Public Liability Insurance QLD
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Here’s the lowdown on QLD public liability insurance*
As a small business owner in Queensland you already have a lot to worry about. From paying your employees, to getting stock delivered on time and generating new business – it’s a never ending list!
The last thing you want to have to worry about it the impact of an unexpected claim to your Queensland business. Whether you’re a hairdresser in Port Douglas, a brickie in Ipswich or a restaurant owner in Noosa, Public Liability is there to help protect your business.
Public Liability insurance is designed to provide protection for you and your business in the event a customer, supplier or a member of the public are injured or sustain property damage as a result of your negligent business activities.
Public Liability insurance also provides cover for the compensation payments to a third party and legal costs associated with the claim (including defence costs). What if a customer was injured after 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.
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What is typically included*?
- personal injury suffered by a third party (e.g. a customer, supplier or member of the public) due to your negligent business activities
- damage to property owned by a third party due to your negligent business activities
- legal and defence costs associated with a covered claim
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
How much do Trades & Service pay for Public Liability Insurance?
The typical amount 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, with each occupation having its own level of risk. This means premiums will vary from business to business.
To provide you with more insight, we have provided analysis of 10 of the most common Trades & Service occupations with our BizCover customers and their individual average monthly premiums below.
How much do Retailers pay for Public Liability Insurance?
The typical amount a small business Retailer can expect to pay for Public Liability insurance in Queensland is around $76.81 per month. There are many business types that are classified as Retailers, from gift stores and florists to cafes or catering services. Each business type has its own level of risk, meaning premiums will vary from retail business to retail business.
To get a better understanding, we have provided analysis of 10 of the most common retail occupations for 2017 within our BizCover database and their individual average monthly premiums below.
How much do Professionals pay for Public Liability Insurance?
The term ‘Professionals’ encompasses a broad range of occupations that usually require specialist training and qualification. From Real Estate Agents and Marketing consultants to IT professionals, and even music teachers. Each profession has its own level of risk, meaning premiums will vary from profession to profession.
To get a better understanding, we have provided analysis of 10 of the most common Professional occupations in Queensland (in 2017) and their individual average monthly premiums below.
Your Cover Options
With BizCover you can choose public liability policies with 3 possible limits of liability $5 million, $10 million or $20 million.
Policies are tailored to the unique needs of individual businesses. One business may require a different amount of cover compared to another.
When deciding on how much cover you should have a think about factors like:
- Do any of your contracts require a minimum level of public liability cover?
- Has your industry body set a minimum level of public liability cover for membership?
- Does your business or trade licence require a minimum amount of public liability cover?
- What kind of accidents could occur due to your business operations and what could be the potential cost of a claim?
Why choose BizCover for your Public Liability insurance in QLD?
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We know insurance and what makes small businesses tick.
We won’t bore you with jargon
We’re not fans of complicated insurance speak, so we talk to you in plain English.
Frequently asked questions
Public Liability insurance is an important form of cover that protects all different types of businesses from tradies to cleaners, accountants and café owners. Each business is unique and has its own exposure to potential risks, so there isn’t a flat price for Public Liability insurance.
The most accurate way to find out how much Public Liability insurance is going to cost your Queensland business is by having a chat to our team at BizCover.
If your business interacts with third-parties like customers, suppliers and members of the public, then you may want to consider Public Liability insurance. It is designed to cover for all kinds of businesses, from the bakers in Mount Isa, to the sparkies in Townsville and Gold Coast beauticians.
Not only does it provide protection against claims for accidental injury or damage to a third-parties property, but depending on your type of business it may be a requirement.