What is Public Liability Insurance?

... with other people while doing business in any way you should consider Public Liability insurance. For example:^ Consultants/Contractors/ Tradespeople who work from home or visit their clients' premises Businesses that ...

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Public Liability Insurance in Perth

... not covered by a Public Liability insurance policy: Injuries to your employees Damage to your own property Costs of rectifying faulty workmanship Professional negligence Contractual liability Motor vehicle claims Events ...

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Public Liability Insurance in Brisbane

... not covered by a Public Liability insurance policy: Injuries to your employees Damage to your own property Costs of rectifying faulty workmanship Professional negligence Contractual liability Motor vehicle claims Events ...

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Public Liability Insurance in Adelaide

... not covered by a Public Liability insurance policy: Injuries to your employees Damage to your own property Costs of rectifying faulty workmanship Professional negligence Contractual liability Motor vehicle claims Events ...

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Public Liability Insurance in Hobart

... not covered by a Public Liability insurance policy: Injuries to your employees Damage to your own property Costs of rectifying faulty workmanship Professional negligence Contractual liability Motor vehicle claims Events ...

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Public Liability Insurance in Darwin

... not covered by a Public Liability insurance policy: Injuries to your employees Damage to your own property Costs of rectifying faulty workmanship Professional negligence Contractual liability Motor vehicle claims Events ...

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Public Liability Insurance in Port Macquarie

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How much Public Liability insurance do I need?

... terms of the contract. Many industry 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 ...

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Public Liability Insurance in Rockhampton

... not covered by a Public Liability insurance policy: Injuries to your employees Damage to your own property Costs of rectifying faulty workmanship Professional negligence Contractual liability Motor vehicle claims Events ...

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Public Liability Insurance in Mandurah

... not covered by a Public Liability insurance policy: Injuries to your employees Damage to your own property Costs of rectifying faulty workmanship Professional negligence Contractual liability Motor vehicle claims Events ...

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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 essential for almost every kind of ...

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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 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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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 ... 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

... 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 ...

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Do I need Public Liability insurance?

... for all kinds of business from professionals and tradesmen to retailers and other types of small businesses. Is Public Liability insurance a legal requirement? Public Liability Insurance is not a legal requirement in ...

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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 clients ... ... services IT recruitment and placement services What do IT Liability policies provide cover for? IT Liability insurance provides cover for a breach of the policyholders professional duty to a client in the performance of ...

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Insurance for IT Professionals

... also becoming a more 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 ...

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Insurance for IT Professionals Colour Test 2

... services. Also, more and more companies require independent contractors to hold Professional Indemnity insurance before being considered for a contract. Public Liability Chances are you spend most of your time visiting ...

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Insurance for IT Professionals Colour Test

... services. Also, more and more companies require independent contractors to hold Professional Indemnity insurance before being considered for a contract. Public Liability Chances are you spend most of your time visiting ...

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Insurance for Civil Engineers- what you need to know

... about what kinds of business insurance coverage you may need to ... ... working on a job or project. Issues with sub-contractors or lengthy delays with construction due to bad weather, ... to know the difference between Professional Indemnity and Public Liability insurance, as these are two very ...

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Insurance for Architects

... to a costly Professional Indemnity claim. Thankfully, Professional Indemnity insurance is designed to provide ... contact with clients, contractors and the general public. Public Liability insurance is designed to provide ...

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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 ... ... on: do you employ any staff, or rely on contractors or suppliers? The resources you rely on: what utilities, ... have a minimum level of Public Liability or Professional Indemnity insurance however, you may decide that you ...

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Insurance for Civil Engineers

... Liability insurance covers you anywhere within Australia. Insurance for Civil Engineers* Professional Indemnity ... contact with clients, contractors and members of the public. Public Liability insurance is designed to ...

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Insurance for Disability Workers

... you a sole trader, contractor or carer possibly as part of the National Disability Insurance Scheme (NDIS), you could be exposed to risks which may result in a Professional Indemnity or Public Liability claim against you ...

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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 ... can afford to make. This is where Statutory Liability insurance comes into play – designed to help cover the ... the company's production line. Upon starting, the contractors received a 2-hour training course on safety and ...

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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 ... interact with public space (construction, parks etc.), or welcome visitors and sub-contractors should check to see whether there is public liability insurance is in place first. In the trades industry, there may also be ...

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Professional Indemnity Insurance for Civil Engineers

... your pearls of wisdom and professional services. Like any profession there ... your services. As a professional, considering Professional ... you out of business. Below we'll explore Professional Indemnity insurance and how it can apply to your work ... a duty of care for the network of clients, contractors, other consultants and members of the public involved. One ...

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Top 5 Reasons for Having Professional Indemnity and Public Liability Insurance

... should hold and maintain Professional Indemnity and Public Liability insurance. #1 Protection against ... claims of negligence, malpractice and ... NHAA members should hold and maintain Professional Indemnity and Public Liability insurance. #1 Protection against claims of negligence, malpractice and professional misconduct Your service comes with an expectation ...

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Misconceptions Around Professional Indemnity Insurance

... misconception is that the claims professional indemnity insurance covers are only the ... ... terms of professional indemnity insurance, as this means that if anything happens that causes them a loss, your insurance will pay for it. Such an example may be that you area private consultant and the contractor made ...

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How Does Professional Indemnity Insurance Benefit You?

If you are a professional and have your own company, ... have professional insurance, which can also be referred to as professional indemnity ... your own company, then it is advisable that you have professional insurance, which can also be referred to as professional indemnity insurance. Professionals are expected to possess extensive technical knowledge in their ...

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What Limit of Professional Indemnity Insurance Do I Need?

... consumers is 'What limit of Professional Indemnity insurance do I need?' While ... . If you belong to a professional association, it is always ... a good idea to contact the association and check whether there is a minimum limit of Professional Indemnity Insurance you are required to maintain to comply with their compliance requirements. They may also be able ...

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How the cost of Professional Indemnity insurance is calculated

... the cost of a Professional Indemnity (PI) insurance policy is calculated and ... that impact the cost of Professional Indemnity insurance ... more than another? We look some of the key factors that that impact the cost of Professional Indemnity insurance. Insurance policy pricing is generally calculated on risk factors and put simply, the higher the level of ...

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Professional Indemnity Insurance 101: For Allied Health Professionals

... to protect yourself is with professional indemnity insurance. This type of policy ... ... any damages awarded as a result of the claim - no matter whether it's proven or not. Professional indemnity insurance gives people in the allied health professions, and their families, peace of mind that their assets are ...

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Sometimes Professional Indemnity Insurance is Needed

Professional indemnity insurance is handcrafted to provide coverage ... the policy holder due to professional carelessness or accusations. Sometimes ... that any potential policy holder needs to consider when deciding upon whether or not they should buy professional indemnity insurance is the potential financial loss that can occur as a result of legal fees whether or ...

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Professional Attire Insurance

... member of the Village People? There's now a revolutionary solution; Professional Attire Insurance, that covers you for any damage to your professional uniform, offering a rapid replacement service for any stain, torn or ...

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Additional Cover for Professional Indemnity Insurance

... Fernando for his certificates of insurance - it's just part ... is not only insured with professional indemnity, but also with the ... ... Skin Naturalé Lynn Ross also holds extra cover options to her professional indemnity insurance. Lynn purchased public and products liability (PPI) when she started her business selling natural and organic skincare ...

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Management Liability Insurance

... of a company. Think of it like this: where Professional Indemnity insurance covers the advice or service you provide to your clients, Management Liability insurance covers the risks that arise from running your business ...

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Public Liability Insurance for Cabinet Makers

... the right kind of business insurances in place. Regardless [] ... ... or a contractor, there are business insurance options to suit your business and its needs. Let's take a look at what is often one of the most important types of insurance for cabinet makers, Public Liability insurance ...

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What is Professional Indemnity Insurance?

... Contractors, Management Consultants, Accountants, Estate Agents etc. Could this happen to your business? No matter how good you are at your job, we're all human and we all make mistakes. Professional Indemnity Insurance ...

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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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What does Professional Indemnity Insurance cover?

... matter how good you are at your profession. Professional Indemnity insurance is designed to protect you from a wide ... Damages and claimant costs awarded against you Civil liabilities which may arise from but are not limited ...

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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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Do I need Professional Indemnity insurance?

... for it or not, a claim must be defended - ignoring it won't go away. Don't despair. Professional Indemnity insurance is your best defence when faced with a claim. You get the assistance of an expert insurer by your side ...

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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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Insurance for Pet Professionals

... covers you anywhere in Australia so you can work with pets from Hobart to Hamilton Island! Insurance for pet professionals Public Liability No matter how much care you take, accidents can happen when you are working with ...

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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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BizInsure Capitalizes on the Paradigm Shift in Commercial Insurance!

... insurance model that connects independent professionals and small businesses to critical Professional Liability ... (E&O) insurance ... the policy best suited for their needs, within minutes. This is unprecedented for this market. Professional Liability (E&O) insurance is just the beginning; over the upcoming months and years BizInsure will become a one ...

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Professional Indemnity for Real Estate Agents

... the Real Estate Industry Professional Indemnity Insurance provides essential financial protection against ... acts, errors and omissions from professional ... hold a minimum of $1 million Professional Indemnity Insurance with a number of set policy inclusions ... misrepresentation is plainly stated in the advertising material and liability on the real estate agent is easy to see. ...

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BizCover SME Insurance Price Index Q1 FY20

... and professionals have seen material price reductions on their Public Liability insurance, while ... ... across 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 ...

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A Guide to PI Insurance

... and omissions insurance, PI or Professional Indemnity). What is Professional Indemnity Insurance? Professional Indemnity Insurance ... 't know if they are getting the best deal. This is where BizCover steps in to satisfy your Professional Indemnity Insurance needs. BizCover allows you to get live online quotes in under 2 minutes, and purchase in only 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 ... ... of dollars), and could be enough to put a small business out of business! Public Liability Insurance explained. Professional Indemnity Insurance If your business or profession involves providing a service or advice, then ...

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Insurance for Painters

... usually cover the work of subcontractors. Therefore sub-contractors should consider maintaining their own public liability insurance. Insurance for Painters Public Liability Insurance* In the world of painting, it's a ...

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Insurance for Professionals

... 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 designed to provide protection for you ...

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Insurance for Consultants

... a potential for you to have enormous liability exposure, which may affect your personal assets if things go wrong. Insurance for Consultants Professional Indemnity* There are literally hundreds of different consulting ...

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Insurance for Social Workers

... or advice. Professional Indemnity insurance will also assist with the legal costs associated with responding to or managing claims which are covered by the policy. Public Liability Public Liability insurance* is an ...

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Insurance for Carpenters

... you may need to consider Product Liability insurance*. It protects your business against claims by third parties relating to property damage or personal injury caused by your products. Professional Indemnity When you're ...

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Insurance for Yoga Teachers

... council require you to obtain a permit including public liability insurance before holding classes on council owned land, such as the public park? Has your professional association set a minimum level of cover required ...

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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 ... ... the following minimum levels of insurance cover for their yoga teacher members: $10m Public Liability $5m Professional Indemnity (malpractice), preferably $10m $10m Professional Indemnity Namaste, ask away! Sorting ...

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Insurance for Plumber

... plumbers to hold minimum levels of public liability insurance before they can operate. Further details can ... the provision of your professional service or advice. Professional Indemnity insurance will also assist with ...

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Insurance for Hair & Beauty Services

... service or advice. Professional Indemnity Insurance will also assist with the legal costs associated with responding to or managing claims which are covered by your policy. Public Liability Insurance* Whether you work ...

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Public Liability NSW

... Wales 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 ...

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What are the Insurance Options for Land Surveyors?

... yourself and your company with insurance is a smart investment. Land ... ... of your professional service or advice. The level of cover you may need is typically based on the size, scope, and type of land surveying projects your business uses. Public Liability Public Liability insurance is ...

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Insurance for Engineers

... consequences (and costs) can be severe. Professional Indemnity insurance is designed to provide your business with a ... affairs of your company. Management Liability insurance will provide protection to your company ...

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Insurance for makeup artists

... insurance cover to protect you and your business. Insurance for Makeup Artists Professional Indemnity Insurance* ... which is why Public Liability insurance is an important form of insurance. It provides protection ...

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Insurance for Accountants

... financial losses for your clients. Professional Indemnity insurance will protect your business from ... confidentiality by your system being hacked. Cyber Liability insurance helps to protect you from claims and supports ...

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Insurance for pharmacy and pharmacists

... box of medications, resulting in injury. Other Insurances for pharmacies Whilst Professional Indemnity and Public Liability insurance provides cover for legal liabilities arising from your practice as a pharmacist and ...

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Insurance for martial art teachers

... claim being made against you. Having Professional Indemnity insurance can help you respond to claims ... dojo or somewhere else. Either way, Public Liability insurance is important for martial arts trainers by providing ...

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Public Liability QLD

... 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 ...

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Public Liability WA

... during 2018 and their individual average monthly premiums. How much do Professionals pay for Public Liability Insurance in WA? The term 'Professionals' covers a wide range of occupations that typically need specialist ...

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Insurance for Lawn Mowing Services

... claim to happen. Your Public Liability insurance policy provides financial protection by covering ... tools. Accidents can happen on even the most professional and organised working conditions. Should the unexpected happen, ...

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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 ... ... want to consider upping the level of your Public Liability insurance. Similarly, take into account any changes in nature ... you may want to increase your Professional Indemnity insurance. Also, consider any new contracts ...

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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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Insurance for Nurses

... not practice unless you are covered by a Professional Indemnity Insurance policy that meets the minimum requirements set ... nurses and midwives must include: a) Civil liability cover b) Appropriate retroactive cover* for ...

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Insurance for Electricians

... .50 in total. Had the electrician not held Public Liability insurance he would have been personally responsible for paying these costs. ^QLD Electrical contractor insurance requirement sourced from ESO (2016, August 19th ...

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Insurance for Tradesmen

... 're working as a contractor, you should also consider your contractual obligations to carry a minimum amount of Public Liability insurance. You may also be required to hold Public Liability insurance if you are a member ...

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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 ... ... you're an exceptionally prime target. Cyber Liability insurance is a 'must have' policy for all ... professional fees for bookkeepers, accountants, lawyers and other associated costs. Every business has different insurance ...

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Insurance for Furniture Manufacturers

... wrong. This is where business insurance comes into play and should ... . The process of arranging your insurance can feel overwhelming at times . ... a result of an interruption to your business caused by an insured event. Management Liability* Management Liability insurance is designed to provide protection to both the business and its directors or officers for ...

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Insurance for Handymen

... ; 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 ...

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Insurance for Gift Shops

... for a data breach, something your business can do without. This is where Cyber Liability insurance* can help. Cyber Liability insurance is designed to help protect your gift shop business from claims and support your ...

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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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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: