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Small Business Insurance Price Index Q3

Insurers hold on to SME Insurance Premium Price Increases! Despite a ... latest Quarterly BizCover Small Business Insurance Price Index has shown insurance ... latest Quarterly BizCover Small Business Insurance Price Index has shown insurance rates dropping back ... non professional sector, primarily around Public Liability and Business Packs (predominately covering perils ...

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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 ... enjoyed the end of declining insurance premiums with an increase of The Quarterly BizCover Small Business Insurance Index has shown that Australian ... the non professional sector with Public Liability and Business Packs (predominately covering perils ...

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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 ... your assets is Small Business Insurance. But what kind of insurance do you actually ... put a small business out of business! Public Liability Insurance explained. Professional Indemnity Insurance If your business or ...

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Things you didn't know about small business insurance

Getting the insurance sorted for your small business can be pretty straightforward, jump ... quotes and buy the insurance that suits your business ... you may not know about small business insurance - which may help you ... put this in perspective, a public liability policy for an SME working ...

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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 ... your business and your bottom line. Whilst you've got the insurance to ... ... of the most common BizCover Business Insurance customer claims, and tips on ... Theft is unfortunately common for small businesses, especially for shop fronts with ...

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5 Surprising Things Business Insurance Can Cover

When looking for Business Insurance, most small business owners typically worry about covering ... for most risks that a small business faces? When looking for Business Insurance, most small business owners typically worry about covering ... to ensure you have your Public Liability cover in case a customer ...

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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 ... online Small Business Insurance Comparison Site, is a $2000 Small Business Grant that awards a Small Business ... these individual and very unique businesses like Deviant Distillery be successful ...

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5 Tips for getting the best Public Liability insurance for your business

... you're a sole trader or small business owner, there's no doubt you're ... of protecting your business and your customers with Public Liability ... you're a sole trader or small business owner, there's no doubt you're ... of protecting your business and your customers with Public Liability insurance. It offers protection ...

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The Risky Business of Insurance

... Real Costs to Australian Small Business? Small business owners tend to be ... and future planning. Managing business risk and ensuring that ... a ... the Real Costs to Australian Small Business? Small business owners tend to be juggling ... 'nice to have' insurance. Examples of “must have” insurance: Public Liability– protects against legal ...

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Legal Requirement for Public Liability Insurance

Public liability insurance covers your business for losses or damage ... result of your business' activities. Failure in obtaining public liability ... Public Liability Insurance Although public liability insurance is not a statutory requirement, most small to medium sized businesses ...

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Dishing up the facts on food business insurance

... the right business insurance. When it comes to insuring your small food business, sometimes ... ... your overall business insurance plan. What types of insurance should food businesses consider? Public Liability Insurance Dishing ... that go into making a small business dream a reality, making it ...

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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 to ... up a new business or have been in business for a while ... and looking to buy insurance ... areas of cover available to businesses. Public Liability insurance covers against the legal costs ... Protection extension when taking out Public Liability insurance which covers defects in the ...

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Help Protect your small business' reputation

... it comes to running a small business, your brand and its reputation ... take just one small mistake to destroy your business in minutes. As ... to consider: Professional Indemnity Insurance If your business provides a professional service ... have devastating effects on a small business. Some of the examples that ...

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A $2,000 Wish for Your Small Business

... any small business owner about the most difficult aspect of running a business ... venturing down the path of business ownership is trying ... insurance service for small businesses, knows all too well the lengths that a small business ... , they've been granting wishes of small businesses around Australia since 2014 with ...

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Is your Small Business Summer Proof?

... of challenges and risks every small business should be aware of. Complete ... ... of challenges and risks every small business should be aware of. Complete ... you get your Business Insurance you also cover for Business Interruption which can ...

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Small Business Continues to Win on Insurance Prices!

... pressure, prices remain flat for small business. Recent financial results from the ... price increase; however the BizCover Small Business Insurance ... price increase; however the BizCover Small Business Insurance Price Index for the first ... ). A win for small businesses! Prices across all insurance classes were stable across ...

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10 small businesses share what they love about their small business

... they love most about their small business. From the challenges to the ... Encore Admin Consulting (virtual assistant business) For Korryn, it is ... for multiple industries and fellow small business owners. It requires me to ... small business, and if you're looking to fall in love with a business insurance ...

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5 Money Saving tips for Small Business

Most small business owners are conscious of their ... out or have been in business a while, you'll want to ... make the most of your business ... . Smart Website Design For most small businesses having a web presence is ... card, bank account or insurance for their business. It may be that ...

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Preparing your small business for a Tax Audit

... random audits of 100's of small businesses. Even if your books are ... that any audit of your business is as painless as possible. ... ... either as part of your business insurance or as a standalone policy. ... process. The cost for a small business audit can sit anywhere between ...

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5 Legal Essentials for your Small Business

... in the community and growing small businesses. You may be just starting ... ... essential legal needs of every small business owner. These will protect your ... really matters – growing your business! 1.Know your Business Structure Whether you operate ...

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Public Liability Insurance

Here's the lowdown on public liability insurance As a small business owner you already have a ... and defence costs Public Liability Insurance protects you and your business against the legal ...

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Small Business Index July 2015

SMEs benefiting from declining insurance rates but is the tide ... capacity and competition in the insurance market over the last few ... down the price ... , Combined Professional Indemnity & Public Liability and Public Liability /Business Packs. Michael Gottlieb, BizCover ... with capital chasing returns in insurance.” The Professional Indemnity rates reduced ...

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The Easter Bunny's Guide to Business Insurance

... denying that Easter is big business. In the Easter game, the ... ... , it could also represent a public liability risk, for which the Easter ... in stop working? Within a Business Insurance pack the Easter Bunny would ...

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6 Areas You May Not Have Thought Business Insurance Covers

... it's vital to protect your business assets and revenue against potential ... risks that may impact your business, such as fire, storms, theft .. ... other cover options offered through Business Insurance if you make a claim ... essential covers such as Public Liability and Professional Indemnity insurance to ensure you ...

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Small Business Resolutions for 2017

... both your personal life and business life and set some goals ... long way to focusing your business in the right direction. And ... ... recently asked a number of Small Business owners about their 2017 resolutions. ... professional.” 3. Cost cutting “My small business resolution; set new goals and ...

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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 ... accountant! Interest payments charged on business or investment loans are tax-deductible ... themselves, but the primary insurances - public liability and professional indemnity - are ...

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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 ... needed was public liability insurance or insurance that protects you and your business from being ... The traditional experience of buying small business insurance is - thankfully – long gone ...

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What is Public Liability Insurance

... , loss or damage to property. Small business owners have a responsibility to ... are doing business with another business, make sure they have public liability insurance too so ...

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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 ... the best value on your business insurance. Cover yourself up! Check your ... having enough insurance could mean the difference between staying in business or ...

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Insurance Premiums for Retailers Continue to Climb

... to Climb The latest BizCover Small Business Insurance Price Index has been released ... is showing an increase in small business insurance rates ... to Climb The latest BizCover Small Business Insurance Price Index has been released ... a massive 8 points for Public Liability and Business Packs, most other industries ...

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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 ... where Personal Accident and Illness Insurance comes in to play. Designed ... self-employed small business owner or a contractor, Personal Accident and Illness insurance is ...

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Gold Coast Mobile Juice Business Gets a Boost

... Winner of Bizcover.com.au $60,000 'Small Business Buddy Program' Queensland, October 13 ... the newest recipient of a small business wish - a new ... way micro, small and medium sized businesses buy Professional Indemnity, Public Liability, Business Insurance, Management Liability ...

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

... journey to becoming a successful small business owner is one of twists ... to help you stay in business for the long run. Strap ... ... We know that running a small business can be isolating, particularly if ... of the ways business insurance can help keep your business alive: Public Liability is an ...

