Who is Covered Under an IT Liability Policy?

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Dishing up the facts on food business insurance

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

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Managing Risk for Tradesmen

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Legal Requirement for Public Liability Insurance

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Public Liability Insurance in Perth

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Public Liability Insurance in Rockhampton

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Public Liability Insurance in Mandurah

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Public Liability Insurance in Hobart

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Public Liability Insurance in Darwin

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Public Liability Insurance in Brisbane

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Public Liability Insurance in Adelaide

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Public Liability Insurance in Port Macquarie

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Public Liability Insurance

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7 Types of Insurance Your Small Business Should Consider

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Insurance for Furniture Manufacturers

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Keep calm and stretch on with Yoga Teacher insurance

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BizCover SME Insurance Price Index Q1 FY20

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5 Surprising Things Business Insurance Can Cover

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Small Business Insurance Index

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

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What is Product Liability Insurance?

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What is Public Liability Insurance?

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Public Liability

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Insurance for architects- the blueprint to success

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Cyber Liability Insurance: the safety net small businesses need

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Insurance Considerations for Personal Trainers

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5 insurances every convenience store owner needs to know about

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5 Tips for an Insurance Health Check

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Insurance Premiums for Retailers Continue to Climb

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Things you didn't know about small business insurance

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Small Business Insurance Price Index Q3

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BizCover SME Insurance Price Index Q2 FY20

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How the cost of Professional Indemnity insurance is calculated

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Small Business Continues to Win on Insurance Prices!

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Do I need insurance for my market stall?

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The Easter Bunny's Guide to Business Insurance

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The Risky Business of Insurance

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6 Areas You May Not Have Thought Business Insurance Covers

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5 Common Beauty Insurance Claims

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Personal Accident and Illness Insurance for Tradies

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Getting the Best Value on Your Business Insurance

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5 Reasons To Review Your Business Insurance This Christmas

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

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Help Protect your small business' reputation

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The Risks of Growing Your Small Business

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

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Preparing your store for the holiday season ahead

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Business Horror Stories

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How to hire quality tradesmen for your small business with Oneflare

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5 Ways To Prepare Your Business Premises For The Cooler Seasons

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The Art of Being a Creative Small Business

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What is a Cabinet Maker?

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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 ... down the price of professional/business insurance for Australian SMEs. Since the ... Professional Indemnity & Public Liability and Public Liability /Business Packs. Michael Gottlieb, ...

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Comparing Portable Equipment & Electronic Equipment Cover

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Professional Indemnity Claims: when should I notify my insurer?

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PI Index: Premiums Decline 10 Straight Quarters

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Professional Indemnity for Real Estate Agents

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Tips for making a Stress-Free Claim

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BizCover wins dual accolades over two big nights

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A Close Shave with Underinsurance

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5 Reasons to love Personal Accident Cover

Personal Accident and Illness Insurance (IPA Cover)offers financial protection when ... ... Health Checks Unlike some other insurance policies, a personal accident policy ... lower premiums than similar life insurance or Total & Permanent Disability ...

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

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

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Cabinet Makers: How to get noticed and increase your customer base

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Marketing Basics for Cabinet Manufacturers

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Digital Marketing Tips for Cabinet Makers

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Challenges of the Furniture Manufacturing Industry

Modern furniture design Furniture design isn't exactly easy. Furniture designing is an artistic niche that caters to both the functionality, as well as the visual appeal ... more than just decor. Designing commercial office furniture is not something ... also important to choose suitable insurance coverage to give you peace ...

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100,000th Customer Spotlight - MB's Lawnmowing

BizCover is proud to announce that we now have over 100,000 small businesses insured through our service. Since our start in 2008, we have experienced exponential growth ... business, servicing both residential and commercial clients.” What inspired you to ... attracted you to purchasing your insurance through BizCover? “To be honest, ...

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

There's a lot at stake.. Think of all the hard work you have put into creating your butcher shop business starting with the early days as an apprentice to building up ... clause can vary from one insurance policy to another. Unforeseeable Interruptions ... business. Thankfully, under a Business Insurance pack there is an option ...

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Is your Small Business Summer Proof?

Summer in Australia is a great time of year. There's a lot to enjoy, including plenty of public holidays, long days and great weather. But along with these great perks ... when you get your Business Insurance you also cover for Business ... Glass Cover, under a Business Insurance Pack will cover your for ...

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How to Kickstart Your Best Year in Business

In the blink of an eye, another new year is here, and it is a great time to get your business ready for a successful year. Taking the time to review some of your existing ... from unexpected risks. Reviewing your insurance is an opportunity to make ... to start? Download our Business Insurance Checklist for Small Businesses here, ...

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5 Legal Essentials for your Small Business

By Bianca Reynolds Bianca is a lawyer at LegalVision. Throughout her studies, she gained experience in a variety of areas of law including family, commercial, and personal ... resolution procedures; and Limitations of liability and disclaimers. If you provide ...

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Business Basics for Cabinet Makers

With so much competition for cabinet makers out there, how do you stand out from the competition, while serving your current customers, and develop high-quality products ... business should also consider available insurance options. Establish Credibility Once you're ... first impression. Retain the Correct Insurance Those who operate in skilled ...

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When it Rains it Pours: Understanding Flood Cover.

When it comes to Business Insurance, understanding what's included and excluded from your policy can at times feel a tad murky, especially when it comes to flood cover ... contents and/or stock a Business Insurance policy usually comes with some ... the insurer. If approved, your insurance provider will be able to ...

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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 ... high-level clients, that makes their insurance a must. “As a business, ... for new clients, so having insurance is an essential requirement. “ “BizCover ...

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A $2,000 Wish for Your Small Business

Ask any small business owner about the most difficult aspect of running a business and you'll most likely get an array of answers. However, one thing in common that most ... in 2008, BizCover, an online insurance service for small businesses, knows ... a policy holder with BizCover's insurance service. “So much of BizCover's ...

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BizGiver finds it's latest winner in Wild Forage

The latest winner of the $2000 BizGiver Grant is crowned; Wild Forage, a small business supplying seasonal wild edible plants, herbs and seaweed to high end restaurants ... ” The grant, started by BizCover Insurance in 2014, has given away ... who have embraced our online insurance services over more traditional methods ...

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Here’s the lowdown on Public Liability insurance*

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

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

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

 

Public Liability explained further…

Product Liability explained further…



Independent feedback from our customers rated our service at excellent.

What is typically included?**

Compensation for:

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

 

What is typically not covered?* 

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

 

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

Download Public Liability Fact Sheet

Your Cover Options 

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

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

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