Public Liability Insurance in Brisbane

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Public Liability Insurance in Adelaide

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Public Liability Insurance in Newcastle

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Public Liability Insurance in Perth

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Public Liability Insurance in Rockhampton

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Public Liability Insurance in Mandurah

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Public Liability Insurance in Hobart

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Public Liability Insurance in Darwin

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7 Types of Insurance Your Small Business Should Consider

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Public Liability Insurance

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What is Public Liability Insurance?

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Legal Requirement for Public Liability Insurance

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Dishing up the facts on food business insurance

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Public Liability

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BizCover SME Insurance Price Index Q1 FY20

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5 Surprising Things Business Insurance Can Cover

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

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The Art of Being a Creative Small Business

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The Risks of Growing Your Small Business

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Small Business Index July 2015

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Insurance Premiums for Retailers Continue to Climb

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Things you didn't know about small business insurance

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PI Index: Premiums Decline 10 Straight Quarters

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5 Tips for an Insurance Health Check

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The Risky Business of Insurance

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Our Customers Get Their Bad Business Habits Out of Their System

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Small Business Insurance Index

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

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5 Common Beauty Insurance Claims

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Small Business Insurance Price Index Q3

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

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Cyber Liability Insurance: the safety net small businesses need

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Help Protect your small business' reputation

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Who is Covered Under an IT Liability Policy?

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

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Insurance for Furniture Manufacturers

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Do I need insurance for my market stall?

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Insurance for architects- the blueprint to success

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The Easter Bunny's Guide to Business Insurance

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A $2,000 Wish for Your Small Business

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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: