News
Middle East Conflict and Corporate Travel Insurance – What’s Covered & Not
What is happening On 28 February 2026 (Event), the United States and Israel launched coordinated military strikes inside Iran. Iran launched a retaliatory wave of ballistic missiles and drones targeting UAE, Bahrain, Qatar, Kuwait, Saudi Arabia and Jordan. Airspace...
Is Your Business Interruption Insurance Actually Enough?
Recent summer storms have reminded many businesses of an uncomfortable truth: when you can't operate, the bills don't stop. Yet Business Interruption remains one of the most misunderstood coverages for SMEs. Having a policy is one thing. Having adequate coverage is...
What is the difference between a Principal’s Indemnity and an Interested Party for insurance policies?
Understanding key insurance terms like "Principal's Indemnity" and "Interested Party" is important for business owners, with a lease contract or bank financing for the premises. Understanding these concepts will help you to ensure your key risks are managed and that...
What Impact Do Contractors Have on Your Insurance Covers & Risks?
As a business owner, you may be weighing up the pros and cons of hiring full-time employees or contracting out some of the work to individuals. But have you considered the risks and impact on your insurance cover and talked to your insurance adviser about your plans?...
Managing and Minimising the Impact of a Cyber Attack
Cyber attacks have rapidly evolved into one of the biggest threats facing Australian businesses, particularly small to medium enterprises (SMEs). While large corporations tend to grab headlines when major breaches occur, SMEs are actually far more likely to be...
D&O and Management Liability: What Does It Cover?
D&O and Management Liability Insurance pay the personal legal costs and court-awarded damages awarded against directors, officers, and senior managers for actual or alleged acts, errors, or omissions in relation to the performance of work-related duties and...
Buildings, Plant & Equipment Values: Why Your Insurance Cover May Be Falling Behind
Underinsurance remains one of the most persistent and costly risks in both personal and commercial insurance, yet it often goes unnoticed. Regularly reviewing and updating the amount of insurance cover for buildings, plant & machinery and home & contents is...
Staying Safe Online at Christmas
Cyber criminals treat the festive season as peak hunting time. With teams rushing to wrap up the year, inboxes overflowing and more people shopping or managing orders online, it becomes easier for scammers to slip through the cracks. A few simple habits can make a big...
What is Professional Indemnity Insurance and Do You Need It?
Published 6/18/2025 If you provide advice, design, or professional services, Professional Indemnity (PI) Insurance is essential protection. This insurance pays your legal defence costs, in the event a customer complains that they followed your advice and suffered a...
Asbestos Awareness Month
November is National Asbestos Awareness Month, a time for communities and businesses to shine a light on the risks of asbestos exposure. The harm to health is well known, but identifying the material isn’t always as straightforward. Even though asbestos was banned...
Business Interruption Insurance (BI) & Consequential Loss insurance
What is Business Interruption Insurance? Business Interruption (BI) insurance is designed to cover the main financial losses a business incurs when it cannot trade due to a major loss, such as a fire at the building. It’s best to talk to your insurance advisor and use...
IA Risk Alert – Emerging Risks of Lithium Battery Fires
LITHIUM ION-BATTERIES IN DATA CENTRE Date Posted: 22 April 2024 Summary Lithium-ion batteries are being installed in computer data centres Existing fire protection standards not designed for Lithium-ion batteries Note NFPA Codes mentioned in this article are American...
Cross Liability Clauses in Contracts & Insurance Cover
It is standard commercial practice for companies to enter into contracts, and many require the principal or landlord to be added to the Public Liability insurance policy. This means you can have two different people or companies insured under one policy. What...
The Critical Role of ‘Run-Off’ Insurance When Selling or Closing A Business
When the time comes to bid farewell to your business due to a sale or retirement, it's not just the memories you'll want to preserve. Many financial liabilities can continue after you leave the business, so talking to your accountant and insurance adviser is...
Business Interruption and AICOW: Navigating Through Unforeseen Challenges
In the ever-evolving landscape of the business world, companies constantly face myriad challenges that can disrupt their operations. From natural disasters and pandemics to cyber-attacks and supply chain issues, these disruptions can significantly impact a business's...
Is Your Insurance Cover Keeping Up with Your Business
As businesses change and grow, the insurance coverage, type of insurance, and risks change as well. For example, a sheet fabrication business that conducts its work in a factory could expand its installation services to...
Machinery Matters: Why Your Business Needs Plant and Equipment Insurance
Plant and equipment insurance is vital for businesses that utilise heavy machinery and complex equipment in their operations. This specialised form of insurance safeguards against a wide range of risks, providing essential financial protection and supporting business...
Insurance rebuilding Valuations essential for home or commercial buildings
All property insurance policies, such as farm, business, home and strata insurance policies, require the sum insured (declared value) to be the current cost of replacing the home, shop or factory when the policy is taken out or renewed. Inflation and increased...
Insurance Policies and Your Duty of Disclosure
Insurance Policies and Your Duty of Disclosure It’s important to know that insurance underwriters need full information about the risk to be insured, along with your prior insurance history and some personal information, such as if you have criminal convictions,...
How your operations impact Workers’ Compensation insurance premiums
How your operations impact Workers’ Compensation insurance premiums How your operations impact Workers’ Compensation insurance premiums Insurance companies charge an amount of money for each policy, called the premium, which is based on a set of rating factors that...
Is Your Business Bushfire Safe?
Australian Bush Fire Outlook – Spring 2023 NSW Large areas of central and northern NSW are expected to see an increased risk of fire in spring 2023. ACT - Normal bushfire risk during spring is expected for the...