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Are your contractors really employees?

If you're unsure you may be in danger of fines up to $630,000 for company’s and $126,000 for directors. Read our simple checklist to see if you are employing, and you do not meet the criteria of engaging a subcontractor.
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Limited Events Cover v Accidental Damage

The purpose of insurance is to provide protection when you need it most, yet the selection of the insurance protection is often chosen on price, not the quality of the protection. The challenge with a Limited Events insurance coverage (sometimes referred to as Defined Events) is that the insurance only responds to the listed events, so many exposures remain uninsured.  This often can be discovered too late, leaving you financially exposed.
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Do you Need Product Recall Insurance?

A key financial risk is the exposure to a product recall caused by contamination, mislabelling, or malicious activity. Insurance can respond to the event (the defect) that triggers the need to repair / replace, which is often referred to as a Contaminated Product or Product Recall insurance policy.
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ACCC 'Targeting Scams' report highlights increased risk of being scammed.

Last week the ACCC released its ninth annual 'Targeting scams' report. Providing great insight into the scale of losses and trends around the different types of scams. With a 13% increase from last year. - $340M in combined financial losses.
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The 6 Biggest Mistakes Businesses make

Common mistakes businesses make when assessing business risks and making insurance decisions.
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You get what you pay for - Complimentary Travel Insurance

When it comes to Travel Insurance we were reminded of the key principle ‘you get what you pay for’, with insurance having very little to do with price and all about the protection it offers.
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Operator Error Can Destroy Your Business

Read the top 8 common vulnerabilities that lead to potential catastrophic exposures for businesses due to operator error. Roughly two thirds of commercial property losses are at least partly to blame on human error.
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Fines & Penalties Insurance – A must have for business

Recently The Federal Government announced significant financial penalties for breaches of the Corporations laws and financial misconduct. FIND OUT MORE
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Trading through Uncertainty - Surviving Business Interruptions

Could your business survive a major weather event, or fire, or a power cut? Receiving income when a major interruption occurs is a cornerstone of insurance protection, yet only 17% of small business owners purchase Business Interruption insurance.
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Top 5 Equipment Breakdown Insurance needs

Our top five considerations for ensuring your equipment breakdown risks are matched with your insurance needs