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Public liability insurance is designed to safeguard your South Australian business against claims of third-party injury or accidental damage.
There are approximately 150,000 small businesses (0-19 full-time employees), representing 98% of all business registrations in South Australia. The main industries in SA include financial services and insurance, real estate, healthcare and professional services, scientific and technical services, mining, manufacturing, fishing, and tourism.
If you own a business in South Australia, are self-employed, or operate in a public space, having suitable insurance is vital. Public liability insurance is essential for sole traders, small business owners, and operators of home business to safeguard themselves and their businesses in the event of third-party injury, accident, or damage.
Public liability insurance is designed to provide a safety blanket for businesses and sole traders. This type of cover protects against:
For example, if a customer has an accident on your business premises, you may be able to claim on your public liability insurance.
In many cases, legal action not only results in significant financial strain but may threaten to put small companies and sole traders out of business. With the appropriate insurance policy, you can enjoy peace of mind while also protecting your clients and members of public.
At Public Liability Insurance Australia, we pride ourselves on offering a seamless, stress-free service for customers in South Australia. We recognise that many of our clients don’t have the time or expertise in commercial insurance to ring around insurance companies to get quotes. That’s why we handle all the legwork for you. Once we understand your requirements and preferences, we will get to work identifying suitable policies from leading providers in Australia. We will use the information you provide us with to find a policy that is suitable for your budget and your business needs.
The Public Liability Australia team compare Public Liability insurance for Australian self-employed sole traders and small business owners from a range of leading insurers with the help of our liability brokers.
The Public Liability Australia team have access to over 160 products and services which is helpful for hard to place occupations.
We do not typically compare all the above insurers for the one client, or all products offered by all the insurers. Depending on the occupation we will typically compare between 0-8 insurers.
United Insurance Group is made up of a number of authorised representatives who deal in general insurance advice across the range of commercial and retail sectors.
United Insurance Group’s good spread of risks and contacts with underwriters, as well as internal access to expertise and support, which provides benefits to the individual businesses and authorised representatives within UIG.
United Insurance Group is part of the largest insurance broker network in Australia and New Zealand, the Steadfast Group.
The Steadfast Network has 473 general insurance brokerages in Australasia who receive superior market access, exclusive products and services, backed by the size and scale of the Steadfast Group.
Benefits to small business clients with member broker include improved policy wordings, broker training and triage support for challenging claims.
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.
Insurance Broker Code of Practice: We subscribe to and are bound by the Insurance Brokers Code of Practice a full copy of which is available from the National Insurance Brokers Association (NIBA) website, https://www.niba.com.au/insurance-brokers-code-of-practice
Important : We have no power to authorise claims. However, our experience and assistance can help you when you have a claim.
*Important: Insurance protection may be available only subject to meeting insurers underwriting criteria. Some of the insurance protections listed may not be available or may have limitations or exclusions. Insurance protection cover inclusions vary significantly from insurer to insurer. DO NOT rely upon the above. Please check your policy schedule carefully for inclusions , exclusions and limitations. Talk to a business insurance broker on 1300 670 250 for more information.
General Advice Warning:
The information in this website is for informational purposes only and is in no way to be considered personal, financial or legal advice.
Contact an authorised insurance broker , accountant or solicitor to obtain advice in relation to your specific situation . Use of this website does not create a relationship between the author and the reader.
# Copyright© 2024. All rights reserved. www.publicliabilityaustralia.com.au is a website for SMART Business Insurance, a Corporate Authorised Representative (AR Number 437328) of United Insurance Group (UIG) AFS Number 327131. Client reviews featured are for Smart Business Insurance.