Business Insurance Guide for the Self-Employed - Part 1

... plans for success. Any solid business plan should have a focus ... strategies and protection for your business for the long haul. From ... , there ... understanding some of the main types of business insurances on the market. Starting with Public Liability insurance. What is Public Liability Insurance? Public Liability insurance provides protection* for  you and your ...

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Dishing up the facts on food business insurance

... whether you have the right business insurance. When it comes to insuring ... your small food business, sometimes it can feel like ... ... a smart selection to also include as part of your overall business insurance plan. What types of insurance should food businesses consider? Public Liability Insurance Dishing up food and beverages to the public everyday ...

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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 ... In the final piece of our Business Insurance for the self-employed guide, we take a look at Personal Accident and Illness insurance and Cyber Liability insurance. We share the ins and outs of why self-employed workers ...

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5 Surprising Things Business Insurance Can Cover

When looking for Business Insurance, most small business owners typically worry about covering ... things such as their legal liabilities and top ... 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 although it won't prevent ransomware ...

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Finding the Right Business Insurance Can Be Hard but BizCover Makes it Easy

... minutes. If you run a business, it is absolutely essential that ... yourself and your assets with business insurance. However, figuring out exactly ... of the more common types of cover include public liability, professional indemnity, cyber liability, business interruption and tax audit insurance. In many cases, businesses will need to mix and match different types of ...

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Things you didn't know about small business insurance

Getting the insurance sorted for your small business can be pretty straightforward, jump ... quotes and buy the insurance that suits your business ... more out of your current policy. Your personal insurance doesn't cover your business A key thing to be aware of is that your personal insurance may not cover your business liabilities or property. If you work from home ...

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Small Business Insurance Index

... strong price increases in the business insurance market, SMEs are continuing to ... in the cost of business insurance, the BizCover SME Insurance ... of business insurance, the BizCover SME Insurance Price Index shows that overall pricing for SME insurance has ... Liability insurance. SME Professionals have been seeing increases in their Public Liability insurance over ...

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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 first increase seen in 10 quarters. This brings the insurance rates back to the same level as Q4 2013/14 (6 ... the non professional sector with Public Liability and Business Packs (predominately covering perils and ...

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Small Business Insurance Price Index Q3

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

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Business Insurance Guide for the Self-Employed - Part 2

Navigating the world of business insurance can be confusing which is ... 've created a guide to business insurance for the self-employed that ... and ... make it a bit easier. We've created a guide to business insurance for the self-employed that profiles the main types of cover to ... include: Intentional damage   Contractual liabilities   Your professional fees   Known ...

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Home Based Business Insurance

... shops Photographer Writers Web developer Insurance for Home Based Businesses Public Liability* One of the basic insurances to consider is Public Liability insurance. Public Liability insurance is designed to provide ...

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Business Insurance in Bunbury

... specified circumstances.  In addition, cover is available for public liability, tax audit, employment practices and statutory liability risks. Business Insurance is an insurance package designed to provide cover for your ...

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Business Insurance

... will depend on the nature of your business and what areas you think you are the 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 ...

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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

... industries and occupations Public Liability insurance can cover, the cost of it can vary greatly. This is due to several factors including: The type and nature of your business Your business turnover and size The ...

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Business Insurance in Launceston

... !” Anne G. Bookkeeper How much does Public Liability insurance cost? On average, small businesses in Launceston pay $52.8 **for their business insurance packs. Business insurance is one of the most popular types of ...

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Business Insurance in Mackay

... . Commercial Cleaner How much does Public Liability insurance cost? On average, small businesses in Mackay pay around $68.55** per month for their business insurance package. Business insurance is one of the most popular ...

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Business Insurance on the Central Coast

... Central Coast pay around $68.66 a month**for a Business insurance policy. Public Liability insurance is one of the most popular types of insurance for businesses. In fact, it is arguably important for almost every kind ...

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The Easter Bunny's Guide to Business Insurance

... denying that Easter is big business. In the Easter game, the ... ... as a public event, it could also represent a public liability risk, for which the Easter Bunny has maximum cover. If ... are stored in stop working? Within a Business Insurance pack the Easter Bunny would have cover for ...

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Business Insurance in Parramatta

... Amy E. Real Estate Agent How much does Business insurance cost? On average, small businesses in Parramatta pay $71.30** a month for their business insurance package. Business insurance is one of the most popular types of ...

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Business Insurance in Toowoomba

... in Toowoomba pay $60.97** per month for their business insurance packages. Business insurance is one of the most popular types of insurance for small businesses in Toowoomba. In fact, it is arguably important for ...

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Business Insurance in Townsville

... Insurance package can also cover your portable equipment, glass and for loss of revenue due to business interruption in specified circumstances. In addition, cover is available for public liability, tax audit, employment ...

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Business Insurance on the Gold Coast

... accidental damage). A Business Insurance package can also ... business interruption in specified circumstances.  In addition, cover is available for public liability, tax audit, employment practices and statutory liability ...

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Business Insurance in Geelong

... . Beauty Salon Operator How much does Business insurance cost? On average, small businesses in Geelong pay around $79.43**for their business insurance policy. A business insurance package is arguably important for almost ...

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Business Insurance in Cairns

... in Cairns pay around $73.93** a month for a Business insurance package. Business insurance is one of the most popular types of insurance for small businesses in Cairns. In fact, it is arguably important for almost ...

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Business Insurance in Bundaberg

... in Bundaberg pay around $60.51** a month for a Business insurance policy. Business insurance is one of the most popular types of insurance for small businesses in Bundaberg. In fact, it is arguably important for almost ...

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Business Insurance in Newcastle

... in Newcastle pay around $71.06** per month for their business insurance package. Business insurance is one of the most popular types of insurance for small businesses in Newcastle. In fact, it is arguably important for ...

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6 Areas You May Not Have Thought Business Insurance Covers

... 's vital to protect your business assets and revenue against potential ... risks that may impact your business, such as fire, storms, theft ... accidental ... solutions to protect your business. You can tailor a policy to suit your needs and include other essential covers such as Public Liability and Professional Indemnity insurance to ensure you are not left financially ...

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Common Small Business Insurance Claims and How to Prevent them.

If you are a small business owner you know that things ... your business and your bottom line. Whilst you've got the insurance ... ... Here are some of the most common BizCover Business Insurance customer claims, and tips on how to prevent ... the broken freezer, investing in a backup generator. Liability Claims Another common claim seen all too often is ...

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5 Reasons To Review Your Business Insurance This Christmas

... stressful!) time for many small businesses. Come December the big Christmas ... ... to ensure you have enough financial protection to keep your business safe over the festive season. 1. Increase in foot ... Now's the time to make sure you have Public Liability insurance, and if you do have it, ensuring you ...

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How much does Business Insurance cost?

... , as well as financial loss due to business interruption. There is also the option to include your Public Liability cover in a Business Insurance pack. The beauty of Business Insurance is that it can be tailored to suit ...

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What is Business Insurance?

... , theft and accidental damage of office equipment, such as chairs, desks and computers. Public Liability Insurance which covers your business against the legal costs of a claim for injury or damage to the property of ...

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

... .com.au $60,000 'Small Business Buddy Program' Michelton resident Charlotte ... her new personal fitness training business, focused on seniors, and ... , small and medium sized businesses buy Professional Indemnity, Public Liability, Business Insurance, Management Liability and now Cyber Insurance. BizCover provides multiple insurance quotes instantly online and the ...

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Insurance by Industry

... and professionals and that's why our comprehensive insurance offerings include: Professional Indemnity, Public Liability, Business Insurance, Management Liability, Cyber Insurance and Tax Audit. At BizCover, we are aware ...

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7 Types of Insurance Your Small Business Should Consider

If you own a small business, there's no denying one ... assets is Small Business Insurance. But what kind of insurance do you actually ... it ... consider insuring your assets, your revenue, and your liabilities. Public Liability Insurance Every business should consider Public Liability Insurance - even home-based businesses. It covers you and your employees for ...

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Insurance for Furniture Manufacturers

... you run your own business, there is a lot ... wrong. This is where business insurance comes into play and should ... business' risk management ... feel overwhelming at times, with many types of cover available in the insurance marketplace. From Public Liability cover to a variety of business insurances, in this article we explain some of the key things furniture ...

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Insurance for Civil Engineers- what you need to know

... think about what kinds of business insurance coverage you may need to ... ... types of risks. Public Liability insurance Civil Engineers should also consider Public Liability insurance. Public Liability insurance is designed to provide protection* for you and your business in the event a client ...

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Public Liability Insurance for Cabinet Makers

... up your tools. Protecting your business against unplanned challenges, like an ... with the right kind of business insurances in place. Regardless ... cover required. What can happen if your business is left uninsured? Public Liability insurance is a common type of business insurance that different kinds of businesses take out as protection. Operating as an uninsured ...

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Insurance for Gift Shops

... tripping on stock that was left on the floor. Having the right Public Liability insurance will give you peace of mind. Business Insurance* Your customers are important but so is your stock, shop contents, and building ...

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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 ... up a new business or have been in business for a while ... and looking to buy insurance ... the 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 ...

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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 ... and those with capital chasing returns in insurance.” The Professional Indemnity rates reduced the ... lower than the base value only 3 years ago. Public Liability /Business Packs have not enjoyed as much of a drop in ...

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Insurance Premiums for Retailers Continue to Climb

... Climb The latest BizCover Small Business Insurance Price Index has been released ... showing an increase in small business insurance rates, with ... universal. Graph 1 – BizCover Insurance Price Index (Financial Year 2017 2nd Quarter) There was no change in the Professional Indemnity sector, but the index for Public Liability and Business Packs increased 4 points ...

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Insurance for Car Wash and Auto Detailers

... of your equipment to trigger a claim. That’s where Public Liability insurance comes into play. Public Liability insurance is designed to protect your business in the event a customer, supplier or a member of the public ...

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Insurance for Carpenters

... is selling products to the public then 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 ...

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Insurance for Cafes

... of limits of cover is available through BizCover, between $5 million and $20 million. Insurance for Cafes Public Liability Insurance* Your business deals with members of the public every day from customers dining at your ...

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Insurance for Plumber

... found on the Victorian Building Authority website. Insurance for Plumbers Public Liability One of the first types of business insurance to consider is Public Liability insurance*. It is designed to provide protection for ...

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Insurance for Retailers

... caused by the products you sell. Many Public Liability policies include Product Liability cover. Business Insurance* Your customers are important, but so are your business assets. Without the right cover, you could be ...

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Insurance for Hair & Beauty Services

... equipment - these all mean your business accidents. Fortunately, this is where Public Liability insurance can provide peace of mind and protection for your business. Business Insurance* Your customers are important, but ...

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Insurance for Consultants

... is a no brainer for all types of consultancy services. 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 ...

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Insurance for Landscapers

... always a chance for things to go belly up. That's where Public Liability insurance comes into play. Public Liability protects you and your business in the event a customer, supplier or a member of the public is injured ...

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Insurance for Handymen

Why do Handymen need it? You fix your client's DIY problems; we'll help your liability problems with business insurance. At BizCover, a few clicks or one call can solve all. You'll get multiple competitive quotes from ...

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Insurance for IT Professionals

... hacked or subject to ransomware attack? Perhaps you should consider if Cyber Liability insurance is right for your business. A cyber liability insurance policy is designed to help protect you from claims and support your ...

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Insurance for Restaurants

... that could happen in a restaurant environment. You should consider protecting your business with Public Liability insurance. Public Liability insurance is designed to provide protection for you and your restaurant ...

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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 ... will find no easier, more affordable, more convenient way to procure reliable Professional Liability (E&O) insurance. BizInsure - business insurance just got smarter! About BizInsure BizInsure is the most convenient and ...

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Keep calm and stretch on with Yoga Teacher insurance

... of arranging your yoga teacher insurance go. As a yogi or ... to protect your business. Let us centre your insurance chakra by exploring ... suppliers or members of the public when 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 ...

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Insurance for Pet Professionals

... public and trigger a claim. That's where Public Liability insurance comes into play. Public Liability insurance* is designed to provide protection for you and your business in the event a customer, supplier or a member ...

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Insurance for Butcher Shops

... * When you're dealing with customers and suppliers daily, Public Liability insurance is an important consideration for your business. Public Liability insurance is designed to provide protection for you and your ...

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Insurance for Marketing Consultants

... stock or event an interruption to your business. A business insurance package can even include tax audit, statutory liability or employment practices insurance cover. Cyber Liability* Consider the client data or personal ...

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What are the Insurance Options for Land Surveyors?

... yourself and your company with insurance is a smart investment. Land ... ... size, scope, and type of land surveying projects your business uses. Public Liability Public Liability insurance is designed to provide protection for you and your business in the event a customer, supplier or a member ...

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Insurance for Land Surveyors

... or certifying in Cairns, your Public Liability insurance policy will cover you anywhere in Australia. Business Insurance* Business Insurance can provide cover for your business assets including but not limited to your ...

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Insurance for Recruitment Consultants

... by your policy. Public Liability Insurance* Public Liability insurance is an easy choice for recruitment consultancy services. It is designed to provide protection for you and your business in the event a client ...

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Insurance for Tradesmen

... not going to be able to talk your way out of a Public Liability claim. 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 is ...

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Insurance for Personal Trainers

... are covered by the policy. Public Liability Insurance* Public Liability insurance is important to keep your business fighting fit.  In fact, it's likely that Public Liability insurance is required if you operate as a ...

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Insurance for Manufacturers

... 't want any unwanted surprises that may leave you personally liable. Management Liability insurance* is designed to provide protection to both the business and its directors or officers for claims of wrongful acts in the ...

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Insurance for Painters

... , it is important that you also consider the minimum amount of Public Liability insurance you are contractually required to have. Business Insurance* Portable Equipment Cover* To get the job done you need your tools ...

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Insurance for Project Managers

... and the severe consequences if it were compromised. Cyber liability insurance is a type of business insurance product which protects your business against both the legal costs and expenses (including compensation ...

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Protect your business with Statutory Liability Cover

... different types of insurance policies available to small businesses to protect against ... . However, many business owners are unaware that ... can be incurred from an official investigation or inquiry made against your business Adding the Statutory Liability option* to your Business Insurance policy can help cover: Monetary sums (penalties) payable to any ...

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Insurance for Electrical Engineers

... a great deal of trust in your knowledge and experience. Protect your business against liability claims and other unexpected events with the right business insurance. With just a few clicks or a single phone call, you can ...

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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 ...

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Protecting your Business from Cyber Risks - Part 2

... your business from a cyberattack. We also explain what Cyber Liability insurance ... it as part of your business security plan. Tips to stay In Part 2 of our cyber risk series, we take a look at what steps you can take to protect your business from a cyber–attack. We also explain what Cyber Liability insurance is and why you should consider it as part of your ...

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Insurance for Real Estate Agents

... , tax audit, employment practices and statutory liability risks. If any of the following circumstances relates to your business then you should consider Business Insurance to help ensure you are adequately protected ...

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Insurance for martial art teachers

... - 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 student, supplier or a member of the ...

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Insurance for Social Workers

... to their property as a result of your alleged negligent business activity. Employers Practices Liability Employment Practices Liability (EPL) insurance* is designed to help employers minimise the risk and potential ...

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Insurance for Restaurants & Cafes

... The average level of cover our customers take for their restaurant and cafe business is 10 million dollars. Insurance for Restaurants & Cafes Public Liability There is no end to the list of possible accidents that could ...

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Insurance for Plasterers

... in the policy wording. Insurance for plasterers Public Liability Insurance* Protecting your business with Public Liability insurance is a concrete decision. Public Liability insurance is designed to provide protection ...

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BizCover SME Insurance Price Index Q1 FY20

... price reductions on their Public Liability insurance, while prices have remained steady ... ... (Professionals) in the price of their Public Liability insurance for the most recent quarter. This contradicts the ... changes for SMEs when it comes to their business insurance, commenting “While costs may be rising for ...

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Insurance for Cabinet Makers

... can have a big impact on your business. As a cabinet maker, one of the first insurances you may need to consider is Public Liability insurance. Public Liability insurance is designed to provide protection for you ...

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Insurance for Lawn Mowing Services

... can still happen, even on the smallest jobs. That's where Public Liability insurance comes into play, an essential insurance to protect your business for the legal fees and compensation costs if a customer, member of ...

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Business Insurance Guide for the Self-Employed - Part 3

... print in the world of business insurance, it can feel like you ... , comprehensive guide on all things Business Insurance for the self-employed. In ... 3 of our guide, we go back to basics with Business Insurance and the main kind of coverage options to consider. What is Business Insurance? Business Insurance* is an insurance package designed to provide cover for your ...

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iSelect partners with BizCover to launch business insurance comparison

... has expanded their general insurance offering to include business insurance, through a partnership ... BizCover, Australia's leading small business ... company was thrilled to be partnering with BizCover to assist it in focusing on the SME business market. “Business insurance, like many of iSelect's other verticals, is a very complicated but important product. We know ...

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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 ... plan for you we can help you with tips on getting the best value on your business insurance. Cover yourself up! Check your insurance cover levels to see whether you have the right levels of cover. First let's make ...

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Business Insurance FAQs

... the answers! Check out our library of FAQ's designed to make insurance easy to understand. Get Free Quotes Ready to sort out your Business Insurance? Your small business is a big deal to us. Get the right cover by ...

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Business Insurance the Smart Way

... compare and buy cover that suits all kinds of start-ups and small businesses - over 6,000 occupations. BizCover instantly provides multiple insurance quotes online and you can select and purchase the right cover, at the ...

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Steady as she goes - still no increases in Insurance Premiums!

... that the market for small business insurance continues to benefit from stability ... in insurance prices, with little movement in ... of the few ... by continued competition, as well as capacity in the market. This has been the case across all insurance classes for small business, all of them seeing little change over the quarter, once again. As forecast in the last ...

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A Guide to PI Insurance

... is to make Professional Indemnity Insurance simple (also known as ... errors and omissions insurance, PI or Professional Indemnity). ... Professional ... in under 2 minutes, and purchase in only a couple more. BizCover also allows business professionals to compare policies from leading insurance providers (AIG, Dual and Vero) to make sure that you're getting the cover ...

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Small Business Continues to Win on Insurance Prices!

... , prices remain flat for small business. Recent financial results from the ... increase; however the BizCover Small Business Insurance Price Index ... move prices and they have remain flat over the quarter (Graph 1). A win for small businesses! Prices across all insurance classes were stable across the quarter, and this was reflected across most industries as well. The ...

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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.