Avoid the Pitfalls: Risk Essentials for Real Estate Agents
More than half of Australian real estate professionals say client expectations have intensified in the past two years.
Get a Quote
Windsor News
16
May
Covering Your Bases When Hiring from Overseas
If you’re running a farm in Australia, you understand the reality of the seasonal labour crunch.
16
May
Cybersecurity Failures and Financial Risk – A Warning for Small Businesses
Cybersecurity might seem like a concern only for large corporations, but recent events have shown that small businesses are equally vulnerable.
16
May
Know the ATO’s Benchmarks for Better Business Decisions
The Australian Taxation Office (ATO) small business benchmarks serve as more than just a compliance tool—they’re a way to measure your business performance against industry standards.
16
May
The Silicosis Crisis and What It Means for Your Business
The risks of the lung disease silicosis aren’t just hitting big construction sites
11
Apr
The Housing Crisis is Hitting Australian Business Hard
Australia’s housing crisis has emerged as the priority social issue worrying business leaders in 2025.
11
Apr
Tradie’s $90K Loss: The Cost of One Missed Policy Renewal
A single mistake cost Billy, a young Sunshine Coast plumber, his ute, tools, and nearly his livelihood.
11
Apr
Post-Cyclone Alfred Checklist Every Aussie SME Should Have
Cyclone Alfred hit a 500 km stretch of Queensland and the NT in early March, cutting power to over 240,000 properties and damaging homes, commercial buildings, and infrastructure.
21
Mar
Hiring Smart: Graduates & PhDs for Budget-Conscious SMEs
Running a small or medium-sized enterprise (SME) in Australia often means juggling tight budgets while striving for innovation.
12
Mar
Cyber Threats and Power Outages: A SME Survival Guide
Even though it’s Autumn, heatwaves are expected to continue, according to the Bureau of Meteorology.
12
Mar
When Weather Forecasts Miss the Mark, Businesses Suffer
Weather forecasts shape critical business decisions every day, from planning stock levels to managing logistics and energy demand.
12
Mar
Why LA’s Wildfires Matter for Aussie Businesses Like Yours
When we hear about devastating wildfires on the other side of the planet – like in Los Angeles, for instance – it’s easy to think it doesn’t affect us here in Australia.
12
Feb
Avoid The Post-Holiday Sales Dip These Strategies
The New Year brings fresh opportunities, but for many businesses, the first quarter can feel like a sales wasteland.
12
Feb
Big Builders Recover While SMEs Face Insolvency Risks. Why?
Australia’s construction industry is cleft into two: big builders are recovering and enjoying strong profits, while smaller subcontractors face a rising wave of insolvencies. Without being too alarmist, the binary threatens the whole sector’s stability.
12
Feb
How To Better Manage the Risk of Your Investment Property
Just over half of Australian landlords believe they are underinsured, according to an industry report. Could you be one of them?
12
Feb
Cyber Threats Are Evolving in 2025 – Is Your SME Ready?
Cybersecurity has never been more critical for Australian SMEs.
19
Jan
Cyber safety, Simplified: The Essential Eight Principles
Cyber threats pose a constant and increasing concern for businesses of all sizes, including SMEs.
17
Jan
Ships Fires: The Hidden Risks Australian SMEs Could Face
Ship fires are a growing and serious concern. A cargo-related fire happens on a ship every nine days, compared with one a fortnight back in 2020.
17
Jan
Balancing AI and Worker Well-Being in your SME for 2025
Seven in 10 Australian businesses have integrated artificial intelligence (AI) technologies into their workplace, says the CSIRO, and it will only increase in 2025.
17
Jan
Why Building Costs Are Rising Faster Than Ever
Home building costs in Australia have skyrocketed in recent years, posing substantial challenges for homeowners, builders, and suppliers.
18
Dec
Terrorism Insurance: Do You Need It for Your Property?
When it comes to protecting commercial property, terrorism insurance might not be the first thing on your mind, but it’s an important aspect to consider.
18
Dec
Ending Hazing: Protecting the Next Generation of Tradies
A recent incident involving a plumber in Victoria has highlighted the issue of apprentice hazing or bastardisation.
18
Dec
2025 Planning: Insurance Essentials for Your Business
With 2025 almost upon us, now’s the time to assess whether your business is set for the year ahead.
18
Dec
Liability Risks Hidden in Your Christmas Party Plans
The festive season is upon us, and for many businesses, that means it’s time for the annual Christmas Party.
18
Dec
Christmas Presents: Will Your Insurance Cover Them & How?
Santa might have insurance for his sleigh, but what about the gifts under your tree – at home or work?
15
Nov
Flood Risks are Rising. Is Your Home Insured Against Damage?
Flooding is a major and worsening risk for many Australian property owners.
15
Nov
Is Your Business Ready for Severe Weather Events Coming Up?
Geopolitical risk has become a major focus for businesses of all sizes, including SMEs.
15
Nov
Top Tips for Aussie Real Estate Agents Choosing Insurance
Being a real estate agent comes with a fair share of risks. Think high-value transactions, complex regulations, market volatility, and even working alone, meeting strangers in empty properties.
15
Nov
Balancing Maintenance and Innovation: A Must for SMEs
According to the Reserve Bank of Australia, SMEs spend 25% more on research and development (aka innovation) than big business. In fact, SMEs account for 55% of total R&D spending.
15
Nov
Cybersecurity Rules Tighten: Is Your Board Prepared?
In an era where cyberattacks can bring even the biggest companies to their knees, the Australian Securities and Investments Commission (ASIC) is upping its game.
18
Oct
The Impact of Global Risk on Your Business Strategy
Geopolitical risk has become a major focus for businesses of all sizes, including SMEs.
18
Oct
White Island Case: What It Means for Adventure Tourism
The White Island (Whakaari) volcano eruption across the Tasman Sea from Australia does still have fallout for Australian adventure tourism businesses
18
Oct
Avoid Fines: Ensure Your SME Reports Hacker Payments
The Federal Government has put its planned ban on ransom payments to hackers in the ‘too-hard basket’. But what they’re doing instead should make even your small-to-medium-sized business take notice.
18
Oct
Are We Failing to Protect Our Truckies on the Road?
Truck drivers are the backbone of Australia’s economy, ensuring that goods are transported efficiently across the country.
18
Oct
Do You Know the 7 Key Risks of Owning an Electric Vehicle?
Sales of electric vehicles (EVs) in Australia have reached a milestone – for the first time, more than 50,000 in the first six months of a calendar year.
13
Sep
Cybersecurity for SMEs: Stay Ahead in the Flux of Change!
Cybersecurity has become a necessity no matter your business size.
13
Sep
Update on Professional Services SMEs & Money Laundering
Money laundering is a growing concern in Australia, and professional services firms are often caught in the crossfire.
13
Sep
White Island Case: What It Means for Adventure Tourism
The White Island (Whakaari) volcano eruption across the Tasman Sea from Australia does still have fallout for Australian adventure tourism businesses.
13
Sep
Don’t Travel Without Insurance for Business or Leisure
As spring arrives, Australians are eager to embark on their travel adventures, both domestically and abroad; for business, leisure or both – often known as ‘bleisure’.
14
Aug
Should Your SME Use an Underwriter for Insurance Coverage?
An insurance underwriter plays a key role in the insurance world, especially for businesses.
14
Aug
What You Need to Know About Contractor Liability Insurance
In the dynamic landscape of Australian small businesses, ensuring your operations are protected from unforeseen risks is always on your radar.
14
Aug
Rising Insurance Costs: Solutions for Home Builders
Home builders are doing it tough. According to Master Builders Australia, they’ve borne the biggest risk of the recent economic downturn and construction costs ballooning 40%.
14
Aug
Hospitality Challenges: What’s Affecting Your Business?
The hospitality sector is regaining lost ground after the pandemic, with businesses having re-opened, some pivoting and travellers eager to explore.
17
Jul
How to Choose the Best Farm Equipment Insurance
Farm equipment is the lifeblood of Australia’s agricultural industry. From tractors and combines to irrigation systems, these machines are essential for ensuring productivity and efficiency on the farm.
16
Jul
Strategies to Manage Project Risks for IT Pros
When you're in the thick of an IT project, the last thing you want is for things to go pear-shaped because you didn't foresee the risks.
16
Jul
Securing Your Future: Essential Tips for First-Time Investors
Thinking of joining the 2.24 million Australian taxpayers who are property investors?
16
Jul
Is Your SME Thinking About Using AI? Know the Risks
Just a quarter of Australian small-to-medium-sized (SME) businesses now use artificial intelligence (AI), according to a brokerage survey. However, fast forward to 2026 and six in 10 SMEs expect to be doing so
16
Jul
10 Essential Tips for Buying Small Business Insurance
As a small business owner, you might be overwhelmed working out what your risks are, how to deal with them, and which need insurance coverage.
17
Jun
Clearing the Air: Sole Trader Insurance Myths Exposed
As a sole trader charting your course through insurance options, separating fact from fiction is paramount. Common misconceptions often shroud why sole traders need insurance – a nice-to-have or must have?
17
Jun
17
Jun
Lithium Safety Measures for Your SME
Lithium-ion batteries are increasingly dominant in Australia and globally as a form of rechargeable battery technology. They are used across various industries from light to heavy.
17
Jun
Access for All: Is Your Workplace Meeting Standards?
Creating a diverse and inclusive workplace is no longer just an ideal, it’s a necessity.
17
Jun
Protect Your Business From Fake Insurance & The Scammers
Running a small business is tough enough without worrying about getting scammed.
13
May
Emerging Cyber Insurance Trends Your SME Needs to Know
Australian businesses are getting smarter about managing cyber risks.
13
May
Solar Batteries: Balancing Risks & Opportunities
Australia has embraced solar power, with one in three households and businesses now sporting rooftop panels, according to the Clean Energy Council.
13
May
How Does Australia’s Housing Shortage Affect Your Business?
Is the housing shortfall good or bad news for small-to-medium-sized (SME) businesses in Australia?
13
May
Why Asbestos Mulch Could Be a Risk for Your Business
Asbestos-laden mulch has been found in NSW, the ACT and Victoria so far this year, but could be a wider problem.
13
May
Find Out if Corporate Travel is Worth it for your SME
Business travel is expected to remain strong in 2024, with research indicating a boost from sectors like manufacturing, healthcare, mining, oil and gas, professional services and construction.
18
Apr
Au Cheques on the Way Out: How It Could Affect Your SME
It’s official: Australian governments will stop using cheques by the end of 2028, with the financial system banning them by no later than 2030, says the Federal Treasury.
18
Apr
Proactive Measures: Latent Defects Insurance Insights
NSW is looking to make latent defects insurance (LDI) compulsory for high-rise residential buildings by 2028.
18
Apr
Prepare Your Hospitality Business for Seasonal Changes
Managing the shift from summer to autumn is just one aspect of seasonality for hospitality businesses - a key risk for SMEs in this sector.
18
Apr
5 Insurance Claims Aussie SMEs are Most Likely to Make
Here are the top five insurance claims Australian SMEs make, according to insurers.
31
Mar
Mitigate Risks: Shoplifting Solutions for Aussie SMEs
A swathe of retail job vacancies, cost of living crisis, and advance of self-serve checkouts are creating a perfect storm of a surge in shoplifting, according to The Australian Financial Review.
26
Mar
Cyber Insurance: Your Protection Against Data Breaches
Globally, a cyber breach to professional services businesses cost an average AU$6.77 M per company in 2023, according to IBM’s most recent data breach report. For businesses with fewer than 500 staff, the average cost was marginally lower at about $5M.
26
Mar
Is Australian Manufacturing Innovation on the Rise Again?
Since the mid-1950s, the Australian economy has moved from focusing on manufacturing and agriculture to services, says the Productivity Commission. Nine out of 10 of us now work in services and that sector accounts for about 80% of production.
26
Mar
Key Insights for SMEs: Professional Indemnity 2024
Professional indemnity (PI) insurance is not limited to traditional professions. This article is your guide into how PI works for SMEs and why you should consider taking out a policy.
26
Mar
CEOs Name Their Top Risk for 2024: Why It Should Be Your Concern, too.
A survey of Australian CEOs has spotlighted what they believe is their top business risk for the next three to five years: cyber security issues.
28
Feb
Why these Types of Business Insurance are a Necessity
How can you determine the essential insurance you need for your unique business?
28
Feb
Myth Busting SMB’s Top 3 Insurance Misconceptions
Australia has about 60,000 registered not-for-profit organisations, according to the Australian Charities and Not-for-Profits Commission (ACNC).
28
Feb
What do you Risk by Choosing a Lower Level of Insurance?
It's easy to assume all coverage is equal when it comes to finding your best-fit insurance. But choosing opting for a low level of cover may end up costing you more in the long run.
28
Feb
How will the Metaverse Change the Insurance Landscape?
The term ‘metaverse’ was coined in 1992, as an online space combining virtual and physical worlds. And, the metaverse-like online multimedia platform, Second Life, which began in 2003, is still going, with almost 65 million active users.
28
Feb
Are you Covered and Prepared for Bushfire Risks?
Many areas of Australia have increased vegetative growth at the tail end of the third La Niña wet-weather pattern in a row. This has raised the risk of bushfires.
22
Jan
Management Liability for Not-for-Profit Organisations
Australia has about 60,000 registered not-for-profit organisations, according to the Australian Charities and Not-for-Profits Commission (ACNC).
22
Jan
Tips for Medical Practice Risk Management
Australians think of medical providers as their front-line defence for health issues, but who’s helping those healthcare practices to stay ‘healthy’?
22
Jan
The Must-have Cover for Your Professional Services Firm
No matter how much experience or how stellar the reputation of your professional services firm, you may still face an insurance claim.
22
Jan
Have You Checked Your Home Cover Is Exactly What’s Needed?
An estimated eight in 10 Australian homeowners are underinsured, according to insurance websites that cite the Insurance Council of Australia (ICA) or the Australian Securities and Investments Commission (ASIC).
22
Jan
Factoring Mother Nature Into Your SME’s Risk Strategy
For business owners, Mother Nature’s risks can feel like a looming threat always on your horizon. Natural events are a matter of ‘when’, not ‘if’. Most can be expected and planned for.
19
Dec
Product Liability Cover: Why Your Business Needs It
Myths abound among small-to-medium-sized businesses about the need for product liability insurance and its coverage.
19
Dec
Tips To Cut Your Insurance Premiums & Stay Safe on the Road
In the fast-paced world of commercial transportation, ensuring that your insurance premium and policy are as hardworking as your road operations is crucial.
19
Dec
Tips To Minimise and Manage risk at Your Work Christmas Pary
Planning for your business staff Christmas party may be well underway. However, one area of paramount importance, yet often overlooked, is managing the risks involved.
19
Dec
Selling alcohol? Top risks for hospitality businesses
As a hospitality business with a licence to sell alcohol in Australia, you face quite a few legal issues in your operations. This article updates you on the risks and advises on how to manage them, particularly over the summer.
19
Dec
Bushfire season is here: How to protect your commercial property
According to global research, Australia’s bushfire season is 130 days per year. Due to climate change, the number of extreme fire weather days has jumped 56% in the past four decades, but there’s plenty you can do to minimise your risks as we enter another season.
14
Nov
Lawsuit? What To Do if Your Business Is Served
Disclaimer: The following article provides general business advice and is not intended to serve as legal advice. Each business situation is unique, and laws vary by location. Consult with a qualified solicitor for advice tailored to your specific circumstances and jurisdiction.
14
Nov
How to Steer Your Construction Business Through Volatility
The CEO of Master Builders Australia (MBA) has likened the sector to the canary in the economic coal mine as volatility remains high in the construction industry.
14
Nov
What’s Your Business Duty When Selling Faulty Goods?
Each year, almost 800 Australians die due to using items that were unsafe due to their production or the way they were sold.
14
Nov
The New Reality for Australia’s Transport & Logistics
While supply chains have always been prone to disruption, they have become even less predictable in the wake of the pandemic.
14
Nov
Using Foreign Manufacturers? Here’s How To Reduce Your Risks
Australia’s skills shortage and high manufacturing costs mean importing products and parts from overseas can make good business sense.
26
Oct
Small Business Lessons from the Recent PwC Saga
The recent PwC scandal doesn’t only affect the top end of town. There are also plenty of lessons for SMEs about how not to do business.
26
Oct
Is Your Transport & Logistics Business Future-Ready?
The transport and logistics sector is the lifeblood of Australia. According to the Federal Government’s Australian aggregate freight forecasts, the nation’s ‘freight task’ grew over four-fold in the five decades to 2020.
26
Oct
Supply Chain Fraud: How To Stay a Step Ahead of the Scammers
Supply chain fraud is in the spotlight. A report from the Australian Competition and Consumer Commission (ACCC) showed a 1,174% increase in false invoices led to $8.6 million in losses last year.
26
Oct
Hot & Dry Summer Ahead. Have the La Ninas Offset the Worst?
Last month, the Bureau of Meteorology announced the start of an El Niño weather pattern. Our country can, therefore, expect warmer and drier conditions for the next three months at least. What does that mean for you, your assets, and insurance?
18
Oct
Why a Risk Multiplier Mindset is Good for Your Business
Did you only focus on individual risk factors when you last undertook a risk management matrix for your SME?
26
Sep
Toolbox Talk: Time to Protect Tradies and Your Business
How does your business feel about artificial intelligence (AI)? Is it a friend, foe, or both, particularly when it comes to cybersecurity? A recent Australian conference heard SMEs need to embrace AI or be left behind.
26
Sep
Using Generative Al in your Business? Risk & Opportunities
It’s less than a year since OpenAI released its (general) artificial intelligence (AI) app, ChatGPT. Since then, it and its alternatives, have transformed how we do business.
26
Sep
When Industrial Special Risks Insurance Comes into Play
High-value physical assets may be essential to your small-to-medium-sized business.
26
Sep
Is Your Business Premises in One of these Hotspots?
Bush fire hotspots are relevant year-round, not just during the fire season. Factors that come into play include vegetative growth, humidity, wind, rainfall, lighting, and temperature inversions
25
Aug
Are Drones an Opportunity, Risk or Both for Your Business?
Drone use is gaining in popularity among Australian businesses, with almost 33,355 commercial drones registered with the Civil Aviation and Safety Authority (CASA).
25
Aug
Cyber Resilience: Are You There Yet? Check Our Guide
The frequency and complexity of cyber hacks are rising. And it’s not just financial services at risk, one in five Australian businesses overall experienced a cyber breach in 2021-22.
25
Aug
How Does the Decarbonisation Trend Impact Shipping Risks?
As part of the decarbonisation push, the International Maritime Organization (IMO) introduced a global regulation in 2020 to limit sulphur in ships’ fuel oil to just 0.5%. By 1 May next year, it must drop to just 0.1% in the Mediterranean region.
25
Aug
5 Tips To Slash the Downtime of Your Work Vehicles
In a perfect world, your work vehicles would always be available when needed. However, business owners know that’s never the case.
25
Aug
Use This Checklist: 5 Tips to Spring Clean Your Business Now
With spring around the corner, it’s a great opportunity to start spring cleaning for your business.
20
Jul
Yes, You Can Insure Second-Hand Gear for Your Business
The options for buying pre-loved equipment for your business can be plentiful.
20
Jul
Risk Management Tips for Australian Service – Based Businesses
As a service-based business operator, you typically enjoy lower running costs than those selling products. Instead, you offer intangibles, such as skills, expertise and time.
20
Jul
Environmental Risk Mitigation for Your Construction Projects
It’s important to keep the environmental risks of your building projects to a minimum. Here’s a checklist to help you manage these factors.
20
Jul
Spotlight on Work-Vehicle Bingles & Managing Your Risks
As a business owner, you know how important it is to maintain the safety of your work fleet and have clear policies for staff using them.
20
Jul
What You Need to Know About Insurance as an Exporter
Two-thirds of Australian small-to-medium-sized enterprises (SME) go out of business after a cyber attack or data breach. That’s according to the latest figures from the Australian Small Business and Family Enterprise Ombudsman. Often, small business owners think they’re too small to be targeted, but they face the same threats as larger organisations.
14
Jun
Why Do Business Insurance Premiums Keep Fluctuating
Businesses keen to invest in insurance as part of their risk management approach may notice insurers are pickier about offering cover and premiums are rising.
14
Jun
Protecting Your Freight on the Move
Shutdowns and supply chain disruptions, such as we saw during the pandemic, highlight the crucial role the transport and logistics sector plays in keeping Australia moving.
14
Jun
Insider Tips on Managing Your Commercial Property Risks
As a commercial property owner, it is important to understand your responsibilities and ensure that you have the right insurance coverage to protect your property against potential damages.
14
Jun
Tropical Cyclones on the Cards: Is Your Business Prepared?
While fewer severe storms, such as cyclones and floods, are predicted for Australia’s east coast, according to global research published recently, those storms will be more intense. They may also head south along our coasts on both sides of the country, says CoastAdapt. While building codes, such as the wind-loading standards, are currently very effective in reducing losses and injuries, that won’t always be the case. You need to know what else your business can do for protection.
19
May
4 Common mistakes SMEs Make That Invite Cyber Attackers
Two-thirds of Australian small-to-medium-sized enterprises (SME) go out of business after a cyber attack or data breach. That’s according to the latest figures from the Australian Small Business and Family Enterprise Ombudsman. Often, small business owners think they’re too small to be targeted, but they face the same threats as larger organisations.
19
May
Selling Yourself Short? Why You Should Avoid Underinsurance 19 may
Is your small business among the one in four that say they’ll go under if faced with a liability claim? That’s the alarming statistic from one insurer’s survey.
19
Apr
How To Protect Your Business From Increasing Cyber Risks
Cyber crime is the #1 risk for the nation’s businesses, with an incident reported every seven minutes on average to the Australian Cyber Security Centre (ACSC). To quantify those risks, a University of NSW book, Cybercrime in Australia: 20 years of inaction, estimates it cost the Australian economy $42 billion in 2021.
19
Apr
Buckle Up for More Truck Driver Safety Improvements
Trucking safety has improved over the past decade, but there’s still a need to protect truck drivers at work better
19
Apr
Undetectable Defects: Are Your Fleet Vehicles at Risk?
Supply chain disruptions – shipping issues and computer chip shortages - mean there can be up to year-long delays in accessing new vehicles. It’s, therefore, important to keep your existing fleet well-maintained in the interim.
19
Apr
What the Changing Climate Means for Aussie Agriculture
Last year’s wetter and warmer weather than average could be a sign of things to come. And that trend is not just because Australian agriculture has endured three La Niña weather patterns in a row. Uncertainty and extremes are the themes for our country’s future climate and globally. Last month, the Intergovernmental Panel on Climate Change issued its six-yearly report, which synthesised 14,000 scientific papers. Since the pre-industrial age, global temperatures have risen 1.1oC due to burning fossil fuels.
19
Apr
How to keep your small business team safe at work
According to the Australian Bureau of Statistics, in those industries with the highest rates of injuries, 43% are small business workers. They include construction, agriculture, mining, transport, manufacturing, and warehousing.
31
Mar
Why Regular Risk Assessments are Vital for Small Businesses
A major cause of the failure of small-to-medium-sized businesses’ (SME) is not managing their risks, research shows. The first step to boosting your approach is to assess risks regularly.
31
Mar
4 Ways To Check if Your SME Is Underinsured (and What To Do)
About two-thirds of small-to-medium enterprises (SMEs) are underinsured or have the wrong kind of insurance (or no insurance at all), according to insurance industry reports. The pitfalls of not having the right cover mean your business could be out of pocket when disaster hits.
31
Mar
The Role of Public Liability Insurance for Builders
Owning a construction business means you have your hands full. Whether you’re a builder or a sub-contractor there’s a lot to oversee, do and manage. And then there’s the risk of a third-party being injured or their property damaged due to your work.
31
Mar
How do you Manage these Top 4 Hospitality Business Risks?
The past three years have been a whirlwind for hospitality businesses. While the pandemic seems to be on the wane, your business should still do everything reasonably practicable to reduce the risks of COVID-19’s spread, like keeping up to date on employers’ responsibilities via this Safe Work Australia website.
31
Mar
4 Myths about Cyber Insurance Debunked
Cyber security is a top risk management concern for Australian businesses, with eight in 10 organisations hit by ransomware. And research shows small businesses are likely to have poor security practices due to common misconceptions about the threat.
28
Feb
Why do you Risk by Choosing a Lower Level of Insurance?
It's easy to assume all coverage is equal when it comes to finding your best-fit insurance. But choosing opting for a low level of cover may end up costing you more in the long run. It's also important to consider: Is the insurance cover aligned to the unique risks of your business? How quickly will you be able to resume trading following loss or damage, and will your insurance cover assist you to resume trading in a timely manner? What natural disasters is your business exposed to and will your cover adequately respond?
19
Dec
General
Fire Protection Industry Award
The 2022 Trevor Patrick Commitment to Industry Award was awarded to Richard Luscombe, our National Business Development Manager.
8
Dec
Is Your D&O Team Ready to Deal with Cyber Crime?
A cyber attack happened once every eight minutes in Australia in 2020-21, compared with once every 10 minutes in the previous financial year
8
Dec
If a D&O Claim Was Made Against Your Business, What’s Next?
Directors’ and officers’ liability (D&O) insurance is a robust way of bolstering your risk management. It will help to cover the costs and damages of defending wrongful action allegations and lawsuits.
8
Dec
Do Individuals Need Personal Cyber Insurance?
Cyber crimes against individuals, such as online banking and shopping compromise, were among the most common reports made in 2021-22 to the Australian Cyber Security Centre (ACSC). That’s according to its annual Cyber Threat Report, released in November 2022.
8
Dec
What do the Taiwan-China Tensions Mean for Supply Chains?
It’s worth paying attention to the issues between China and Taiwan, particularly if you operate a business in Australia.
14
Nov
These are the Claims Landlords are Most Likely to Make
If you’re among the one in seven Australians who own a residential investment property, it’s useful to know the most common claims landlords make on their insurance.
14
Nov
How to manage the Risks of Your Work Christmas Party
Chances are your business is organising an event for the upcoming festivities. As an employer, your duty of care remains the same even at work Christmas parties.
14
Nov
Is Your Construction Business Ready for La Nina #3?
It’s official. The disruptive La Niña weather pattern has returned on the tail of two others, according to the Bureau of Meteorology (the BoM). It tends to bring cooler, wetter weather and often floods.
31
Oct
What you Risk if Your Home is Underinsured
About eight in 10 Australian homes are underinsured, according to (ASIC) Australian Securities and Investments Commission. As well, 11% of householders have no building insurance, and 23% have neither building nor contents insurance.
31
Oct
Deepfakes and Business: Know the Risks to Your Operations
Deepfakes can wreak havoc on your business reputation and expose you to fraud, identity theft, hoaxes, ridicule, harassment, and more, according to the eSafety Commissioner.
31
Oct
What are the Most Common Injuries for Factory Workers?
According to Safe Work Australia, Australia’s manufacturing sector records 9.1 serious accident claims per million hours worked in 2019-20.
31
Oct
How to Protect Your Commercial Property from Bushfires
According to global research, Australia’s bushfire season is 130 days per year. Due to climate change, the number of extreme fire weather days has jumped 56% in the past four decades, but there’s plenty you can do to minimise your risks as we enter another season.
28
Sep
The Russia-Ukraine War’s Impact on Global Shipping
Since the start of the Russian-Ukraine War on February 24, Australia has felt the ripple effect on global shipping.
28
Sep
Mining’s Top 10 Risks for 2022
Professional services consultancy Deloitte has just issued its report on the top 10 risks shaping the future of mining across the world. The findings are similar to another report from its competitor KPMG.
28
Sep
Spring Clean your Business – Here’s How
Running a business can be stressful because it can feel like your work is never done. But the act of spring cleaning - tidying and organising your digital and physical environment - can offer a timely reprieve.
28
Sep
Is this the Worst Year to Invest in Property?
If you’re weighing up the pros and cons of buying property in 2022, then be sure to do your due diligence in risk analysis. We note that your circumstances are unique, and we don’t offer financial investment advice - that’s not our line of business as your insurance broker. Below we offer some research from various sources to factor in as you look at your risks of buying property.
28
Sep
Your Obligations for Customers Personal Information
As a business, you may have obligations under the Privacy Act regarding how you handle your customers’ and employees’ information.
26
Jun
Insurance
Building Your Home? Beware of This New Risk
Signing a contract for a new home build can be nerve-wracking, and there are solid numbers of Australians on this journey.
26
Jun
Insurance
What You Need To Know About the Claims Process
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.
26
Jun
Insurance
Is Your Business Across Its Employment Practices Liability?
Employment practices’ liabilities can be expensive, disruptive, and time-hungry to businesses. Claims are also rising.
26
Jun
General
How a Business Continuity Plan Can Help Protect Your Firm
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.
30
May
Insurance
5 Important Facts About Professional Indemnity Cover
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.
30
May
General
How Early EOFY Prep Can Save Your Business Money and Time
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.
30
May
General
About To Sign a Commercial Lease? Check Out These Tips
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.
30
May
General
Not the Same: Employee vs. Independent Contractor
Understanding the difference between an independent contractor and an employee is a problematic area of employment and related laws.
29
Apr
General
Know your Obligations as a Commercial Property Owner
Leasing your commercial property can deliver higher yields, but comes with a range of responsibilities, including regulatory and legal ones.
29
Apr
General
Don’t let Disaster Fraud Catch You or Your Business Out
Disaster brings out the good and bad in most people, but for fraudsters, it’s an opportunity to deceive others and cause harm.
29
Apr
Insurance
Have you got the right cover to match your business growth?
Get into the habit of reviewing your insurance before you renew them, and adapting it throughout the year.
28
Apr
Insurance
Using Commercial Vehicles? What You Need to Know About Insurance
It can be confusing to work out the differences between commercial and personal vehicle insurance, but there’s plenty to distinguish them.
29
Mar
General
How Ukraine’s War Affects Your Insurance and More
Russia's invasion of Ukraine is set to have severe repercussions in Australia.
29
Mar
General
Are your Directors & Officers prepped for Cyber Breaches?
A cyber attack happened once every eight minutes in Australia in 2020-21, compared with once every 10 minutes in the previous financial year.
29
Mar
Insurance
Need To Claim Flood Damage for Your Business? Use These Tips
When a flood hits, staying safe and finding headspace to claim on your insurance for damage can be stressful.
1
Mar
General
Avoiding the most Common Construction Risks
The average person might be surprised by how many risks confront construction businesses.
1
Mar
Insurance
How Real Estate Agents can get the best deal and fit for Professional Indemnity Insurance
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.
1
Mar
Insurance
Why Your Business Needs a Plan: The Importance of Continuity in 2022
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.
1
Mar
General
The Impact of the Supply Chain Crisis on Different Industries
While the pandemic has spotlighted supply chain disruption, other factors are coming into play.
27
Jan
General
What Does 2022 Hold for Logistics’ Trends?
Logistics has become a hot term given the protracted supply chain chaos and recent shortage of the crucial diesel engine additive AdBlue.
27
Jan
Insurance
Explainer: How Cyber Insurance Helps Your Business
Every 10 minutes on average, another Australian small business reports a cyber crime, according to the Australian Cyber Security Centre.
27
Jan
Insurance
What You Can Do to Stop Your Premium Increasing
With such a hardening market for premiums, how can you minimise the anticipated premium rise this financial year?
27
Jan
General
Your New Year Insurance Checklist
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.
21
Dec
Insurance
COVID’s effect on accidents and insurance claims
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.
21
Dec
The risks of unattended commercial property over the holidays
Leaving your commercial property unattended during the upcoming summer holidays poses many risks. But these can be managed with some forethought.
21
Dec
General
Reflecting on Australia’s natural disasters of 2021
Australia has had more than its usual share of natural disasters in 2021.
29
Nov
General
Are you aware of the biggest commercial landlord risks?
With commercial property landlords enjoying returns of up to 12%, it makes sense there would be more risks and work involved.
27
Nov
General
COVID-19’s implications for your management liability
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.
26
Nov
Insurance
Why you should tap into the expertise of an insurance broker
Comparison insurance websites are useful. But how satisfied are you with their advice and service?
25
Nov
Insurance
How chip shortages impact the manufacturing industry
It might not be until 2023 before the global microchip shortage is over.
24
Oct
Insurance
What you should consider when negotiating indemnities in a contract
An indemnity is a promise or guarantee to compensate someone for loss or damage suffered.
24
Oct
Insurance
Priority insurance policies for the construction industry
In this article, we’ll explore construction works, product and public liability, business vehicles, material damage, and workers’ compensation.
24
Oct
Insurance
Prepare for bushfire season and protect your business
While the promise of warmer weather spells days at the beach and backyard BBQs, spring and summer can sadly also bring bushfires.
24
Oct
An earthquake happens every day in Australia – are you prepared?
How to prepare your business for a natural disaster
22
Sep
Insurance
Manage the risks in your online business
Ecommerce continues to thrive, with Australia now being among the most attractive consumer markets on the globe.
22
Sep
Insurance
Cyberthreats are a growing risk to Australian agriculture
One of the biggest banes of agriculture isn't unpredictable weather patterns of droughts and flooding rains. It's cyber threats.
22
Sep
Insurance
The public liability court cases your business should know
While public liability insurance isn’t compulsory for some business types and sectors, these actual cases may prompt you to consider this cover.
23
Aug
General
5 tips to boost safety in your transport company
How can road transport companies reduce their risks when it comes to safety on site, on the road, or in the office?
23
Aug
Insurance
Increasing building costs could mean you’re now underinsured
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.
30
Jul
Insurance
The most infamous product liability cases from around the globe
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?
30
Jul
Your guide to landlord rights and regs around Australia in 2021
Find out what’s happening with regulations in your state or territory.
30
Jul
Insurance
How management liability insurance gives your business more power
On average, one in five Australian small businesses have been party to a dispute, with most of them experiencing financial loss.
30
Jul
Insurance
What’s a harder insurance market got to do with your business?
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?
30
Jun
General
How to reduce business operating costs – no matter what your industry
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.
30
Jun
Insurance
What you need to know about the claims process
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
30
Jun
Insurance
The hidden costs of equipment breakdown
Unreliable equipment can be the death knell for a business, with the costs of equipment failure and downtime tricky to accurately predict and calculate.
30
May
General
Does your office productivity need a boost? Try these simple tips
With 2021 now in full swing, how can you build higher productivity in your office?
30
May
General
Buying secondhand equipment? The low-down on your insurance options
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.
30
May
Insurance
The risks of underinsuring your business
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.
30
Apr
Insurance
Insuring your whole business? Is that even possible?
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.
30
Apr
Insurance
How to protect your hotel for potential losses
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?
30
Apr
General
How COVID-19 has changed your workers’ compensation liabilities
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?
20
Feb
Insurance
Your business’s safety net: Why you need crime insurance
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.
20
Feb
Insurance
Protect your business against these top cyber threats in 2021
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.
20
Feb
Insurance
Four ways to reduce your business risks in the uncertain business climate
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.
20
Feb
Insurance
Why you need tailored hospitality insurance
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.
29
Dec
Insurance
Asset Protection: How to plan for the unexpected
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.
29
Dec
Insurance
Sole traders’ biggest risks and how to insure for them
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.
29
Dec
Insurance
Heavy commercial transport: what could possibly go wrong?
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?
29
Dec
Insurance
Landlord insurance demystified in under 3 minutes
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.
29
Nov
Insurance
Is your business waterproof? Here’s your storm preparation checklist
What will the next storm bring to your business? Stop the guesswork & start your plan with this checklist.
29
Nov
Insurance
Purchasing insurance directly or through a broker/advisor
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.
29
Nov
Insurance
Why marine transit insurance makes sense now more than ever
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.
29
Nov
Insurance
Do you know your key legal and regulatory obligations?
As a business owner or manager, paying attention to legal and regulatory basics can save you a big headache down the track.
29
Oct
Insurance
How to protect your manufacturing business from these important risks
Smart manufacturing businesses have protected themselves for these risks - are you one of them?
23
Oct
Insurance
Bushfire proofing your business to ensure commercial survival
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.
23
Oct
Insurance
The effects of cutting or cancelling your business interruption insurance
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.
23
Sep
Insurance
How does fleet insurance work?
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.
23
Sep
General
Empty building or business? Here’s how to manage your risks
With many businesses currently vacated, what are the risks of unoccupied buildings and how can you manage them?
23
Sep
Insurance
These global risks affect every business
Cybersecurity, Mother Nature, rules, political mayhem and business interruptions: how’s your business covering these global risks?
23
Sep
Insurance
5 questions to ask your cyber insurance provider
Aussie SMBs must ask these key questions before choosing insurance to protect themselves from ransomware and other cyberattacks.
23
Aug
Insurance
Why using an insurance broker makes good business sense
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
23
Aug
Insurance
How public liability and professional indemnity insurances are often confused
Do you know the difference between public liability and professional indemnity insurance? Your business might need both - here's what you need to know.
23
Aug
Insurance
Protect your fleet with the right insurance
Managing the insurance needs of company vehicles can be time-consuming. It’s time to think about fleet insurance.
23
Aug
Insurance
Can your insurance weather the storm?
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.
20
Aug
General
Adapting in changing times
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.
16
Jul
General
Cyber Security in the time of COVID-19
Phishing scams have increased dramatically as COVID-19 has forced large numbers of Australians to work from home.
16
Jul
Insurance
Lessons learnt from fighting fire
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.
16
Jul
Insurance
Fit-for-purpose: business planning for the months ahead
As Australia emerges from lockdown, businesses are now facing the next hurdle.
26
Mar
Insurance
Are you underinsured?
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.
26
Mar
Insurance
Public and products liability insurance at a glance
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.
19
Mar
Insurance
Why small businesses use an insurance broker
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.
27
Sep
Insurance
Cyber cover: do you need a separate cyber policy?
With so much business activity taking place online, does your business have a robust risk management strategy?
30
Aug
General
Preparing for social media risks
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.
15
Nov
Insurance
How to reduce your business insurance costs
Every business likes to keep its costs low. And, the more insurance you need, the higher your premiums will be.
Windsor News Sign-up
Get the latest Windsor news updates in your email
Book An Appointment
Submit a Claim
Contact Us