Legal Requirement for Public Liability Insurance

Public liability insurance covers your business for losses ... business' activities. Failure in obtaining public liability insurance policy can expose ... be covered by public liability insurance in the following circumstances: The general public can visit ... can be attended by the general public. A public liability insurance policy should include the ...

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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 ... . Public Liability Insurance If you're dealing with clients, suppliers, contractors and the general public ... chance of a claim occurring. Public Liability insurance is an essential form of ...

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Insurance Considerations for Personal Trainers

Working as a personal trainer can be a rewarding career. Not only do you get to help your clients achieve their goals and transform their lifestyles, but it's also the ... of the general public). To cover these types of risk consider public liability insurance which ... services. Find Out More About Public Liability Insurance As a personal trainer you ...

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Public Liability Insurance in Perth

... business deserves. What does Public Liability insurance cover? Public Liability insurance covers claims for personal injury ... on this web page is general only and should not be ...

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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

... business deserves. What does Public Liability insurance cover? Public Liability insurance covers claims for personal injury ... on this web page is general only and should not be ...

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Public Liability Insurance in Brisbane

... business deserves. What does Public Liability insurance cover? Public Liability insurance covers claims for personal injury ... on this web page is general only and should not be ...

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Public Liability Insurance in Adelaide

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7 Types of Insurance Your Small Business Should Consider

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

... business and your customers with Public Liability insurance. It offers protection should a ... , or even member of the public, sue your business for ... laws regarding requirements for holding Public Liability insurance. Each state and territory has ... your business by improving the general safety of your premises, such ...

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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 . ... about when protecting your business. Public Liability insurance is intended to provide protection ... on this web page is general only and should not be ...

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What is Public Liability Insurance?

Do I need public liability insurance?Claim Example What is Public Liability Insurance?* Public Liability insurance protects your business if ... on this web page is general only and should not be ...

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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 ... 's why Portable Equipment insurance (also known as General Property) is an ...

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Public Liability

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5 Tips for an Insurance Health Check

If your insurance is due for renewal or ... just wanting to do a general review of your business, it ... a health check of your insurance to ensure ... just wanting to do a general review of your business, it ... upping the level of your Public Liability insurance. Similarly, take into account any ...

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5 Ways To Prepare Your Business Premises For The Cooler Seasons

As we say goodbye to those sunny summer days and hello to fresh, frosty mornings, the change in seasons is a prime time to make sure your business premises is prepared ... Keeping on top of the general maintenance of your building helps ... walking in these areas. Having Public Liability insurance is one of the vital ...

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Triumph after Tragedy for QLD Fitness Trainer Latest Winner of Bizcover.com.au $60,000 'Small Business Buddy Program'

Latest Winner of Bizcover.com.au $60,000 'Small Business Buddy Program' Michelton resident Charlotte Hansen last week marked a major milestone when she went from cancer ... and medication as well as general living costs.” Being granted a ... Indemnity, Public Liability, Business Insurance, Management Liability and now Cyber Insurance. BizCover provides multiple insurance quotes ...

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The Risky Business of Insurance

What are the Real Costs to Australian Small Business? Small business owners tend to be juggling many balls - managing clients, cash flow, staff, stock and future planning ... 'nice to have' insurance. Examples of “must have” insurance: Public Liability– protects against legal ... 25,000 clients. They provide general advice backed by an experienced ...

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6 Areas You May Not Have Thought Business Insurance Covers

Your business is your livelihood. So it's vital to protect your business assets and revenue against potential risks that may impact your business, such as fire, storms ... that you are responsible for. General Property You can cover portable ... essential covers such as Public Liability and Professional Indemnity insurance to ensure you ...

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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 ... ... covered under an IT Liability Policy? An IT Liability insurance policy typically will ... having professional indemnity, products liability and public liability contained in the same policy ...

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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 ... ... claims and circumstances Property damage Public Liability insurance When you work closely with ... happening, and that's why Public Liability insurance is equally important for yoga ...

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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 ... . What Janine needed was public liability insurance or insurance that protects you and your ... a relatively simple process. Purchasing public liability insurance online, where quotes are instant ...

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Dishing up the facts on food business insurance

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

... most common issues with Business Insurance is that policy owners often ... ... type of your insurance. Read the below carefully: Public Liability – This protects against ... can work again. Cyber Liability Insurance – Cyber Liability Insurance protects against the expenses 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, ... of themselves, but the primary insurances - public liability and professional indemnity - are crucial ... even a year. Consider Cyber Liability insurance, especially if your business relies ...

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BizCover SME Insurance Price Index Q1 FY20

... material price reductions on their Public Liability insurance, while prices have remained steady ... ... material price reductions on their Public Liability insurance, while prices have remained steady ... increases we have seen for Public Liability insurance in the broader market. To ...

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

In the blink of an eye, the silly season is here again! For some, it's the busiest time of year, from retailers helping people get their last-minute gifts and service ... you have an active Public Liability insurance in place. Public Liability insurance is designed to protect ... the owner and if your Public Liability policy includes this. Batten down ...

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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 ... ... to ensure you have your Public Liability cover in case a customer ... an exceptionally prime target. Cyber Liability insurance is a 'must have' policy ...

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Preparing your store for the holiday season ahead

The holiday season is upon us, which is an important time for retail businesses. It can provide a much needed boost in sales, but on the flip side it can also mean an ... and legal expenses. Ensure your Public Liability insurance policy has adequate cover to ... and data. Therefore, a Cyber Liability insurance policy can act as your ...

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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 ... their Public Liability insurance. SME Professionals have been seeing increases in their Public Liability insurance over ... BizCover platform to reduce their insurance costs with comparable cover.” Download ...

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5 insurances every convenience store owner needs to know about

You're a retail lifesaver, helping customers at all hours with all sorts of essentials, from early morning coffees to midnight snacks. As a convenience store, you've ... banking, marketing and importantly your Public Liability insurance. It is one of the ... costly without the right protection. Public Liability insurance can provide you with peace ...

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How to hire quality tradesmen for your small business with Oneflare

When hiring tradesmen for your small business, you don't have any room for error so every tiny detail counts. It can be daunting and time-consuming sorting through the ... different types of insurance to look out for. Public Liability Insurance This is the ... most common and essential form of insurance for ...

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The Art of Being a Creative Small Business

Whether you're running your own business as a small team or flying solo in the freelance world, one thing is for sure, the creative arts industry is anything but boring ... be a requirement to hold Public Liability insurance before you can perform in ... help with your creative business insurance needs, providing a variety of ...

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Managing Risk for Tradesmen

Running your own trade business or working as a contractor often means you're exposed to greater risk than many other business owners. There's always the potential for ... having the right business insurance. Protect your livelihood Public Liability insurance is undoubtedly one ... yourself with Personal Accident & Illness insurance. It pays up to 85 ...

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Keep cool and carry on - A summer survival guide for restaurants and cafés

Iced teas, tropical fruits, a cheeky ice cream those signature flavours of summer are something you would be all too familiar with as a restaurant or caf owner. Summer ... or café business is with Public Liability insurance. It is designed to protect ... an insurable event, Business Interruption insurance can help by providing cover ...

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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 ... two types of cover - Public Liability and Product Liability. Public Liability Public Liability covers you for the ...

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The Easter Bunny's Guide to Business Insurance

Each year at Easter millions of kilograms of chocolate are purchased and consumed around the world. In Australia alone close to $200 million is spent on Easter chocolate ... , it could also represent a public liability risk, for which the Easter ... stop working? Within a Business Insurance pack the Easter Bunny would ...

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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 ... the price of ... Indemnity, 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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Small Business Insurance: Why you might want to ensure you're covered!

Running a business can be rewarding, challenging but also stressful. While you will are taking control of your earning potential and the upside can be great, there are ... need for adequate insurance for your business . Is insurance mandatory for your ... . If you rent your premises, public liability may be a requirement from ...

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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 ... ... groups, Combined Professional Indemnity/Public Liability and Public Liability/Business Packs are not seeing ... , the cost of Professional indemnity insurance for some Allied Health professionals ...

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Doggone Great! Local QLD Business Selected in the $60,000 'Small Business Buddy Program'

Small Business Buddy Winner! Local QLD Business Selected in the $60,000 'Small Business Buddy Program' Woofwatchers, a local dog grooming and pet caring business is ... seven years embraced our online insurance services over more traditional methods ... Indemnity, Public Liability, Business Insurance, Management Liability and now Cyber Insurance. BizCover provides multiple insurance quotes ...

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Insurance Premiums for Retailers Continue to Climb

Insurance Premiums for Retailers Continue to ... The latest BizCover Small Business Insurance Price Index has been released ... an increase in small ... not universal. Graph 1 – BizCover Insurance Price Index (Financial Year 2017 ... sector, but the index for Public Liability and Business Packs increased 4 ...

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

The journey to becoming a successful small business owner is one of twists, turns and the occasional speed bump. In our two-part series (catch up on part 1 here) we map ... ways business insurance can help keep your business alive: Public Liability is an ... are not found liable, your Public Liability policy will cover the associated ...

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Things you didn't know about small business insurance

Getting the insurance sorted for your small business ... , compare quotes and buy the insurance that suits your business. But ... not know about small ... that your personal insurance may not cover your business liabilities or property ... put this in perspective, a public liability policy for an SME working ...

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Help Protect your small business' reputation

When it comes to running a small business, your brand and its reputation are priceless. No doubt you've spent countless hours establishing your name by building strong ... and penalties, Management Liability insurance can also offer a Public Relations component which ... Regulatory Event or Investigation, Cyber Liability Insurance Can you imagine trying to ...

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

... seems to be hardening for insurance for larger businesses, the latest ... BizCover Small Business Insurance Price Index is showing no ... ... , the latest BizCover Small Business Insurance Price Index is showing no ... prices down. Professional Indemnity and Public Liability, including multiple section business packs ...

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5 Common Beauty Insurance Claims

As much as we like to hope otherwise, unexpected events happen! Things can go dreadfully wrong despite the best efforts we take to prevent them and the simplest of setbacks ... on it. “Thankfully my Business Insurance policy included building and contents ... my landlord to hold a Public Liability policy. I've always enforced ...

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Small Business Insurance Price Index Q3

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

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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 ...

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5 Reasons To Review Your Business Insurance This Christmas

Christmas can be a busy (as well as stressful!) time for many small businesses. Come December the big Christmas countdown is on as people are busy preparing for the end ... to make sure you have Public Liability, and if you do have ... 're protected within your Business Insurance pack, as with increased trading ...

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Business Horror Stories

Running a business can be a wonderful rewarding experience, but sometimes things can go horribly wrong. THE ONLINE ONSLAUGHT We never believe it can happen to us, that ... down for good. A management liability insurance policy can be the only ... . Business Insurance cover options such as Management Liability and Cyber Liability are little ...

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Tips for making a Stress-Free Claim

Making an insurance claim can be stressful but ... ... ? This is where Business Interruption insurance comes in handy, providing that ... out more about Business Interruption insurance here. When Disaster Strikes Call ...

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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 ... contractor, Personal Accident and Illness insurance is an important type of ...

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Comparing Portable Equipment & Electronic Equipment Cover

Business insurance isn't always straightforward, and ... nitty-gritty to understand what insurance is being offered and which ... especially the case ... especially the case with Business Insurance options like Portable Equipment and ... your insurer. Portable Equipment This insurance provides repair or replacement for ...

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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 ... -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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BizCover wins dual accolades over two big nights

... experience in the Small Business Insurance space. On Tuesday night, BizCover ... award recognised the Small Business Insurance [] ... award recognised the “Small Business Insurance Made Even Easier” campaign for ... ranks the 50 fastest growing public or private technology companies, based ...

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Customer Spotlight: Elite Words

On today, International Women's Entrepreneurship Day, we celebrate with one entrepreneurial BizCover customer, Natalie Dawson of Elite Words. After over ten successful ... mind that Dawson justifies her insurance with BizCover. “I insure my ... worry about the cost of insurance.” “In the short term, organisations ...

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Customer Spotlight: Cheaper Buy The Dozen

After working 22 years in the car industry, Mansel Milne made the jump to the wine industry and started the online wine delivery company Cheaper Buy The Dozen. In its ... of a comprehensive and robust insurance plan for his business. “I ...

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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 ... more traditional methods of buying insurance,” said BizCover Founder and Managing ... winner will be determined by public voting via the BizCover Facebook ...

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Pet Stays, becomes the 32nd BizGiver winner

... the 32nd Winner of BizCover Insurance's BizGiver $2000 Small Business ... ... , who have embraced our online insurance services over more traditional methods ... of buying insurance, said Michael Gottlieb, Founder and ...

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Professional Indemnity Claims: when should I notify my insurer?

Your Professional Indemnity (PI) insurance is no doubt one of ... against your business. Like all insurance policies, there are several important ... ... against your business. Like all insurance policies, there are several important ... , as you might inadvertently admit liability which can result in your ...

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Comparethemarket.com.au and BizCover Announce White Label Partnership

... online provider of small business insurance, having helped over 90,000 ... businesses compare and buy their insurance online. Their White Label solution ... businesses compare and buy their insurance online. Their White Label solution ... compare and purchase their business insurance through the platform, but they ...

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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 ... , who have embraced our online insurance services over more traditional methods ... of buying insurance, said Michael Gottlieb, Founder and ...

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A Close Shave with Underinsurance

... to make sure that your Insurance grows with your business and ... ... , covered her business with Business Insurance. For the next 4 years ... closed. Luckily, the Business Interruption insurance that Samantha had added to ...

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Is your Small Business Summer Proof?

... to enjoy, including plenty of public holidays, long days and great ... ... to enjoy, including plenty of public holidays, long days and great ... . Glass Cover, under a Business Insurance Pack will cover your for ...

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Small Business Continues to Win on Insurance Prices!

... ; however the BizCover Small Business Insurance Price Index for the first ... ... ; however the BizCover Small Business Insurance Price Index for the first ... small businesses! Prices across all insurance classes were stable across the ...

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5 Reasons to love Personal Accident Cover

Personal Accident and Illness Insurance (IPA Cover)offers financial protection ... ... , or just for life in general, it's great to know ... lower premiums than similar life insurance or Total & Permanent Disability coverage ...

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Professional Indemnity for Real Estate Agents

... Real Estate Industry Professional Indemnity Insurance provides essential financial protection against ... of $1 million Professional Indemnity Insurance ... Real Estate Industry Professional Indemnity Insurance provides essential financial protection against ... in the advertising material and liability on the real estate agent ...

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5 Money Saving tips for Small Business

Most small business owners are conscious of their cash flow. Whether you are just starting out or have been in business a while, you'll want to make sure every dollar ... , credit card, bank account or insurance for their business. It may ...

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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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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 ... best value on your business insurance. Cover yourself up! Check your ... making a claim having enough insurance could mean the difference between ...

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Preparing your small business for a Tax Audit

The word on the street is that the ATO are going to be doing random audits of 100's of small businesses. Even if your books are in pristine condition, audits are generally ... as part of your business insurance or as a standalone policy ...

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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 ... first impression. Retain the Correct Insurance Those who operate in skilled ...

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Marketing Basics for Cabinet Manufacturers

Seek Feedback and Testimonials from Customers In order to grow, every business needs feedback from customers. Whether it's a simple survey, or verbal feedback, a cabinet ... anyone to implement. Cabinet making insurance options should also be considered.

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Digital Marketing Tips for Cabinet Makers

Even the best cabinetmaker needs new business and customers. While several professional woodworkers depend on word of mouth advertising, connecting with future customers ... making business should also consider insurance options.

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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: