Signing a contract for a new home build can be nerve-wracking, and there are solid numbers of Australians on this journey.
No business wants nasty surprises. So, when an adverse incident means you need to claim on your insurance policy, we will manage the process on your behalf.
Employment practices’ liabilities can be expensive, disruptive, and time-hungry to businesses. Claims are also rising.
If some of the more popular buzzwords of the past two years were "flexible work" and "hybrid business", 2022's might be more along the lines of consistency and continuity.
There's much more to professional indemnity insurance (PI) than meets the eye. This type of insurance helps cover the cost of legal action for losses others experience resulting from your services including professional advice.
The end of each financial year (EOFY) can provoke mixed feelings in small and medium sized business owners. Completing a few key steps before the 30 June cut off will help make life easier for the whole year, and guarantee that your business’s bottom line will continue to thrive.
Landlords' offers of rent reductions, rent-free periods, or fit-out contributions are handy sweeteners for SMEs looking to sign commercial leases. But these may be waning, with SMEs looking to lease 300sqm the lease most in demand across many sectors.
Understanding the difference between an independent contractor and an employee is a problematic area of employment and related laws.
Leasing your commercial property can deliver higher yields, but comes with a range of responsibilities, including regulatory and legal ones.
Disaster brings out the good and bad in most people, but for fraudsters, it’s an opportunity to deceive others and cause harm.
Get into the habit of reviewing your insurance before you renew them, and adapting it throughout the year.
It can be confusing to work out the differences between commercial and personal vehicle insurance, but there’s plenty to distinguish them.
Russia's invasion of Ukraine is set to have severe repercussions in Australia.
A cyber attack happened once every eight minutes in Australia in 2020-21, compared with once every 10 minutes in the previous financial year.
When a flood hits, staying safe and finding headspace to claim on your insurance for damage can be stressful.
The average person might be surprised by how many risks confront construction businesses.
Australia's real estate services industry is expected to turn over $33 billion this year, including a healthy 1.8% growth from 2021, according to IBIS World.
If some of the more popular buzzwords of the past two years were “flexible work” and “hybrid business”, 2022’s might be more along the lines of consistency and continuity.
While the pandemic has spotlighted supply chain disruption, other factors are coming into play.
Logistics has become a hot term given the protracted supply chain chaos and recent shortage of the crucial diesel engine additive AdBlue.
Every 10 minutes on average, another Australian small business reports a cyber crime, according to the Australian Cyber Security Centre.
With such a hardening market for premiums, how can you minimise the anticipated premium rise this financial year?
Businesses that don’t review their insurance cover annually when they make internal changes risk being underinsured and out of pocket when it comes time to claim.
It’s now two years since the COVID-19 virus appeared and we’ve now got some solid trend data about its impact on accidents and insurance claims.
Leaving your commercial property unattended during the upcoming summer holidays poses many risks. But these can be managed with some forethought.
Australia has had more than its usual share of natural disasters in 2021.
With commercial property landlords enjoying returns of up to 12%, it makes sense there would be more risks and work involved.
Your business is undoubtedly familiar with the nuts and bolts of your disaster recovery plan due to the current pandemic. It's a much-changed landscape for risk.
Comparison insurance websites are useful. But how satisfied are you with their advice and service?
It might not be until 2023 before the global microchip shortage is over.
An indemnity is a promise or guarantee to compensate someone for loss or damage suffered.
In this article, we’ll explore construction works, product and public liability, business vehicles, material damage, and workers’ compensation.
While the promise of warmer weather spells days at the beach and backyard BBQs, spring and summer can sadly also bring bushfires.
How to prepare your business for a natural disaster
Ecommerce continues to thrive, with Australia now being among the most attractive consumer markets on the globe.
One of the biggest banes of agriculture isn't unpredictable weather patterns of droughts and flooding rains. It's cyber threats.
While public liability insurance isn’t compulsory for some business types and sectors, these actual cases may prompt you to consider this cover.
How can road transport companies reduce their risks when it comes to safety on site, on the road, or in the office?
Most people are aware inflation has been on the rise in recent months due to COVID-19 impacts. However, many are not aware of how significant the impact has been on the construction sector and what that means for their property insurance.
Who would have thought finding a decomposing snail in a ginger beer bottle would open up a new principle – duty of care – which is the basis for product liability?
Find out what’s happening with regulations in your state or territory.
On average, one in five Australian small businesses have been party to a dispute, with most of them experiencing financial loss.
The insurance market is a ‘hard’ or sellers’ market right now. So, what does that mean, and what’s the likely impact on your business?
Business owners can save a lot of money by making adjustments to the way they operate. Discover three steps you can take to reduce your expenses, regardless of the sector in which you’re engaged.
No business wants nasty surprises. So, when an adverse incident means you need to claim on your insurance policy, we will manage the process on your behalf
Unreliable equipment can be the death knell for a business, with the costs of equipment failure and downtime tricky to accurately predict and calculate.
With 2021 now in full swing, how can you build higher productivity in your office?
Will today’s bargain be tomorrow’s burden? With used business, farming, and construction equipment in high demand, it’s worth assessing the benefits and risks of buying secondhand.
Underinsurance is more common than you think. Industry figures show up to 62% of small-to-medium-sized businesses don’t have correct-value insurance.
Wouldn't it be simpler and easier if you could insure your whole business with a single policy? There are two types of insurance that can do just that. This article will demystify industrial special risks insurance (known as ISR) and Business Pack Insurance, so you can consider which umbrella protection suits you best.
Disruption has been a constant theme for hotel owners thanks to online booking platforms, home-sharing, Airbnb, and, more recently, the pandemic. So, how can you bolster your business against the risks of potential losses?
We're all aware of the dangers of workers contracting the coronavirus. What then is the fallout for employers' role across the country in keeping staff COVID-19 safe?
As technology advances, the landscape of business risk is changing. Companies are more exposed to crime than ever, which can lead to serious financial and social repercussions. Here’s how you can mitigate your risks with an effective crime insurance policy.
With about 60% of targeted attacks on small-to-medium businesses, cyber security should be a top priority. This year, we expect to see many Australian businesses tackle the following top four cyber threats, as part of best practice data protection.
In an unpredictable business environment, such as during the COVID-19 pandemic, it can be difficult planning to eliminate, minimise or control risks to your operations. This article offers four types of insurance that can help you deal with uncertainty.
In hospitality? Your business faces a range of industry-specific risks including food contamination or spoilage, burns from hot surfaces, and equipment breakdown. Here's why tailored insurance is a recipe for success.
The right business asset protection strategies can help safeguard your personal and professional wealth against unexpected claims and liabilities. As your brokers/advisors we can help keep you covered.
Sole traders enjoy the "simplest and cheapest business structure", according to the Australian Government Business Register. You're in full control. You make the business decisions. But there are also a range of risks you need to be aware of.
Heavy commercial transport helps keep our economy running smoothly, but there’s a lot that can go wrong if you’re running a transportation business. Are you up on the risks of heavy commercial transport?
Has COVID-19 made you unsure about managing the risks of owning an investment property? This article will update you on what landlord insurance will and won’t cover now that the COVID-19 pandemic has arrived.
What will the next storm bring to your business? Stop the guesswork & start your plan with this checklist.
What’s best for your business - buying your insurance cover directly or through a broker/advisor? These are the surprising differences and the pros/cons of both.
Goods lost or damaged in marine transit is something no business wants to experience. So, whether you’re looking to protect your risks with your goods moving within Australia, or cover exports or imports, marine transit (also called cargo) insurance could make sense.
As a business owner or manager, paying attention to legal and regulatory basics can save you a big headache down the track.
Smart manufacturing businesses have protected themselves for these risks - are you one of them?
Bushfires can wreak havoc and cause damage and devastation. Defend your business by getting prepared, having a plan and ensuring you have the right coverage to financially protect your assets.
Economic uncertainty may have prompted you to reduce, change or cancel your business interruption insurance. That’s a natural reaction in these uncertain times. However, it's important to know how that could impact your business and possibly come back to bite you.
While it isn't a compulsory insurance, fleet motor insurance is designed specifically for commercial vehicles - which is how it is different to regular run-of-the-mill motor insurance and also how it might be relevant to your business.
With many businesses currently vacated, what are the risks of unoccupied buildings and how can you manage them?
Cybersecurity, Mother Nature, rules, political mayhem and business interruptions: how’s your business covering these global risks?
Aussie SMBs must ask these key questions before choosing insurance to protect themselves from ransomware and other cyberattacks.
As a time-poor business owner, shortcuts can be tempting when looking for insurance cover but this could cost you in the long run. Find out how having a broker on your side could help you make savvy insurance decisions
Do you know the difference between public liability and professional indemnity insurance? Your business might need both - here's what you need to know.
Managing the insurance needs of company vehicles can be time-consuming. It’s time to think about fleet insurance.
Insurance is a key concern when extreme weather strikes. That’s why business owners should regularly review insurance cover. Here’s what you need to know.
2020 is certainly not the year we were expecting. COVID-19 has affected family, friends and businesses in different ways across Australia, and the world.
Phishing scams have increased dramatically as COVID-19 has forced large numbers of Australians to work from home.
Even insurance experts aren’t immune to the damage that a property fire can create. Managing Director at LMI Group and leading risk and loan assessor, Dr Allan Manning, narrowly avoided disaster after his home caught on fire in 2018.
As Australia emerges from lockdown, businesses are now facing the next hurdle.
Cash flow is the lifeblood of business. So if a disaster like a fire, burst waterpipe, or legal proceedings against you halts your operations, your business could fail.
We live in a litigious age, with even the most careful business owners at risk. Even when you’re not at fault, you may still have to shoulder hefty legal costs.
Every small business owner faces unique set of risks – so a one-size-fits all approach to insurance may not give you the cover you need.
With so much business activity taking place online, does your business have a robust risk management strategy?
Everyone’s on social media – and for good reason. It’s the best way to reach a wide audience, especially for new or growing businesses.
Every business likes to keep its costs low. And, the more insurance you need, the higher your premiums will be.
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