Public And Product Liability Insurance Quote
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Public Liability Insurance In Perth
... suppliers and the community and for their property. Most Public Liability policies also extend to cover Product Liability. ... the various industries and occupations Public Liability insurance can cover, the cost of it can ...
read moreHow much does Public Liability Insurance Cost?
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read morePublic Liability Insurance Explained
... cover for product liability. Related: What does Public Liability insurance cover? What does Public Liability insurance typically not cover? Personal injuries to you or your employees Damage to your own property Costs ...
read moreHow much Public Liability insurance do I need?
... to your negligent business activities; and 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 ...
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read moreProduct Liability Insurance
... third party, and your defence costs (these are the reasonable costs incurred while investigating and defending a covered claim including legal fees, experts fees and court costs). Product Liability insurance is there to ...
read moreDoes Public Liability insurance cover employees?
... between Public Liability and workers compensation Public Liability and Workers Compensation are similar in that both are insurance for employees policies that cover personal injury. Both policies cover legal costs and ...
read moreLegal Requirement for Public Liability Insurance
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read morePublic Liability Insurance NSW
... 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? Frequently Asked Questions Public Liability insurance is a crucial ...
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... 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? * As with any insurance, cover will be subject to ...
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read moreProfessional Indemnity Insurance And Public Liability Insurance
... need Public Liability insurance? How much does business insurance cost? You've got questions. BizCover has answers! From Public Liability and Professional Indemnity insurance to cover for your building, assets, and much ...
read moreA sole traders guide to understanding Public Liability Insurance
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... 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? *As with any insurance, cover will be subject to the ...
read moreInformation Technology Liability Insurance
... of what Professional Indemnity and Public and Products Liability insurance provide cover for. Professional Indemnity insurance Professional Indemnity insurance secures IT professionals and their businesses for claims ...
read more5 tips for getting the best Public Liability insurance for your business
... business related activities? For instance, does it cover both Public and Product Liability? What are the inclusions and exclusions of your Public Liability policy? And finally, who is covered by the policy? 2. Check the ...
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... Liability insurance product includes protection for Professional Indemnity and Public Liability insurance* and ... Indemnity and Public Liability insurance provide cover for. Professional Indemnity Insurance A Professional ...
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... business insurance such as Public Liability insurance and Professional Indemnity insurance may ... Liability insurance to compare competitive business insurance quotes, get covered in only 10 minutes, avoid paperwork, and ...
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... Public Liability insurance gives you extra peace of mind against potentially stressful, time-consuming and costly legal claims. Some things you may be covered for include: Legal costs ... products, Public Liability insurance ...
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read moreAdditional Cover for Professional Indemnity Insurance
... of Victorian based business Skin Naturalé Lynn Ross also holds extra cover options to her professional indemnity insurance. Lynn purchased public and products liability (PPI) when she started her business selling natural ...
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... does public liability insurance cover? Do I need public liability insurance? How much public liability insurance do I need? How much does public liability insurance cost? How much does public liability insurance cost for ...
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... circumstances. In addition, cover is available for public liability, tax audit, employment practices and statutory liability risks. Business Insurance is an insurance package designed to provide cover for your business ...
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... your business: Public Liability insurance* : Public Liability insurance is an important type of insurance cover for retail shop owners. Public Liability insurance is designed to help protect you and your business in ...
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... the form of Public Liability insurance, which covers third-party injuries and property damage that occur in the course of business. Or it could mean getting Product Liability insurance, which covers the consequences of ...
read moreProfessional Indemnity Insurance
... prior to the period of insurance Acts of fraud and dishonesty Accidental injury and property damage ( these kind of claims would typically be covered by Public Liability insurance ) How Much Cover Should I have ? With ...
read moreWhy do welders need insurance?
... BizCover makes insurance for welders cost-effective by providing an easy to use online platform where busy welders can compare competitive business insurance quotes from leading Australian insurers and get covered in ...
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... of some of the different types of business insurances your Perth business may require: Public Liability: This covers legal fees and compensation costs if a customer, member of the public, or a supplier claims against you ...
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... on this web page is general only and should not be relied upon as advice. Does the level of cover affect the premium? Generally, yes. But the cost of Public Liability insurance does not increase at the same rate ...
read moreHow much does Combined Liability Insurance Cost for Allied Health Professionals?
... will apply. Get a hassle-free quote for your business here. What is the average premium for combined Professional Indemnity & Public Liability insurance package? On average cost of an allied health combined Professional ...
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read moreWhat tradies need to know about Public Liability Insurance
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read moreWhat is Management Liability Insurance and Who Needs It?
... . Management Liability insurance typically provides cover for managers risks such as: Damages and costs awarded against the insured; Legal and defence costs; Claims investigation costs; and Some civil fines and penalties ...
read moreManagement Liability Insurance
... action (except under the Crime section) Known claims and circumstances Management Liability Insurance Fact Sheet Levels of Cover With BizCover you can choose policies with cover between $1m to $5m. When deciding on the ...
read moreWhat does Professional Indemnity Insurance cover?
... bank account. Below are some of the main things your policy may provide cover for: Damages and claimant costs awarded against you Civil liabilities which may arise from but are not limited to: Providing misleading or ...
read moreThe Reality of Retail- Real Life Claims and How Business Insurance can Help
... It’s always important to check your Product Disclosure Statement or policy wording to gain a better understanding of the types of breakdown which are (and are not) covered by insurance. Non coverages can relate to things ...
read moreThe bricks and mortar of building insurance cover – what you need to know
... What is Building Cover? Building Insurance provides protection for material damage to your premises, it can cover the cost of repairing or rebuilding your premises as a result of fire, storm and other perils, such as ...
read moreCyber Liability Insurance: the safety net small businesses need
... some time for the reality to hit, but the wider public is now starting to realise that hackers aren't just ... by covering the expenses and legal costs that are associated with breaches. Cyber Liability insurance won' ...
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... What is Cyber Liability Insurance and what does it cover? Cyber Liability insurance can protect ... breaches under the Mandatory Data Breach Notification Laws) and other legal costs A true story: how expensive a simple piece ...
read moreInsurance for Gardeners
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... compensation to the harmed party and your defence costs (such as legal costs, expert fees, and investigator costs). Public Liability - This type of insurance covers legal fees and compensation costs if a customer, member ...
read moreStatutory Liability*
... & what’s not Things to consider Back to Business Insurance Statutory Liability* Statutory Liability insurance covers the company, senior management and employees for allegations of wrongful breaches of key legislation in ...
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read moreBusiness Insurance Guide for the Self-Employed – Part 4
... you from claims and support your profitability in the event of a cyber breach or attack. Costs associated with defending a cyber claim are also covered. Examples of the types of risks Cyber Liability insurance can assist ...
read moreHow to set and negotiate consulting fees
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... For example, Cyber Liability Insurance covers your business against the expenses associated with data breaches. This includes the cost of business interruption, forensic investigation and data recovery, and extortion or ...
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read moreReviews related to Public And Product Liability Insurance Quote
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very easy to get my public liability insurance done within minutes!! Thanks.
Troy M
Landscape Construction -
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 -
Easy very fast and efficient, 1st timer on public liability insurance
Les K
Door Or Window Wholesaling -
Great Price on my Liability insurance
James M
Trades & Services -
Great service and product
Justin L
Civil Engineering Consulting Service -
So quick and easy to purchase liability insurance from a range of insurers. Very happy customer!!
Shirley M McIntosh
Trades & Services -
So quick and easy to purchase liability insurance from a range of insurers. Very happy customer!!
Shirley M
Food wholesaling nec -
Was easy enough to change levels of cover, compare conditions and then contract the insurance cover I wanted.
Soner B
Information Technology Services (IT) -
Compare the market were quick to respond to my enquiry, were extremely helpful, took the time out to understand what I needed and came back with some quotes very quickly. They helped me understand what insurance would be best for me and were extremely kno
Sarah W Woodland
Trades & Services -
Super easy and convenient, all my cover and insurance dealt with within minutes
Ellie K
Cosmetics Retailing - Direct Selling -
very quick and easy to get cover sorted.
Helen H
Management Consulting Service -
Easy to use, and I liked the instant quotes rather than having to wait for a call back
Robert and Jenny N
Telecommunication Services -
it was very easy and hope i have done it right and got the right cover
Belinda P
Bed And Breakfast Operation -
Very easy and quick to get several quotes and purchase a policy.
Terry D
Management Consulting Service -
Really easy to use and well priced insurance
Sarah S
Life Coach
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.