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Public Liability Insurance: 5 Tips for choosing the best policy for your business

... 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 ...

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What is Public Liability Insurance?

... and any compensation claims, leaving your Most public liability policies also extend to Product Liability cover. If you sell, supply or deliver goods, even in the form of repair or service, you may need cover for claims ...

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How much does Public Liability Insurance cost?

... do Tradesmen pay for Public Liability Insurance? Within the Trades & Services industry there are ... trades and services occupations, it is evident that Plumbers, Electricians, Painters and Commercial Cleaners attract the ...

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Understanding Insurance, Part One: Public Liability Insurance

As 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 ...

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The difference between public liability and professional indemnity insurance

... difference between Professional Indemnity and Public Liability insurance as the two types ... of protection. Public Liability Insurance VS Professional ... work Making mistakes or oversights Any omissions in the provisions of your service Do I really need Public Liability Insurance? If you or your employees interact with other people while doing business ...

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What does Public Liability Insurance Cover?

Public Liability Insurance protects you and your ... ... products or services cause property damage. For example, it can provide protection if an employee damages your customer's property whilst carrying out garden maintenance on their property. Public Liability not only ...

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How Plumbers Can Protect their Business with Public Liability Insurance*

As 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 ...

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Public Liability Insurance

... 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 ...

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Types of small business insurance in New Zealand

If 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 ... liabilities. Public Liability Insurance Every business should consider Public Liability Insurance - even home-based businesses. It covers you and your employees for potential liabilities if your products or services ...

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Insurance Options for Retailers

Running 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 ... which can help protect your retail business. Public Liability insurance* This is one of the first ... if your store has features like large shopfront windows, mirrors and display cabinets. BizPack Glass cover ...

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Key things to look out for when Growing Your Small Business

There 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 ... pay off previous debts that they weren't able to service. Avoid debt cycles and don't over-borrow just ... You Do? Insure your legal liability! Public and Product Liability (or 'PL') covers claims against property ...

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Preparing your store for the holiday season ahead

The 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 ... protect you and your business against a public liability claim. Reduce shoplifting The busier your ... not in use Installing video surveillance and monitoring services to deter would-be thieves and assist you ...

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Business Risk: What Isn't Covered and Why it Matters

One 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 ... your insurance. Read the below carefully: Public Liability - This protects against the financial risk of ... it some thought at least once a year when your service anniversary comes around. You also need to review your ...

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Small Business Insurance: Why you might want to ensure you're covered!

You 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 ...

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Insurance options to protect your cleaning business

... work as a cleaning contractor or operate a small cleaning business, you ... your clients happy with squeakyclean results. It's also important ... activity . Some of the main types of claims cleaners face are for injuries (when not covered by the ... Even if you are flying solo as a cleaning business, Public Liability insurance is still something you need to ...

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Insurance for Allied Health Professionals

... in carrying out their professional services or treatments. Allied Health Professionals ... their premises, you should seriously consider taking out public liability insurance for your protection. Claim example A yoga ...

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Massage Therapy Insurance: here's why you need it!

... hold and maintain a Professional Liability Insurance package. #1 Protect against ... ... in a unique position of trust, and the service you provide comes with an expectation of a high ... as result of a breach of your general liability. Public Liability insurance protects you against claims from customers or ...

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Insurance for Consultants

... Title / Legal Searchers Translator Workflow processes & procedures Public Liability Public Liability insurance is a no-brainer when it comes to offering consultancy services. When you are dealing with clients on a ...

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Insurance for IT Professionals

... - Packaged/Third Party Software Systems Analysis Systems Audit Systems Integration Telecommunication Services Troubleshooting Public Liability Chances are, you visit client premises to install and maintain their hardware ...

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Insurance for Painters

... 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 ...

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Insurance for Engineers

... 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 ...

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Insurance for Mortgage Brokers

... it? As a Mortgage Broker working in a service-based business, your reputation is vital to your success. ... could put you out of business. The right public liability cover can defend you against compensation claims and legal ...

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Why Do Marketing Consultants need Professional Indemnity Insurance?

Your 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 ... in the provision of your professional service or advice. P rofessional Indemnity Insurance ... , you may need to consider Public Liability insurance. Public Liability insurance is  designed to provide protection ...

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Why Do Marketing Consultants need Professional Indemnity Insurance?

Your 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 ... in the provision of your professional service or advice. P rofessional Indemnity Insurance ... , you may need to consider Public Liability insurance. Public Liability insurance is  designed to provide protection ...

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What Photographers Need to Know About Business Insurance

The 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 ... Accident Compensation C orporation (ACC). Public Liability insurance also covers any legal ... that you were negligent in the delivery of your professional services. All it takes is for a dissatisfied client to ...

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Insurance for Architects & Designers

... against them in carrying out their professional services or advice. It provides cover for damages ... clients, contractors and the general public, then the short answer is yes. Public Liability insurance is an important form ...

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Insurance for Hairdressers

... home-based business or offer a mobile service to your clients, we can tailor a policy to suit your needs. Public Liability If you are in business you have a potential liability exposure arising out of the operation of ...

