Public Liability Insurance South Australia

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, updated on August 1st, 2023       

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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 in SA – what is it and how does it work?

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.

What does public liability insurance cover my SA business for?

Public liability insurance can cover your business against the following:  

  1. Third-party injury claims 
  2. Third-party property damage claims 
  3. Compensation costs 
  4. Legal fees to defend your business against any claim 

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? 

  1. An injury to any of your workers (which should be covered by your workers compensation insurance
  2. Punitive damages awarded against you for professional negligence 
  3. Anything to do with asbestos 
  4. Any effects of pollution 
  5. Claims arising from a service you provided (which is usually covered by professional indemnity insurance
  6. Product recalls or the cost of withdrawing products 

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.

Which types of businesses in SA need public liability insurance?

Many different types of businesses in South Australia should consider taking out public liability insurance, including the following:  

  • Cafes, bakeries, restaurants and takeaway food businesses 
  • Nurses and allied health professionals 
  • Builders, carpenters, electricians and all other tradies 
  • Conveyancers, accountants and finance professionals 
  • Engineering firms and consultants 
  • IT professionals, graphic designers and architects 
  • Hairdressers, masseurs and beauty therapists 
  • Landscapers and lawnmowers 
  • Mobile businesses including dog walkers  
  • Sole traders, self-employed and contractors 

How do I compare public liability insurance for my business in SA?

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: 

  • Cost: make sure you’re comparing similar policies which provide the same level of cover so you’re comparing apples with apples. Remember that the cheapest policy on offer may not always offer the best level of coverage. 
  • Level of cover: public liability insurance is available in amounts of $5 million, $10 million or $20 million, so choose the level of cover which is appropriate for your business size and the risks you face 
  • Inclusions: read the product disclosure statements carefully so you’re fully aware of what is, and isn’t covered 
  • Exclusions: make sure you understand the exclusions in the policy you choose, and if there are any areas which are excluded which you feel you need to cover, consider taking out additional insurance, such as product liability insurance
  • Excess: this is the amount you will have to pay upfront if you do need to make an insurance claim. It can vary from $200 up to $500 or more, with some insurers not requiring any excess in certain situations, so it’s important to compare what your options are with different companies. The lower the size of the excess you choose, the higher your premiums may be.

What factors will affect the cost of my public liability insurance in SA?

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Frequently asked questions about public liability insurance in SA

Can I claim my public liability insurance premiums as a tax deduction in SA?

Premiums for your business insurance are generally claimable as the cost of carrying out business, so you may be able to include them as a business expense on your tax return. However, you should always seek professional tax advice about what can and can’t be claimed on your annual tax return.  

Can I get insurance coverage for products I sell in SA through public liability insurance?

No – public liability insurance usually only offers cover for third-party injury or damages caused to people who visit your business. Product liability insurance can cover you against claims that a product you supplied caused sickness or injury. All insurance policies are subject to terms and conditions and eligibility requirements, however, which you should check thoroughly before buying your policy. 

Is public liability insurance compulsory in SA?

No – public liability isn’t compulsory in SA under Australian law, but it may be compulsory in certain situations. For example, if you wish to hold a public market, your local council may insist that you show proof of your public liability insurance as a condition of granting the permit to allow you to hold your market. 

What is a Certificate of Currency?

A Certificate of Currency is an official receipt and proof that you’re covered by a named type of insurance from a specified date and time. It’s a legal document which will be automatically sent to you once you pay your first insurance premium and may be requested by your landlord or an organisation you’re working with. 

Can I take out public liability insurance for specific events in SA?

There are some insurers which may offer public liability insurance for a specific event in SA. Examples of one-off events that may require insurance include public concerts, performances, parades and other community or charity events. Compare the level of coverage offered by each policy you consider and remember that the cheapest policy may have fewer benefits or offer lower maximum payouts than a higher-priced policy. 

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