Insurance for Furniture Manufacturers

... business insurance comes into play and should be one of the ... in the insurance marketplace. From Public Liability cover to a variety of ... ... of Insurance for Furniture manufacturers Public & Products Liability* As a furniture manufacturer, you ... thing you want is a liability claim. Public and Product Liability (often sold together) are ...

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

... of protecting your business and your customers with Public Liability insurance. It offers ... , or even member of the public, sue your business ... considerations to make finding and comparing a Public Liability policy a little easier ... both Public and Product Liability? What are the inclusions and exclusions of your Public Liability policy? And finally ...

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Legal Requirement for Public Liability Insurance

Public liability insurance covers your business for ... business' activities. Failure in obtaining public liability insurance policy can expose a ... ... over every product defect that might arise. In these instances, public liability insurance ... and is commonly bundled with the other packages, often product liability insurance. However, public liability ...

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Do I need insurance for my market stall?

... treats to clothing, arts, crafts, and bric-a-brac, Australia has ... when it comes to markets. And with the festive season fast ... ... of two types of cover - Public Liability and Product Liability. Public Liability Public Liability covers you for the costs ... has been damaged or broken. Product Liability Product Liability is designed to protect you ...

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What is Product Liability Insurance?

... products. Product Liability insurance usually forms part of a Public Liability policy and the word 'product ... Competition and Consumer Commission website. Do I need Product Liability Insurance? Product Liability ...

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Public Liability Insurance in Perth

... community and for their property. Most Public Liability policies also extend to cover Product Liability ... occupations. Given the various industries and occupations Public Liability insurance can cover, the ...

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Public Liability Insurance in Rockhampton

... community and for their property. Most Public Liability policies also extend to cover Product Liability ... occupations. Given the various industries and occupations Public Liability insurance can cover, the ...

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Public Liability Insurance in Mandurah

... community and for their property. Most Public Liability policies also extend to cover Product Liability ... occupations. Given the various industries and occupations Public Liability insurance can cover, the ...

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Public Liability Insurance in Hobart

... community and for their property. Most Public Liability policies also extend to cover Product Liability ... occupations. Given the various industries and occupations Public Liability insurance can cover, the ...

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Public Liability Insurance in Darwin

... community and for their property. Most Public Liability policies also extend to cover Product Liability ... occupations. Given the various industries and occupations Public Liability insurance can cover, the ...

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Public Liability Insurance in Brisbane

... community and for their property. Most Public Liability policies also extend to cover Product Liability ... occupations. Given the various industries and occupations Public Liability insurance can cover, the ...

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Public Liability Insurance in Adelaide

... community and for their property. Most Public Liability policies also extend to cover Product Liability ... occupations. Given the various industries and occupations Public Liability insurance can cover, the ...

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Public Liability Insurance in Port Macquarie

... community and for their property. Most Public Liability policies also extend to cover Product Liability ... occupations. Given the various industries and occupations Public Liability insurance can cover, the ...

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Public Liability Insurance in Newcastle

... community and for their property. Most Public Liability policies also extend to cover Product Liability ... occupations. Given the various industries and occupations Public Liability insurance can cover, the ...

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The Risks of Growing Your Small Business

... it all on the line, and take a giant leap forward ... ... themselves, but the primary insurances - public liability and professional indemnity - are crucial. Ignore ... to a third party and can include Product Liability to cover damage caused ...

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The Easter Bunny's Guide to Business Insurance

... kilograms of chocolate are purchased and consumed around the world. In ... ... cost due to fines and legal battles. A Product Liability policy would cover ... , it could also represent a public liability risk, for which the Easter ...

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

... a wide range of clientele, and you can build your own ... of. But making people look and feel amazing is just [] ... costs and compensation awarded to the claimant. Public Liability insurance also extends to Product Liability ... good to have your Professional Liability and Public Liability cover combined through the one ...

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Public Liability

... your customers, suppliers, community and their property. Public Liability Insurance is designed to ... covered by the policy. Public Liability explained further… Product Liability explained further… Independent feedback ...

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5 Common Beauty Insurance Claims

... we take to prevent them and the simplest of setbacks can ... ... hold a Public Liability policy. I've always enforced strict health and safety ... performing, only use your equipment and products in the way they are ...

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PI Index: Premiums Decline 10 Straight Quarters

... to the abundance of supply and healthy competition in the business ... ... across the other product groups, Combined Professional Indemnity/Public Liability and Public Liability/Business Packs ... are not seeing the same reductions and ...

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Small Business Index July 2015

... turning? An oversupply of capacity and competition in the insurance market ... ... 3 main product categories of Professional Indemnity, Combined Professional Indemnity & Public Liability and Public Liability /Business ...

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Public Liability Insurance

... you he is hurt - badly - and you're responsible. You hang ... ... process. Purchasing public liability insurance online, where quotes are instant and transparent, is ... . Consumers didn't know what products were available in the marketplace ...

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BizCover SME Insurance Price Index Q1 FY20

... and professionals have seen material price reductions on their Public Liability insurance ... , while prices have remained steady across other and professionals have seen material price reductions on their Public Liability insurance ... , while prices have remained steady across other products and occupations ...

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Small Business Insurance Index

Despite strong price increases in the business insurance market, SMEs are continuing to benefit from flat pricing. Whilst the market at large has seen an increase in ... , there have been changes within product groups and industries. The Full Report ... , and both sectors saw no changes to the cost of their Public Liability ...

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Dishing up the facts on food business insurance

... an overwhelming choice of policies and policy options [] ... food businesses consider? Public Liability Insurance Dishing up food and beverages to the ... as deep fryers and ovens to produce your final product. That's ...

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7 Types of Insurance Your Small Business Should Consider

If you own a small business, there's no denying one the most important things you need to protect your assets is Small Business Insurance. But what kind of insurance ... , your revenue, and your liabilities. Public Liability Insurance Every business should consider Public Liability Insurance - even ... site where you can compare products closely and choose one that meets ...

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The Art of Being a Creative Small Business

... many diverse paths to channel and sell creative skills, the industry ... from poets to photographers, screenwriters and many more. Any small business ... to share your creative talents, products or services with the world ... and tools, for others it may be a requirement to hold Public Liability ...

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Progressive Distillery in Hobart Tasmania, defeats hundreds of others Small Businesses Nationwide to become the latest winner of BizCover's $2000 grant, BizGiver.

Deviant Distillery, a high tech distillery in Hobart Tasmania, is doing something no one has even though of before. They've developed their own propriety technology that ... creating such an ambitious product, time and money are always in short ... this award and garnering public support for our efforts and our business means ...

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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 ... not necessarily offer the best product for your business, which is ... 'll let you compare key product features and benefits, as well as ...

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BizCover Customers' Top Tips To Grow A Business

... take the plunge and start a business? Also, and perhaps most importantly ... secret to sustaining that motivation and passion in order to ... growth. Sustained confidence in their product and or service is their prime ... toes. Continued confidence in their product and or service is what keeps ...

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7 Steps for Your Business to Survive and Thrive

... your ticket to a freer and more relaxed lifestyle, right? By ... ... expenses and noticeably boost your annual income. Step 7: Boost your product ... existing customers, through offering new products and services, upgraded services or discounts ...

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Tips for making a Stress-Free Claim

... get your business back up and running as quickly as possible ... potential claims a stress-free and time-saving process. Be Prepared ... ... read your insurance policy's Product Disclosure Statement (aka PDS) cover ... you afford to relocate and pay rent and the running cost of ...

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A $2,000 Wish for Your Small Business

... aspect of running a business and you'll most likely get ... task of balancing business expenses and managing the cash [] ... finalists, and from there the winner will be determined by public voting ... must be for a tangible product or a service, up to ...

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Is your Small Business Summer Proof?

... enjoy, including plenty of public holidays, long days and great weather. But ... own unique set of challenges and risks every small business ... enjoy, including plenty of public holidays, long days and great weather. But ... it is by reading your Product Disclosure Statement. The hot months ...

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Customer Spotlight: Yummy Dogs

... dogs. Eight years in, and Yummy Dogs founder Olaf is ... hot dogs, bake-fresh buns and a range of lip-smacking ... relishes. For chef Olaf, born ... -class relish, hot pepper, pickle and salsa products. “Today we cater for ... . “We undertake product promotions, cater for exhibitions and conferences, and can provide a ...

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What is a Cabinet Maker?

... that specialize in designing and making built-in or ... cabinets. They also design and manufacture fine wood furniture that ... also repairs or ... into elegant designed cabinets and other woodworking products. Is there a Difference ... , they both work with wood products, and are both considered professional woodworking ...

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8 Lessons for Small Businesses from your Footy Finals Teams

... , cars are adorned with streamers and there's an air of ... excitement and anticipation as to just who ... wear. It's finals fever, and it ... culture? Can you provide a product or service better than your ... want to instil a positive and productive attitude. Regardless if you ...

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Toolbox of Tips for Tradies National Health Month

... raise awareness around the health and safety of tradies. According to ... -third of the Australian workforce and represent over half of the ... ... in the works and the unexpected happens, this product can provide financial ... protection and peace of mind ...

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10 small businesses share what they love about their small business

... from a variety of industries and asked them what they love ... the challenges to the flexibility, and everything in between, read on ... ... the business. From the skincare products and the results they create to ... being able to provide financial/product sponsorship support to many countries ...

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Sto Lat Restaurant & Café wins the BizGiver grant

... grant, the Sto Lat Restaurant and Caf! The restaurant specialises in ... Polish and European cuisine, while offering a ... unique, and for ... customers always demand new and exciting experiences and you need to give ... and what you sell, no one will know how great your product ...

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The Risky Business of Insurance

... clients, cash flow, staff, stock and future planning. Managing business risk ... and ensuring that a business can ... businesses are uninsured ... ' and 'nice to have' insurance. Examples of “must have” insurance: Public Liability– protects ... against legal and court costs in the ...

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44 Ways Apps Can Increase Your Productivity

... you manage your workload. Entrepreneurs and small business owners must find ... 44 tools that every entrepreneur and small business owner should ... you manage your workload. Entrepreneurs and small business owners must find ... 44 tools that every entrepreneur and small business owner should consider ...

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Cyber Liability Insurance: the safety net small businesses need

... to hit, but the wider public is now starting to realise ... the globe, particularly in Australia and especially to small businesses. The ... , no ... to hit, but the wider public is now starting to realise ... few basic preventative measures and robust Cyber Liability insurance, small business' are ...

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Scooter & Jinx wins BizGiver Grant

... , SCOOTS AHEAD OF THE COMPETITION AND WINS THE BIZGIVER $2000 SMALL ... coffee shop. Walk inside though and you'll find some of ... ... great coffee, legendary gourmet toasties and fantastic customer service. “My wife ... goods, machinery to laptops, websites and even branding. It was started ...

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Help Protect your small business' reputation

... a small business, your brand and its reputation are priceless. No ... strong relationships with your customers and clients, and it can take ... civil fines and penalties, Management Liability insurance can also offer a Public Relations ... 000 to cover reasonable public relations fees and expenses to assist in ...

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Comparing Portable Equipment & Electronic Equipment Cover

... insurance isn't always straightforward, and sometimes you need to get ... what insurance is being offered and which one is right for ... Insurance ... Insurance options like Portable Equipment and Electronic Equipment cover, so let ... exclusions. The Verdict Portable Equipment and Electronic Equipment coverage have some ...

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Customer Spotlight: Being Brands

... their clients, from logo designs and websites to fully realised creative ... ... her experience in marketing and project management, and a lot of hard ... together on Fridays and birthday celebrations with balloons and cupcakes. “Our fun ...

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BizCover wins dual accolades over two big nights

Over the last 48 hours, BizCover has picked up two awards, both highlighting their commitment to building a better customer experience in the Small Business Insurance ... ranks the 50 fastest growing public or private technology companies, based ... technology platfrom,” said BizCover founder and CEO, Michael Gottlieb, “we are ...

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Customer Spotlight: Cazeil Creative

... would save in a fire and the most common answer is ... our lives, recording personal and historical memories. And no one knows this ... ... our lives, recording personal and historical memories. And no one knows this ... for a year and has already captured weddings and international events. “My ...

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Customer Spotlight: Elite Words

... of the organisation's website and content, Natalie decided to strike ... ... of the organisation's website and content, Natalie decided to strike ... , proofing, content strategy, content analysis, and content audits. “I love working ...

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Taking the W: The Art of Celebrating a Win

... on the nature of risk and we pride ourselves on the ... for the wins as well, and [] ... someone who regularly clocked in and experienced the satisfaction of charting ... . Give them kudos & make it public) TALK (Let people know about ...

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Customer Spotlight: Cheaper Buy The Dozen

... jump to the wine industry and started the online wine delivery ... its first four years, Mansel and his team have grown the ... ... on customer service, and insistence on high-quality products. “We only sell ... FREE SHIPPING to BizCover customers and friends. Simply use the code ...

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Pet Stays, becomes the 32nd BizGiver winner

Pet Stays, a pet sitting & care provider, has been crowned the 32nd Winner of BizCover Insurance's BizGiver $2000 Small Business Grant, winning an SEO package. PetStays ... brand to both potential clients and pet sitters around Australia,” enthuses ... insurance, said Michael Gottlieb, Founder and Managing Director of BizCover, “Having ...

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

Whilst the market seems to be hardening for insurance for larger businesses, the latest BizCover Small Business Insurance Price Index is showing no change in pricing ... keeping prices down. Professional Indemnity and Public Liability, including multiple section business packs ... BizCover commented: “The continued competition and low loss ratios in the ...

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5 Surprising Things Business Insurance Can Cover

... things such as their legal liabilities and top of mind assets such ... as their building, contents and stock. But did you know ... ... counters, shelving, fixed mirrors, and ceramic and porcelain items too. It can ... to ensure you have your Public Liability cover in case a customer ...

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A Close Shave with Underinsurance

... as your business is growing and changing its important to ... Insurance grows with your business and you're not left exposed ... businesses in Australia ... Salon, upgrading the chairs, interiors and other equipment. It wasn't ... , but with wild weather, blackouts and other natural disasters becoming more ...

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Small Business Resolutions for 2017

... both your personal life and business life and set some goals to ... business in the right direction. And if [] ... both your personal life and business life and set some goals to ... in to my business and make my products look more professional.” 3 ...

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Insurance Premiums for Retailers Continue to Climb

... has been released (Graph 1), and similar to quarter 2 of ... ... sector, but the index for Public Liability and Business Packs increased 4 points ... a massive 8 points for Public Liability and Business Packs, most other industries ...

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Preparing your store for the holiday season ahead

... mean an increase in safety and security risks. Here are a ... protect your customers, your business, and your assets. Take safety [] ... payment for compensation and legal expenses. Ensure your Public Liability insurance policy has ... to protect you and your business against a public liability claim. Reduce shoplifting ...

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5 Tips for an Insurance Health Check

... that if the unthinkable happens and your business is hit by ... ... advice that has been provided. Public Liability Protection against the damages from ... claim (Business Interruption) Management Liability Protects businesses and business directors including their ...

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Insurance Considerations for Personal Trainers

... your clients achieve their goals and transform their lifestyles, but it ... consider how to protect yourself and your business from the [] ... these types of risk consider public liability insurance which will provide financial ... ,000,000 Professional Indemnity and $10,000,000 Public Liability. A combined policy ...

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Small Business Continues to Win on Insurance Prices!

BizCovers Quarterly Price Index shows that despite rising pressure, prices remain flat for small business. Recent financial results from the major insurers all indicate ... the changes were not substantial and premiums have remained high enough ... , due to the significant competition and capacity currently in the Australian ...

