Public Liability Insurance For Tourism
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Public Liability
... 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 ...
read moreHow much does Public Liability Insurance Cost?
... owners can expect to pay around $63.53 per month^ for Public Liability insurance . Public Liability insurance is one of the most popular types of insurance for businesses. In fact, it is important for almost every kind ...
read morePublic Liability Insurance Explained
... Advertising Injury Pollution Reckless or wilful failure to take care Do I really need Public Liability Insurance? Public Liability insurance is a fundamental type of cover that many different types of business may find ...
read moreWhat does Public Liability Insurance cover?
... means you could well end up paying for the claim straight from your back pocket . Bear in mind that Public Liability insurance is designed for all types of businesses, not just those who work in an office or have a fixed ...
read moreHow much Public Liability insurance do I need?
... up to you. Many business contracts will include a minimum amount of Public Liability insurance to be in place -stipulating the amount of Public Liability insurance you are required to have to comply with the terms of the ...
read morePublic Liability Insurance In Rockhampton
... , small businesses in Rockhampton pay $35.40 **per month for a Public Liability insurance policy. Public Liability insurance is one of the most popular types of insurance for businesses. In fact, it is likely to be very ...
read morePublic Liability Insurance In Port Macquarie
... in Port Macquarie pay $26.30 **per month for a Public Liability insurance policy. Public Liability insurance is one of the most popular types of insurance for businesses. In fact, it is likely to be very important ...
read morePublic Liability Insurance In Perth
... businesses in Perth pay $33.80 **per month for a Public Liability insurance policy. Public Liability insurance is one of the most popular types of insurance for businesses. In fact, it is likely to be very important ...
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... average, small businesses in Mandurah pay $28 **per month for a Public Liability insurance policy. Public Liability insurance is one of the most popular types of insurance for businesses. In fact, it is likely to be very ...
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... businesses in Hobart around $29.30 **per month for a Public Liability insurance policy. Public Liability insurance is one of the most popular types of insurance for businesses. In fact, it is likely to be very important ...
read morePublic Liability Insurance In Darwin
... in Darwin pay around $30.80 **per month for a Public Liability insurance policy. Public Liability insurance is one of the most popular types of insurance for businesses. In fact, it is likely to be very important ...
read morePublic Liability Insurance In Brisbane
... , small businesses in Brisbane pay around $55 **per month for a Public Liability insurance policy. Public Liability insurance is one of the most popular types of insurance for businesses. In fact, it is likely to be very ...
read morePublic Liability Insurance In Adelaide
... businesses in Adelaide pay around $37.50 **per month for a Public Liability insurance policy. Public Liability insurance is one of the most popular types of insurance for businesses. In fact, it is likely to be very ...
read moreInsurance for Consultants
... Social Worker Telecommunications Consultants Tourism Consultant Valuers (antiques and art only) Weight Loss Consultant ^Accurate as at September 2019 Public Liability Insurance* Public Liability insurance is a no brainer ...
read moreHow to start a business on the Gold Coast
... s the warm weather, the holiday vibe and the excitement of tourism - the theme parks, the beach, and the relaxed retail ... not be relied upon as advice. As with any insurance, cover will be subject to the terms, conditions ...
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... website for The Department of Jobs, Tourism, Science and Innovation features a range ... to consider when looking at business insurance for WA businesses. Public Liability insurance * is designed to provide protection ...
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read morePublic Liability Insurance for Cabinet Makers
... under a contract or as a condition of entry to a worksite. If so, make sure you have your Public Liability insurance policy sorted before you pick up the tools and that you have the right level of cover required. What ...
read moreDo I Need Public Liability insurance?
... a small price to pay for big peace of mind. What if I don't have Public Liability insurance? If you don't have Public Liability insurance, you may be exposed to different types of risks that could, in some circumstances ...
read moreA sole traders guide to understanding Public Liability Insurance
... the key things you need to know about Public Liability insurance and how it can protect your sole trader business. What is Public Liability Insurance? Public Liability insurance is designed to provide protection for you ...
read moreDoes Public Liability insurance cover employees?
... to have if your business involves interacting with people. What is not covered by Public Liability insurance? PL does not cover certain events. If your business is responsible for a claim that does not include injury ...
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 more5 tips for getting the best Public Liability insurance for your business
... it sounds, accidents happen. If you don't have Public Liability insurance you face the risk of being out of pocket for hefty ... plumbers to hold a minimum of $5 million PL insurance in order to secure a plumbing license. ...
read morePublic Liability Insurance NSW
... ! The last thing you want to think about is paying for unexpected accidents - they do happen! Public Liability insurance is designed to provide protection for you and your business in the event a customer, supplier or a ...
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 NSW
... exposure to potential risks, so there isn't a standard price for Public Liability insurance. The most accurate way to find out how much Public Liability insurance is going to cost your NSW business is by having a chat ...
read morePublic Liability Insurance Scenario
... story might have been avoided altogether in just a few minutes online. What Janine needed was public liability insurance or insurance that protects you and your business from being found liable to a third party for loss ...
