... for a Public Liability insurance policy. Public Liability insurance is one of the most popular types of insurance for ...

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Public Liability Insurance in Hobart

... 17-18. The main employing industry is Healthcare and Social Assistance, employing 16.1% of the ... for a Public Liability insurance policy. Public Liability insurance is one of the most popular types of insurance for ...

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Public Liability Insurance in Darwin

... 17-18. The main employing industry is Public Administration and Safety, employing 18.3% of the population ... K. Homeopath What does Public Liability insurance cover? Public Liability insurance covers claims for personal ...

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Public Liability Insurance in Brisbane

... . The main employing industry in Brisbane is Healthcare and Social Assistance, employing 12.9% of ... Engineering Consultant What does Public Liability insurance cover? Public Liability insurance covers claims for personal ...

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Public Liability Insurance in Adelaide

... 18. The main employing industry is Healthcare and Social Assistance, employing 14.9% of ... for a Public Liability insurance policy. Public Liability insurance is one of the most popular types of insurance for businesses. ...

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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 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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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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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 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 ... story might have been avoided altogether in just a few minutes online. What Janine needed was public liability insurance or insurance that protects you and your business from being found liable to a third party for loss ...

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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 NSW

... ! The last thing you want to think about is paying for unexpected accidents – 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 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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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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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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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 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 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 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 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 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 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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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 ... ... visit them? The people you rely on: do you employ any staff, or rely on contractors or suppliers? The ... key areas of cover available to businesses. Public Liability insurance covers against the legal costs for claims ...

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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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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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Insurance for Restaurants & Cafes

... BizCover, you'll get multiple competitive quotes from leading insurers within minutes. Did you Know? Public Liability Insurance: The average level of cover our customers take for their restaurant and cafe business is 10 ...

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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 Architects

... the doors have closed. Public Liability Insurance* Do you need Public Liability insurance? The short answer is ... construction of the self-storage facility, it was discovered that only 198 self-storage units would be ...

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Insurance for Cafes

... can and do happen. Public Liability insurance is designed to provide protection ... Liability* When your business starts to grow, you employ more staff, introducing a new range of risks. Management Liability insurance ...

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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 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 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 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 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 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 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 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 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 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 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 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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Why do Handymen need it?

You fix your client’s DIY problems; we’ll help your liability problems with business insurance. At BizCover, a few clicks or one call can solve all. You’ll get multiple competitive quotes from leading insurers, then all you need to do is select your preferred policy and you’ll be covered as quick as a flash.

Did you Know?

If you operate as a sole-trader you are personally responsible, both legally and financially, for your business. In other words, you may have a personal liability which can affect your personal assets if things go wrong.

Handyman Insurance

Public Liability Insurance*

Small jobs can have big consequences if it doesn’t go to plan! If you accidentally cause an injury to a customer or damage their property, you might be faced with a public liability claim which can end up costing thousands of dollars. Somebody trips over your toolbox and breaks 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 public or a supplier claims against you for injury or damage to their property as a result of your alleged negligent business activities.

Tip: Electrical and plumbing work can only be undertaken by tradespeople who hold the relevant qualifications. If you are qualified and licensed and intend to do this work as part of your handyman service, in taking out your business insurance you must select your occupation as either Electrical or Plumbing Services and advise that you undertake more extensive handyman services.

Business Insurance*

Chances are you rely on your own tools and equipment to run your business, but how would you cope if they were damaged or stolen? The good news is you can protect them with General Property cover. It covers your essential gear against theft or damage anywhere in Australia, on or off the job.

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.  In addition, cover is available for public liability, tax audit, employment practices and statutory liability risks.

Personal Accident and Illness insurance*

You rely on your physical ability to get the work done – but have you stopped to think about how you would keep on paying the bills if you were to injure yourself or fall ill and had to take time off work to recover? Accidents can happen anywhere, anytime. They can happen at work or even when you’re out and about in your spare time.

Personal Accident and Illness Insurance can provide different levels of cover for loss of income, permanent disablement and even death if you are unable to work as a result of an injury or illness (even if it occurs outside your work). You can keep paying the bills and putting food on the table without having to worry.

*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.

Claim example

A handyman was hired to remove some tiles from a bathroom in an apartment when he accidentally penetrated the wall with the jackhammer bit, damaging a water pipe, which resulted in a significant amount of water being discharged.

The handyman had to break into the service room to gain access in order to shut off the water, but by the time he was able to do this the water had leaked into the apartment below causing damage to the ceiling and contents that were stored in a cupboard.

Fortunately, the handyman’s Public Liability policy responded and covered the cost of the damage, which included repairs to the water pipe, ceiling and service room door, and compensation for the damaged items that were stored in the cupboard. The total claim came to an amount of $8,614.