How to Keep Your Gardening Business Thriving in the Off-Season *
Running a gardening business can be highly rewarding during the warmer months when demand for landscaping, lawn care, and plant maintenance is high. However, as temperatures drop, many gardening services experience a slowdown in work. Instead of waiting for business to pick up again, there are ways to keep your gardening business thriving during the […]
How to Turn One-Time Cleaning Jobs into Long-Term Clients
Securing a one-time cleaning job is great but turning that customer into a long-term client is much better. For cleaning business owners in Australia, repeat clients mean steady income, less time spent on marketing, and stronger business growth. Here’s how you can give yourself a chance to turn one-off cleaning jobs into a long-term relationship. […]
From Slips to Stray Stones: Liability Risks for Gardeners *
Running a gardening business comes with its fair share of liability risks that can lead to costly claims. Whether it’s a slippery footpath, flying debris, or accidental damage to a client’s property, these risks could impact your business. Here’s a closer look at some liability risks gardeners may face and how public liability insurance may […]
What to Do If a Client Makes a Claim Against Your Cleaning Business
Running a cleaning business involves working in homes, offices, and commercial spaces, where accidents and misunderstandings may occur. Whether a client claims that your team caused property damage, failed to meet expectations, or contributed to an injury, knowing how to respond may help protect your business. A structured approach may assist in resolving the situation […]
What To Do If You Face a Public Liability Insurance Claim
Running a business comes with risks, and despite taking precautions, accidents may happen. If a third party—such as a customer, supplier, or passerby—files a public liability insurance claim against your business, it’s important to respond promptly and appropriately. Here’s a step-by-step guide on what to do if you receive a public liability claim. Stay Calm […]
What does public liability insurance NOT cover
Public liability insurance is designed to protect Australian businesses from third-party claims of injury or property damage that occur due to their business activities. However, like any insurance policy, there are limitations and exclusions. Understanding what public liability insurance does not cover is just as important as knowing what it does. While In Australia, Public […]
The Role of Public Liability Insurance in the Hospitality Industry
The hospitality industry, including cafes, restaurants, and catering businesses, thrives on customer interactions. Whether serving meals, hosting events, or providing catering services, these food and beverage businesses face various risks daily. Public liability insurance may assist in managing some of these risks by helping protect businesses against third-party claims of injury or property damage. How […]
Why Public Liability Insurance May Be Important for Mobile and Home-Based Businesses
While operating a mobile or home-based business comes with flexibility and cost savings compared to having commercial office, retail or factory space, it also introduces unique risks. As mobile businesses operate without a fixed business location, some mobile business owners may assume they are less likely to face liability claims, however accidents and incidents still […]
What to Do When a Customer Makes a Claim About Your Product
Handling a customer claim about your product can be a challenging experience for any business owner. Whether the claim is about an injury or property damage caused by your product, taking the right steps may protect your business while maintaining your reputation. Here’s a guide to help you navigate this process effectively: Acknowledge the […]
Understanding Product Liability Insurance: Protecting Your Business Against Faulty Product Claims
Running a business that involves manufacturing, distributing, or selling products comes with risks. Even with strict quality control, products may sometimes cause harm or damage. This is where product liability insurance may help protect your business from potentially costly claims. What Is Product Liability Insurance? * Product liability insurance is designed to protect your business […]
Recommended business insurance policies for IT contractors and companies
Operating in the engrossing IT industry comes with risks. Whether you’re a contractor developing software, an IT consultant advising clients, or an IT company owner managing large-scale IT projects, securing suited business insurance may help protect against potential financial setbacks. Below, we explore some key policies that IT professionals in Australia may consider to help […]
Advice for New IT Contractors: 5 Tips for Contractors Just Starting Out
Starting out as an IT contractor is an exciting step in your career and building a business. While exciting, venturing out in into IT contracting for yourself also comes with challenges and responsibilities. Here are five tips to help you lay a solid foundation for your success: Understand Your Business Structure * Choosing the appropriate […]
Building Strong Client Relationships as a Subcontractor *
For subcontractors, cultivating strong relationships with clients, including builders and project managers, is key to securing repeat business and maintaining a solid reputation in the construction industry. While technical expertise and quality work are critical, trust and transparency often set successful subcontractors apart. Here, we discuss strategies for building trust and explore how public liability […]
