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Events are required to have comprehensive public liability insurance that covers potential personal or venue damages, emergency responses, and subsequent venue clean-up costs. It is essential to ensure that your insurance policy meets the minimum coverage mandated by your council and is suitable for the nature of your event. The policy should encompass all activities related to the event, including setup, staging, and dismantling periods.
Prior to the event, the event manager should review a copy of the certificate of currency and verify that the event, partners, and venue owners are accurately listed as interested parties.
To mitigate public liability exposure, it is advisable to obtain and review certificates of currency from stallholders and any contractors providing services at the event.
For those using a council-owned facility, certain community and not-for-profit groups may automatically receive public liability coverage under the council’s policy at no cost.
Depending on the event type and operations, additional insurance cover may be needed for property, equipment, volunteers (personal accident or volunteer insurance), and employees or contractors (workers’ compensation and professional indemnity insurance). It is recommended to consult with your council and speak to an insurance broker to address specific event risks and requirements.
Government of South Australia
Local Community Insurance Services (LCIS)
SafeGuard Insurance Brokers
