... $39 per month. A further thirty-three percent of customers pay between $40 and $59 per month for their Public Liability insurance, and only six percent pay $100 or more. Below is the full breakdown What is the average ...
read more... business and your customers with Public Liability insurance is one of the ... , or even member of the public, sue your business for damage ... ... making mistakes and the potential for accidents to occur. There is a lot to consider when purchasing a Public Liability policy, and the above tips are a good starting point to getting the right policy. However, as the ...
read more... empty pockets (and some) because you tried to save a bit of cash by not purchasing the right amount of Public Liability insurance, or worse, didn't have any at all. If the risk to your businesses is such that you would ...
read moreAs a small business owner, there is a lot to think about when running your own business. Whether its balancing the books, creating marketing plans or connecting with ... cover any legal defence costs you incur as a result of defending yourself. Why do I need Public Liability Insurance? While you may take all the care in the world to create a safe environment, the ...
read more... difference between Professional Indemnity and Public Liability insurance as the two types ... of protection. Public Liability Insurance VS Professional ... professionalism. There is always the risk of an unhappy client making a claim against you. A Public Liability claim could result from Accidental damage to a third party's personal property A faulty or defective ...
read morePublic Liability Insurance protects you and your ... ... . If one considers the legal defence costs alone, these could put you out of business. With the right Public Liability cover in place, the insurance company will provide the funds to cover your legal costs and any ...
read moreAs a plumber you are faced with different challenges every day, one minute you're fixing a burst pipe, next youre unplugging a drain, no two days are ever the same! ... and the last thing you need is a claim to flush your dreams away. With the appropriate level of Public Liability insurance in place, you are providing a financial safeguard to help you stay around for the long haul ...
read more... and circumstances Get the cover that's right for your business With BizCover there are 4 levels of Public Liability cover to choose from, being $1 million, $2 million, $5 million, and $10 million. Policies are typically ...
read moreIf you own a small business, there's no denying one the most important things you need to protect your assets is Small Business Insurance. But what kind of insurance ... yourself against claims arising from an act, omission, or beach of duty in the course of your work. Your Public Liability policy does not provide protection if there is financial loss only or if the cause of the loss was ...
read moreRunning a retail store can be a complicated business, with no two days ever the same and many different potential challenges. Regardless if you a have gift store or ... look at some of the insurances available through BizCover which can help protect your retail business. Public Liability insurance* This is one of the first insurances a retail business will typically take out to ...
read moreThere comes a time when every successful enterprise needs to ditch the baby steps, put it all on the line, and take a giant leap forward. At that point, the decisions ... crucial. Ignore them at your peril. So What Can You Do? Insure your legal liability! Public and Product Liability (or 'PL') covers claims against property damage or personal injury to a third party caused by ...
read moreThe holiday season is upon us, which is an important time for retail businesses. It can provide a much needed boost in sales, but on the flip side it can also mean an ... policy has adequate cover to protect you and your business against a public liability claim. Reduce shoplifting The busier your store is, the higher the risk of being exposed to theft and shoplifting ...
read moreOne of the most common issues with Business Insurance is that policy owners often fail to understand what it does protect you against, and the risks that still remain ... understand its purpose. This will depend on the type of your insurance. Read the below carefully: Public Liability - This protects against the financial risk of being found liable for causing damage to the property ...
read moreYou shouldn't think of insurance just as an expense, instead think of it as a protection plan, protecting your livelihood should an unforeseen (and rather costly) event ... Indemnity might be compulsory if you are part of a professional association. If you rent your premises, public liability may be a requirement from your landlord. Or if you take out a contract with a large organisation ...
read moreIf you work as a cleaning contractor or operate a small cleaning business, you know how important it is to have an eye for detail, ensuring you make your clients happy ... * ? One of the fundamental types of insurances for most kinds of businesses is Public Liability insurance. Public Liability insurance is designed to cover the legal fees and compensation costs if a ...
read more... hold and maintain a Professional Liability Insurance package. #1 Protect against ... ... , you face the risk of legal action as result of a breach of your general liability. Public Liability insurance protects you against claims from customers or other third parties by covering any compensation awarded ...
read more... your home or business, or if you visit their premises, you should seriously consider taking out public liability insurance for your protection. Claim example A yoga instructor hired premises in a busy centre to run ...
read more... Management Strategic business planning Title / Legal Searchers Translator Workflow processes & procedures Public Liability Public Liability insurance is a no-brainer when it comes to offering consultancy services. When ...
read more... to someone on your premises or where you conduct your business. Some large projects might insist on Public Liability being in place before you go on site. Business Insurance Most businesses will have assets of some ...
read more... a claim as well as the potential cost of a settlement could put you out of business. The right public liability cover can defend you against compensation claims and legal costs in the event of physical injury or property ...
read moreYour clients rely on you for your marketing expertise and advice to help increase their leads and increase their profits. But when things don't go to plan and accusations ... you or you 're out on the road meeting them, you may need to consider Public Liability insurance. Public Liability insurance is designed to provide protection for you and your business in the event a customer ...
read moreYour clients rely on you for your marketing expertise and advice to help increase their leads and increase their profits. But when things don't go to plan and accusations ... you or you 're out on the road meeting them, you may need to consider Public Liability insurance. Public Liability insurance is designed to provide protection for you and your business in the event a customer ...
read more... need it? If you have regular contact with clients, contractors and the general public, then the short answer is yes. Public Liability insurance is an important form of cover to protect you from financial losses arising ...
read more... be a grey area as to whether the claim falls under a Professional Indemnity or Public Liability policy, so it's wise to consider a liability package with combined cover from the same insurer. That way there will be no ...
read more... usually cover only the insured and their employees, not subcontractors. Insurance for Plumbers Public Liability Public Liability is perhaps the most important insurance option for painters to consider. It will protect ...
read more... . If you lease your premises, then your landlord will more than likely insist on you having public liability insurance. Business Insurance Your business assets are as critical as your customers to maintain the cash ...
read moreThe photography industry is an exciting one with no two days ever the same. Whether you work in a studio or you're out and about shooting on location, photography is ... injury or death in circumstances that are not covered by the Accident Compensation C orporation (ACC). Public Liability insurance also covers any legal costs that you may incur while defending yourself ...
read more... accidentally lost control and damaged the side of his client's house. Fortunately, the landscaper had Public Liability cover and his insurer quickly agreed that the third-party property damage arose out of the operation ...
read more... you are renting your beauty salon space, check if your landlord requires you to have a particular level of Public Liability cover. How much would it cost to replace your stock, contents and salon equipment if it was lost ...
read more... visit your office for their calculations? Or do you provide an in-home service? If yes, then Public Liability Insurance is a vital type of insurance to protect your business against financial losses arising from claims ...
read more... real estate, poor property management, allegations of misleading or misrepresentation or a breach of statutory rules. Public Liability This insurance is an essential component of any business insurances. It covers your ...
read more... for any action taken against you for a combination of reasons. It includes Professional Indemnity and Public Liability cover to provide you indemnity for injury or damage caused by or arising from an tuition instruction ...
read moreBizCover launches a new website making it easier for Australian customers to compare and buy professional indemnity and business insurance online Sydney, Australia ... BizCover. BizCover.com.au is already renowned for providing quick and easy online professional indemnity and public liability insurance for over 200 professions. The new website enhances this offer by giving BizCover's ...
read moreAuckland, New Zealand - February 8, 2011. BizCover, the pioneer online insurance marketplace in Australia and leading provider of online professional indemnity insurance ... indemnity insurance and will soon be expanded to add in Public Liability, Statutory Liability, Employers Liability, Employment Dispute Liability and other associated insurance products. To obtain a quote for ...
read more... insurance offer includes Professional Indemnity insurance, Public Liability Insurance, Statutory Liability Insurance, Cyber Liability Insurance and Employers Liability Insurance for a variety of occupations. You ...
read moreThe end of financial year is a time for people to plans for the new financial year ahead. It's also a great time for business owners to take stock and do a bit of planning ... is growing and your level of exposure increases you may need to consider increasing the level of public liability insurance that you hold. Are there statutory requirements you need to meet (certain contracts may have ...
read moreScotchbox is all about sampling Whisky and other spirits that aren't easy to find, or, you perhaps wanted to try but didn't want to buy a bottle. With Scotchbox you ... his Scotchbox stock. “I chose to insure my business because I want to be protected from public liability, selling food and drink to consumers and alcohol specifically I could be responsible for issues or problems ...
read more... your business needs and provide protection for your contents, stock and other assets. And you can include Public Liability Insurance to ensure you are left financially sound for the costs of a legal claim should a third ...
read moreYou work hard to build your business. So it's vital to protect your business assets and revenue against potential risks that may impact your business, such as fire, ... . You can tailor a policy to suit your needs and include other essential covers such as Public Liability and Professional Indemnity insurance to ensure you are not left financially responsible for the costs of a ...
read moreWe recently launched a campaign that showed how small business owners really feel about their expensive, archaic policies and encouraged them to get them out of their ... trade, to shred their old policy. Dave, our resident tradie, showed no mercy when he subjected his old public liability policy to his bandsaw. Jill, the café owner, gave the fruit and veg a break and instead blended ...
read moreAt long last, the wider public is starting to realise that ... At long last, the wider public is starting to realise that hackers aren't hooded movie villains - they' ... could be just as harmful. This is where Cyber Liability insurance provides a crucial safety net for SMEs in NZ ...
read more... series we explore how Cyber Liability insurance can protect your business ... ... hacked or from the theft or loss of client information. Why do I need to consider Cyber Liability insurance? A common misconception is that hackers only go after the big fish but when it ...
read more... for their actions in the workplace. Statutory Liability Insurance protects you, your business and your ... workplace injuries Environmental breaches, such as unintentional discharge of waste into public watercourse
read more... to ensure a safe working environment, and no matter how much we plan, accidents do occur. Employers Liability insurance protects you against settlements or damages, including defence costs, as a result of an employee ...
read more... estimated costs to New Zealand businesses as a result of Cyber crime is $650 million annually* Cyber Liability Insurance is designed to protect your business against the expense and legal costs arising from data breaches ...
read moreWhen it comes to running a small business, your brand and its reputation are priceless. No doubt you've spent countless hours establishing your name by building strong ... suing party, it also offers coverage for public relations expenses to help prevent or minimise reputational damage whilst your business is under scrutiny. Employers Liability Insurance Being the director or part of ...
read more... Defamation, libel or slander resulting in public relations and reputation management costs Damages ... legal fees to defend against the claim of liability. Professional Liability insurance can cover the cost of the claim ...
read moreBuying any insurance, can be a confusing and time consuming process. And when it comes to getting your Professional Indemnity Insurance, it can be even more so. Here ... : Lost Documents, Fidelity (cover for a loss due to employee's dishonesty), Public Relations Costs, Statutory Liability (cover for unintentional breaches of acts or legislation), Court Attendance Costs and ...
read moreUnfortunately, there's no off season for cyber criminals who are always on the prowl, leaving no small business immune especially when it comes to obtaining financial ... insurance can be a valuable tool in protecting your business. What is Cyber Liability insurance cover? Cyber Liability is designed to cover your business against the expenses and legal costs associated with ...
read moreIf you are a professional who provides advice or a service to your clients, your Professional Indemnity (PI) insurance is no doubt one of the most vital covers you have ... circumstances listed earlier occur, even if in doubt it means that you have complied with the requirements Never admit liability or attempt to resolve a complaint on your own, even if you are at fault. Let your insurer ...
read moreIn the Real Estate Industry, Professional Indemnity Insurance provides essential financial protection against potential losses arising out of acts, errors and omissions ... of the sale of property the agent must communicate it as soon as the information arises or face possible liability for any issues. For example, if the agent was aware of a plumbing issue and flooding in the lower ...
read moreMany businesses think their business is too small to attract cyber criminals. Yet, when it comes to cyber theft, size doesn't matter. Hackers are on the lookout for ... of dollars per year. But cyber risk is not just about hackers. It also covers staff who accidentally make public confidential information, insider theft as well as theft or loss of a device. Like the Australian case of ...
read more... the error and asked him to pay for the variation of cost. The surveyor's insurer recognised his liability and made a quick settlement offer. Interestingly, the settlement was way more than the fees actually earned for ...
read moreToday we're looking at one of our customers who are responsible for elevating the arts and culture scene in Wellington to new heights. Directors Claire Mabey and Andrew ... the LitCrawl festival in Wellington - a festival of literature set in local bars, cafes, venues, book stores, and public spaces. It began as 14 events and has since grown to over 50 events, with 150 artists and over 5 ...
read moreIn the insurance world, we focus on loss prevention. We're experts on the nature of risk and we pride ourselves on the level of protection we give small enterprises ... fancy… movie tickets, bottle of wine etc.) ACKNOWLEDGE (Let staff know it matters. Give them kudos & make it public) TALK (Let people know about your wins, let them be happy for you) HANG IN THERE One final ...
read moreTwoBlackLabs create tailored services to assist clients by managing and making their business' unique security and privacy risk needs easier. They also specialise in ... hear.” Caroline is a Privacy and Security Risk professional who has over 10years experience in both the public and private sectors with previous experience which includes working for Deloitte and KPMG. She says the ...
read moreThe world today is digital, where you can now do everything, from reading books, listening to music, booking a taxi, pre-ordering your groceries for delivery and even ... aren't able to just see everything you send. For this same reason, if your business offers public wi-fi, you should not use it for any of your own transactions or business communications. Firewalls, Antivirus ...
read moreAsk any small business owner about the most difficult aspect of running a business and you'll most likely get a range of answers. However, there is common one thing ... end of each entry period, BizCover will select the finalists, and from there the winner will be determined by public voting via the BizCover Facebook page. You can enter as many times as you desire, providing you meet ...
read more... costs awarded against the insured Legal and defence costs Claims investigation costs Inquiry attendance costs Public relations costs What is NOT covered? Intentional damage Known claims and circumstances Fraud and ...
read more... Professionals Market Researchers Marketing Consultants Website Marketing and Multimedia Professionals Printers Public Relations Consultants Publishers SEO Consultants Sign Writers Professional Indemnity Insurance for ...
read moreHere at BizCover, any opportunity for us to brag about how awesome our customers are, we'll take it. With today being World Chocolate Day, what better time is there ... “But now the same bakers have strong self-confidence, the ability to socialise within the team and even with the public with no reservation. As a result, some of the bakers are now our top cookie cutters with the ability ...
read moreHere at BizCover, any opportunity for us to brag about how awesome our customers are, we'll take it. With today being International Cookie Day, what better time is there ... “But now the same bakers have strong self-confidence, the ability to socialise within the team and even with the public with no reservation. As a result, some of the bakers are now our top cookie cutters with the ability ...
read moreThere's a great deal of responsibility and care required when you provide specialist advice and services for a living. No matter how professional you may be, all it ... the insured Legal / defence costs Claims investigation costs Inquiry attendance costs Public relations costs What is typically not covered by Professional Indemnity insurance ...
read moreGetting the insurance sorted for your small business can be pretty straightforward, jump online, compare quotes and buy the insurance that suits your business. But there ... your business A key thing to be aware of is that your personal insurance may not cover your business liabilities or property. If you work from home, your home and contents insurance policy might not cover all the ...
read more... of the following activities: Recording, Monitoring and Tracking the Value of Assets & Liabilities Recording, Monitoring and Tracking Income and Expenses Reporting Requested Bookkeeping Information Bookkeepers generally ...
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It was so easy and great time saver, prompt delivery to obtain the Public Liability and Professional Indemnity I require as an Occupational Health and Safety Consultant and Practitioner. Other quotes took well over a week to come back to me.
Definitely r
Patricia Copp
Consultancy Occupations
You made the purchasing of public liability cover simply easy and straight forward
Peter McLaughlin
Trades & Services
With BizCover there are 4 levels of Public Liability cover to choose from, being $1 million, $2 million, $5 million, and $10 million.
Policies are typically tailored to suit the type of industry your business operates within. However, the amount of cover required will vary from one business to another. When deciding on how much cover you need for your business, consider the following factors:
