Independent Contractor Insurance
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Insurance for IT Professionals
... in your work, property damage, broken equipment and lawsuits are just a few of the risks that insurance for IT contractors could help you manage. Did you know? The nature of work undertaken by some IT professionals means ...
read moreHow much does Professional Indemnity Insurance Cost for IT professionals?
... in NSW that have ten or fewer employees. We know, sometimes you just want a quick idea of how much your insurance is actually going to cost. However, it's important to note that the data included within this article was ...
read moreWho is Covered Under an IT Liability Policy?
... or future employees; and Upon request, Contractors, Sub-contractors as individuals as well as liability arising out of the work performed on behalf of the entity. IT Liability insurance policies need to provide cover to ...
read moreEmployee vs. independent contractor – What’s the difference
... can help ensure your policy is providing adequate cover. If you go with hiring an independent contractor, you may want to check what insurances they have in place as well as the level of cover. Be sure to also ...
read moreIndependent contractors urged to review agreement fine-print
... labourers (11 per cent) have the highest proportions of independent contractors. Independent contractors may benefit from business insurance such as Professional Indemnity cover. With Australians' work preferences and ...
read moreSetting business boundaries as an independent contractor
... time away from the office. And while on the topic of investing in yourself, independent contractors can benefit from independent contractor insurance reduce their risks while on the job. 4. Ethical limits and client ...
read moreHow to become an independent contractor
... in order get in touch with us here at BizCover. We understand all types of contractor businesses and believe insurance should be simple with no-dramas. Receive multiple quotes in minutes from some of Australia's ...
read moreThe Benefits of Independent Contracting
... that's right for you! Protecting Yourself as an Independent Contractor Before you set up contract work, you may want to consider business insurance. Independent contractors are responsible for all parts of their business ...
read moreWhat to look out for in a contractor agreement
... But they also have a lot in common, including the need for business insurance* in the form of contractor insurance. We know independent contractors are busy, which is why we've created an amazingly simple and convenient ...
read moreHow to manage your finances as a contractor
... state of play as you continue to ply your trade as an independent contractor. When you set up as a contractor and choose BizCover for your contractor insurance * you'll enjoy the convenience of being able to compare ...
read more3 ways contractors can build a strong relationship with their clients
... as you could be personally liable if a mistake were to happen. While the overall purpose of contractors insurance is to protect you from the financial fallout of contracting risks, there are many different types of ...
read more5 contractor tips for delivering excellent customer experiences
... can contribute to the long-term success of your independent contractor business by securing it with independent contractor insurance *. BizCover offers business insurance solutions for all kinds of businesses, giving you ...
read moreWhat's the Difference Between a Consultant and a Contractor?
... . If you want to recruit an independent contractor for your business, you need to ... . At BizCover, our simple to use online service model makes obtaining insurance for your business a breeze. Go online or give us a call ...
read moreTop 10 marketing tips for contractors for 2024
... knows about it. Marketing your business as an independent contractor can be difficult. You have limited time ... should not be relied upon as advice. As with any insurance, cover will be subject to the terms, conditions and ...
read moreDo I need a contractor licence in NSW?
... will also need to include a statement from a referee, and a certificate of eligibility to obtain insurance. We know independent contractors are flat out, which is why we've created a truly simple and convenient way to ...
read moreHandyman vs contractor: Which is right for you?
... registered or licensed by an independent government body. The contractor will be required to ... call today on 1300 920 864 for a quote and get your handyman insurance * sorted in minutes and get on with your day. We don ...
read moreWhat is the difference between a contractor and a subcontractor
... Independent Contractor Agreement for an individual person, or a Company Contractor Agreement to hire a company as a contractor ... be relied upon as advice. As with any insurance, cover will be subject to the terms, ...
read moreInformation Technology Liability Insurance
... contractual requirement for independent contractors to hold and maintain their own Professional Indemnity insurance policies. Public and Products Liability insurance Public Liability insurance is designed to provide ...