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Insurance for Accountants & Tax Agents

... Do clients 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 ...

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Insurance for Tradesmen

... 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 ...

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Insurance for Beauty Salons

... 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 ...

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Insurance for Real Estate Agents

... 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 ...

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Insurance for Personal Trainers

... 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 ...

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BizCover expands into New Zealand and launches BizCover.co.nz

Auckland, 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 ...

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BizCover expands its insurance offer and launches a new look

BizCover launches a new website making it easier for Australian customers to compare and buy professional indemnity and business insurance online Sydney, Australia ... quick and easy online professional indemnity and public liability insurance for over 200 professions. The new ... Although BizCover is constantly evolving and enhancing its services, its motto of providing quick and easy ...

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Insurance by Professions

... 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 ...

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It's Time for an Insurance Health Check!

The 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 ...

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Customer Spotlight: Scotchbox

Scotchbox 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 ... offering a unique and bespoke whisky subscription service. The subscription lets customers subscribe to ... business because I want to be protected from public liability, selling food and drink to consumers and alcohol ...

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Business Insurance

... , stock and other assets. And you can include Public Liability Insurance to ensure you are left financially sound for ... that is damaged or broken, such as windows, mirrors or porcelain. Electronic Equipment Covers your ...

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4 Areas You May Not Have Thought Business Insurance Covers

You 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, ... glass that is damaged or broken, such as windows, mirrors or porcelain. Money – Covers money belonging ... include other essential covers such as Public Liability and Professional Indemnity insurance to ensure ...

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Tear and Share: Our customers get even with their old insurance policies

We 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 ...

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Understanding Insurance, Part 4: Cyber Liability Insurance

... 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 ...

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Statutory Liability Insurance

... 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

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Employers Liability Insurance

... 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 ...

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Cyber Liability Insurance

... 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 ...

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Professional Indemnity Claims: when should I notify my insurer?

... who provides advice or a service to your clients, your Professional ... ... where you are accused of failing to provide a service as promised or advertised If a complaint is made ... that you have complied with the requirements Never admit liability or attempt to resolve a complaint on your own, ...

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Customer Spotlight: TwoBlackLabs

TwoBlackLabs create tailored services to assist clients by managing ... privacy, GDPR and data protection services, Founder and Principal Consultant ... who has over 10years experience in both the public and private sectors with previous experience which includes ... to have a personal belief and passion in the services which you offer and to network with other business ...

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Understanding the risks for Real Estate Agents

... , errors and omissions from professional services provided. The REINZ Code of ... ... it as soon as the information arises or face possible liability for any issues. For example, if the agent was ... where they have a personal interest in their advice or services given, or the interest of one agent's client ...

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Take Back Your Time With These Apps

... your selling your products and services, next your creating your marketing ... ... business owner is the ability to wear many hats at once, one minute your selling your products and services, next your creating your marketing strategy and processing payroll. Let's take a look at how you can ...

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Help Protect your small business' reputation

When 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 ... client, failing to provide a promised service, or even being falsely accused of ... public relations expenses to help prevent or minimise reputational damage whilst your business is under scrutiny. Employers Liability ...

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What does Professional Indemnity Insurance cover?

... from an act, error or omission arising from the services or advice your business provides. What is covered? ... legal fees to defend against the claim of liability. Professional Liability insurance can cover the cost of the ...

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The Art of Celebrating a Win this Winter

In 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 ... 't need a certificate of appreciation for keeping the floor clean and no one is going to throw you a parade ... staff know it matters. Give them kudos & make it public) TALK (Let people know about your wins, let them ...

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What is Professional Indemnity Insurance?

... are being paid to provide your professional advice or service you have a duty of care to your clients ... of cost. The surveyor's insurer recognised his liability and made a quick settlement offer. Interestingly, the ...

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What do you need to know about Professional indemnity insurance?

Professional Indemnity Insurance (PI) can be difficult to comprehend, but only at first. In this article, we explain what professional indemnity insurance is and why ... client a financial loss and putting you in the hot seat. A lot of practices, even the ones with clean claims records, should be cautious. Increasing the amount of coverage if is appropriate, may be necessary from time ...

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BizGiver launch in NZ: Granting a $2000 wish this spring

Ask 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 ... enter your details and make your wish for an item or service would help take your business to the next level and why ... and from there the winner will be determined by public voting via the BizCover Facebook page. You can ...

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Managing the work-life balance see-saw: Secret tips for small business owners.

Owning your small business can feel a bit like a balancing act with the everyday responsibilities of running the show, whilst trying to maintain a healthy lifestyle ... postcard of that tropical beach where you enjoyed a few too many hours in the sun. Keep it tidy. A clean space is much more inviting and productive to operate in. By keeping things organised and in the right place you ...

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5 Often Overlooked Email Marketing Practices You Need To Master

Just like any other marketing channel, email marketing has its own set of best practices. Whether you're sending welcome emails, segmenting your lists, or personalising ... to readers. Remember, eliminate fluff from your email copy when possible. By keeping your copy clean and concise, you're showing you respect subscribers' time. According to the Simplicity Index , ...

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How to protect your small business from cybercrime

Unfortunately, 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 ...

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7 Ways You Can Protect Your Business and Personal Information Online

The 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 ... you can't remember a password for a seldom used online service and have to use the security question. Make sure your ... send. For this same reason, if your business offers public wi-fi, you should not use it for any of ...

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Cyber Insurance - Is it worth it?

Many 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 ...

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Reviews related to good public liability window cleaning service

  • 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

  • Very quick polite and easy to deal with. Happy with service provided

    gary smith
    Trades & Services

  • Excellent online service, frequent reminders of the expiry date, and a reasonable cost for the protection.

    David Crockett
    Trades & Services

  • I was impressed with the quick service and how able they could ask my questions

    Tony Bailey
    Trades & Services

  • Very pleased with the helpful service

    Richard Evans
    Trades & Services

  • I thought the service I received was very awesome,

    Pene Nepia
    Trades & Services

  • Great service easy process

    Michael Price
    Trades & Services

  • It was grate and on timings,fast,good customer services.

    David Tabar
    Trades & Services

  • Compared to the other quotes I was getting and poor customer service I was dealing with, BizCover were friendly and helpful, patient as I said I wasn't ready yet due to waiting for other insurance brokers who were terrible, BizCover kept trying to call bu

    Layla Dowthwaite
    Consultancy Occupations

  • Just so you know, this is the 2nd review I've been asked to do. BizCover staff were accommodating, I didn't have to wait long for service, they were knowledgeable and polite, listened well and gave excellent information and advice to me.

    Kate Carlisle
    Allied Health

  • Efficient service with reminder notice well in time, when my cover was due to expire.

    PAMELA HARVEY
    Consultancy Occupations

  • Good service - a little pushy with the reminders

    Michael Alan Baylis
    Architecture & Surveying

  • Great service, easy to follow and easy to purchase

    Briana Nathan
    Allied Health

  • Very helpful and friendly service

    David Slater
    Allied Health

  • Its been very easy to re-instate my isurance for the next 12 months. I do not really have any additional comments to make because i have not been provided any special service. I would definitely do business with you again

    Sharon Williams
    Information Technology

  • Extremely easy, user-friendly online purchase process, really good. But like all insurance the value isn?t known until you need to make a claim. I hope if that?s ever needed, that process and customer service is equally as good.

    Angela Clarke
    Information Technology

  • Fast friendly and very good service thank you

    Gerald Eaton
    Allied Health

  • Great service, quick and easy to apply

    Fiona Morrison
    Retail

  • Easy and affordable. Friendly customer service rep.

    Ian Leader
    Consultancy Occupations

  • Very slick and quick service with a great premium price for the cover. All done on-line with no long forms to fill in.

    Stephen Hutchins
    Information Technology

  • Great service :)

    Richie Campbell
    Multimedia and Marketing

  • I did fill this in before - don't know what happened to it. I thought the on-line service was good. The real proof about the value of any insurance product though is what happens when you have to claim!

    Alison McDonald
    Consultancy Occupations

  • Fast and reliable! Good customer service!

    Joem Baldesco
    Architecture & Surveying

  • excellent and quick

    LALESHNI DEVI
    Trades & Services

  • Awesome very easy to use and not complicated to use

    Ross and Jenny Fletcher
    Trades & Services

  • quick and easy.

    George Curach
    Trades & Services

  • A real person promptly answered my phone call - no redirection / no music while holding!! Quick and efficient answers to my questions.

    Astrid Herbert
    Trades & Services

  • Follow up was not what I required. To long to get feedback on queries.

    Bruce CHRISTIAN
    Trades & Services

  • Awesome experience. Talking to a real person that had a pleasant persona. Was just so easy and I think it was Aaron?? was great to deal with. Gave us some discount as we are recognised as an existing client which is always a good feel thing and also that

    Pete Halligan
    Trades & Services

  • Easy very grateful thankyou

    Chas Pourau
    Trades & Services

  • Prompt response to my initial enquiry and subsequent questions about the policy.

    Carol Freebairn
    Trades & Services

  • have referred a work mate to BizCover, overall happy

    Doug Fowler
    Trades & Services

  • Would recommend to anyone ...cheers

    Mike Liuaga
    Trades & Services

  • The representative said that he wasn't sure if the situation I described was included in the insurance I selected and he would need to check with the under writer and call me back. I thought "yeah right" but he did call back very quickly and then my cover

    Quentin Duff
    Trades & Services

  • I found very efficant no hassle with doing quote or buying the cover

    Desmond Procter
    Trades & Services

  • Quick to send through a quote. Had difficulty getting answers to questions because my contact person was away sick. Apart from that I was very happy with the price

    Paul Exton
    Trades & Services

Get instant quotes

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 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:

  • Do any of your contracts require a minimum level of cover?
  • Has your industry body set a minimum level of cover for membership?
  • Does your business or trade license require a minimum amount of cover?
  • Do the terms of your lease require a minimum level of cover?
  • Finally, think about what your level of risk and exposure could be. What kind of accidents could occur, and what could be the potential cost of a claim?