News
Travel insurance: Common mistakes and pitfalls to look out for
Travel insurance: Common mistakes and pitfalls to look out for Ensuring that you have adequate insurance when travelling is paramount, with every policy being different in the coverage provided and exclusions they include. Following is an article from Traveenquiriesr,...
Spring clean your insurance policies
Tip of the month Spring clean your insurance policies Is it time you did a spring clean of your insurance policies? After a long winter, now might be the time to do a review of your insurance cover to make sure you are properly insured to enjoy all the pleasures the...
Are you Environmentally Friendly?
Are you Environmentally Friendly? Environmental Insurance, formerly known as Environmental Impairment Liability, covers businesses against a range of environmental liabilities and exposures. Designed to respond to all types of pollution, whether it be sudden,...
Protect Yourself Against Cyber Bullies
Protect Yourself Against Cyber Bullies Our previous newsletter talked about the growing need for businesses to implement safeguards to mitigate cyber-attacks in the work place. We want to follow on from that and discuss further how business’ can help protect...
Prepare, Act and Survive
Prepare, Act and Survive You do not need to live in the bush to be affected by bushfires. Burning material, embers and smoke can still cause damage to your home and business if you are in close enough reach of a bushfire. The most loss of life and property damage...
Protect yourself against terrorist acts
Protect yourself against terrorist acts Commercial markets have matured and become much more innovative in their underwriting approach to terrorism. The Terrorism Insurance Act 2003 (TI Act) was enacted by the Commonwealth Government following the withdrawal of...
Underinsurance reaches $1.8 trillion
Underinsurance reaches $1.8 trillion According to a new report from Rice Warner, the amount of life underinsurance in Australia is estimated at $1.8 trillion. The average cover accounts for just 60% of basic life needs for life policies, dropping to 13% for total and...
Live long and prosper
Live long and prosper A study by HR and recruitment specialists Randstad, has found almost one in five (18%) Aussie workers expect to retire in their 70s and believe their children will live to over 100. Randstad’s Employment Market Analyst, Steve Shepherd, believes...
Tip of the month
Tip of the month Insure yourself at home As working practices have changed and more and more people work at home, it is vital to ensure that you have all of your insurances in order. Ask yourself what tools you use for work. It could be a computer or hard drive. Where...
Super offers property investment opportunity
Super offers property investment opportunity Superannuation doesn’t have an exciting reputation, but a self-managed superannuation fund (SMSF) may provide an alternative pathway to property investment that appeals to savvy investors. With substantial sums of money...
Safety in cyber insurance
Safety in cyber insurance In an era in which technology is pervasive and security can be easily compromised, it is important for businesses to put security measures and safeguards in place to mitigate any breaches that may occur. There is a growing threat of cyber...
Did you know?
Did you know? One in six drivers have confessed that they would not leave their details if they hit your car in your absence. This is a significant figure when you consider that there are 13,000,021 cars on Australian roads, To find out how you can protect yourself...
Business Continuity Planning – Why you should have a Plan
Business Continuity Planning – Why you should have a Plan. What would you do if you arrived at work one morning and your premises had been destroyed by fire? Or what if a staff member was seriously injured, either whilst at the workplace or after hours ? Do you know...
2015/16 Federal Budget – Fast Facts – Part 2
Proceed with caution when using the $20k Budget tax deduction So, your business has a turnover under $2 million and you want to know how to use the $20,000 immediate tax deduction that’s been all over the news? Before you start spending, there are a few things you...
Directors and Officers – know your responsibilities
As a company director, there are very important responsibilities and duties placed on you under the Corporations Act, and enforceable by ASIC should you fail to carry out your duties in the best interests of the company. The same rules apply to a small company with a...
2015/16 Federal Budget – Fast Facts
Federal Budget 2015/2016 - The ‘have a go’ Budget by Mark Stewart, Director - Integrity Wealth This is a highly targeted Budget that seeks to keep change within community tolerance levels. Most spending measures target productivity gains - although small businesses...
Top five reasons for protecting the key people in your business – including you
In this short article, Adrian Kitchin, Managing Director of Insurance Advisernet Australia and New Zealand explains why you should protect the key people in your business, including you. An important path to peace of mind for the business owner, allowing them to get...
Equipment finance – what are your options
Jan Watman, Director of Start Fresh Finance, navigates the minefield of finance types and technical terms to give you an insight into your options when applying for equipment finance. What to consider when applying for equipment finance Financing the commercial...
Fringe Benefits Tax
2015 Fringe Benefits Tax - Be Prepared And Be Aware The 31st of March 2015 marks the end of the 2015 Fringe Benefits Tax (FBT) year. If you are an employer that has provided any non-salary benefits to employees, you may have an obligation to prepare and lodge an FBT...
Workplace Risk Management
Workplace Risk Management - Protecting You and Your Business For most businesses, workers’ compensation premiums can be one of their largest insurance costs. Many organisations are not aware that this cost to their business can be controlled and reduced with strategic...
Property Purchase
Exciting News for Property Purchase Property Purchase within reach! This months 0.25% rate cut by the RBA means interest rates are set for record lows and some borrowers will now enjoy historically low rates approaching 4.50% p.a. These low rates are changing the way...