Key Business Insurance Policies Every Subcontractor Should Know About *
As a self-employed subcontractor, you are typically considered an independent business. This means you may be responsible for anything that goes wrong, which makes having suitable liability insurance essential to protect your business. Also, many self employed sub contractors operate as sole traders. Unlike larger businesses, sole traders may be personally liable for any financial […]
Understanding Public Liability Insurance for Cleaning Businesses
Running a cleaning business involves can mean working in a variety of environments, from residential homes to commercial properties. While your services help maintain cleanliness and hygiene, your work also exposes you to liability risks. Public liability insurance is a practical solution for cleaning businesses, providing protection against claims related to third-party property damage or […]
Safety First: Best Practices for Cleaners to Minimise Workplace Hazards
For cleaners, workplace safety is about personal wellbeing and about reducing liability risks for their business. Hazards such as wet floors, chemical spills, and improper equipment handling can lead to injuries and claims. By adopting safe practices, cleaners can create a more secure environment and potentially lower public liability risks. Here are some key strategies […]
Building Client Trust as a Gardener: Communication, Reliability, and Professionalism
Establishing trust is key for owners of gardening businesses seeking long-term relationships with clients. Trust can be built and maintained through clear communication, reliable service, and professionalism. By focusing on these areas, you can stand out as a dependable and skilled operator in your field. Additionally, investing in business insurance, such as public liability cover, […]
Why Gardeners Should Consider Public Liability Insurance
Gardeners face risks in their trade, often working on private properties and interacting closely with clients. Public liability and Products Liability insurance is important for gardening businesses as they have the risk of causing third-party injury and third-party property damage while performing their work. Here, we explore common scenarios where this type of coverage may […]
Essential Risk Management Tips for Small Business Owners in Victoria
Running a small business in Victoria comes with risks that need proactive management. By implementing a solid risk management strategy, business owners across Victoria can create a safer work environment, reduce the likelihood of incidents, and, over time, potentially indirectly lower public liability insurance costs. Here are practical risk management tips to help Victorian businesses […]
Understanding Public Liability Insurance for Victorian Businesses: What It Covers and Why It Matters*
Public liability insurance may provide essential protection for small businesses in Victoria, particularly those in trade and service sectors where interactions with the public are frequent. Designed to respond to third-party claims for injuries or property damage, this coverage could be a vital safety net against unexpected costs and liabilities. Let’s delve into what public […]
Why All Small Businesses Should Have a Business Continuity Plan *
A Business Continuity Plan (BCP) serves as a proactive strategy to help your business remain operational and resilient in the face of unexpected disruptions. While insurance policies like public liability insurance may help cover specific risks, a BCP aims to prevent or mitigate the impact of these risks altogether. For small businesses in Australia, having […]
Mistakes Business Owners Make When Choosing Public Liability Insurance and How You Can Avoid Them
Selecting a suitable public liability insurance policy is a significant part of protecting your business from unexpected risks. Yet, many business owners make avoidable mistakes that leave them underinsured or exposed to liabilities. This article outlines some common errors to watch out for when choosing public liability insurance and how to avoid them. Underestimating […]
Why Sole Traders Should Consider Public Liability Insurance
Operating as a sole trader in Australia comes with a lot of independence and flexibility, but it also carries risks that shouldn’t be overlooked. Unlike larger businesses, sole traders don’t have the protection of a company structure, making them personally liable for any legal claims or financial losses resulting from their business activities. One way […]
Navigating Insurance Options as a First-Time Business Owner
Starting a new business is an exciting journey, but it’s also one that comes with responsibilities and risks. As a first-time business owner, you might be focusing on building your client base, refining your services, or perfecting your product. However, one area that shouldn’t be overlooked is securing suitable insurance to protect your business. Understanding […]
What is Broadform Liability Insurance?
As a business owner, understanding different types of liability insurance is key to protecting your operations. One coverage you may encounter is broadform liability insurance. But what exactly is it, and how can it help protect your business? What is Broadform Liability Insurance? * Broadform liability insurance is a type of insurance that may […]