Public Liability Insurance for Cabinet Makers

... up your tools. Protecting your business against unplanned challenges, like an ... with the right kind of business insurances in place. Regardless ... not be responsible for. Your Public Liability insurance covers your reasonable legal costs, even if you are not found negligent. At BizCover we care about helping Australia's small businesses get protection. We deliver ...

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Do I need Public Liability insurance?

... you can legally operate, Even though it's not required by law for most businesses, all small businesses should r hold Public Liability insurance to protect them against personal injury caused to a third-party or damage ...

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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 ... up a new business or have been in business for a while ... ... the condition of your lease. Below is a summary of the key areas of cover available to businesses. Public Liability insurance covers against the legal costs for claims of injury or property damage to 3rd parties due to ...

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What is Public Liability Insurance?

... something during the course of their operations. Chances are like many other small businesses, if you were faced with a public liability claim, the financial impact of paying the claim and associated legal fees ...

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

... 're a sole trader or small business owner, there's no doubt ... of protecting your business and your customers with Public Liability insurance If you're a sole trader or small business owner, there's no doubt you're aware of the importance of protecting your business and your customers with Public Liability insurance. It offers protection should a customer, ...

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Public Liability Insurance in Brisbane

... the policy period How much does Public Liability insurance cost? On average, small businesses in Brisbane pay around $55**per month for a Public Liability insurance policy. Public Liability insurance is one of the most ...

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Public Liability Insurance in Adelaide

... activities. It's clear that the legal costs of a public liability claim could pose a financial burden to a small business. Public liability Insurance gives you peace of mind by picking up the reasonable legal and ...

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Public Liability NSW

... customers rated our service at excellent. How much do Trades & Service pay for Public Liability Insurance? The average amount a small business operating in the Trades & Service industry in New South Wales can expect to ...

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Public Liability Insurance in Hobart

... Concretor How 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 insurance is one of ...

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Public Liability Insurance in Darwin

... the policy period 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 insurance is one of the most ...

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Public Liability Insurance in Port Macquarie

... activities. It's clear that the legal costs of a public liability claim could pose a financial burden to a small business. Public liability Insurance gives you peace of mind by picking up the reasonable legal and ...

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Public Liability Insurance in Perth

... policy period How 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 insurance is one of ...

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Public Liability Insurance in Rockhampton

... activities. It's clear that the legal costs of a public liability claim could pose a financial burden to a small business. Public liability Insurance gives you peace of mind by picking up the reasonable legal and ...

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Public Liability Insurance in Mandurah

... period How 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 insurance is one of ...

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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 ... it comes to insuring ... of dollars), and could be enough to put a small business out of business! Public Liability Insurance explained. Professional Indemnity Insurance If your business or profession involves providing a service or advice, then ...

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Public Liability WA

... our customers rated our service at excellent. How much do Trades & Service pay for Public Liability Insurance in WA? On average, a small business operating in the Trades & Service industry in WA paid around $70.82 per ...

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Public Liability QLD

... monthly premiums below. How much do Retailers pay for Public Liability Insurance? The typical amount a small business Retailer can expect to pay for Public Liability insurance in Queensland is around $76.81 per month ...

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Legal Requirement for Public Liability Insurance

Public liability insurance covers your business for losses ... of your business' activities. Failure in obtaining public liability insurance ... is advisable to have public liability insurance. Legal Requirement for Public Liability Insurance Although public liability insurance is not a statutory requirement, most small to medium sized businesses do take out ...

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Help Protect your small business' reputation

... it comes to running a small business, your brand and its reputation ... take just one small mistake to destroy your business in minutes. As ... Liability insurance can also offer a Public Relations component which will assist with protecting your business' ... Unfortunately, hackers are out there, and small to medium-sized businesses are prime targets. In fact, 60% ...

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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 ... systems are vulnerable to breaches. By implementing a few basic preventative measures and robust Cyber Liability insurance, small business' are ensuring they are able to survive cyber-attacks, now and in the future ...