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... ! The last thing you want to think about is 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 a ...
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 morePublic Liability Insurance in QLD
... Compare quotes from our trusted insurance partners*: Public Liability Insurance Cost What's included & what's not? FAQ's What is Public Liability insurance? Public Liability insurance is designed to provide protection ...
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 moreWhat tradies need to know about Public Liability Insurance
... break down the ins and outs of Public Liability insurance and what you need to know, without the boring bits. So what is Public Liability insurance? In a nutshell, Public Liability insurance * is there to protect you and ...
read moreHow much does Public Liability Insurance Cost for Restaurants & Cafe?
... 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 as the level of cover. For example, in 2021/22 in NSW ...
read moreProfessional Indemnity Insurance And Public Liability Insurance
... 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 BizCover you can choose policies with levels of ...
read moreWhat’s the difference between Public and Product Liability insurance?
... when it comes to protecting your small business with Public and Product Liability insurance. What is Public Liability insurance*? Public Liability insurance is designed to provide protection for you and your business ...
read morePublic Liability vs. Professional Indemnity insurance: What’s the difference?
... two different forms of cover and how they can protect your business. What is Public Liability insurance*? Public Liability Insurance is designed to provide protection for you and your business in the event a customer ...
read morePublic Liability PPC
... 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 attendance costs; and ...
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read moreDon’t let your business be an online target – what you need to know about Cyber Liability Insurance
... laptop or a USB in a taxi is an example of how easily a breach can happen. Cyber Liability insurance can provide financial protection by covering: Forensic investigation costs to find the issue Data r ecovery costs Ex ...
read moreBusiness Insurance Guide for the Self-Employed – Part 1
... some of the main types of business insurances on the market . Starting with Public Liability insurance. What is Public Liability Insurance? Public Liability insurance provides protection* for you and your business ...
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 moreInformation Technology Liability Insurance
... independent contractors to hold and maintain their own Professional Indemnity insurance policies. Public and Products Liability insurance Public Liability insurance is designed to provide protection for you and your IT ...
read moreAllied Health Combined Liability Insurance
... out and about, when you're interacting with clients, Public Liability insurance is an important consideration for allied health professionals. Public Liability insurance is designed to provide protection for you and your ...
read moreClaim for Public Liability
... business Easy online claims form Need help? Call 1300-249-268 Compare quotes from our trusted insurance partners: Public Liability It's important to notify your insurer as soon as possible of all compensation claims made ...
read moreProduct Liability Insurance
... 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 term in the policy ...
read moreCyber Liability Insurance
... Could this happen to you? What is Cyber Liability Insurance? Cyber Liability insurance* is designed to help protect you from claims ... the data breach. The cost of hiring a Public Relations firm to assist the insured with re ...
read more5 reasons to consider cyber liability insurance for your business
... to business as soon as possible. 5. Your current insurance policies may not cover against cyber attack You may have Management Liability or Public Liability insurance policies, but that doesn’t guarantee that you are ...
read moreTop tips for buying Management Liability Insurance
... . As such, proactively reducing your exposure to risk via business insurance such as Public Liability insurance and Professional Indemnity insurance may be something that you consider. 3. Don't confuse Management ...
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 ... legal costs that are associated with breaches. Cyber Liability insurance won't prevent an attack, but it ...
read moreWhat is Management Liability Insurance and Who Needs It?
... you are a business owner, business executive, or a senior business manager, you will likely be aware of Management Liability insurance and how it can help to reduce the unique risks that come with your role as a business ...
read moreManagement Liability Insurance
... *: What's included & what's not? Get the right cover Could this happen to you? What is Management Liability Insurance?* Everyone loves a surprise, except when you are a company director. If you own or are involved in the ...
read moreInsurance for Nurses
... 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 many nurses, considering how closely they ...
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 moreBusiness Insurance FAQs
... . What is Public Liability Insurance? What 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 ...
read more7 Common Types of Small Business Insurance
... It's wise to consider insuring your assets, your revenue, and your liabilities. 1. Public Liability Insurance Every business should consider Public Liability Insurance - even home-based businesses. It covers you and your ...
read more4 reasons why restaurant insurance is important (and how to protect yours)
... restaurant owners may consider to protect their business: Public Liability and Business Insurance. Public Liability insurance Public Liability insurance for restaurants can help safeguard your business against claims ...
read moreA sole traders and freelancers guide to business insurance
... bits! Let's start with one of the fundamental types of business insurances, Public Liability. What is Public Liability Insurance*? Public Liability insurance provides protection* for you and your business in the event a ...
read moreInsurance for hospitality business
... business owner, then these are just some of the types of insurance you might want to consider. Public Liability insurance This type of insurance is designed to cover your business if someone is injured or their ...
read moreUnderstanding Insurance for Retailers
... covers available to retailers. 1. Public Liability Insurance* This is one of the fundamental business insurances retailers may need to consider . Public Liability insurance is designed to provide protection for you ...
read moreTop seven tips for comparing business insurance quotes
... small business owners include: Public Liability insurance Professional Indemnity insurance Cyber Liability insurance Business insurance pack Commercial Property insurance When comparing business insurance quotes, don't ...
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Insurance for Butcher Shops
... , without the bull. Did you know? If you are a tenant it is usually a requirement to hold Public Liability insurance and Glass cover before signing a lease. Your landlord may also need to be noted as an interested party ...
read moreUnderstanding insurance for recruitment consultants
... Professional fees Known claims and circumstances Fraud and dishonesty 2. Public Liability insurance* Public Liability insurance is one of the vital insurances you need to consider as a recruitment consultant. It is ...
read moreA practical guide to understanding business insurance
... protecting your business from the risks your unique business may be challenged with. Public Liability insurance Public Liability insurance provides protection* for you and your business in the event a customer, supplier ...
read moreInsurance for Cafes
... your business for personal injury or property damage claims caused by your products. Public Liability Insurance* Do you need Public Liability insurance? The short answer is probably yes. Chances are you'll have regular ...
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 moreInsurance for Retailers
... party on the insurance policy. Insurance for Retailers Public Liability Insurance* Public Liability insurance is an important type of insurance cover for retail shop owners. Public Liability insurance is designed to ...
read moreWhat insurance do contractors and subcontractors need?
... may be held responsible for the repair or repainting of the ceiling. Do you need Public Liability Insurance by law? Public Liability insurance can often be a mandatory requirement for some trades when you operate under a ...
read moreWhat are some types of insurance available for small businesses?
... 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 ...
read moreInsurance for Management Consultants
... can help manage common risks, like document errors, missed deadlines, and negligence claims. Public Liability Insurance* Public Liability insurance is designed to provide protection for you and your business in the event ...
read more5 things to consider when purchasing business insurance
... are available to protect 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 ...
read moreInsurance for Civil Engineers
... assist with the legal costs associated with responding to or managing claims which are covered by the policy. Public Liability Insurance Whether you work on-site or in an office, as a civil engineer you will likely be ...
read moreHome Based Business Insurance
... Web developer What types of insurance do home businesses typically consider? Public Liability One of the basic insurances to consider is Public Liability insurance. Public Liability insurance is designed to provide ...
read moreBusiness Insurance in Townsville
... clients, or lease commercial space. However, a policy can be useful even if it's not required. Public Liability insurance helps you manage third-party claims of injury or property damage that could cost you hundreds or ...
read moreBusiness Insurance in Geelong
... trade licenses, work with some clients, or lease commercial space. Even if it's not required, Public Liability insurance can help you manage the costs of injury and property damage claims made by third parties. Business ...
read moreInsurance for Restaurants & Cafes
... contracting food poisoning due to a mishandled meal to a supplier slipping on a melted ice-block. Public Liability insurance * is there to help protect your business from potential claims likes these and others. Business ...
read more5 questions to ask yourself before buying Insurance for your small business
... your lease. Below is a summary of the key areas of cover available to businesses. Public Liability insurance Public Liability insurance is designed to provide protection for you and your business in the event a customer ...
read moreDishing up the facts on food business insurance
... your personal care. Did you know? On average, restaurant and café owners pay approximately $75 per month for their Public Liability insurance policy. That's a wrap! No need to get into a jam when it comes to arranging ...
read moreUnderstanding business insurance for bookkeepers
... you have clients visiting your office, home-office or you are out on the road visiting them, Public Liability insurance is something bookkeepers need to consider. It is designed to provide protection for you and your ...
read moreDebunking insurance myths – common insurance misconceptions
... on both your business' finances and reputation. This is something that Public Liability insurance* can provide protection for. Public Liability insurance is designed to provide protection for you and your business in the ...
read moreInsurance for Convenience Stores
... required as part of a commercial lease agreement. Insurance for Convenience Stores Public Liability Insurance* Public Liability insurance is an important form of insurance to consider before opening the doors to your ...
read moreInsurance for Engineers
... with your defence costs (which can include legal costs, investigator costs and expert fees). Public Liability Insurance Public Liability insurance * is an essential form of coverage for many engineers, as they often work ...
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... 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 ...
read moreInsurance for Restaurants
... happen in a restaurant environment. You should consider protecting your business with Public Liability insurance . Public Liability insurance is designed to provide protection for you and your restaurant business in the ...
read moreInsurance Considerations for Personal Trainers
... (or even 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 ...
read moreReviews related to Public Liability Insurance For Tourism
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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 -
very easy to get my public liability insurance done within minutes!! Thanks.
Troy M
Landscape Construction -
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 -
seems easy enough to obtain our public liability. Hopefully we are fully covered now.
Natalie R
Commercial Cleaning Services -
So quick and easy to purchase liability insurance from a range of insurers. Very happy customer!!
Shirley M McIntosh
Trades & Services -
Great Price on my Liability insurance
James M
Trades & Services -
So quick and easy to purchase liability insurance from a range of insurers. Very happy customer!!
Shirley M
Food wholesaling nec
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.