read moreInsurance for Nurses
... full-time or part-time, as an independent contractor, or volunteering your medical services at events or to local groups. Public Liability insurance Buying a Public Liability insurance * policy is an easy choice for ...
read moreInsurance for the Self Employed
... claim or lawsuit comes your way. You might want to consider insurance if you are: Newly self-employed An established business owner An independent contractor Operating as a sole trader No matter what occupation or trade ...
read moreHiring a contractor checklist and tips
... As a business you have less exposure to legal liability because contractors will have their own insurance policies in place Cons of hiring a contractor Having contractor workers make up part of your workforce is not the ...
read moreHow to price a job as a contractor
... business, let us lend a hand by taking care of your business insurance *. BizCover offers insurance solutions for all kinds of contractors, giving you peace of mind coverage with no dramas. ***This information is ...
read moreInsurance for Glaziers
... of your employment). Sole traders and independent glazing contractors are not eligible for workers' compensation in some states and territories 1 . Personal Accident and Illness insurance can help you continue to pay ...
read moreInsurance for Gardeners
... . If you are a sole trader or independent gardening contractor, workers' compensation may not cover you 1 ... accepting large contacts means you may pay more for insurance than a gardening professional who earns less. Number ...
read moreWhat insurance do contractors and subcontractors need?
... and related consequences when things don't go to plan on site. These types of business insurance can give contractors and subcontractors peace of mind so that they can fully focus on delivering great work for their ...
read moreInsurance for Contractors and Subcontractors
... Trusted by over 220,000 Australian small businesses Compare quotes from our trusted insurance partners*: Why do contractors need insurance? Being a contractor is an exciting way to work for yourself. You enjoy a lot of ...
read moreInsurance for Fencing Contractors
... up to 85% of your wages** while you get back on your feet. What does fence contractor insurance cover? Insurance for fencing contractors can help you manage many risks to your business. Depending on the cover you choose ...
read moreInsurance for Flooring Installler
... different insurers is one way to learn how much you can expect to pay for your flooring installer insurance. How to get flooring contractor insurance Ready to protect your flooring installation business? BizCover offers ...
read more11 tips for growing long-lasting contractor business
... time and endure the ebbs and flows of the often competitive construction industry. And this is where BizCover and contractor insurance can help ensure that you can keep on doing the work you love for as long as you want ...
read moreTop 6 mistakes to avoid when hiring a contractor
... you may assume everything is in order, it's a good idea to verify that a contractor has up-to-date insurance. Like any profession, contractor mistakes can happen, so it is vital to ensure that they are covered if things ...
read moreInsurance for Roofers
... and run your business—from drills and grinders to your laptop and smartphone. Why do roofers need insurance? Roofing contractors work in a risky field, but there's more to that risk than just working at heights. Third ...
read moreWhy do welders need insurance?
... , or damage occurring to property due to heat or flames. This is where welding liability insurance (another term for welding contractor insurance) can help . Your PL policy can help you avoid the worst of bad situations ...
read moreInsurance for Concrete Contractors
... from other businesses, even those in your industry. Factors that can impact the cost of insurance for concrete contractors include: Who is covered - A sole trader typically pays less than businesses with many employees ...
read moreHow to become an independent support worker
... (ABN) and a business name through the Australian Business Register (ABR). 3. Getting your business insurance sorted Independent support workers can be exposed to many risks while on the job. The NDIS aid requirements ...
read moreBizInsure Capitalizes on the Paradigm Shift in Commercial Insurance!
... to a new way of thinking, a new way of underwriting, and a new way of pricing professional liability insurance for independent professionals and small businesses. Our online model (made mainstream by the personal auto ...
read moreHow to become a cleaning contractor
... for success. Have you got your cleaning business insurance sorted? While you're busy building your cleaning contractor business, let us help with your cleaning business insurance *. We'll sweep up and neatly present all ...
read moreHow To Become a Roofer or Roofing Contractor
... a roofer. Even if you follow safety measures at all times, accidents and mistakes can still happen. Insurance for roofer contractors is one way to help minimise these risks, so they don't completely derail your business ...
read moreHow to get your trade contractor licence in Queensland
... at your nearest QBCC service centre. As a busy contractor, you are constantly moving from one job to the ... securing your business insurance such as public liability insurance in Queensland and tradie insurance *, there ...
read moreInsurance for HR Consultants
... is watching your back? You may want to consider HR business insurance to mitigate risks associated with expensive claims and lawsuits. Providing independent HR consulting might be riskier than you think. Giving outdated ...
read moreA guide to managing contractors and minimising risk
... are all up to date. These include things like relevant licenses, registrations and business insurance for example. Make sure your contractors provide up-to-date copies of their documents so that you can keep these on ...
read moreHow to become a fencing contractor – Get a fencing licence
... New South Wales are subject to the same laws as any contractor or tradesperson in the state. This means that a licence ... 868 or go online to get your fence installer insurance sorted in just 10 minutes. This information is ...
read moreQLD Electricians Licence and Insurance Requirements
... person, confirm the following; The electrical contractor licence applicant (as named in section 1 of this application) holds current broadform public and products liability insurance of at least $5,000,000 under ...
read moreHow to start an electrical contractor business in Australia
... business. Who can work as an electrical contractor in Australia? Electricians in Australia must have a ... success. With BizCover, you can compare electrician insurance quotes from multiple insurers, select the cover that ...
read moreWhat types of insurance do you need for a cleaning business?
... premises. Whether you operate as an individual contractor (self-employed or sole trader ) or a company, you and your business may benefit from business insurance that specifically addresses the risks associated with ...
read moreHow much does Public Liability Insurance cost for Tradesmen?
... make it mandatory for those with an electrical contractor's licence to hold a minimum amount of Public Liability insurance. Average monthly cost of Public Liability Insurance by level of cover Coverage level Average ...
read moreWhy do landscape designers need insurance?
... at your office, their office, or out in public. Public Liability insurance is designed to protect your business from claims made by a client, contractor, or a member of the public for accidental injury or damage to ...
read morePublic Liability Insurance NSW
... paying for unexpected accidents - they do happen! Public Liability insurance is designed to provide protection for you and your business ... … Product Liability explained further… Independent feedback from our customers rated ...
read morePublic Liability Insurance WA
... s antique property? A Public Liability insurance policy will help give you peace of mind. Public Liability explained further… Product Liability explained further… Independent feedback from our customers rated our service ...
read moreCyber Liability Insurance
... Independent feedback from our customers rated our service at excellent. What does Cyber Liability insurance typically cover? Cyber liability insurance ... owners sweat. Cyber Liability Insurance can assist in managing your ...
read morePublic Liability Insurance NSW
... further… Product Liability explained further… Independent feedback from our customers rated ... already… and counting. Built for small business We know insurance and what makes small businesses tick. Clear and competitive ...
read morePersonal Accident and Illness Insurance
... can get quotes and P ersonal Accident and Illness insurance within minutes and once covered you will be protected 24/7! **Maximum limits apply Independent feedback from our customers rated our service at excellent. What ...
read morePublic Liability Insurance QLD
... s antique property? A public liability insurance policy will help give you peace of mind. Public Liability explained further… Product Liability explained further… Independent feedback from our customers rated our service ...
read moreBusiness Insurance
... you are doing business. Excellence in Customer Service Independent feedback from our customers rated our service at excellent. What is typically covered by Business Insurance? A) Material damage loss for your physical ...
read moreTax Audit Insurance
... fees can be substantial. With the right Tax Audit insurance in place, you can at least minimise the cost of ... all of the stress. Excellence in Customer Service Independent feedback from our customers rated our service at ...
read moreManagement Liability Insurance
... all the blood, sweat and tears by not having the right Management Liability insurance in place? Excellence in Customer Service Independent feedback from our customers rated our service at excellent. What is included ...
read moreProfessional Indemnity Insurance
... further… Excellence in Customer Service Independent feedback from our customers rated our ... and expert fees). When it comes to making a claim on your insurance, we understand that it can be a difficult time and that's ...
read moreTop seven tips for comparing business insurance quotes
... business may face. 1. Choose reputable insurance companies Seek business insurance quotes from established and reliable insurance companies. There are many independent rating agencies that evaluate the financial strength ...
read morePI And PL Insurance
... further… Excellence in Customer Service Independent feedback from our customers rated our ... and expert fees). When it comes to making a claim on your insurance, we understand that it can be a difficult time and that's ...
read moreProfessional Indemnity Insurance And Public Liability Insurance
... further… Excellence in Customer Service Independent feedback from our customers rated our ... and expert fees). When it comes to making a claim on your insurance, we understand that it can be a difficult time and that's ...
read moreInsurance for Cleaners
... bills that could drain your bank accounts. Did you know? Many clients require cleaning contractors to have Public Liability insurance before allowing them to work on premises. If you lease office or other commercial ...
read moreEarthmoving and Excavators Insurance
... to lease a workshop or warehouse space for your small business. Why do earthmoving contractors need insurance? Construction can be a dangerous field, especially for earthmovers and excavators. Working with large ...
read moreTools of Trade Insurance – The definitive guide
... be stolen or misplaced; they may also be damaged due to overuse and wear and tear. And this is when trade tools insurance can save the day for tradies. Do you give names to your tools and have pep talks with them? Do you ...
read moreWhat tradies need to know about Public Liability Insurance
... help keep everyone safe, you may find as a tradie that you are required to have your own Public Liability insurance in place, well before your boots hit the soil. Before picking up your tools, make sure you also have the ...
read more7 things accountants need to consider when applying for Professional Indemnity insurance
... t understand the technical terms, speak to an insurance professional who can help you understand the meaning ... to you arising from the actions of the contractor or subcontractor. 7. Is Professional Indemnity enough? ...
read moreDo I Need Public Liability insurance?
... 's license. It may also be a requirement under a government or private client contract, or as part of a lease agreement for renting commercial property. Do I need Public Liability Insurance if I have a home-based ...
read moreInsurance for Personal Trainers
... if you operate as a gym or studio contractor or obtain a council permit to run outdoor sessions in public areas. Business Insurance Package A Business Insurance Package can be customised to include cover that fits ...
read moreMisconceptions Around Professional Indemnity Insurance
... that if anything happens that causes them a loss, your insurance will pay for it. Such an example may be that you area private consultant and the contractor made an error in numbers causing your client a financial loss ...
read moreInsurance for Painters
... and decorators need? Public Liability insurance Public Liability insurance * is a common policy purchased by painters and interior decorators. If you are operating as a contractor, it is important that you undertake ...
read moreInsurance for Landscapers
... also to your business' s reputation. Are you a contractor? Consider your contractual obligations which may require carrying a minimum level of Public Liability insurance before you set boots on the job. Public Liability ...
read moreInsurance for Tradesmen
... company's reputation. If you're working as a contractor, you should also consider your contractual obligations to carry a minimum amount of Public Liability insurance. You may also be required to hold Public Liability ...
read morePersonal Accident and Illness Insurance for Tradies
... in death from traumatic injury. If you are a self-employed small business owner or a contractor, Personal Accident and Illness insurance is an important type of cover to consider especially if you are not protected by ...
read moreBusiness Insurance Guide for the Self-Employed – Part 1
... Market stall-holders – A minimum level of Public Liability insurance is often required when having a stall at a market. ... trainer who provides training services as a sub-contractor at a gym. A client attending an exercise ...
read morePublic Liability Insurance for Cabinet Makers
... in place. Regardless if you are self-employed, a sole trader or a contractor, there are business insurance options to suit your busi ness and its needs. Let's take a look at what is often one of the most important ...
read moreInsurance for Electricians
... policy. Your customers, clients, and the contractors you work with may rely on your electrical ... Equipment * cover, which can be added to your Business Insurance Pack, covers you for loss and damage to your tools and ...
read moreDoes Public Liability insurance cover employees?
... learning. We will also answer some other key insurance for employees questions, such as does Public Liability cover contractors. What does Public Liability insurance cover? Public Liability (also referred to as Personal ...
read morePublic Liability vs. Professional Indemnity insurance: What’s the difference?
... a small business needs to consider protecting their business with Public Liability insurance. Occupations such as Consultants /Contractors/ Tradespeople Businesses that have clients visiting their home or out and about ...
read moreInsurance for Civil Engineers
... , as a civil engineer you will likely be having regular contact with clients, contractors and members of the public. Public Liability insurance is designed to provide protection* for you and your business in the event ...
read moreWhat is Professional Indemnity Insurance?
... awarded a contract Example professions: Health Professions , IT Contractors , Management Consultants , Accountants , Estate Agents etc. Professional Indemnity insurance provides a financial safeguard to help protect your ...
read moreInsurance by Industry
... are aware that those who operate in varying industries, often have specific insurance needs and so we aim to provide a policy to suit you ... Cleaners Concrete Contractors Concrete Pumping Consultants Contractors and ...
read morePublic Liability Insurance in QLD
... to make you smile! Frequently Asked Questions on QLD Public Liability Insurance Electrical contractors in Queensland must have Public Liability insurance to receive, maintain, and renew a licence. By law, electrical ...
read moreBusiness Insurance Perth
... to protect all types of businesses from self-employed tradies to professional contractors and sole traders, just to name a few. Business insurance is there to safeguard your business from the various types of risks ...
read moreBusiness Insurance Melbourne
... of business structures like sole traders, contractors and self-employed businesses for example from ... this is at your home-based business. Public Liability insurance can provide peace of mind and protection from potential ...
read moreInsurance for pharmacy and pharmacists
... answer is probably yes. Chances are you'll have regular contact with clients, contractors and the general public. Public Liability insurance is designed to provide protection for you and your business in the event a ...
read moreA sole traders and freelancers guide to business insurance
... ? These are a few examples of when sole traders and contractors may need to consider Public Liability insurance. If you run your business from home, having clients visit your premises creates an opportunity of risk ...
read more5 things to consider when purchasing business insurance
... staff do you employ? Do you rely on contractors or suppliers? What utilities, equipment, machinery and technology ... an accident or illness? 2. What type of business insurances do I need to consider? When you have a solid ...
read moreCyber Insurance: Is it worth it?
... account and drivers license details of 500 on-hired contractors were stolen. Or the Accounting firm, which had ... ) information, you need it. Isn't my other insurance cover enough? Take time to review your current policies ...
read moreInsurance for Convenience Stores
... answer is probably yes. Chances are you'll have regular contact with clients, contractors and the general public. Public Liability insurance is designed to provide protection for you and your business in the event a ...
read moreInsurance for Carpenters
... you manage these types of claims. Professional Indemnity insurance Carpenters are often called on to provide professional advice to clients or other contractors. But if you misspeak or give an incorrect recommendation ...
read moreInsurance for Cafes
... answer is probably yes. Chances are you'll have regular contact with clients, contractors and the general public. Public Liability insurance is designed to provide protection for you and your business in the event a ...
read moreInsurance for Engineers
... costs and expert fees). Public Liability Insurance Public Liability insurance * is an essential form of coverage for many engineers, as they often work closely with clients and contractors in various locations. A Public ...
read moreInsurance for Electrical Engineers
... such a 'hand's-on-job' you are likely to be in regular contact with clients, contractors and the general public. Public Liability insurance is typically an important form of cover for engineers and is designed to provide ...
read moreInsurance for Architects
... answer is probably yes. Chances are you'll have regular contact with clients, contractors and the general public. Public Liability insurance is designed to provide protection for you and your business in the event a ...
read moreProfessional Indemnity Insurance cost
... architects, IT contractors, management consultants, real estate agents and other allied health professionals. Even professional photographers should consider holding Professional Indemnity insurance. By analysing ...
read moreInsurance for Plumbers
... common type of cover chosen by plumbing contractors and subcontractors across Australia, even in states and territories where it is not required. Professional Indemnity insurance* A lawsuit could drain your finances and ...
read moreInsurance for Plasterers
... lifting when it comes to arranging your business insurance, providing competitive quotes online or over the phone in minutes. Did you know? If your business hires sub-contractors, take the time to check that they have ...
read moreSmall Business Insurance: Why you might want to ensure you’re covered!
... large organisation they may stipulate that you have certain insurance to work for them. For example handymen are often ... and driver's license details of 500 on-hired contractors had been stolen. They were able to claim $ ...
read more5 questions to ask yourself before buying Insurance for your small business
... have been in business for a while and looking to buy insurance for the first time; there are a few questions you ... on: do you employ any staff, or rely on contractors or suppliers? The resources you rely on: what utilities ...
read moreLegal Requirement for Public Liability Insurance
... interact with public space (construction, parks etc.), or welcome visitors and sub-contractors should check to see whether there is public liability insurance is in place first. In the trades industry, there may also be ...
read moreInsurance for architects – the blueprint to success
... to protect yourself against claims arising from your previous work. Public Liability Insurance If you're dealing with clients, suppliers, contractors and the general public on a regular basis, there is a chance that ...
read moreReviews related to Independent Contractor Insurance
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Information Technology
Why do IT professionals need insurance?
A lot can go wrong when you’re programming, coding, testing, debugging or doing other techy stuff. Mistakes in your work, property damage, broken equipment and lawsuits are just a few of the risks that insurance for IT contractors could help you manage.
Did you know?
The nature of work undertaken by some IT professionals means the difference between a public or professional indemnity claim can be difficult to determine. BizCover offers a liability package with combined Professional Indemnity and Public Liability insurance from the same insurer. That way, there can be no dispute between insurers as to which policy should respond to a claim.
Insurance for IT Professionals
Professional Indemnity insurance
The IT world is a fast-changing environment, and whether you’re involved in project management, development, testing or analysing systems this kind of work can be risky business. Does your software code contain errors? Was there a loss of documents or data as a result of your negligence? Professional Indemnity insurance* for IT consultants and businesses could help you cover claims like these and others related to mistakes, omissions, and general professional wrongdoing.
Public Liability Insurance
Chances are you spend a lot of time visiting your client’s offices. Public Liability insurance* for IT companies is designed to provide protection for you and your IT business should you accidentally cause an injury or property damage while working in a client’s premises.
Business Insurance
Do you own the office where you work? Carry or hold stock? Rely on computing equipment or servers to get your work done? You may want to consider a Business Insurance Pack* for your IT business.
A Business Insurance Pack can be customised to fit your business needs. IT professionals often consider Building, Contents, Machinery Breakdown, Business Interruption, and Theft cover, just to name a few!
Cyber Liability Insurance
Consider the client information or data you may be storing. Do you have plan if your systems suffer a data breach, are hacked, or subject to ransomware attack? Cyber Liability insurance* could provide an important safety net if your IT business experiences a cyber incident.
The wrong advice
An IT contractor was engaged to recommend and provide a management system for professional services client.
There were a number of problems with the system including crashes and loss of company and customer data. The client lodged a claim against the IT contractor for breach of contract and compensation for damages due to the lost data and loss of revenue whilst the client was unable to service his customers.
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*The information provided on this web page is general only and should not be relied upon as advice. No guarantees are provided as to pricing for individual risks. As with any insurance, cover will be subject to the terms, conditions and exclusions contained in the policy wording. Savings made in October 2023 on IT Liability policy. This information is provided as a guide only and may not reflect pricing for your particular business, as individual underwriting criteria will apply.