7 Types of Insurance Your Small Business Should Consider

If you own a small business, there's no denying one ... to protect your assets is Small Business Insurance. But what kind of ... as there are no two ... and your liabilities. Public Liability Insurance Every business should consider Public Liability Insurance - even ... enough to put a small business out of business! Public Liability Insurance explained. Professional ...

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Legal Requirement for Public Liability Insurance

Public liability insurance covers your business for losses or damage to ... Failure in obtaining public liability insurance policy can expose a ... public liability insurance is not a statutory requirement, most small to medium sized businesses ... statutory requirement, your business should be covered by public liability insurance in the ...

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Cyber Liability Insurance: the safety net small businesses need

... to hit, but the wider public is now starting to realise ... and especially to small businesses. The reality is, no small business is immune ... an attack. BIG ATTACKS ON SMALL BUSINESS As a business, holding sensitive ... generally included in Cyber Liability insurance are: · Business interruption costs · Data recovery ...

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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 ... screenwriters and many more. Any small business owner [] ... you. The Facts: Creative Small Businesses in Australia Small businesses within Australia are growing, ... be a requirement to hold Public Liability insurance before you can perform ...

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Things you didn't know about small business insurance

... the insurance sorted for your small business can be pretty straightforward, jump ... you may not know about small business insurance - which may ... insurance 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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Common Small Business Insurance Claims and How to Prevent them.

If you are a small business owner you know that things ... on the running of your business and your bottom line. Whilst ... ... personal items stolen. While most small businesses can't afford to implement the ... investing in a backup generator. Liability Claims Another common claim seen ...

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Small Business Insurance Price Index Q3

... quarter. The latest Quarterly BizCover Small Business Insurance Price Index has shown ... ... quarter. The latest Quarterly BizCover Small Business Insurance Price Index has shown ... non professional sector, primarily around Public Liability and Business Packs (predominately covering perils ...

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Public Liability Insurance in Adelaide

... much does Public Liability insurance cost for Adelaide businesses? On average, small businesses in ... Adelaide pay around $37.50**per month for a Public Liability insurance policy. Public Liability ...

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Public Liability Insurance in Perth

... much does Public Liability insurance cost for Perth businesses? On average, small businesses in ... Perth pay $33.80**per month for a Public Liability insurance policy. Public Liability ...

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Public Liability Insurance in Rockhampton

... does Public Liability insurance cost for Rockhampton businesses? On average, small businesses in ... Rockhampton pay $35.40**per month for a Public Liability insurance policy. Public Liability ...

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Public Liability Insurance in Mandurah

... much does Public Liability insurance cost for Mandurah businesses? On average, small businesses in ... Mandurah pay $28**per month for a Public Liability insurance policy. Public Liability ...

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Public Liability Insurance in Hobart

... much does Public Liability insurance cost for Hobart Businesses? On average, small businesses in ... Hobart around $29.30**per month for a Public Liability insurance policy. Public Liability ...

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Public Liability Insurance in Darwin

... How much does Public Liability insurance cost? On average, small businesses in Darwin pay ... around $30.80**per month for a Public Liability insurance policy. Public Liability ...

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Small Business Insurance Index

... strong price increases in the business insurance market, SMEs are continuing ... increase in the cost of business insurance, the BizCover SME Insurance ... strong price increases in the business insurance market, SMEs are continuing ... to the cost of their Public Liability insurance. SME Professionals have been ...

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What is Public Liability Insurance?

... public liability insurance?Claim Example What is Public Liability Insurance?* Public Liability insurance protects your business ... from Know Risk article Public liability insurance for small business Could this happen ...

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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 ... your business against accidents is a relatively simple process. Purchasing public liability insurance ... The traditional experience of buying small business insurance is - thankfully – long ...

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Public Liability

... Here's the lowdown on Public Liability insurance* As a small business owner you already ... a result of your negligent business activities. Public Liability Insurance also provides assistance ...

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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, ... accountant! Interest payments charged on business or investment loans are tax-deductible ... Do? Insure your legal liability! Public Liability (or 'PL') covers claims against ...

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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, ... The Combined Professional Indemnity & Public Liability market, which is largely dominated ...

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The Risky Business of Insurance

... Real Costs to Australian Small Business? Small business owners tend to ... and future planning. Managing business risk and ensuring that ... the Real Costs to Australian Small Business? Small business owners tend to be ... Examples of “must have” insurance: Public Liability– protects against legal and court ...

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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 When looking for Business Insurance, most small business owners typically worry about covering ... to ensure you have your Public Liability cover in case a customer ...

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

... journey to becoming a successful small business owner is one of twists, ... to help you stay in business for the long run. Strap ... ... We know that running a small business can be isolating, particularly if ... the ways business insurance can help keep your business alive: Public Liability is an ...

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

... Winner of Bizcover.com.au $60,000 'Small Business Buddy Program' Michelton resident Charlotte ... seniors, and thanks to Bizcover.com.au's Small Business ... micro, small and medium sized businesses buy Professional Indemnity, Public Liability, Business Insurance, Management Liability ... range of other small business programs such as the Small Business Champion Awards, which ...

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Our Customers Get Their Bad Business Habits Out of Their System

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Dishing up the facts on food business insurance

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Help Protect your small business' reputation

... it comes to running a small business, your brand and its ... take just one small mistake to destroy your business in minutes. As ... ... it also offers coverage for public relations expenses to help prevent ... damage whilst your business is under scrutiny. Management Liability Insurance Being the ...

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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 ... online - with almost 100,000 small business customers across Australia purchasing their ...

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Insurance Premiums for Retailers Continue to Climb

... to Climb The latest BizCover Small Business Insurance Price Index has been ... is showing an increase in small business insurance rates, with the ... to Climb The latest BizCover Small Business Insurance Price Index has been ... sector, but the index for Public Liability and Business Packs increased 4 points. ...

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PI Index: Premiums Decline 10 Straight Quarters

Business Insurance Premiums Decline 10 Straight ... competition in the business insurance market. The BizCover Small Business Insurance Index has ... competition in the business insurance market. The BizCover Small Business Insurance Index has ... product groups, Combined Professional Indemnity/Public Liability and Public Liability/Business Packs are not ...

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5 Tips for an Insurance Health Check

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

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

... the most common issues with Business Insurance is that policy owners ... ... insurance. Read the below carefully: Public Liability – This protects against the financial ... Owners will sometimes underestimate their business building and contents' value for ...

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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 ... Small Business Insurance Comparison Site, is a $2000 Small Business Grant that awards a Small Business ... high but seeing the public choose our business from such strong competition ...

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A $2,000 Wish for Your Small Business

... any small business owner about the most difficult aspect of running a business ... venturing down the path of business ownership is trying ... they've been granting wishes of small businesses around Australia since 2014 with ... winner will be determined by public voting via the BizCover Facebook ...

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Is your Small Business Summer Proof?

... to enjoy, including plenty of public holidays, long days and great ... of challenges and risks every small business should be aware of. Complete ... to enjoy, including plenty of public holidays, long days and great ... of challenges and risks every small business should be aware of. Complete ...

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5 Legal Essentials for your Small Business

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Minding Your Own Business: A Guide to Mindfulness for Small Business Owners

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5 Money Saving tips for Small Business

Most small business owners are conscious of their ... out or have been in business a while, you'll want to ... make the most of your business Most small business owners are conscious of their ... Smart Website Design For most small businesses having a web presence is ...

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The Business of Love: Small Business Couples Tell All - Part 2

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Small Business Continues to Win on Insurance Prices!

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Preparing your small business for a Tax Audit

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Small Business Resolutions for 2017

... both your personal life and business life and set some goals ... long way to focusing your business in the right direction. And ... ... recently asked a number of Small Business owners about their 2017 resolutions. ... professional.” 3. Cost cutting “My small business resolution; set new goals and ...

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The State of Small Business

It's that time of the year again, when we dust off the blue and maroon jerseys and battle it out on the footy field for the prestigious title of State of Origin champions ... New South Wales and Queenslander small businesses are currently facing. Find out ... of the Small Business Bravery Index (SBBI), we asked our small business owners to ...

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8 Lessons for Small Businesses from your Footy Finals Teams

It's that time of the year when cobwebs are brushed off jersey's, cars are adorned with streamers and there's an air of excitement and anticipation as to just who is ... finals contender, and just how small businesses can learn from their actions ... that goes into keeping your small business running. And it's not just ...

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How to Kickstart Your Best Year in Business

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The Best Thing Dad Told Me About Business

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Mum's the Word: Wise Words of Advice From Business Savvy Mums

... of the pearls of wisdom small business owners have been given by ... Reed-Enever, Co-Founder of Business, Business, Business My Grandmother told ... of the pearls of wisdom small business owners have been given by ... waste and recycling services to small businesses such as cafes, owner of ...

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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 ... of having professional indemnity, products liability and public liability contained in the same ...

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6 Areas You May Not Have Thought Business Insurance Covers

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5 Ways To Prepare Your Business Premises For The Cooler Seasons

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BizCover Customers' Top Tips To Grow A Business

... in order to grow your business once you've taken that plunge? ... ... of the person behind the small business they are supporting.” One Management ... it still doesn't quell typical small business fears of taxes stunting their ...

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What is Product Liability Insurance?

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

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The Easter Bunny's Guide to Business Insurance

Each year at Easter millions of kilograms of chocolate are purchased and consumed around the world. In Australia alone close to $200 million is spent on Easter chocolate ... it could also represent a public liability risk, for which the Easter ... He also has cover for Business Interruption, and should the unthinkable ...

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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 ... to protect you and your business against the financial risk in ... types of cover - Public Liability and Product Liability. Public Liability Public Liability covers you for ...

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Business Horror Stories

Running a business can be a wonderful rewarding ... think. 1 in 5 Australian businesses are the victims of a ... ... a small business, even shutting them down for good. A management liability ... them. Business Insurance cover options such as Management Liability and Cyber Liability are ...

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Business Basics for Cabinet Makers

... products? These are the fundamental business basics that all cabinet makers ... information below, we'll outline 12 business basics that cabinet ... products? These are the fundamental business basics that all cabinet makers ... licensing agencies. Your cabinet making business should also consider available insurance ...

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An effortless guide to becoming a paperless business

It's no secret that businesses are adopting more sustainable solutions ... time than now for your business to take the plunge and ... ... ever, improving processing times for businesses and the capacity for employees ... popular cloud-based applications used by businesses include: Dropbox: a sharing and ...

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7 Steps for Your Business to Survive and Thrive

... first few years. If your business is failing to thrive quite ... ... referral incentives for recommending your business to new customers. Running a ... a few targeted tweaks, a business delivering mediocre returns can really ...

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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 ... the best value on your business insurance. Cover yourself up! Check ... the difference between staying in business or going out of business. ...

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Insurance for Furniture Manufacturers

... to consider, like protecting your business if things go wrong. This ... is where business insurance comes into play and ... in the insurance marketplace ... insurance marketplace. From Public Liability cover to a variety of business insurances, in ... liability claim. Public and Product Liability (often sold together) are two types of business ...

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BizCover wins dual accolades over two big nights

... better customer experience in the Small Business Insurance space. On Tuesday night, ... honoured to win the Small Business Award for Business ... honoured to win the Small Business Award for Business Excellence at the Australian ... ranks the 50 fastest growing public or private technology companies, based ...

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Comparethemarket.com.au and BizCover Announce White Label Partnership

... comparethemarket.com.au have joined forces, offering small business customers an opportunity to compare ... provider of small business insurance ... comparethemarket.com.au have joined forces, offering small business customers an opportunity to compare ... provider of small business insurance, having helped over 90,000 Australian small businesses compare and ...

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Scooter & Jinx wins BizGiver Grant

... AND WINS THE BIZGIVER $2000 SMALL BUSINESS GRANT. Tucked away in Little ... ... ” explains Chris, “The support for small business in Melbourne and surrounds is ... $2000 small business grant that realises the wish of the winning small business every ...

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Pet Stays, becomes the 32nd BizGiver winner

... of BizCover Insurance's BizGiver $2000 Small Business Grant, winning an SEO package. ... ... in 2014, the BizGiver Small Business Grant (formerly Small Business Buddy) has given away ... over $55,000 in small business grants to small businesses. There has been ...

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44 Ways Apps Can Increase Your Productivity

For small business people time is money. Here ... manage your workload. Entrepreneurs and small business owners must find ways to ... tools that every ... manage your workload. Entrepreneurs and small business owners must find ways to ... tools that every entrepreneur and small business owner should consider to manage ...

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BizGiver finds it's latest winner in Wild Forage

... is crowned; Wild Forage, a small business supplying seasonal wild edible plants, ... ... is crowned; Wild Forage, a small business supplying seasonal wild edible plants, ... success is due to the small business community, who have embraced our ...

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A Close Shave with Underinsurance

Just as your business is growing and changing it ... exposed. A large number of small businesses in Australia are underinsured and ... ... exposed. A large number of small businesses in Australia are underinsured and ... that brings dread to any small business owner. Samantha realised that she ...

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100,000th Customer Spotlight - MB's Lawnmowing

... we now have over 100,000 small businesses insured through our service. Since ... continue to help as many small businesses to do the same. To .. ... we now have over 100,000 small businesses insured through our service. Since ... continue to help as many small businesses to do the same. To ...

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Time Saving Apps to Take Back Your Time

... skills you gain as a small business owner is the ability to ... ... skills you gain as a small business owner is the ability to ... multiple projects. Dropbox: with more businesses working remotely and online, Dropbox ...

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BizCover SME Insurance Price Index Q2 FY20

More larger businesses with simple insurance needs are ... BizCover for their insurance, while smaller businesses benefit from steady prices yet ... ... BizCover for their insurance, while smaller businesses benefit from steady prices yet ... on the BizCover platform. While smaller businesses with less revenue have benefited ...

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Insurance Considerations for Personal Trainers

... to protect yourself and your business from the [] ... to protect yourself and your business from the different risks that ... these types of risk consider public liability insurance which will provide financial ...

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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: