Have you ever had an insurance provider refuse to pay a claim because you weren’t covered for as much as you thought you were? Sadly, this happens way too often, leaving many people high and dry when disaster strikes. In the first half of this two part series, we’ll look at the types of things insurers often exclude from their…
Changes to the Privacy Act will come into place now that the mandatory data breach notification laws have been passed in Australia. The amendment, which was passed by both parliamentary houses earlier this year will make changes to the laws dealing with privacy in Australia. These changes will signal a new era of corporate responsibility and transparency when it comes…
When you run a plumbing business, it’s important to have insurance that covers your equipment, employees, and customers. But what does plumbers insurance cover specifically? And how can you make sure you’re covered for the risks your business faces? There are a number of essential, and worthwhile insurance products that are worth considering, which will make sure your plumbing business…
With the growing increase in laptops, tablets and mobile devices being incorporated in to school curriculums, many parents are faced with concerns about insuring their children’s electronic devices. For example: Are you covered by insurance if your child loses or breaks their mobile phone? This really depends on the nature of your policy… Some policies will only cover certain listed…
Whether you’re travelling for leisure or business, ensuring the appropriate insurances are in place before setting off is definitely recommended… by the National Government’s SmartTraveller.gov.au, your mother, and us! Though travel is becoming a lot more accessible, affordable and necessary, unfortunately this doesn’t change the risks involved… which is why travel insurance exists – to protect your investment in the…
With the warmer weather on our doorstep, and bushfire devastation still fresh in our memories, now is the time for all Australians to consider their fire preparation strategy. The National Seasonal Bushfire Outlook has been released for 2016 – and ‘above normal’ threats are predicted in Victoria, NSW, QLD and WA… with Principal Climate Research Analyst Bruce Buckley acknowledging that…
The owner- driver subcontracting business model has become a major feature of the Australian transport sector. Drivers of trucks and courier vehicles are often now in effect small businessmen, whose major tangible asset is their vehicle. Protecting your livelihood means protecting your vehicle. Sadly, many standard insurance packages leave owner-drivers short- changed when it comes to replacing a vehicle damaged…
Electricians don’t usually need reminding that their work has inherent hazards and that they need insurance. But how much insurance, and for what risks? The answer will vary from tradesman to tradesman, depending on the structure of their business and the work they undertake. The States, too, have different statutory requirements. Your insurance broker will help you assess your business…
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