The ‘City of Churches’, Adelaide is home to over 1.3 million Australians and many of South Australia’s governmental and financial institutions. Adelaide typically ranks highly in terms of liveability and has been featured in the Economist’s ‘World’s Most Liveable Cities’ index for three consecutive years, as well as being voted Australia’s most liveable city in 2011, 2012 and 2013.
The popular city has attracted several businesses across the tourism, manufacturing, health care and retail sectors. These businesses contribute significantly to the South Australian economy and as such should be protected with an appropriate insurance policy. PSC Direct Insurance Brokers in Adelaide have researched the specific risks that businesses in the area are exposed to, which they apply to all policies that are written in the state.
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What Are the Specific Risks Faced By Adelaide Businesses?
Adelaide and its surrounding area is one of the most seismically active regions in Australia. The region has experiences earthquakes just 12km from the city centre in 2010, 2011 and 2014. These earthquakes have the potential to cause destruction to homes and businesses. As such, it is imperative that businesses operating within this region be fully protected with insurance that covers their property and assets.
PSC Direct Insurance Brokers Adelaide specialise in sourcing appropriate policies in order to ensure your property is fully covered in a destructive event such as this. We can assist you in valuing your assets so that you don’t find yourself underinsures, and receive the maximum possible cover if the worst does happen.
Adelaide is known nationally as Australia’s manufacturing base; with almost half of all cars made in Australia being produced in Adelaide at the General Motors Plant in Elizabeth.
The nature of work in the manufacturing industry often involves the use of plant and heavy machinery equipment, which brings with it a certain degree of risk. The highest risk exposure in the industry is typically the risk of employee injury in the form of broken bones, fractures & sprains as well as crush injuries, cuts and lacerations. Other risks in the manufacturing sector include vehicle manoeuvring and poor maintenance of machinery. If your Adelaide business operates within the manufacturing sector, it is important to speak to an Insurance Broker in the area who can give you advice on how you can minimise risk, as well as suggest relevant insurance policies that may cover you.
Import / Export
Adelaide is home to 40% of Australia’s high tech electronics industry, which designs and produces electronic systems that are sold worldwide for applications in medical, communications, defence, automotive, food and wine processing and industrial sectors. This equipment must be moved from Adelaide to various locations both nationally and internationally and as such, should be fully protected while in transit.
Theft of transit goods is an ever-increasing problem in the transportation industry. It’s estimated that cargo theft costs shippers and trucking companies up to $30 billion a year. Other risks in transit include staff injury, vehicle collision, load securing and fire.
The retail sector is the 2nd largest employer in South Australia providing 91,000 jobs to 12% of the state workforce. In order to protect the state’s economy for the long term, these businesses should be fully protected with a comprehensive retail insurance policy that protects the business, its owners and its employees.
Adelaide Retail business should consider appropriate insurance cover for their needs. This will depend on a number of factors such as the size of the business, what it sells and the number of employees.Businesses in Perth face unique risks in regard to their location. PSC Direct’s Insurance Brokers in Perth have applied their knowledge of the state and its unique climate, economic trends and industries in order to identify risks that Perth Businesses are exposed to.
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What Do Insurance Brokers Adelaide Do?
At PSC Direct, we know that choosing the right cover for your business can be complicated, but we also know that it is necessary to fully protect your business assets and livelihood. That’s why we make it easy for you to get the cover you need, when you need it.
Our Insurance Brokers will source the most appropriate cover depending on your individual circumstances, industry and location. Covers we may suggest for businesses in the Perth region may include:
- Professional Indemnity: Insurance for professionals who provide advice or a service to their customers. Professional Indemnity Insurance will protect you against legal costs and claims for damages to third parties which may arise out of an act, omission or breach of professional duty in the course of your business.
- Commercial Property Insurance: Protecting your business property from perils such as fire, theft and natural disaster.
- Business Interruption: Insurance that covers the loss of income a business may suffer due to closure after a disaster.
- Machinery Insurance: Specific cover for machinery and equipment; a machinery insurance policy is more specialised than commercial motor vehicle insurance, most notably because it covers off-road usage.
- Public Liability Insurance: Protection for the business and business owner against the financial risk of being found liable to a third party for death or injury, loss or damage of property.
Get a Quote
As specialist small business insurance brokers, PSC Direct uses our considerable experience to provide multiple quotes for you. Combining our expertise insuring thousands of other similar businesses with our detailed database of insurers and insurance products; we’re best placed to advise you on the right insurance for your business.
We have strong relationships with the leading underwriting agencies and insurance companies. We can source the most appropriate business insurance policy for you, covering you for what you really need, at the right price.
If you are a Adelaide-based business owner, we can find a policy to suit your unique requirements.