Do I need Public Liability insurance?

... government or 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 ...

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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 ... ... to commercial contracts between consultants and clients requiring these insurances in addition to professional indemnity. The benefit of having professional indemnity, products liability and public liability contained ...

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Business Insurance on the Central Coast

... commercial premises when an insured event occurs (such as fire, storm, theft or even accidental damage). A Business Insurance ... insurance policy. Public Liability insurance is one of the most popular types of insurance ...

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BizInsure Capitalizes on the Paradigm Shift in Commercial Insurance!

... .com), a leading-edge online insurance model that connects independent professionals ... businesses to critical Professional Liability (E&O) insurance ... and independent professionals. Today the company offers competitive Professional Liability (E&O) insurance and plans to roll out more lines of commercial insurance to meet the growing needs of modern business. For ...

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Insurance for Hair & Beauty Services

... Public Liability insurance can provide peace of mind and protection for your business. Business Insurance* Your customers are important, but so is stock, your equipment, salon contents and you're your commercial premises ...

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Insurance for Cleaners

... Public Liability Insurance* Do you need it? The short answer is yes. Thankfully, Public Liability insurance is ... business activities. Whether you clean domestic or commercial properties, there are plenty of things that ...

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Insurance for Car Wash and Auto Detailers

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Insurance for Landscapers

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Insurance for Plumber

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Insurance for Carpenters

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Insurance for Gift Shops

... front windows, glass cover can be an important form of insurance and is often required as part of a commercial lease agreement Insurance for Gift Shops Public Liability Insurance* If you operate through a shop, you want ...

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Insurance for Handymen

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Insurance for Tradesmen

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What are the Insurance Options for Land Surveyors?

... yourself and your company with insurance is a smart investment. Land ... ... several of the insurance options for land surveyors who work in the residential or commercial sectors. We'll ... land surveyor may be held accountable. A Cyber Liability insurance policy is designed to help protect you from ...

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Dishing up the facts on food business insurance

... you have the right business insurance. When it comes to insuring ... ... turn for the worse. Some types of insurance policies might even be compulsory, for example, Public Liability insurance is often required when you take out a commercial lease; while Contents, Glass and Business ...

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Business Insurance in Mackay

... all the while answering my questions thoroughly. Great customer service.” Leonard Z. Commercial Cleaner How much does Public Liability insurance cost? On average, small businesses in Mackay pay around $68.55** per ...

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Insurance for Massage & Alternative Therapies

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Insurance for Psychologists

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Insurance for Consultants

... Insurance is an insurance package designed to provide cover for your business contents, stock, tools and commercial ... if your systems were compromised. A cyber liability insurance policy is designed to help protect you ...

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Insurance for Retailers

... so you can continue getting down to business. Did you Know? Commercial leases often require tenants to maintain Public Liability insurance and Glass insurance. There may also be a requirement that your landlord is noted ...

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Insurance for IT Professionals

... Insurance to provide additional protection: Do you own the office where you work? Does your commercial ... consider if Cyber Liability insurance is right for your business. A cyber liability insurance policy is designed ...

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Insurance for Finance & Mortgage Brokers

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Insurance for Architects

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Insurance for Restaurants

... you are renting your businesses premises, part of your commercial lease may require you to take out glass cover. Insurance for Restaurants Public Liability Insurance* There are many possible accidents that could happen ...

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Insurance for Allied Health Professionals

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Insurance for Pet Professionals

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Insurance for Professionals

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Insurance for Recruitment Consultants

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How much does Business Insurance cost?

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Insurance for Real Estate Agents

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Insurance for Engineers

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Insurance for Accountants

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Business Insurance in Melton

... N. Church Operation How much does Public Liability insurance cost? On average, small businesses in Melton pay $79.55** a month for their business insurance package. Business insurance is one of the most popular types of ...

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Business Insurance in Wollongong

... Insurance is an insurance package designed to provide cover for your business contents, stock, tools and commercial ... :  Given the various industries and occupations Public Liability insurance can cover, the cost of it can ...

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Business Insurance in Launceston

... Insurance is an insurance package designed to provide cover for your business contents, stock, tools and commercial ... Anne G. Bookkeeper How much does Public Liability insurance cost? On average, small businesses in ...

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Insurance for Convenience Stores

... also often required as part of a commercial lease agreement. Insurance for Convenience Stores Public Liability Insurance* Public Liability insurance is an important form of insurance to consider before opening the doors ...

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What is Business Insurance?

... as chairs, desks and computers. Public Liability Insurance which covers your business against the legal ... : An unwanted trade: A tradie working on a commercial building locked up his excavator before leaving the worksite ...

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What does Public Liability insurance cover?

... 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 fixed ...

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Legal Requirement for Public Liability Insurance

Public liability insurance covers your business for losses ... ' activities. Failure in obtaining public liability insurance policy can expose a business ... 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 sized ...

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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 Insurance for Cabinet Makers

... the right kind of business insurances in place. Regardless [] ... ... not only gives you peace of mind knowing that there is protection in place for when disaster strikes, Public Liability insurance may also be a requirement if you are working under a contract or as a condition of entry to ...

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Public Liability Insurance in Adelaide

... in Adelaide pay around $37.50**per month for a Public Liability insurance policy. Public Liability insurance is one of the most popular types of insurance for businesses. In fact, it is likely to be very important ...

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Public Liability Insurance in Perth

... small businesses in Perth pay $33.80**per month for a Public Liability insurance policy. Public Liability insurance is one of the most popular types of insurance for businesses. In fact, it is likely to be very important ...

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Public Liability Insurance in Mandurah

... who was not pushy, but helpful and happy.” Mishelle O. Retail What does Public Liability insurance cover? Public Liability insurance covers claims for personal injury suffered by a third party (such as a customer ...

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How much does Public Liability Insurance Cost?

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

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Public Liability Insurance in Hobart

... businesses in Hobart around $29.30**per month for a Public Liability insurance policy. Public Liability insurance is one of the most popular types of insurance for businesses. In fact, it is likely to be very important ...

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Public Liability Insurance in Darwin

... but also uncomplicated. With appreciation and gratitude.” Kelly K. Homeopath What does Public Liability insurance cover? Public Liability insurance covers claims for personal injury suffered by a third party (such as a ...

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Public Liability Insurance in Brisbane

... and valuable time. Job well done.” Michael R. Engineering Consultant What does Public Liability insurance cover? Public Liability insurance covers claims for personal injury suffered by a third party (such as a customer ...

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Public Liability Insurance in Port Macquarie

... made the whole transaction quick and smooth. ” Mark T., Moulding manufacturer What does Public Liability insurance cover? Public Liability insurance covers claims for personal injury suffered by a third party (such as a ...

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Public Liability Insurance in Rockhampton

... businesses in Rockhampton pay $35.40**per month for a Public Liability insurance policy. Public Liability insurance is one of the most popular types of insurance for businesses. In fact, it is likely to be very important ...

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What is Product Liability Insurance?

... injury or property damage as a result of a product defect can be expensive, and without the right Product Liability insurance you could find yourself in hot water. If you operate as a sole trader, you will potentially be ...

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What is Public Liability Insurance?

... made to her of $75,000 as well as defence costs (to the assessor and lawyer) of $30,000. Without the public liability insurance, the graphic design business would have been liable for over $100,000! *As with any ...

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How much Public Liability insurance do I need?

... associations and professional bodies also require members to obtain and maintain a minimum amount of Public Liability insurance for membership or to meet licensing requirements. It is important that you take the time to ...

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Cyber Liability Insurance

... in 2018it might be time to bite the bullet and get the right cover for your business.i Cyber Liability insurance* is designed to help protect you from claims and support your profitability in the event of a cyber breach ...

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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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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 ... damage to your business by covering the expenses and legal costs that are associated with breaches. Cyber Liability insurance won't prevent an attack, but it will help businesses to manage the event effectively and be ...

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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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Business Insurance Guide for the Self-Employed - Part 4

... piece of our Business Insurance for the self-employed ... Accident and Illness insurance and Cyber Liability insurance. We share the ... is ... This allowed him to recover without worrying about his lost income. Cyber Liability What is Cyber Liability insurance? Cyber Liability insurance* is designed to help protect you from claims and support your profitability ...

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Professional Indemnity Insurance for Consultants

A large number of people that start businesses, in Australia have been experiencing a steady growth in business for the past few years. One area that is growing in magnitude ... example, at some point you may want to add business insurance or public liability insurance for your own protection. When you buy a Professional Indemnity insurance policy, it usually is a good idea to look around until ...

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BizCover SME Insurance Price Index Q1 FY20

... price reductions on their Public Liability insurance, while prices have remained steady ... ... 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 Public ...

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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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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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7 Types of Insurance Your Small Business Should Consider

... is Small Business Insurance. But what kind of insurance do you actually ... ... potentially risk losing not only your business, but your personal assets too. Management Liability Insurance explained. Cyber Liability Insurance If you have a website for your business or you store sensitive customer ...

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Business Insurance Guide for the Self-Employed - Part 1

... are a variety of business insurance [] ... your business, even if it is a home-based operation. Market stall-holders– A minimum level of Public Liability insurance is often required when having a stall at a market. If you are selling products you have made at ...

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Public Liability QLD

... from our customers rated our service at excellent. 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 ...

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Insurance for Furniture Manufacturers

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Insurance for Disability Workers

... advice, relying on you to help them live their best lives. Having Professional Indemnity and Public Liability insurance as a disability support worker is vital important to provide protection for you while you help your ...

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Insurance for Civil Engineers- what you need to know

... about what kinds of business insurance coverage you may need to ... ... on storing sensitive client information and data, then you may want to consider Cyber Liability insurance. A Cyber Liability insurance policy is designed* to help protect you from claims and support your profitability in ...

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Insurance for Painters

... or a customer trips over your scaffolding. These are just two examples of when you would want Public Liability insurance to protect you as a painter. For covered claims, it will meet your legal and defence costs together ...

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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 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 at ...

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Insurance for Yoga Teachers

... * Working closely with your clients can also put you at risk of personal injury claims meaning Public Liability insurance is important for Yoga teachers. It is designed to provide protection for you and your business in ...

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

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

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Protect your business with Statutory Liability Cover

... are many different types of insurance policies available to small businesses ... are unaware that there is insurance designed to protect against ... – not one that many small businesses' want to or can afford to make. This is where Statutory Liability insurance comes into play – designed to help cover the costs and expenses which can be incurred from an official ...

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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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Insurance for martial art teachers

... spend a lot of time with your clients - whether in a dojo or somewhere else. Either way, Public Liability insurance is important for martial arts trainers by providing protection for you and your business in the event a ...

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Insurance for IT Professionals Colour Test 2

... Chances are you spend most of your time visiting your client's onsite. Public Liability insurance will protect you from financial losses arising from a claim of 3rd party accidental damage or injury resulting from ...

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Insurance for IT Professionals Colour Test

... Chances are you spend most of your time visiting your client's onsite. Public Liability insurance will protect you from financial losses arising from a claim of 3rd party accidental damage or injury resulting from ...

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Insurance for Lawn Mowing Services

... you accidentally causing damage to the neighbouring property for a claim to happen. Your Public Liability insurance policy provides financial protection by covering the legal and defence costs, court attendance costs and ...

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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 ... ... 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 job ...

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Insurance for pharmacy and pharmacists

... errors, breaches of privacy and investigations/actions brought by AHPRA and other regulatory bodies. Public Liability insurance* is another type of cover likely to be relevant for pharmacy owners. It is designed ...

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5 Tips for an Insurance Health Check

If your insurance is due for renewal or ... a health check of your insurance to ensure that if the ... ... level of exposure may have increased, so you might want to consider upping the level of your Public Liability insurance. Similarly, take into account any changes in nature to your business. If you have taken on extra ...

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Business Insurance

... 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 get ...

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5 Surprising Things Business Insurance Can Cover

When looking for Business Insurance, most small business owners typically ... things such as their legal liabilities and top of mind assets ... ... And if you store sensitive information about your employees or clients you're an exceptionally prime target. Cyber Liability insurance is a 'must have' policy for all kinds of businesses that have an online presence. And ...

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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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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 ... 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 were ...

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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 ... on a client's carpet causing damage to their property, for a claim to be made. Fear not, Public Liability insurance can help clean up the mess by covering your legal defence costs and compensation awarded to the claimant ...

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Insurance for Cafes

... dining at your café to suppliers delivering stock. The reality is accidents can and do happen. Public Liability insurance is designed to provide protection for you and your business in the event a customer, supplier or ...

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Home Based Business Insurance

... need to have been in place before you contracted the disease.  Employment Practices Liability* Employment Practices Liability (EPL) Insurance is designed to help employers minimise the risk and potential cost of claims ...

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Here’s the lowdown on Public Liability insurance*

As a small business owner you already have lots to worry about. From paying your employees to getting stock delivered on time to generating new work opportunities – the list is endless! But have you taken the time to think about what an accident involving a third party could mean for your business?

As a small business owner, you have a legal responsibility to take reasonable steps for the safety of your customers, suppliers, community and their property. Public Liability Insurance is designed to provide protection for you and your business in the event a customer, supplier or a member of the public are injured or sustain property damage as a result of your negligent business activities.

Public Liability Insurance also provides assistance with the legal costs associated with managing claims that are covered by the policy.

 

Public Liability explained further…

Product Liability explained further…



Independent feedback from our customers rated our service at excellent.

What is typically included?**

Compensation for:

  • personal injury suffered by a third party (e.g. a customer, supplier or member of the public)
  • damage to property owned by a third party due to your negligent business activities
  • legal and defence costs associated with a covered claim
**Many public liability policies also provide cover for product liability.

 

What is typically not covered?* 

  • Injuries to your employees
  • Damage to your own property
  • Costs of rectifying faulty workmanship
  • Professional negligence
  • Contractual liability
  • Events occurring before or after the policy period

 

Download Public Liability Fact Sheet

Your Cover Options 

With BizCover you can choose from 3 limits of liability (levels of cover): $5million, $10 million or $20 million.

Policies are tailored to the unique needs of individual businesses. One business may require a different amount of cover compared to another.

When deciding on how much cover you should have a think about factors like:

*As with any insurance, cover will be subject to the terms, conditions and exclusions contained in the policy wording. The information contained on this web page is general only and should not be relied upon as advice.