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

... Bizcover.com.au $60,000 'Small Business Buddy Program' Michelton resident Charlotte ... to Bizcover.com.au's Small Business Buddy program that dream ... service and is changing the way micro, small and medium sized businesses buy Professional Indemnity, Public Liability, Business Insurance, Management Liability and now Cyber Insurance. BizCover provides multiple ...

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The Art of Being a Creative Small Business

... 're running your own business as a small team or flying solo ... , screenwriters and many more. Any small business owner [] ... a small business: The ... business insurance as a creative professional include if you are an artist out and about, protecting your portable equipment and tools, for others it may be a requirement to hold Public Liability ...

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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 ... the insurance that suits your business. But there are a few ... insurance policy might not cover all the liabilities related to your business. As an example most home and ... lower premium. To put this in perspective, a public liability policy for an SME working from home generally ...

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How to hire quality tradesmen for your small business with Oneflare

When hiring tradesmen for your small business, you don't have any ... ... Public Liability Insurance This is the most common and essential form of insurance for tradespeople. It covers the business ... the eye. Get the right price As a small-to-medium business owner, you may have a very specific ...

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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 ... ... of spills, falls, theft and power surges. One Small Business recently had to make a claim to replace their ... the broken freezer, investing in a backup generator. Liability Claims Another common claim seen all too often is ...

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Small Business Insurance Price Index Q3

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

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Small Business Index July 2015

... down the price of professional/business insurance for Australian SMEs. Since ... ... biggest drop in prices since the index started of 38% lower than the base value only 3 years ago. Public Liability /Business Packs have not enjoyed as much of a drop in prices, falling only 20 points since FY 2012/13 ...

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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 ... has seen an increase in the cost of business insurance, the BizCover SME Insurance Price Index shows ... of their Public Liability insurance. SME Professionals have been seeing increases in their Public Liability insurance ...

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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, ... and ultimately diluting your brand. Ask yourself if the business is scalable. If you hire some help, could they ... Can You Do? Insure your legal liability! Public Liability (or 'PL') covers claims against personal injury ...

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How much does Public Liability Insurance Cost?

... the insurance provider you choose. We have put together a snapshot of how much Public Liability insurance can cost for a small business, by analysing data from policies sold by BizCover during the 2018/19 financial year ...

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Public Liability Insurance Scenario

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 ... against accidents is a relatively simple process. Purchasing public liability insurance online, where quotes are instant and transparent, is a prudent choice for small business and one that can provide instant peace-of ...

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What does Public Liability insurance cover?

... clients, suppliers or members of the public. As a small business owner, we understand that you like ... pocket. Bear in mind that Public Liability insurance is designed for all types of businesses, not just those who ...

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Public Liability

What’s included & what’s not?Get the right coverPublic Liability Insurance cost Here's the lowdown on Public Liability insurance* As a small business owner you already have lots to worry about. From paying your employees ...

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Business Insurance in Melton

... .” Nixon N. Church Operation How much does Public Liability insurance cost? On average, small businesses in Melton pay $79.55** a month for their business insurance package. Business insurance is one of the most popular ...

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Home Based Business Insurance

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

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Business Insurance on the Central Coast

... Repair and Maintenance How much does Business insurance cost? On average, small businesses on the Central Coast pay around $68.66 a month**for a Business insurance policy. Public Liability insurance is one of the most ...

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Business Insurance in Townsville

... , cover is available for public liability, tax audit, employment practices and statutory liability risks. According to the Australian Bureau of Statistics, there are 11 601 small businesses in Townsville, with 1604 ...

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Business Insurance on the Gold Coast

... , cover is available for public liability, tax audit, employment practices and statutory liability risks. According to the Australian Bureau of Statistics,1 there are 68,088 small businesses in the Gold Coast, with ...

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Business Insurance in Cairns

... addition, cover is available for public liability, tax audit, employment practices and statutory liability risks. According to the Australian Bureau of Statistics,1 there are 13 548 small businesses in Cairns, with 1948 ...

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Business Insurance in Bundaberg

... addition, cover is available for public liability, tax audit, employment practices and statutory liability risks. According to the Australian Bureau of Statistics,1 there are 6277 small businesses in Bundaberg, with 673 ...

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Business Insurance in Newcastle

... addition, cover is available for public liability, tax audit, employment practices and statutory liability risks. According to the Australian Bureau of Statistics,1 there are 13,057 small businesses in Newcastle, with 1 ...

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Business Insurance in Geelong

... , cover is available for public liability, tax audit, employment practices and statutory liability risks. According to the Australian Bureau of Statistics,1 there are 17, 603 small businesses in Geelong, with 2732 ...

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The Risky Business of Insurance

... Real Costs to Australian Small Business? Small business owners tend to be ... and future planning. Managing business risk and ensuring that ... a ... a small business owner make savvy insurance decisions? Define “must haves” It's important to distinguish between 'must have' and 'nice to have' insurance. Examples of “must have” insurance: Public Liability– protects ...

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Business Insurance in Bunbury

... , cover is available for public liability, tax audit, employment practices and statutory liability risks. According to the Australian Bureau of Statistics,1 there are 2897 small businesses in Bunbury, with 305 additional ...

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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 ... liabilities and top of mind assets such as their building, contents and stock. But did you know you can get cover for most risks that a small business ... Public Liability cover in case a customer or member of the public ...

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Business Insurance in Wollongong

... , cover is available for public liability, tax audit, employment practices and statutory liability risks. According to the Australian Bureau of Statistics,1 there are 13 201 small businesses in Wollongong, with 2 ...

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10 small businesses share what they love about their small business

... they love most about their small business. From the challenges to the ... Encore Admin Consulting (virtual assistant business) For Korryn, it is ... his with customers, handle his finances and find more efficient ways of getting the job done. Are you a small business looking to share the love? Contact us at marketing@bizcover.com.au with what you love about your ...

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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 ... online Small Business Insurance Comparison Site, is a $2000 Small Business Grant that awards a Small Business or ... project has been high but seeing the public choose our business from such strong competition has really made ...

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The Other Virus - Making Your Small Business Cybersafe When Working From Home

... another virus plaguing small business owners working remotely cyber-crime. Small business owners and ... risks that can damage their business ... operating remotely, now is an important time to consider protecting your business with Cyber Liability insurance. The current climate for small businesses is already disrupted enough, how could it cope with the stress ...

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Life after lockdown - How to re-open your small business

... are beginning to ease and businesses are slowly starting to head ... the right direction for Aussie small businesses and the economy. If you ... ... 000 COVID-19 related scams and over $700,000 in losses since the outbreak of the virus. Small businesses are not immune from cyber-crime and Cyber Liability insurance can be a wise choice when it comes to protecting your ...

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Top 5 Reasons for Having Professional Indemnity and Public Liability Insurance

... worked hard to build your business, so it makes sense to ... and maintain Professional Indemnity and Public Liability insurance. #1 Protection against ... worked hard to build your business, so it makes sense to protect it. Below are the top 5 reasons NHAA members should hold and maintain Professional Indemnity and Public Liability insurance. #1 Protection against claims ...

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Public Liability PPC

... clumsy people from being clumsy. But you can protect your business against claims that are made for personal injury or property damage. Public Liability Insurance does just that. It covers the expense of legal and ...

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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 weather. But along with these great perks, summer comes with its own unique set of challenges and risks every small business should be aware of. Complete ...

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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 ... winner will be determined by public voting via the BizCover Facebook page. You can enter as many times as you desire, providing your meet the entry criteria outlined below. You must be a small business - this means 20 ...

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5 Legal Essentials for your Small Business

... growing small businesses. You may be just starting out as a small business owner ... ... the community and growing small businesses. You may be just starting out as a small business owner, or are now ... ); Dispute resolution procedures; and Limitations of liability and disclaimers. If you provide services to ...

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Working From Home - An Insider Guide by Small Businesses

... 've asked a mix of small business owners to spill the beans ... ... to remote nutritionists, we've asked a mix of small business owners to spill the beans on what creative activities and ... in the power of positivity. “Many people find public praise for a job well done a great motivator. ...

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Lifestyle Tradie Group trades up; next Small Business Buddy Winner

... Team wins the latest $2000 Small Business Buddy Wish from BizCover Insurance ... latest winners of BizCover's Small Business Buddy Wishes, with a ... 12, 2015: Angela and Andy Smith from “Lifestyle Tradie Group” are the latest winners of BizCover's Small Business Buddy Wishes, with a brand new server system for their Coaching Organisation. The Lifestyle Tradie Group ...

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Childers Local wins the latest Small Business Buddy Grant

... of the Bizcover $60,000 Small Business Buddy Program Grant Queensland,February ... animal grooming and pet care business Hannah's Hand Pet Care ... ever have.” Her career is about to get even more life-changing, as Hannah has been granted her “Small Business Buddy” wish of an online professional accreditation course in pet grooming. When asked about why she entered ...

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

... secret that running your own business involves hard work, determination, long ... plans, often involving holidays, increased business and better ... of mindfulness, making it easier to incorporate as part of your daily routine. Inside the minds of small business owners Small business owners are known to put their health on the back burner and not make it a top ...

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Latest Small Business Buddy Winner: Evermore Memories

... Winner of Bizcover.com.au 'Small Business Buddy Program' Evermore Memories, a ... new unique business based in Geelong Victoria, is ... latest winner ... $2000 monthly grant as a way to give back the small business community. “I have a relatively small budget [for 2015],” Mr Lyons explains “and as far as I know no other business is doing what we're doing. It means a great ...

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Small Business Movies to Inspire When in Self-isolation

... relief, these movies about fictional small businesses are sure to keep you ... 've got all kinds of small businesses covers, so hang up the ... ... The Corner, and Joe (Tom Hanks) wealthy owner of rival chain store Fox Books. Take-aways from the tale? Running a small business can be tough, and it's important to be able to adapt and have a plan B when things don't ...

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Pure Flowers is Pure Class Online Thanks to BizCover Small Business Grant

... , was already a highly successful Small Business at the end of 2015 ... were awarded the BizCover $2000 Small Business Grant BizGiver, having won ... over to our Facebook Page (or our entry page here for those without Facebook) and let us know your Small Business wish for your chance to win. Entries simply have to be invoiceable to be eligible. Pure Flowers Offer T ...

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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 ... make the most of your business funds ... to ensure your website stays up to date and relevant. 5. Shop Around for your Financial Services As a small business, you need to ensure that your finances are in good order, and that means having the right financial ...

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Small Businesses Combating Coronavirus: Pinot & Picasso

... impacted a range of local small businesses we all know and love ... . We reached out to various businesses in Australia's SME community ... have ... . And finally, do you have any other tips or strategies would you like to recommend to other small businesses owners? Definitely utilising social media and video content for promotion. There's never been so many people ...

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10 Tools Every Small Business Should Gift Themselves This Christmas

When you are running a small business you have to be many ... can help you manage your business more effectively. Here are our ... ... to constantly print out forms, sign them and then scan them again? HelloSign is an eSignature software for Small Businesses. The best part about HelloSign is that you can request signatures from up to 20 people, so when ...

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Small Businesses Combating Coronavirus: Fusion Movement Studio

... impacted a range of local small businesses we all know and love ... . We reached out to various businesses in Australia's SME community ... have ... and adapted to the situation to unveil the initiatives they have introduced to keep their business going. We hope we can play a small part in showcasing their hard work and ingenuity so more people can take advantage of ...

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Small Business Continues to Win on Insurance Prices!

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

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Preparing your small business for a Tax Audit

... audits of 100's of small businesses. Even if your books are ... that any audit of your business is as painless as possible ... ... tax office are going to want to see supporting documents to substantiate everything that you have put in your returns. Small businesses are required to keep all their records for a period of up to 5 years, so if you don ...

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5 Ways Digital Marketing Can Help Your Small Business During COVID

... there is one thing that small business owners have learnt during 2020 ... digital marketing can help your business stay in the game. We ... digital ... support If you need more assistance with digital marketing strategies and growing your business online, contact Australian Small Business Advisory Services (ASBAS). The ASBAS Digital Solutions team can provide help with ...

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

... beans of what running a small business together is really like. From ... on what jumping into the business bed together is like. Mums ... ... part two of our Valentines Day special, chatting to couples who spill the beans of what running a small business together is really like. From learning to give each other space to learning each other's hidden talents ...

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Small Business Day 2017

... and account for half of its Gross Domestic Product (GDP). So even though they may be small they pack a big punch! Small Business is big business to us! So to celebrate, we're giving a $25 gift voucher to all policies ...

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What's in it for S(Me)?: Customer loyalty marketing for small businesses

... on a recurring basis. A business may give points, like the ... Qantas Business Rewards program, or other incentives ... ... at key moments like birthdays or anniversaries. Use Email Marketing & Social Media to Promote Rewards Most small business owners use email and social media as the key channels to reach their current customer base or to ...

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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 ... ... year to grow our new venture” “Start putting money in to my business and make my products look more professional.” 3. Cost cutting “My small business resolution; set new goals and trim the fat.” “My resolution is to ...

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How much Public Liability insurance do I need?

... choose is ultimately up to you. Many business contracts will include a minimum amount of Public Liability insurance to be in place -stipulating the amount of Public Liability insurance you are required to have to comply ...

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Cyber Security For Small Business

... Scheme? What to do in the event of a cyber attack or data breach What is Cyber Liability Insurance and why do small businesses need it? Download the White Paper Now Did you Know? The average cost of a cyber attack ...

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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 ... go off the field and take a look at some of the issues our New South Wales and Queenslander small businesses are currently facing. Find out who's kicking goals when it comes to levels of confidence, the constraints our ...

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Small Business Champions

... Awards program. Find out how you can pick up $2,000 for your small business here. Partnering with the Australian Small Business Champion Awards we support all of their ongoing initiatives and efforts. You can find ...

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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 ... spent some time looking at sporting teams and what makes them a top team, a finals contender, and just how small businesses can learn from their actions to be on that golden path to success. 1. Don't drop the ball – As ...

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Business Insurance Guide for the Self-Employed - Part 1

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

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How to Kickstart Your Best Year in Business

... great time to get your business ready for a successful year ... ... away. They can help put you on the right path when it comes to sorting out your business insurance. A few small changes to your small business can have a big impact. It's all about working smarter, not harder, so go on ...

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Get instant quotes

Here’s the lowdown on Public Liability insurance*

As a small business owner you already have lots to worry about. From paying your employees to getting stock delivered on time to generating new work opportunities – the list is endless! But have you taken the time to think about what an accident involving a third party could mean for your business?

As a small business owner, you have a legal responsibility to take reasonable steps for the safety of your customers, suppliers, community and their property. Public Liability Insurance is designed to provide protection for you and your business in the event a customer, supplier or a member of the public are injured or sustain property damage as a result of your negligent business activities.

Public Liability Insurance also provides assistance with the legal costs associated with managing claims that are covered by the policy.

 

Public Liability explained further…

Product Liability explained further…



Independent feedback from our customers rated our service at excellent.

What is typically included?**

Compensation for:

  • personal injury suffered by a third party (e.g. a customer, supplier or member of the public)
  • damage to property owned by a third party due to your negligent business activities
  • legal and defence costs associated with a covered claim
**Many public liability policies also provide cover for product liability.

 

What is typically not covered?* 

  • Injuries to your employees
  • Damage to your own property
  • Costs of rectifying faulty workmanship
  • Professional negligence
  • Contractual liability
  • Events occurring before or after the policy period

 

Download Public Liability Fact Sheet

Your Cover Options 

With BizCover you can choose from 3 limits of liability (levels of cover): $5million, $10 million or $20 million.

Policies are tailored to the unique needs of individual businesses. One business may require a different amount of cover compared to another.

When deciding on how much cover you should have a think about factors like:

*As with any insurance, cover will be subject to the terms, conditions and exclusions contained in the policy wording. The information contained on this web page is general only and should not be relied upon as advice.