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 ... ... to have public liability insurance. Legal Requirement for Public Liability Insurance Although public liability insurance is ...

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Public Liability Insurance in Hobart

... business deserves. What does Public Liability insurance cover? Public Liability insurance covers claims for ... **per month for a Public Liability insurance policy. Public Liability insurance is one of ...

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Public Liability Insurance in Darwin

... business deserves. What does Public Liability insurance cover? Public Liability insurance covers claims for ... **per month for a Public Liability insurance policy. Public Liability insurance is one of ...

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Public Liability Insurance in Perth

... business deserves. What does Public Liability insurance cover? Public Liability insurance covers claims for ... **per month for a Public Liability insurance policy. Public Liability insurance is one of ...

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Public Liability Insurance in Rockhampton

... business deserves. What does Public Liability insurance cover? Public Liability insurance covers claims for ... **per month for a Public Liability insurance policy. Public Liability insurance is one of ...

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Public Liability Insurance in Mandurah

... business deserves. What does Public Liability insurance cover? Public Liability insurance covers claims for ... **per month for a Public Liability insurance policy. Public Liability insurance is one of ...

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Public Liability Insurance in Brisbane

... business deserves. What does Public Liability insurance cover? Public Liability insurance covers claims for ... **per month for a Public Liability insurance policy. Public Liability insurance is one of ...

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Public Liability Insurance in Adelaide

... business deserves. What does Public Liability insurance cover? Public Liability insurance covers claims for ... **per month for a Public Liability insurance policy. Public Liability insurance is one of ...

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Public Liability Insurance in Port Macquarie

... business deserves. What does Public Liability insurance cover? Public Liability insurance covers claims for ... **per month for a Public Liability insurance policy. Public Liability insurance is one of ...

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Public Liability Insurance in Newcastle

... business deserves. What does Public Liability insurance cover? Public Liability insurance covers claims for ... **per month for a Public Liability insurance policy. Public Liability insurance is one of ...

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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 ... , or even member of the public, sue your business for ... laws regarding requirements for holding Public Liability insurance. Each state and territory ... contracts also have requirements for Public Liability insurance. For example, most building ...

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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 ... any way you should consider Public Liability insurance. For example:^ Consultants/Contractors ...

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Public Liability

... of your negligent business activities. Public Liability Insurance also provides assistance with ... covered by the policy. Public Liability explained further… Product Liability explained further… Independent ...

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Who is Covered Under an IT Liability Policy?

... information technology sector face potential liabilities from clients and third parties ... ... combine Professional Indemnity (PI), Public Liability and Products Liability to cover the IT ... having professional indemnity, products liability and public liability contained in the same policy ...

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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 ... revenue, and your liabilities. Public Liability Insurance Every business should consider Public Liability Insurance - even ... small business out of business! Public Liability Insurance explained. Professional Indemnity ...

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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 ... good to have your Professional Liability and Public Liability cover combined through the ...

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Keep calm and stretch on with Yoga Teacher insurance

Breathe in, breathe out, and let a wave of calm wash over, letting the stress of arranging your yoga teacher insurance go. As a yogi or yogini, you don't have time to ... claims and circumstances Property damage Public Liability insurance When you work closely ... their yoga teacher members: $10m Public Liability $5m Professional Indemnity (malpractice), preferably ...

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Insurance for Furniture Manufacturers

... in the insurance marketplace. From Public Liability cover to a variety of ... ... you want is a liability claim. Public and Product Liability (often sold together ... about when protecting your business. Public Liability insurance is intended to provide ...

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

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What is Product Liability Insurance?

... need Product Liability Insurance? What is Product Liability Insurance? Product Liability insurance* protects ... usually forms part of a Public Liability policy and the word 'product ...

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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 ... two types of cover - Public Liability and Product Liability. Public Liability Public Liability covers you for the ... claims for legal liability if a member of the public or another ...

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Dishing up the facts on food business insurance

Flipping burgers, filleting fish, grinding coffee beans the fast-paced world of the food industry leaves no spare time to be left worrying about whether you have the ... even be compulsory, for example, Public Liability insurance is often required when ... insurance should food businesses consider? Public Liability Insurance Dishing up food and ...

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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 to get started? Which policy is right? How much cover is enough? Whether you're opening up a new business or have ... of cover available to businesses. Public Liability insurance covers against the legal ... Protection extension when taking out Public Liability insurance which covers defects in ...

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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 ... the owner and if your Public Liability policy includes this. Batten down ...

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Small Business Index July 2015

SMEs benefiting from declining insurance rates but is the tide turning? An oversupply of capacity and competition in the insurance market over the last few years has ... Indemnity, Combined Professional Indemnity & Public Liability and Public Liability /Business Packs. Michael Gottlieb, ... price. The Combined Professional Indemnity & Public Liability market, which is largely dominated ...

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BizCover SME Insurance Price Index Q1 FY20

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

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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 ... arising from your previous work. Public Liability Insurance If you're dealing ... chance of a claim occurring. Public Liability insurance is an essential form ...

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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 ... these types of risk consider public liability insurance which will provide financial ... services. Find Out More About Public Liability Insurance As a personal trainer ...

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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 ... would quickly follow. Having Product Liability coverage would assure the Easter ... , it could also represent a public liability risk, for which the Easter ...

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A guide to Plasterer's insurance that won't leave you, board

The world of plastering is varied, one day you're crafting decorative ceiling features, the next hanging drywall in an office complex. You've worked hard to get your ... 't be a liability Like most trades, Public Liability insurance is one of ... you to have your own Public Liability insurance policy before being able ...

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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, ... themselves, but the primary insurances - public liability and professional indemnity - are crucial ... You Do? Insure your legal liability! Public Liability (or 'PL') covers claims against ...

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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 ... and your business against a public liability claim. Reduce shoplifting The busier ...

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5 Tips for an Insurance Health Check

If your insurance is due for renewal or you are just wanting to do a general review of your business, it's worth taking time to do a health check of your insurance to ... advice that has been provided. Public Liability Protection against the damages from ... upping the level of your Public Liability insurance. Similarly, take into account ...

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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 ... . If you rent your premises, public liability may be a requirement from ... have at least $5 million public liability cover to secure work with ...

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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 ... costly without the right protection. Public Liability insurance can provide you with ...

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

One of the most common issues with Business Insurance is that policy owners often fail to understand what it does protect you against, and the risks that still remain ... insurance. Read the below carefully: Public Liability – This protects against the financial ... can work again. Cyber Liability Insurance – Cyber Liability Insurance protects against the ...

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PI Index: Premiums Decline 10 Straight Quarters

Business Insurance Premiums Decline 10 Straight Quarters, but have we seen the bottom? Australian SME's continue to benefit lower premium rates due to the abundance of ... groups, Combined Professional Indemnity/Public Liability and Public Liability/Business Packs are not seeing ...

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Insurance Premiums for Retailers Continue to Climb

Insurance Premiums for Retailers Continue to Climb The latest BizCover Small Business Insurance Price Index has been released (Graph 1), and similar to quarter 2 of last ... sector, but the index for Public Liability and Business Packs increased 4 ... a massive 8 points for Public Liability and Business Packs, most other ...

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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 ... to the cost of their Public Liability insurance. SME Professionals have been ... seeing increases in their Public Liability insurance over the last few ...

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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 ... help keep your business alive: Public Liability is an essential cover for ... are not found liable, your Public Liability policy will cover the associated ...

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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 public spaces. For those that teach ...

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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 online, compare quotes and buy the insurance that suits your business. But there ... may not cover your business liabilities or property. If you work ... put this in perspective, a public liability policy for an SME working ...

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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 ... . Examples of “must have” insurance: Public Liability– protects against legal and court ...

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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 ... 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 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 ...

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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 ... business insurance. Protect your livelihood Public Liability insurance is undoubtedly one of ...

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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 ... penalties, Management Liability insurance can also offer a Public Relations component which ... Regulatory Event or Investigation, Cyber Liability Insurance Can you imagine trying ...

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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 don't always go to plan, some things happen which are out of your control and have a big impact on the running ... even occurring at seemingly safe public spaces such as an Airport ... , investing in a backup generator. Liability Claims Another common claim seen ...

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Additional Cover for Professional Indemnity Insurance

By Kate Jones Clients frequently ask Hish Fernando for his certificates of insurance - it's just part of the business. Hish is the managing director of Information Mines ... the additional cover option of public liability. Hish says his clients expect ... . I definitely would recommend it.” Public liability protects businesses from bodily injury ...

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Big Bunny Business: An Interview with the Easter Bunny

This Easter we had the egg-citing opportunity to interview one of our favourite furry friends and expert chocolatier, the Easter Bunny! With a spring in his step and ... way! This is where my Public Liability Insurance offers me the protection ... is where my Product Liability component of my Public Liability Insurance comes into ...

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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 ... these types of risk consider public liability insurance which will provide financial ... services. Find Out More About Public Liability Insurance As a personal trainer ...

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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 ... would quickly follow. Having Product Liability coverage would assure the Easter ... , it could also represent a public liability risk, for which the Easter ...

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Insurance for Cabinet Makers- What You Need to Know

When it comes to building and creating quality pieces of craftsmanship, cabinet makers know a thing or two. This highly skilled trade involves having an eye for detail ... consider. Starting with the basics: Public Liability insurance One of the fundamental ... a legal requirement to have Public Liability insurance in place before you ...

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A guide to Plasterer's insurance that won't leave you, board

The world of plastering is varied, one day you're crafting decorative ceiling features, the next hanging drywall in an office complex. You've worked hard to get your ... 't be a liability Like most trades, Public Liability insurance is one of ... you to have your own Public Liability insurance policy before being able ...

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Insurance for pharmacy and pharmacists

... AHPRA and other regulatory bodies. Public Liability insurance* is another type of ... pharmacies Whilst Professional Indemnity and Public Liability insurance provides cover for legal ...

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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, ... themselves, but the primary insurances - public liability and professional indemnity - are crucial ... You Do? Insure your legal liability! Public Liability (or 'PL') covers claims against ...

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Insurance for Recruitment Consultants

... covered by your policy. Public Liability Insurance* Public Liability insurance is an easy choice ... to an insurable event. Cyber Liability* Consider the client and candidate ...

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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 ... and your business against a public liability claim. Reduce shoplifting The busier ...

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Insurance Glossary

... greater than $1,000,000. Public Liability sections are usually limited to ... each and every unrelated public liability claim. Product Liability sections are usually limited ...

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Business Insurance

... best. And you can include Public Liability Insurance to ensure you are ... not quite go to plan. Public Liability Building & Contents Glass Tax Audit ...

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Insurance for Sole Trader

... traders need to consider is Public Liability insurance. Public Liability insurance* is designed to ...  or a member of the public are injured or sustain property ...

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Insurance for Real Estate Agents

... are covered by the policy. Public Liability Insurance* It's likely that ... visiting your client's properties. Public Liability insurance is designed to provide ...

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5 Tips for an Insurance Health Check

If your insurance is due for renewal or you are just wanting to do a general review of your business, it's worth taking time to do a health check of your insurance to ... advice that has been provided. Public Liability Protection against the damages from ... upping the level of your Public Liability insurance. Similarly, take into account ...

read more

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 ... . If you rent your premises, public liability may be a requirement from ... have at least $5 million public liability cover to secure work with ...

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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 ...

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Taking the W: The Art of Celebrating a Win

In the insurance world, we focus on loss prevention. We're experts on the nature of risk and we pride ourselves on the level of protection we give small enterprises when ... . Give them kudos & make it public) TALK (Let people know about ...

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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 ... winner will be determined by public voting via the BizCover Facebook ...

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Professional Indemnity Claims: when should I notify my insurer?

Your Professional Indemnity (PI) insurance is no doubt one of the most vital covers you have for your business. If things don't quite go to plan it can provide much needed ... , as you might inadvertently admit liability which can result in your ... with the requirements Never admit liability or attempt to resolve a ...

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Professional Indemnity for Real Estate Agents

In the Real Estate Industry Professional Indemnity Insurance provides essential financial protection against potential losses arising out of acts, errors and omissions ... in the advertising material and liability on the real estate agent ...

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5 Legal Essentials for your Small Business

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

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

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Top trends in the furniture industry

The rise of telecommuting is driving the demand for home office furniture. The need for home offices increased during the financial crisis in 2008-2009 and the European ... to pay off as the public learns to distinguish between varied ...

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BizCover expands into New Zealand and launches BizCover.co.nz

Auckland, New Zealand - February 8, 2011. BizCover, the pioneer online insurance marketplace in Australia and leading provider of online professional indemnity insurance ... to add in Public Liability, Statutory Liability, Employers Liability, Employment Dispute Liability and other associated ...

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Insurance by Industry

... include: Professional Indemnity, Public Liability, Business Insurance, Management Liability, Cyber Insurance and Tax ...

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BizCover Celebrates Third Consecutive Fast 50 Ranking

BizCover has once again been listed by the Deloitte Technology Fast 50 Awards as one of Australia's fastest growing technology companies. BizCover remains the only commercial ... buy Professional Indemnity, Public Liability, Business Insurance, Management Liability and now Cyber Insurance ...

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Professional Indemnity Insurance for Consultants

A large number of people that start businesses, in Australia have been experiencing a steady growth in business for the past few years. One area that is growing in magnitude ... to add business insurance or public liability insurance for your own protection ...

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Investec Acquisition of BizCover the Right Decision

The acquisition of BizCover, an Australian-owned online professional insurance broker marks another key milestone for Investec. FOR IMMEDIATE RELEASE PRLog (Press Release ... products, including Business Insurance and Public Liability insurance. It has become the ...

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Prevention & Protection - The Big Burglary Buffers

If you've ever arrived at your shop or store to find a smashed window or broken door, you'll remember the sinking feeling and the despair that follows. Having your business ... with other insurances such as Public Liability. Even though it's called ...

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Employment Practices Liability

... Business Insurance Employment Practices Liability Cover* Employment Practices Liability (EPL) Insurance is ... . Did you know? Employment Practices Liability cover is provided on a ...

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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: