Personal Public Liability Insurance
- Over 6,000 Occupations Covered
- Competitive pricing with our Price Promise
- Flexible payment options – monthly or annually
Compare quotes from our trusted insurance partners*:
Public Liability Insurance Explained
... of time. **Many public liability policies also provide cover for product liability. Related: What does Public Liability insurance cover? What does Public Liability insurance typically not cover? Personal injuries to you ...
read moreHow much does Public Liability Insurance Cost?
... for personal injury or property damage that may be caused by the products they manufacture or sell, under the liability provisions of the Australian Consumer Law. How much do Tradesmen pay for Public Liability Insurance ...
read moreWhat does Public Liability Insurance cover?
... . Bear in mind that Public Liability insurance is designed for all ... Liability Insurance is designed to provide cover for include: Any award or settlement of compensation to a third party due to them sustaining personal ...
read moreHow much Public Liability insurance do I need?
... an overview of what is typically covered (and not covered) under a Public Liability insurance policy: What is typically included?* Claims for compensation due to personal injury suffered by a third party (e.g. a customer ...
read morePublic Liability Insurance In Perth
... the financial protection your business deserves. W hat does P ublic L iability insurance cover ? Public Liability insurance covers claims for personal injury suffered by a third party (such as a customer, supplier or ...
read morePublic Liability Insurance In Hobart
... the financial protection your business deserves. W hat does P ublic L iability insurance cover ? Public Liability insurance covers claims for personal injury suffered by a third party (such as a customer, supplier or ...
read morePublic Liability Insurance In Darwin
... the financial protection your business deserves. W hat does P ublic L iability insurance cover ? Public Liability insurance covers claims for personal injury suffered by a third party (such as a customer, supplier or ...
read morePublic Liability Insurance In Adelaide
... the financial protection your business deserves. W hat does P ublic L iability insurance cover ? Public Liability insurance covers claims for personal injury suffered by a third party (such as a customer, supplier or ...
read morePublic Liability Insurance In Rockhampton
... the financial protection your business deserves. W hat does P ublic L iability insurance cover ? Public Liability insurance covers claims for personal injury suffered by a third party (such as a customer, supplier or ...
read morePublic Liability Insurance In Port Macquarie
... the financial protection your business deserves. W hat does P ublic L iability insurance cover ? Public Liability insurance covers claims for personal injury suffered by a third party (such as a customer, supplier or ...
read morePublic Liability Insurance In Mandurah
... the financial protection your business deserves. W hat does P ublic L iability insurance cover ? Public Liability insurance covers claims for personal injury suffered by a third party (such as a customer, supplier or ...
read morePublic Liability Insurance In Brisbane
... the financial protection your business deserves. W hat does P ublic L iability insurance cover ? Public Liability insurance covers claims for personal injury suffered by a third party (such as a customer, supplier or ...
read morePublic Liability
... claims by third parties relating to property damage or personal injury caused by your products. It typically forms part of a Public Liability policy. Public Liability insurance can be purchased as a stand alone product ...
read morePublic Liability Insurance for Cabinet Makers
... . This could put your personal assets, like your home and belongings, at risk if a claim against you succeeds and you do not have other means to pay the award amount. Having Public Liability insurance in place means you ...
read moreDoes Public Liability insurance cover employees?
... Public Liability cover contractors. What does Public Liability insurance cover? Public Liability (also referred to as Personal Liability ... What is not covered by Public Liability insurance? PL does not cover certain events ...
read more5 tips for getting the best Public Liability insurance for your business
... Public Liability insurance . It offers protection should a customer, supplier, or even member of the public, sue your business for personal ... hold a minimum of $5 million PL insurance in order to secure a plumbing license ...
read morePublic Liability Insurance NSW
... cost of a claim? Frequently Asked Questions Public Liability insurance is a crucial form of cover that protects all different types of businesses from landscapers to personal trainers, real estate agents and restaurant ...
read moreWhat tradies need to know about Public Liability Insurance
... financial consequences of a claim could not only put you out of business but jeopardise your personal finances too. Public Liability insurance covers your back when things don’t quite go plan. As a tradie, it can even ...
read moreDo I Need Public Liability insurance?
... though it's not required by law for most, all small businesses should consider having Public Liability insurance to protect them against personal injury caused to a third-party or damage to their property. No matter how ...
read moreA sole traders guide to understanding Public Liability Insurance
... familiar with this as policies can vary from insurer to insurer. Your Public Liability insurance policy will typically provide compensation for: Personal injury suffered by a third party (e.g., a customer, supplier or ...
read morePublic Liability Insurance in QLD
... help protect your business. What is covered by Public Liability insurance in Queensland? A Public Liability policy can provide essential cover for your Queensland business: Personal injury suffered by a third party (e.g ...
read morePublic Liability Insurance NSW
... paying for unexpected accidents - they do happen! Public Liability insurance is designed to provide protection for you and ... *? personal injury suffered by a third party (e.g. a customer, supplier or member of the public); ...
read morePublic Liability Insurance WA
... The last thing you want to think about is paying for unexpected accidents - but they do happen. Public Liability insurance is designed to provide protection for you and your business in the event a customer, supplier or ...
read morePublic Liability Insurance Scenario
... caught short without adequate insurance, is their personal horror story might have been avoided altogether in just a few minutes online. What Janine needed was public liability insurance or insurance that protects you ...
read morePublic Liability Insurance QLD
... is for unexpected accidents - but they do happen. Public Liability insurance is designed to provide protection for you and your ... personal injury suffered by a third party (e.g. a customer, supplier or member of the public ...
read moreProfessional Indemnity Insurance And Public Liability Insurance
... these kind of claims would typically be covered by Public Liability insurance ) How Much Cover Should I have ? With ... can result in personal liability for alleged or actual wrongdoing. Management Liability is often offered ...
read moreHow much does Public Liability Insurance Cost for Restaurants & Cafe?
... third party personal injury or property damage. Looking at NSW BizCover customers in 2021/22, a business with only one employee could expect to pay around $43 per month for Public Liability insurance, however, employing ...
read moreNew Public Liability-1b
... employees. Claims from a third-party can be for personal injury or damage caused to their property caused by ... on a mission to make you smile! Get Public Liability insurance under a minute Search for occupation and compare ...
read moreNew Public Liability-1a
... employees. Claims from a third-party can be for personal injury or damage caused to their property caused by ... on a mission to make you smile! Get Public Liability insurance under a minute Search for occupation and compare ...
read moreNew Public Liability-1c
... employees. Claims from a third-party can be for personal injury or damage caused to their property caused by ... on a mission to make you smile! Get Public Liability insurance under a minute Search for occupation and compare ...
read moreWhat’s the difference between Public and Product Liability insurance?
... from third parties for incidents relating to property damage or personal injury caused by your products. Product Liability insurance usually forms part of a Public Liability policy. Policies can vary so the word 'product ...
read morePublic Liability vs. Professional Indemnity insurance: What’s the difference?
... reading: Do I need Professional Indemnity Insurance? Public Liability insurance: what is typically covered and excluded? Public Liability insurance provides compensation for: personal injury suffered by a third-party ...
read morePublic Liability PPC
... 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 defence costs; court ...
read moreInformation Technology Liability Insurance
... against claims by third parties relating to property damage or personal injury caused by your products. Product Liability insurance usually forms part of a Public Liability policy and the word 'product' will be a defined ...
read moreAllied Health Combined Liability Insurance
... activities means there is a risk of personal injury or property damage claims being made against your business. Even if you're practice is home-based, the Public Liability insurance provided under your Home and Contents ...
read moreClaim for Public Liability
... quotes from our trusted insurance partners: Public Liability It's important ... to notify your insurer as soon as possible of all compensation claims made against you for third party personal ...
read moreInsurance for Plasterers
... in the policy wording. Insurance for Plasterers Public Liability Insurance* Protecting your business with Public Liability insurance is a concrete decision. Public Liability insurance is designed to provide protection ...
read more7 Common Types of Small Business Insurance
... and your liabilities. 1. Public Liability Insurance Every business should consider Public Liability Insurance - ... your personal assets too. Related: Management Liability Insurance explained 6. Cyber Liability Insurance If ...
read moreBusiness Insurance Guide for the Self-Employed – Part 1
... businesses against claims by third parties relating to property damage or personal injury caused by your products. What does Public Liability Insurance typically cover * ? Compensation for: P ersonal injury suffered by ...
read moreA sole traders and freelancers guide to business insurance
... has interactions with third-parties from clients to members of the public and suppliers. What does Public Liability Insurance typically cover? Compensation for: Personal injury suffered by a third party (e.g. a customer ...
read morePI And PL Insurance
... these kind of claims would typically be covered by Public Liability insurance ) How Much Cover Should I have ? With ... can result in personal liability for alleged or actual wrongdoing. Management Liability is often offered ...
read moreBusiness Insurance
... ? You may want protection in place should you accidentally cause injury or damage to their personal property. Public Liability insurance is designed to provide protection for you and your business in the event a customer ...
read moreInsurance for Butcher Shops
... with any award of compensation payable to a third party. Public Liability insurance usually includes Product Liability cover , to protect against personal injury or property damage caused by the products you sell ...
read moreInsurance for Dog Walkers
... within a public park. What types of insurance do dog walking businesses typically consider? Public Liability Insurance Public Liability insurance is important for dog walkers. Public Liability insurance is designed ...
read moreWhat insurance do contractors and subcontractors need?
... cover. Public Liability Insurance Public Liability insurance is one of the most common forms of contractor insurance. Subcontractor Public Liability insurance covers subcontractors in the event of personal injury or ...
read moreA practical guide to understanding business insurance
... look at protection against claims from third parties for accidental personal injury or damage to their property. This is usually covered by a Public Liability insurance policy When you take your tools of trade with you ...
read more5 things to consider when purchasing business insurance
... business against personal injury or property damage claims caused by the products sold or supplied by you. Many Public Liability policies include Product Liability cover. Professional Indemnity insurance* : Professional ...
read moreInsurance for Consultants
... Consultant ^Accurate as at September 2019 Public Liability Insurance* Public Liability insurance is a no brainer for all types of consultancy services. Public Liability insurance is designed to provide protection for ...
read moreUnderstanding insurance for recruitment consultants
... over at your premises injuring themselves could result in a costly claim. A Public Liability insurance policy will typically provide cover for: personal injury suffered by a third party (e.g. a customer, supplier or ...
read moreInsurance for Cafes
... included with your Public Liability policy and protects your business for personal injury or property damage claims caused by your products. Public Liability Insurance* Do you need Public Liability insurance? The short ...
read moreInsurance for Psychologists
... to or managing claims which are covered by the policy. Public Liability Insurance* Considering you work closely with your clients; Public Liability insurance is an easy choice. for psychologists. It provides protection ...
read moreQLD Electricians Licence and Insurance Requirements
... . It only covers your domestic work and has no impact upon the Public Liability section of your policy. It's your Public Liability insurance policy that typically provides cover for your commercial work, provided it is ...
read moreProduct Liability Insurance
... against claims by third parties relating to property damage or personal injury caused by your products. Product Liability insurance usually forms part of a Public Liability policy and the word 'product' will be a defined ...
read more5 reasons to consider cyber liability insurance for your business
... your data or manipulate it in other ways. Personal information that hackers are looking for is anything ... insurance policies may not cover against cyber attack You may have Management Liability or Public Liability insurance ...
read moreCyber Liability Insurance
... risks Cyber Liability insurance can assist with are inadvertent loss or release of customer personal information, cyber ... of the data breach. The cost of hiring a Public Relations firm to assist the insured with re-building ...
read moreTop tips for buying Management Liability Insurance
... their personal assets. So, what is Management Liability insurance? Management Liability insurance is an insurance ... via business insurance such as Public Liability insurance and Professional Indemnity insurance may be ...
read more4 reasons why restaurant insurance is important (and how to protect yours)
... Public Liability and Business Insurance. Public Liability insurance Public Liability insurance ... guide only and does not take into account your personal objectives, financial situation or needs. This information should ...
read moreInsurance for Personal Trainers
... Indemnity insurance and Public Liability insurance. However, other types of cover may also fit your business needs. Professional Indemnity insurance Professional Indemnity * protects personal trainers against ...
read moreInsurance Considerations for Personal Trainers
... damages property) as a result of you providing your training services. Find Out More About Public Liability Insurance As a personal trainer you'll also be giving advice to your clients, ranging from the type of exercises ...
read moreHome Based Business Insurance
... insurance do home businesses typically consider? Public Liability One of the basic insurances to consider is Public Liability insurance. Public Liability insurance ... to their personal property. Cyber Liability Take the ...
read moreInsurance for Civil Engineers
... as a result of your negligent business activities. What is typically included? Public Liability insurance for Civil Engineers provides covers for: personal injury suffered by a third party (e.g., a customer, supplier, or ...
read moreBusiness Insurance in Townsville
... useful even if it's not required. Public Liability insurance helps you manage third-party claims of injury ... re unable to work while you recover. Personal Accident and Illness insurance can help you keep things running at ...
read more5 questions to ask yourself before buying Insurance for your small business
... cover available to businesses. Public Liability insurance Public Liability insurance is designed to provide protection ... by the ATO Personal Accident & Illness insurance Personal Accident & Illness insurance covers you for ...
read moreInsurance for Retailers
... to protect your business against personal injury or property damage claims caused by the products you sell. Many Public Liability policies include Product Liability cover. Business Insurance* Your customers are important ...
read moreInsurance for Pizza Shops
... making Public Liability an important form of insurance to consider. Public Liability insurance is ... plastic mat in the prep area for a personal injury claim to arise. Business Insurance* Protect th e things that help you ...
read more12 personal training marketing ideas to get more clients
... to commit or want to get a feel for your flavour of personal training before they sign up for classes. You have nothing to ... to your business. Public Liability insurance : Public Liability insurance provides protection for ...
read moreA guide to plasterer’s insurance that won't leave you, board
... bodies will require you to have your own Public Liability insurance policy before being able to join Cover your ... unexpected accidents and sickness with Personal Accident and Illness insurance ensures that you will still ...
read moreUnderstanding Insurance for Interior Designers
... . From accidentally causing damage to a client's personal property, to providing the incorrect designs and even ... suppliers the community and their property. Public Liability Insurance is designed to provide protection for ...
read more7 surprising ways business insurance can help your company
... a quick overview of what is typically included and excluded in a Public Liability insurance policy: What is typically included?** Compensation for: personal injury suffered by a third party (e.g. a customer, supplier or ...
read moreInsurance for Furniture Manufacturers: A Guide
... the Types of Insurance for Furniture manufacturers Public & Products Liability* As a furniture ... of the business. Personal Accident & Illness Insurance* Personal Accident and Illness insurance can provide cover ...
read moreInsurance for Furniture Manufacturers
... safety standards. Insurance for Furniture Manufacturers Public & Products Liability* There are a ... of the business. Personal Accident & Illness Insurance* Personal Accident and Illness insurance can provide levels of ...
read moreBusiness Insurance in Geelong
... space. Even if it's not required, Public Liability insurance can help you manage the costs of injury and ... back to business as usual quickly. Personal Accident and Illness insurance* This provides a weekly income benefit ...
read moreUnderstanding business insurance for bookkeepers
... you are out on the road visiting them, Public Liability insurance is something bookkeepers need to consider. It is ... Cyber Liability insurance can assist with are inadvertent loss or release of customer personal ...
read moreInsurance for Marketing Consultants
... your professional service or advice. Having Personal Indemnity insurance will let you breathe easy, ... vitamin D by heading out to meet them, Public Liability insurance is important to your business. It is designed ...
read moreInsurance for Restaurants
... your business with Public Liability insurance . Public Liability insurance is designed to ... of the public is injured or sustains property damage as a result of your negligent business activities. Personal injury claims ...
read moreInsurance for Food Retail
... happen in your retail food business. Luckily, Public Liability insurance * is here to help you handle third ... for: Personal injury suffered by a third party (e.g., a customer, supplier, or member of the public) Damage ...
read moreInsurance for Makeup Artists
... business from personal injury or property damage claims caused by the products you sell. Did you know that some hair and beauty salons require contracting makeup artists to have Public Liability insurance before they ...
read moreGuide to Physiotherapy Business insurance
... Public Liability insurance* Another common coverage for physiotherapists is Public Liability insurance. Public Liability insurance ... out a Business Insurance policy. Personal Accident and Illness insurance* You might be ...
read moreHow much does Public Liability Insurance cost for Tradesmen?
... * cost For Tradesmen? There aren't many tradies who like paying for Public Liability (PL) insurance , but deep down you know it's the smart thing to do. It protects you financially if you hurt another person or damage ...
read moreTop 5 reasons for having Professional Indemnity and Public Liability insurance
... are the top 5 reasons NHAA members should hold and maintain Professional Indemnity and Public Liability insurance . 1. Protection against claims of negligence, malpractice and professional misconduct Your service comes ...
read moreLegal Requirement for Public Liability Insurance
... against your business and as such 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 ...
read more5 Things to Consider When Buying Public Liability Insurance
... saving if the policy does not provide your business the sufficient coverage it needs. 3. Am I required to have Public Liability insurance cover ? Each S tate and T erritory ha s its own set of laws when it comes to legal ...
read moreThe risks of growing your small business
... primary insurances - public liability and professional indemnity - are crucial. Ignore them at your peril. So What Can You Do? Insure your legal liability! Public Liability (or 'PL') covers claims against personal injury ...
read moreHow to become a successful consultant in 7 steps
... party and your defence costs, such as lawsuit fees, and investigator fees. Public Liability: Public Liability insurance (PL) provides consultants with protection for consultants and their business in the event customers ...
read moreTop 4 reasons why you should choose a career in disability care
... in the scheme maintain an adequate level of insurance, including Public Liability insurance (PL) and Professional Indemnity insurance (PI). Find out more about insurance for disability workers and why it matters for ...
read moreSalon owners urged to consider combined cover
... a claim every time you provide a service. Public Liability (PL) insurance Every day you work closely with your clients and members of the public, making Public Liability insurance a vital type of cover for beauty salons ...
read moreWhy do welders need insurance?
... critical form of welding insurance is Public Liability (PL) . PL provides financial protection for your ... a higher risk of becoming injured on the job. Personal accident and illness provides you with the financial means to ...
read moreHidden costs you shouldn't ignore when starting your business
... Liability; Employment Practices Liability ; Crime; Statutory Liability ; and Directors & Officers Liability. Business Insurance While PL covers your business from the risk of being sued by a member of the public ...
read moreWhy personal trainers should think about an Allied Health Combined Liability policy
... business provides a service. Public Liability (PL) insurance Every day you work closely with your clients and members of the public, making Public Liability insurance a vital type of cover personal trainers. It provides ...
read moreFitrec and Health People
... which can meet the specific needs of fitness professionals. The DUAL Personal Trainer's package includes Professional Indemnity ( PI ) and Public Liability (PL) insurance and provides the option of choosing $1M or $2M PI ...
read moreWhat risks do professional beauty businesses face?
... along with an additional $10,000 in legal fees. Thankfully, the small business owner had Public Liability (PL) insurance – which provides cover for legal costs and compensation for third party injury and property damage ...
read moreHow much does Combined Liability Insurance Cost for Allied Health Professionals?
... of claims? Most Professional Indemnity polices for allied health professionals come as package combined with Public Liability (PL) insurance to provide a greater level of protection. So, to give you a clearer indication ...
read moreHow to start a gardening business in Australia
... insurance products that gardening business owners may consider: Public Liability Public Liability (PL ... or suffer an injury, how would you cope financially? Personal Accident and Illness provides a safety net when an ...
read moreInsurance for Allied Health Professionals
... activities means there is a risk of personal injury or property damage claims being made against your business. If you have a home-based practice, the Public Liability insurance provided under your Home and Contents ...
read moreThe risky business of insurance
... must have” insurance: Public Liability - protects against legal and court costs in the event that someone is injured, or has their property damaged while you are providing a service to them. Every business should have PL ...
read moreReviews related to Personal Public Liability Insurance
-
Easy very fast and efficient, 1st timer on public liability insurance
Les K
Door Or Window Wholesaling -
I have never purchased public liability insurance so I had no idea about anything. I rang Biz cover and spoke to Patrick who was super helpful and explained everything to me in a simple way that was easy to understand, I believe that I have also received
Simona F
Kitchen / Bedroom / Bathroom Furniture Manufacture & Installation -
seems easy enough to obtain our public liability. Hopefully we are fully covered now.
Natalie R
Commercial Cleaning Services -
Very affordable insurance for public liability. I now use Bizcover for both my fast food business and my contractual training work.
Katrina S
Fast Food Retailing -
very easy to get my public liability insurance done within minutes!! Thanks.
Troy M
Landscape Construction
Public Liability insurance
Public Liability insurance is one of the most common types of business insurances that a variety of different small businesses choose to take out. It is there to provide protection if someone makes a claim against the insured, the business or its employees. Claims from a third-party can be for personal injury or damage caused to their property caused by your business activities.
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.
What kind of businesses need Public Liability insurance?
In a nutshell, if your business is interacting with any third parties like customers, suppliers and members of the public on a regular basis, then you may need to consider Public Liability insurance. The chance of Public Liability insurance claim can be hard to predict, but if it were to occur, the costs to your business could be extremely costly and potentially enough to send you out of business.
An example of some of the typical types of businesses that may take a Public Liability insurance policy include:
- Trades
- Professionals
- Wholesalers
- Manufacturers
- Travel and tourism
- Office based
What is typically included?**
Compensation for:
- Compensation costs for the personal injury suffered by a third party (e.g. a customer, supplier or member of the public)
- Compensation for damage to property owned by a third party due to your negligent business activities
- The legal and defence costs associated with a covered claim
- Compensation for damage of third-party goods not owned by you which are in your care, custody or control
What is typically not covered?*
- Injuries to your employees
- Damage to your own property
- Costs of rectifying faulty workmanship or product recall
- Professional negligence
- Contractual liability
- Events occurring before or after the policy period
- Aircraft products
- Asbestos
- Liquidated damages
- Gradual pollution
- Punitive damages- where the insured acted so badly that extra damages were awarded
- Liabilities assumed under contract which the insured would not be liable for at common law
Get the right cover
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:
- Do any of your contracts require a minimum level of public liability cover?
- Has your industry body set a minimum level of public liability cover for membership?
- Does your business or trade licence require a minimum amount of public liability cover?
- What kind of accidents could occur due to your business operations and what could be the potential cost of a claim?
Why choose BizCover for your Public Liability insurance?
Built for small business
We know insurance and what makes small businesses tick
Clear and competitive pricing
You can compare and choose from a range of highly competitive prices right there on your screen. Seriously.
Cover to match your needs
You can tailor policies from selected Australian insurers to suit the needs of your business, and we are there to help!
Real people adding real value
Our friendly service team is on hand and on a mission to make you smile!
Frequently Asked Questions on Public Liability Insurance
Small business owners on average in the 2018/19 Financial Year paid around $63.53 per month^ for Public Liability insurance through BizCover. Public Liability Insurance is one of the most common types of insurance for businesses.
When it comes to the pricing of Public Liability insurance, there isn’t a one price fits all. There are a variety of industries and occupations, each with different risk factors that can impact the pricing greatly. Some of these key factors include:
- The type and nature of your business
- Your business turnover and size
- The amount of insurance cover your business needs
Additional factors that determine the cost of your Public Liability insurance policy include:
- The location of your business
- What is included and excluded in your policy
- The insurance provider you choose
The most accurate way to find out the cost for your business is to simply get an instant online quote.
*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 sourced from BizCover’s Australia wide customer data for all “pay by the month” public liability policies purchased through BizCover during 2018/19 Financial Year and is intended as a guide only. It may not reflect pricing for your particular business as individual underwriting criteria will apply. Get a hassle-free quote for your business here. |
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.
While it is not a legal requirement in Australia for most businesses, there are some situations where it may be mandatory for you to have you an active Public Liability policy before you can operate. For example, it may be a contractual requirement to have before you are allowed “on site”.
No matter how much care you may take, if your business interacts with clients, suppliers or members of the public, there is always the potential for a claim to occur.
You may need to consider Public Liability cover if any of the following apply to your business:
- You have customers, suppliers or members of the public who visit your business premises, e.g. diners who visit your cafe, or clients who visit your office, whether in a commercial building or home-based office
- You manufacture and/or sell any kind of products, e.g. food, beauty products, furniture, clothing or household items
- Working at your client’s site, e.g. a tradesperson carrying out repairs or work in other people’s homes
- If your business hosts or participates in public events, like a stand at a tradeshow attended by members of the general public
One of the first things to consider when calculating which level of Public Liability insurance your business may need is to think about the risks your business faces and any industry or contractual requirements involved.
While it would be nice to be told the exact amount of cover you should have, the decision is ultimately up to you.
If you work with contracts, these commonly stipulate the minimum amount of Public Liability cover your business must hold to comply with the contract. Professional bodies and industry associations may also require members to maintain a minimum amount of Public Liability insurance to become a member or to meet licensing requirements.
Take the time to consider the amount of work that you perform and the appropriate amount of financial protection you would need in the event a Public Liability claim is made against you.
With BizCover there are three levels of cover (limits of liability) available to select: $5 million, $10 million or $20 million.
The appeal of having the freedom to be your own boss is why so many Australians operate as a sole trader, but it is not one that comes without its own risks. Unlike working for a company, the reality is when things go wrong and a claim is made, you could be held responsible and it’s your back pocket that could be left financially destroyed.
An unplanned event could not only put your personal finances in havoc, but you could end up shutting up shop for good. Fortunately, with the right insurance in place, not only will you have a solid financial safeguard in place, but protection for your hard-earned reputation too.
Public Liability insurance is a popular type of insurance amongst sole traders. As a small business owner you have a legal responsibility to take the right steps to create a safe environment for third-parties when they interact with your business.
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 become injured or sustain property damage as a result of your negligent business activities.
The short answer? No. Each type of insurance provides specific cover for very different kinds of business risks.
Business insurance* is an insurance package designed to provide cover for your business contents, stock, tools and commercial premises when an insured event occurs (such as fire, storm, theft or even accidental damage). A Business insurance package can also cover your portable equipment, glass and for loss of revenue due to business interruption in specified circumstances. It also offers the option of selecting public liability cover but that is not automatically included.
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 .
If your business manufacturers or sells products you may also need to consider Product Liability insurance. Product Liability insurance* protects your businesses against claims by third parties relating to property damage or personal injury caused by your products. It typically forms part of a Public Liability policy.
Public Liability insurance can be purchased as a stand alone product or as part of a Business insurance package.
One of the first steps you need to take in lodging a claim (or to report a circumstance which may lead to a claim) is to complete a claim form – please click here to download.
To assist with the processing of your claim and to avoid delays, please attach all the supporting documents you have, which may include original invoices, receipts, manuals, pictures, reports and replacement quotes.
Once you have completed the form, email it to: claims@bizcover.com.au and we’ll manage the process directly with the insurer.
Public Liability and Professional Indemnity insurance both offer different types of cover, for different kinds of risks your business may be exposed to.
Public Liability insurance is designed to provide coverage for legal fees and compensation costs if a customer, member of the public, or a supplier claims against you for injury or damage to their property as a result of your alleged negligent business activity*.
This differs from the type of coverage Professional Indemnity insurance* provides. Professional Indemnity insurance focuses on protecting you against losses claimed by a third party due to alleged or actual negligence or errors in your professional services or advice. Professional Indemnity insurance will meet the associated compensation payable to a third party together with your defence costs (which can include legal costs, investigator costs and expert fees).
If your business requires having clients visit your premises, or you going to visit them, providing your advice and services, then Public Liability and Professional Indemnity insurance may be two important forms of coverage your business needs to consider.