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6 Areas You May Not Have Thought Business Insurance Covers

... to protect your business assets and revenue against potential risks that ... , such as fire, storms, theft and accidental damage. When insuring your ... , laptops, projectors and photocopiers), appliances (fridge, microwave and dishwasher), and any other fittings ... other essential covers such as Public Liability and Professional Indemnity insurance to ensure ...

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5 Reasons to love Personal Accident Cover

Personal Accident and Illness Insurance (IPA Cover)offers ... ... with being flexible and adjustable, most Personal Accident and Illness cover will ... rehabilitation or retraining. Personal Accident and Illness Policies start from $450 ...

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Professional Indemnity for Real Estate Agents

... arising out of acts, errors and omissions from professional services provided ... licenses under the Property, Stock and Business Agents Act 2002 ... transaction documentation, conflicts of interest and allegations of fraud. Misrepresentation A ... stated in the advertising material and liability on the real estate agent ...

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Small Business Insurance Price Index Q3

Insurers hold on to SME Insurance Premium Price Increases! Despite a drop in some rates, some insurers are holding on to pricing gains made last quarter. The latest Quarterly ... non professional sector, primarily around Public Liability and Business Packs (predominately covering perils ... distribution channels, predominantly around trades and services. However insurers have managed ...

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Why having an office inventory list is essential.

... , that is until something happens and the time comes to claim ... the big things, computers, machinery and the like, but what about ... ... list will help consolidate records and manage your response to such ... as serial numbers, value and purchase dates and remember to keep copies ...

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5 Legal Essentials for your Small Business

... of law including family, commercial, and personal injury. She has a ... to justice in the community and growing small businesses. You may ... ... or clients. If you sell products, your T&Cs will cover ... (ACL); Dispute resolution procedures; and Limitations of liability and disclaimers. If you provide ...

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

... control of your earning potential and the upside can be great ... of outlays to make initially and deciding what you spend your ... limited resources ... setting up and establishing itself. If you rent your premises, public liability may ... have at least $5 million public liability cover to secure work with ...

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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 SME's may have enjoyed the end of declining insurance premiums with an increase of 5 points ... the non professional sector with Public Liability and Business Packs (predominately covering perils ... unprecedented capacity in the marketplace and therefore it is unlikely insurers ...

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Getting the Best Value on Your Business Insurance

... is now in full swing, and if you're like some ... with your money in 2016 and perhaps even save more! Whilst ... ... grown you could be underinsured, and whilst you might be making ... at your business as risky and price your policy premium accordingly ...

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Preparing your small business for a Tax Audit

... , audits are generally time consuming and quite stressful. Here are 4 ... ... , audits are generally time consuming and quite stressful. Here are 4 ... you, but keeping your personal and business finances separate, including bank ...

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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 ... cover options such as Management Liability and Cyber Liability are little known but ...

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Business Basics for Cabinet Makers

... serving your current customers, and develop high-quality products? These are the ... ... serving your current customers, and develop high-quality products? These are the ... , what projects they prefer, and the styles and trends of cabinets in ...

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Marketing Basics for Cabinet Manufacturers

Seek Feedback and Testimonials from Customers In order ... ... -quality materials, and infuse creativity into designing superior products that customers love ... affordable and effective method for introducing your brand, service, or products to ...

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Digital Marketing Tips for Cabinet Makers

... best cabinetmaker needs new business and customers. While several professional woodworkers ... ... best cabinetmaker needs new business and customers. While several professional woodworkers ... (with your contact information and website) and prepare a 30-second elevator ...

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Top trends in the furniture industry

... financial crisis in 2008-2009 and the European debt crisis in ... for computers, desks, office chairs, and filing cabinets. Consumers quickly found ... worthwhile for manufacturers and companies to offer these products. To protect your ... to pay off as the public learns to distinguish between varied ...

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Challenges of the Furniture Manufacturing Industry

... types of furniture. Basic storage and comfort are no longer the ... ... skilled labour shortages, increasing costs, and fluctuating customer demand. Most manufacturers ... a competitive environment. Cost increases and potentially rising employee wages are ...

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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: