Running a small business in Australia comes with its share of risks, from accidents on your premises to legal liabilities. As a business owner, managing these risks is essential to ensure the smooth operation and longevity of your business. One of the key tools in managing these risks is insurance, which can provide financial protection […]
In today’s fast-paced digital economy, the number of e-commerce businesses continues to grow. From cosmetics, candles, handmade goods to imports including high-tech gadgets, online sellers offer a vast array of products to customers across the globe. However, with the rise of online sales comes an increase in potential risks, particularly when it comes to the […]
As a small business owner, you face numerous risks, whether you’re a retailer, operating a trade business, consulting, or providing services to the public. Accidents can happen, and when they do, you need to ensure your business is protected from potentially devastating claims. That’s where public liability insurance comes in. But how much cover do […]
What is OHS Risk Management?* Occupational Health and Safety (OHS) risk management is a formal process for identifying workplace hazards and analysing the risks associated with those hazards. You may find this article helpful in planning to protect the safety, health, and well-being of your employees, contractors, visitors, and anyone else visiting and interacting with […]
Growing a landscaping business in Australia doesn’t need to feel like an impossible task. In fact, when done correctly it can be a very profitable and rewarding venture. Business owners and homeowners need to keep a well-maintained space outdoors, so the demand for landscaping services is on the rise. With increased demand comes increased competition […]
The amount of public liability insurance that you need will depend on various factors including the type of work that you do, the potential and level of risk to the public of your work, the size and number of the clients you have and external factors such as contract or industry requirements. In general terms, […]
Public liability insurance is an important protection for business owners in Australia. Here are some of the most frequently asked questions about public liability insurance and other essential insurance coverages for Australian business owners: Is Business insurance the Same as Public Liability Insurance?* Business insurance takes many forms. One way to evaluate your business insurance […]
Insurance premium funding can help smooth cash flow for today’s business owners. Juggling bills and paying often hefty insurance premiums can leave business owners cash strapped. Where do you find the money to pay an entire year’s business insurance premium? Premium Financing Can Help Smooth Cash Flow Premium financing provides the funds required to cover […]
As you build your business as a sole trader, you will encounter risks that create the need for insurance protection. You’ll appreciate important advantages to this business approach. You control your business, giving you freedom to operate your business as you see fit. You don’t answer to anyone, except perhaps local regulations. The life of […]
Do you produce, distribute, or sell products to the public? If so, you may need product liability insurance. For example, a plumber rarely sells a product without installing it. However, what about that one-off customer who can’t find the part he needs, but you can easily get it for him at your plumbing supply? Supplying […]
Public liability insurance covers a business when a third party is caused injury or loss because of that business. Different things may be covered depending on the industry, and the work that’s conducted. While not every business has to have public liability insurance, it offers many potential benefits to small and medium sized establishments especially in the […]
The average small business owner pays approximately $800 per annum, or $66 per month, for public liability insurance, according to data collected by major Australian insurance providers. However, the amount that you actually pay depends on the characteristics of your business. Factors affecting the price include the size of your company and the risks of operating […]
Workplace safety should be a key business priority. After all, you never know when emergencies can strike. Accidents and unpleasant events can occur on any given day, especially if you are not serious about preventing them. Workplace accidents harm the people around you and can also shatter your reputation and financial stability. Your employees will […]
Whether you are a plumber, carpenter or an electrician, your job as a tradie always involves risk for both you and your client. After all, it is a physically demanding job. Every day you use potentially risky tools. There are many factors and variables beyond your control, no matter how vigilant and careful you are. […]
