SMART Client Testimonial – Brenda Freeman
Client Testimonial – Brenda Freeman Meet Brenda Freeman from Global Options Brenda Freeman is co-founder of telecommunication specialists Global Options. Brenda’s Toowoomba based business, are
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How much public liability insurance will cost for your business depends on a number of key factors, including:
Generally the riskier the industry your business operates in, the higher the cost of your premium will be.
For example, trade industries such as electricians and plumbers present a relatively high risk to persons and property and may receive relatively high public liability premiums.
Smaller sized office based businesses such as graphic designers and bookkeepers which typically present fewer risks to persons and property may receive relatively low public liability premiums.
However, as they say, SIZE does matter.
So, for example, a graphic design business with 30 people may most likely receive a larger public liability cost than a sole trader electrician, despite the electrician being in a far riskier industry.
The third key factor that determines the price of public liability insurance is the amount of cover, or sum insured.
Typically public liability cover is available in either $5million, $10million and $20million.
The first two factors:
Important considerations when determining what public liability sum to insure:
If your business activities include working in the above locations you will need a minimum of $10,000,000 million public liability cover or even $20,000,000.
So, how much will public liability insurance cost you if you are self-employed ?
$5 million Public Liability Insurance cost for self –employed sole traders, consultants and contractors start from $380 annually or $35 per month for office based occupations.
$5 million Public Liability Insurance cost for some self-employed tradies , such as painters starts from around $480* or $45 per month.
Below are some indicative costs on how much public liability insurance is for various self-employed occupations .
There are typically many variables so if you want to find out exactly how much public liability insurance is to suitably cover your business activities it’s smart to talk to a SMART Business Insurance broker on 1300 542 573.
As insurance policies are priced according to risk each different trade is “rated” as a unique occupation by the insurers and will attract its own cost. As such office or professional occupations are typically rated as less risky than trade occupations.
Whether you are a tradie or office based business if you think you are paying too much for public liability a friendly SMART business insurance broker help. Call us on 1300 542 573 or contact us online
and we may be able to help you find affordable and suitable cover.
Please note: While cheap Public Liability Insurance can seem attractive on the surface it is important to ensure the policy covers you for the business activities you undertake and the insurance policy and company will respond as intended when there is a claim.
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We are business insurance brokers
What does this mean to you ?
What that means is that we are YOUR representative, and our first responsibility is to YOU, unlike an insurance agent who represents the insurance company.
And in the event of a claim, we fight for YOU, which may mean a faster and more successful claim.^
^Important : We have no power to authorise claims. However, our experience and assistance can help you when you have a claim.
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Client Testimonial – Brenda Freeman Meet Brenda Freeman from Global Options Brenda Freeman is co-founder of telecommunication specialists Global Options. Brenda’s Toowoomba based business, are
Are You Gambling With Your Commercial Property Insurance? Commercial investments can be a risky business at the best of times, especially in a perpetually changing
· We may act for you – not the insurance company
· We may obtain multiple quotes for you on suitable policies from leading insurance companies and underwriters
· You receive responsive friendly service.
· You’ll receive a competitive rate on a suitable policy year after year
· You’ll have us in your court if you need to claim
· Monthly payment options
· We’ll do the leg work for you!
Any information contained in this website is for informational purposes only and is in no way to be considered personal, financial or legal advice.You should contact an authorised insurance adviser, accountant or solicitor to obtain advice in relation to your specific situation . Use of this website does not create a relationship between SMART Business Insurance and the reader.
SMART Business Insurance is a Corporate Authorised Representative (AR Number 437328) of United Insurance Group (UIG) AFS Number 327131
Important : We have no power to authorise claims. However, our experience and assistance can help you when you have a claim.
*Important: Cover may be available subject to meeting insurers underwriting criteria. Some of the covers listed may or may not be available or may have limitations or exclusions. Cover inclusions vary significantly from insurer to insurer. DO NOT rely upon the above. Check your policy schedule carefully for inclusions and exclusions and limitations .Talk to a SMART business insurance broker on 1300 542 573 for more information.
enquiry@smartinsure.com.au
1300 542 573
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