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Have you reviewed your small business insurances lately?

Insurances are an accepted part of doing business, but many small companies in Australia are essentially putting their businesses at risk, simply because they don’t have the right type of insurances. 

If you are a small business owner, then you are most probably aware that ‘off-the-shelf’ insurance policies don’t always suit your business’s needs. In fact, most small business insurance policies need to be expertly crafted to suit the individual needs of each business. Continue reading Have you reviewed your small business insurances lately?

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What would happen if you weren’t fully covered?

Imagine something serious happens at your business. You need to make an insurance claim. You contact your insurer. But the news isn’t good. In fact, it turns out the policy you’ve been paying for – the one you thought was protecting you – actually doesn’t because of an exclusion you hadn’t even realised was in your policy. Your mind races. Your heart sinks. And, suddenly, your blood pressure rises. A lot. Continue reading What would happen if you weren’t fully covered?

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TO RENEW? OR REVIEW? Making sure your insurance keeps pace with your changing business needs

Okay, okay. Not many people look forward to renewing their insurance each year. After all, when you’re busy running a business the last thing you probably want is to spend time reviewing policy schedules and Product Disclosure Statements. But as tempting as it can be to get your renewals over and done with simply by sticking with what you already have, be careful. Continue reading TO RENEW? OR REVIEW? Making sure your insurance keeps pace with your changing business needs

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Basic Cyber Protection

So it’s a scary world out there – not just on the streets, but even more so online. We hear about huge corporate hacks every other day, that the Russians hacked the US elections, China hacks everyone all the time and, most recently, that a massive ransomware attack hit hundreds of thousands of people around the globe. So, what does the average person need to do to protect themselves from these events??? Read on. Continue reading Basic Cyber Protection

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Flying Solo – Insurance for the Self-Employed

Working for yourself as a sole trader can have plenty going for it. Work/life flexibility. Lower overheads. Zero internal politics. But when the buck starts and ends with you, it also comes with a unique set of challenges – especially in the event you were to become sick or injured. Continue reading Flying Solo – Insurance for the Self-Employed

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Rising construction costs

Is your building cover actually enough to cover you?

Like most things in life the cost of construction is rising. Building materials, fittings and labour can all be affected. This means each year it becomes more and more expensive to repair or replace the same buildings in the event of major damage, be they part of your home or your business. Continue reading Rising construction costs

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Understanding the importance of Personal Insurance in your business plans

Will your business still be around if you’re not?

Tens of thousands of Australians devote their entire lives to operating a successful business, toiling their heart and soul into setting up and running their company. But none of us are here forever. Just as you need to discuss important issues such as organ donation and your estate with loved ones, it’s important – but often overlooked – to have similar discussions about your business needs in the event of your sudden death or disablement. And then take steps to secure the future you’d want, whatever that happens to be. Continue reading Understanding the importance of Personal Insurance in your business plans

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Understanding the risk of Under-insurance

Did you know Australia is one of the most under-insured nations in the developed world? From inadequate levels of income protection and life insurance arrangements, to grossly undervalued business assets and equipment, alarmingly few Australians have anything remotely like what they’d actually need in the event of a claim. Continue reading Understanding the risk of Under-insurance

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