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Keep calm and stretch on with Yoga Teacher insurance

... of arranging your yoga teacher insurance go. As a yogi or ... to protect your business. Let us centre your insurance chakra by exploring ... claims and circumstances Property damage Public Liability insurance When you work closely with ... Cover as part of a Business Insurance pack to protect your valuable ...

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Mum's the Word: Wise Words of Advice From Business Savvy Mums

... of the pearls of wisdom small business owners have been given by ... for life and business. Linda Reed-Enever, Co-Founder of Business, Business ... waste and recycling services to small businesses such as cafes, owner of ... sure you have the right business insurances to protect it. We can ...

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How the cost of Professional Indemnity insurance is calculated

... of a Professional Indemnity (PI) insurance policy is calculated and why ... the cost of Professional Indemnity insurance. Insurance policy pricing ... the cost of Professional Indemnity insurance. Insurance policy pricing is generally calculated ... The size of your business As your business grows, so can things ...

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5 Tips for an Insurance Health Check

If your insurance is due for renewal or ... a general review of your business, it's worth taking time to ... your insurance to ensure that if ... some common types of insurance available for small businesses and the risk areas ... Public Liability insurance. Similarly, take into account any changes in nature to your business. ...

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5 Common Beauty Insurance Claims

... a devastating effect on your business. We take a look at ... ... much having good business insurance coverage can save a small business in these kinds ... my landlord to hold a Public Liability policy. I've always enforced strict ...

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

... worked hard to get your business where it is, so why ... by not having the right insurance in place? Read on to ... ... a liability Like most trades, Public Liability insurance is one of the important ... Australia. Safety first Insuring your business is a smart safeguard you ...

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Insurance Considerations for Personal Trainers

... to protect yourself and your business from the […] ... to protect yourself and your business from the different risks that ... these types of risk consider public liability insurance which will provide financial protection ...

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New Year Insurance Health Check!

... also a great time for business owners to take stock of ... bit of planning for the business year ahead, including the goals ... ... consider increasing the level of public liability insurance that you hold. Are there ... not standard. For example most Business Insurance policies do not include cover ...

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5 Ways To Prepare Your Business Premises For The Cooler Seasons

... time to make sure your business premises is prepared for the ... tips can help make your business safer for the cooler seasons. ... ... Having Public Liability insurance is one of the vital safeguards for your business, protecting ... all things insurance to get your business covered with the right insurance policies.

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How to Kickstart Your Best Year in Business

... great time to get your business ready for a successful year. ... ... to start? Download our Business Insurance Checklist for Small Businesses here, or assistance from ... sorting out your business insurance. A few small changes to your small business can have ...

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Business Horror Stories

Running a business can be a wonderful rewarding ... think. 1 in 5 Australian businesses are the victims of a ... ... a small business, even shutting them down for good. A management liability insurance ... of their policy covered them. Business Insurance cover options such as Management ...

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BizCover Customers' Top Tips To Grow A Business

... the plunge and start a business? Also, and perhaps most importantly ... in order to grow your business once you've taken that plunge ... ... of the person behind the small business they are supporting.” One Management ... , it still doesn't quell typical small business fears of taxes stunting their ...

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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 ... claims and circumstances Property damage Public Liability Insurance Working closely with your clients ... claimant. Public Liability insurance also extends to Product Liability cover which protects your business ...

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Product Liability Insurance

... Product Liability Insurance? Product Liability insurance usually forms part of a Public Liability policy. ... making a claim against your business for personal injury or property ...

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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 ... arising from your previous work. Public Liability Insurance If you're dealing with clients ... damaged, destroyed or even stolen? Business Insurance provides tailored protection for your ...

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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 ... wide range of potential risks. Insurance for market stall holders is ... types of cover - Public Liability and Product Liability. Public Liability Public Liability covers you for ...

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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 ... first few years. If your business is failing to thrive quite ... When you first launched your business, you probably thought you'd bought ... referral incentives for recommending your business to new customers. Running a ...

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

... be hardening for insurance for larger businesses, the latest BizCover Small Business Insurance Price Index ... ... be hardening for insurance for larger businesses, the latest BizCover Small Business Insurance Price Index ... down. Professional Indemnity and Public Liability, including multiple section business packs, remained consistent ...

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BizCover partners with Energy Retailer CovaU

Online small business insurance provider BizCover has announced a ... for CovaU to offer insurance to its business customer base. The BizCover ... of purchasing business insurance, and often delivering substantial savings to small businesses. “We're thrilled ... industry, making online business insurance even more accessible for small businesses across Australia” said ...

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BizCover wins dual accolades over two big nights

... better customer experience in the Small Business Insurance space. On Tuesday night, BizCover ... honoured to win the Small Business Award for Small Business Insurance space. On Tuesday night, BizCover ... Awards. The award recognised the “Small Business Insurance Made Even Easier” campaign for ...

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The Remaining Risk: What Isn't Covered and Why it Matters

... the most common issues with Business Insurance is that policy owners often ... ... type of your insurance. Read the below carefully: Public Liability – This protects against ... of client information. Note that Business Insurance includes a whole bunch of ...

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Comparethemarket.com.au and BizCover Announce White Label Partnership

... have joined forces, offering small business customers an opportunity to compare ... of small business insurance, having helped over 90,000 Australian ... provider of small business insurance, having helped over 90,000 Australian small businesses compare and ... buy their insurance online. Their White ...

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Pet Stays, becomes the 32nd BizGiver winner

... 32nd Winner of BizCover Insurance's BizGiver $2000 Small Business Grant, winning an SEO ... ... 32nd Winner of BizCover Insurance's BizGiver $2000 Small Business Grant, winning an SEO ... to the small business community, who have embraced our online insurance services over ...

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BizGiver finds it's latest winner in Wild Forage

... is crowned; Wild Forage, a small business supplying seasonal wild edible plants ... portable fridge, critical to their business. Wild Forage is bringing ... is crowned; Wild Forage, a small business supplying seasonal wild edible plants ... to the small business community, who have embraced our online insurance services over ...

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A Close Shave with Underinsurance

Just as your business is growing and changing it' ... make sure that your Insurance grows with your business and you're not ... exposed. A large ... exposed. A large number of small businesses in Australia are underinsured and ... like any good business owner, covered her business with Business Insurance. For the next ...

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PI Index: Premiums Decline 10 Straight Quarters

Business Insurance Premiums Decline 10 Straight Quarters, ... healthy competition in the business insurance market. The BizCover Small Business Insurance ... healthy competition in the business insurance market. The BizCover Small Business Insurance Index has shown ... , the cost of Professional indemnity insurance for some Allied Health professionals ...

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Comparing Portable Equipment & Electronic Equipment Cover

Business insurance isn't always straightforward, and sometimes ... the nitty-gritty to understand what insurance is being offered and which ... is especially ... is especially the case with Business Insurance options like Portable Equipment and ... replacement if something goes wrong. Small things often come with expensive ...

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Scooter & Jinx wins BizGiver Grant

... AND WINS THE BIZGIVER $2000 SMALL BUSINESS GRANT. Tucked away in Little ... ... ” explains Chris, “The support for small business in Melbourne and surrounds is ... $2000 small business grant that realises the wish of the winning small business every ...

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44 Ways Apps Can Increase Your Productivity

For small business people time is money. Here' ... manage your workload. Entrepreneurs and small business owners must find ways to ... tools that every ... manage your workload. Entrepreneurs and small business owners must find ways to ... tools that every entrepreneur and small business owner should consider to manage ...

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When it Rains it Pours: Understanding Flood Cover.

When it comes to Business Insurance, understanding what's included and excluded ... ... building, contents and/or stock a Business Insurance policy usually comes with some ... included as part of a business insurance policy but may be added ...

