Compare online quotes for public liability insurance in SA here with Savvy today.
Fact checked
We’ve partnered with BizCover to bring you a range of business insurance policies to help you compare them side by side.
All businesses in SA have a duty of care to take steps to prevent anyone from being injured whilst on their business premises. If someone does get hurt, or their property is damaged, and your business is found to be liable, a personal injury claim can run into the millions. Public liability insurance is designed to protect businesses from the financial burden of liability claims as a result of injury or property damage, regardless of whether your business is located in Adelaide or Port Augusta.
Savvy makes the process of finding suitable public liability insurance easy by providing a range of quotes from some of Australia’s leading insurers. Just answer a few simple questions about your business and you’ll soon have a range of competitive quotes to compare online. Get started with a free no-obligation quote through Savvy today.
Public liability insurance is a form of business insurance that can protect your business in the event you’re the subject of a personal injury or property damage claim. This could result from a customer, client or supplier becoming injured as a result of your negligent business activity.
If your business is subject to a claim, public liability insurance may assist you in covering the costs involved with either a full or partial reimbursement. Naturally, as with all insurance policies, eligibility for public liability insurance coverage is subject to your insurer’s terms and conditions, which you’ll have to meet to have your claim approved.
You can compare a range of quotes for public liability insurance by applying through Savvy today. You’ll be able to consider deals from our trusted insurance providers online, so start the process today.
Public liability insurance can cover your business against the following:
Naturally, because all insurance coverage is subject to eligibility criteria and terms and conditions, it’s important to read the product disclosure statement (PDS) carefully before deciding which insurance policy offers the most appropriate cover for your business.
What is not covered by public liability insurance?
If your business has additional insurance needs which aren’t covered by public liability insurance, some insurers can offer business insurance packages that combines several types of insurance in one bundle. In some cases, this may reduce the overall cost of your insurance if you require multiple types of insurance.
Many different types of businesses in South Australia should consider taking out public liability insurance, including the following:
There are several elements you should compare when deciding what insurance you need for your business, whether you’re based in Mount Gambier or McLaren Vale:
All businesses are classified according to the insurance risk they pose. Your business type and the industry you’re in will, to a large extent, determine the cost of your insurance. For example, a mobile food business will typically pose a higher insurance risk than a photographer in terms of public liability, due to the risk of traffic accidents and food poisoning.
Where your business is situated will also determine the cost of your public liability insurance, as some suburbs and areas may be deemed a higher risk than others. The state you’re in is also a major determining factor. For example, the cost of public liability insurance in Queensland won’t necessarily be the same as that in SA due in part to the different environmental risks at play (such as extreme weather events).
The size of your business will also affect the cost of your insurance in SA. Insurers will consider how many people you employ (unless you’re a sole trader) and your turnover to help determine the risks your business faces, with larger businesses generally being required to pay more for their insurance than smaller ones.
You may be able to choose an excess as low as $200, rising to $500 or more per claim you make, according to the level of insurance you wish to buy. However, the excess you choose will also affect your insurance premiums, with a lower excess generally resulting in higher premiums. There may be instances where an excess isn’t required to be paid, though this will depend on the terms and conditions of your agreement with your insurer.
Your insurance history will also play a part in determining how much your insurance costs. If you’ve made multiple claims in the past five years, you may find your premiums are higher than a business that has never made a claim.
Find the best possible insurance coverage for your business quickly and easily here with Savvy's 100% free comparison service.
With multiple trusted insurance partners across the country, you can enjoy high-quality online comparisons all in one place right here.
Skip the hassle and save time and money by comparing with Savvy to get multiple instant online insurance quotes for convenient comparisons.
Disclaimer:
Savvy is partnered with BizCover Pty Ltd (ABN 68 127 707 975, AFSL 501769) to provide readers with a variety of business insurance policies to compare. Savvy earns a commission from BizCover each time a customer buys a business insurance policy via our website. We don’t arrange for products to be purchased from these brands directly, as all purchases are conducted via BizCover.
Savvy does not compare all business insurance policies or providers currently operating in the market. Any advice presented above or on other pages is general in nature and doesn’t consider your personal or business objectives, needs or finances. It’s always important to consider whether advice is suitable for you before purchasing an insurance policy.
For any further information on the variety of insurers compared by BizCover or how their business works, you can read their Financial Services Guide.
Quantum Savvy Pty Ltd (ABN 78 660 493 194) trades as Savvy and operates as an Authorised Credit Representative 541339 of Australian Credit Licence 414426 (AFAS Group Pty Ltd, ABN 12 134 138 686). We are one of Australia’s leading financial comparison sites and have been helping Australians make savvy decisions when it comes to their money for over a decade.
We’re partnered with lenders, insurers and other financial institutions who compensate us for business initiated through our website. We earn a commission each time a customer chooses or buys a product advertised on our site, which you can find out more about here, as well as in our credit guide for asset finance. It’s also crucial to read the terms and conditions, Product Disclosure Statement (PDS) or credit guide of our partners before signing up for your chosen product. However, the compensation we receive doesn’t impact the content written and published on our website, as our writing team exercises full editorial independence.
For more information about us and how we conduct our business, you can read our privacy policy and terms of use.
© Copyright 2024 Quantum Savvy Pty Ltd T/as Savvy. All Rights Reserved.
© Copyright 2024 Quantum Savvy Pty Ltd T/as Savvy. All Rights Reserved.
Quantum Savvy Pty Ltd (ABN 78 660 493 194) trades as Savvy and operates as an Authorised Credit Representative 541339 of Australian Credit Licence 414426 (AFAS Group Pty Ltd, ABN 12 134 138 686). We are one of Australia’s leading financial comparison sites and have been helping Australians make savvy decisions when it comes to their money for over a decade.
We’re partnered with lenders, insurers and other financial institutions who compensate us for business initiated through our website. We earn a commission each time a customer chooses or buys a product advertised on our site, which you can find out more about here, as well as in our credit guide for asset finance. It’s also crucial to read the terms and conditions, Product Disclosure Statement (PDS) or credit guide of our partners before signing up for your chosen product. However, the compensation we receive doesn’t impact the content written and published on our website, as our writing team exercises full editorial independence.
For more information about us and how we conduct our business, you can read our privacy policy and terms of use.
