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If you are a building contractor, tradie or sub contractor working in the building trade, whether commercial, industrial or domestic, then be sure you have the right type of insurance to cover. Contract Works Insurance can be customised to cover your business for...

Does your business need cyber insurance? You might not believe that your business is at risk from hackers and for the most part that may be true. The problem is that your social media presence can be the gateway hacker use to devastate your business. Without cyber...

According to government statistics, with a 3% increase from the previous year, as of June 2021, there were over two million small businesses active in Australia. For anyone running a small business, whether you’re flying solo or employing a few staff members,...

The latest Cyber Crime statistics from the Australian Cyber Security Centre (ACSC) show that there was a cybercrime reported every 8 minutes (it was 10 mins last year, so they are becoming more frequent), totalling 68,000 in the past 12 months. The most...

Here in Australia, a cybercrime report is made approximately every eight minutes. With nearly every business existing in the digital space, this is an extremely alarming statistic that indicates a lot of companies are at risk.  Australia’s lead cyber...

Being your own boss provides many benefits, including greater independence, greater perceived level of job security and flexibility. However, it also comes with a range of risks that have to be managed and a lack of benefits that are usual for employees that cannot be...

When it comes time to review and renew insurance policies many business owners are asking – why did my premiums rise? It’s a fair question because most types of business insurance premiums have had premium increases, some very large and other not as big,...

With over half of Australian SMEs currently in their growth stage, with yearly revenue of between 10 and 50 million AUD, it’s not surprising that many business owners are looking to protect their developing companies. While a business could have...

Do you know how to protect your business during extreme rainfall events? As if Australia hasn’t suffered from enough extreme weather events over the past few years, the BOM has just announced a negative Indian Ocean Dipole which means more wet weather is on...

With rising inflation, soaring interest rates, supply chain issues and a difficult labour market – business owners have less time to spend on managing risks and insurance. These factors could lead to underinsurance or incorrect insurance cover, as your...

Whilst businesses are slowly recovering from the effects of COVID-19, the pandemic highlighted a significant issue that needs to be addressed. Specifically, many small to medium sized businesses don’t have a business continuity plan which contains a plan and all the...

If you own or rent a commercial property, and you want to mitigate risk then it’s a good idea to protect yourself with this type of cover. Storm damage, fire, theft, or accidents on your property, are all possible hazards that could hurt your business property. This...

Does your business, make, import, sell, distribute, repackage or repair products, if so, you can be legally liable for personal injury or property damage, as well as any resulting financial loss due to faults or problems in the product. Do you operate a business from...

Business owners manage a whole host of risks, bushfires are just one. Depending on where you live the main fire season can vary from Winter & Spring for the northern Australian states and territories to Summer for the southern states and territories. It’s...

Most small business owners are aware of cybercrime, hacking and the dangers of ransomware, but have you ever considered that social media might be a problem? It’s fair to say that social media has a positive impact on many small businesses, virtually transforming the...

When it comes time to renew your business insurance policies, a lot of business owners only give the renewal notice a brief glance, not really paying attention to make sure it’s the best cover available. The problem with this approach is that you can end up...

You will already be aware of the main threats to your business, such as fire, theft, vandalism, storm damage and cyber-crime. However, whilst your premises are unoccupied or temporarily shut down during lockdown, these now regular circumstances for many Australians...

If small business owners focused on the negatives, they would never be successful. However, there’s a risk in always focussing on the positives and ignoring what could go wrong. This is where an insurance adviser comes into the picture because they focus on the...

As a business owner, one of your biggest priorities is to manage and reduce the risks, including financial risks faced by your company. These risks can include boarder closures, lockdowns, new competitors in your market space, health and safety risks at your...

With the end of another financial year fast approaching, it’s time to prepare for your EOFY obligations. This most probably means spending long hours at your desk in addition to your usual workload, simply to get all the paperwork completed. The problem is that it’s...

As an astute business owner, you may have noticed that insurance costs in Australia are generally trending upwards, between 10% - 20% for business (30% or more if significant claims or higher risk industries) with home insurance averaging increases between 10% - 15%....