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Preparing your store for the holiday season ahead

... an important time for retail businesses. It can provide a much ... to protect your customers, your business, and your assets. Take safety ... ... your Public Liability insurance policy has adequate cover to protect you and your business ... hackers constantly looking to exploit small businesses there's a number of steps ...

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Who is Covered Under an IT Liability Policy?

Information Technology Insurance Professionals in the information technology ... they can get on with business. The problem is good advice ... ... policies combine Professional Indemnity (PI), Public Liability and Products Liability to cover ... consultants and clients requiring these insurances in addition to professional indemnity. ...

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Managing Risk for Tradesmen

Running your own trade business or working as a contractor ... greater risk than many other business owners. There's always the potential ... ... is having the right business insurance. Protect your livelihood Public Liability insurance is undoubtedly one ... having the right insurance is one of the best business decisions you ...

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Tips for making a Stress-Free Claim

Making an insurance claim can be stressful - but ... it is to get your business back up and running as ... ... Measure the Impact Something that small business owners often forget, is how ... another location? This is where Business Interruption insurance comes in handy, providing ...

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

... into creating your butcher shop business starting with the early days ... ... unable to open for business. Thankfully, under a Business Insurance pack there is ... cover is available under a Business Insurance pack and provides cover for ...

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Customer Spotlight: Cazeil Creative

... Cazeil Creative, a versatile photography business from the Blue Mountains. The ... ... Cazeil Creative, a versatile photography business from the Blue Mountains. The ... my own and create a small business in the field of my ...

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Customer Spotlight: Being Brands

For this week's Customer Spotlight we look at creative brand agency, Being Brands. Being Brands is a creative agency located just outside of the Sydney CBD in Hunter ... was able to grow her small business to be a successful agency ... , that makes their insurance a must. “As a business, we are involved ...

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We Bar None wins the 36th BizGiver Grant

The latest winner of the BizGiver grant is Ellen Burns, owner of We Bar None. Based in Ballarat, We Bar None promotes better living with its wide array of health-conscious ... that come with being a small business owner, Ellen says she wouldn't ... in the world. “Being a small business owner is incredibly hard and ...

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Sto Lat Restaurant & Café wins the BizGiver grant

Conveniently located in Ashfield, the heart of the Inner West, is the latest recipient of the BizGiver grant, the Sto Lat Restaurant and Caf! The restaurant specialises ... reduce their environmental impact and business expenses. They wished for new ... article being published. Own a small business? BizGiver grants the wish of ...

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Professional Indemnity Claims: when should I notify my insurer?

Your Professional Indemnity (PI) insurance is no doubt one of ... covers you have for your business. If things don't quite go ... action taken against ... action taken against your business. Like all insurance policies, there are several ... disputes yourself, no matter how small the problem is, as you ...

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Taking the W: The Art of Celebrating a Win

In the insurance world, we focus on loss ... level of protection we give small enterprises when bad things happen. ... ... level of protection we give small enterprises when bad things happen. ... see insurance as a hugely positive part of your business plan. But ...

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Why having an office inventory list is essential.

... kind of thing that gets business owners excited, that is until ... comes to claim on your insurance. When you're filling out your ... like, but ... kind of thing that gets business owners excited, that is until ... comes to claim on your insurance. When you're filling out your ...

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Get the cover that's right for your business

With BizCover you can choose policies from 3 levels of cover, $5 million, $10 million and $20 million.

Policies are usually tailored to individual businesses. Each business will require a different amount of cover and when deciding on how much cover you should have you should think about the following factors:

  • Do any of your contracts require a minimum level of cover?
  • Has your industry body set a minimum level of cover for membership?
  • Does your business or trade license require a minimum amount of cover?
  • Do the terms of your lease require a minimum level of cover?
  • Finally think about what your level of risk and exposure could be. What kind of accidents could occur and what could be the potential cost of a claim?