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# GSK Insurance Brokers

## Sitemaps
[XML Sitemap](https://gskinsurance.com.au/sitemap_index.xml): Includes all crawlable and indexable pages.

## Posts
- [Why Courier Insurance Claims Get Denied (And How To Avoid It)](https://gskinsurance.com.au/blog/what-actually-happens-if-you-have-an-accident-as-a-courier-2/): Most courier work runs without issue. Pickups, drop-offs and deliveries all move as expected, and insurance sits in the background as something you hopefully never need to think about.
- [What Actually Happens If You Have an Accident as a Courier?](https://gskinsurance.com.au/blog/what-actually-happens-if-you-have-an-accident-as-a-courier/): You're moving through your usual run, working through deliveries and keeping to your schedule, when something changes. Traffic slows suddenly, another driver makes an unexpected move, or a turn doesn't go as planned.
- [Who’s Responsible When Goods Are Damaged Or Lost In Transit?](https://gskinsurance.com.au/blog/who-is-responsible-for-goods-damaged-in-transit/): A delivery goes out as planned, and nothing seems out of the ordinary. The parcel is collected, transported and dropped off like any other job. Then later, there’s a problem. A customer reports damage. An item is missing, or a delivery is questioned after the fact.
- [Courier Insurance Explained: What You Actually Need (And What Most Drivers Miss)](https://gskinsurance.com.au/blog/do-i-need-courier-insurance/): If you’re a courier driver, you’ve probably asked the question: ‘Do I actually need courier insurance, or is it just another cost?’ It’s a fair question. Especially when you’re trying to keep expenses under control. So let’s work out what you need.
- [Insurance for Delivery Drivers in Australia: What You Need to Be Properly Covered](https://gskinsurance.com.au/blog/insurance-for-delivery-drivers-australia/): Quick takeaways
- [What Does Goods in Transit Insurance Cover?](https://gskinsurance.com.au/blog/what-does-goods-in-transit-insurance-cover/): When something goes wrong, many operators find themselves asking the same question: What does goods in transit insurance actually cover?
- [Courier Fleet Insurance: What Changes When You Insure Multiple Vehicles?](https://gskinsurance.com.au/blog/owner-driver-insurance-falls-short-true-value-2/): With courier fleet insurance, however, it’s usually easier to:
- [Motorcycle Courier Insurance: What Delivery Riders Need to Know](https://gskinsurance.com.au/blog/owner-driver-insurance-falls-short-true-value-2/): But you don’t have to figure it out on your own. We’re here to help you understand what motorcycle courier insurance actually covers, where common gaps appear, and what to consider to protect both your bike and your income.
- [Why Owner-Driver Insurance Often Fails to Deliver True Value](https://gskinsurance.com.au/blog/owner-driver-insurance-falls-short-true-value/): Yet many drivers rely on owner-driver insurance that’s built around market value, generic assumptions and minimal downtime support. On paper, the policy typically looks fine. In reality, though, it often fails when you need it most.
- [Is a courier franchise profitable? A look at the numbers](https://gskinsurance.com.au/blog/is-a-courier-franchise-profitable/): Becoming a courier franchise owner can feel like a big professional step, especially if you’re used to being on the road and not running the numbers behind a business. A courier franchise can offer more predictable access to work compared to going fully independent and outstanding brand support. But there’s one major question that matters more than almost anything else before you commit: Is a courier franchise profitable once you’re actually on the road?
- [How to become an owner-driver courier](https://gskinsurance.com.au/blog/how-to-become-an-owner-driver-courier/): For anyone researching how to become an owner driver courier, we’ve created this guide to give you direction and support your journey into self-employment.
- [4 Policies You Should Be Including in Your Courier Insurance in 2025](https://gskinsurance.com.au/blog/4-policies-always-include-couriers-insurance/): Managing your own courier business isn’t as straightforward as it used to be. From busier delivery schedules and longer regional routes to evolving contract rules and higher customer expectations, there’s more to manage — and more risk — than ever before.
- [How to Deal with the Unexpected as a Courier in 2025](https://gskinsurance.com.au/blog/how-to-deal-with-the-unexpected-as-a-courier/): But when technology fails, delays happen fast and frustration follows. This is one of the many problems that courier businesses face on a daily basis. Here’s how you can respond:
- [6 Essential Cargo Theft Prevention Tips for Couriers in 2025](https://gskinsurance.com.au/blog/6-cargo-theft-prevention-tips-for-couriers/): To get you started, we’ve outlined six essential tips that will make cargo theft prevention part of your everyday routine.
- [How New Technology Is Reshaping the Courier Industry in 2025](https://gskinsurance.com.au/blog/new-technology-shaping-the-courier-industry/): Step into the courier industry in 2025 and you’ll notice just how much has changed in only a few years. Jobs are no longer managed with clipboards and phone calls. Instead, automation assigns deliveries in seconds, customers watch their parcels move across live maps, and electric vans are becoming a familiar sight on city streets.
- [How Much Does It Cost To Start a Courier Business in 2025?](https://gskinsurance.com.au/blog/how-much-does-it-cost-to-start-a-courier-business/): But before you kickstart your journey, you’ll want to know how much does it cost to start a courier business, and what kind of expenses to expect upfront. From vehicle setup and insurance to registration and marketing, we will explore everything you need to know to help you plan confidently and get your business off to a great start.
- [How To Start A Courier Business In Australia](https://gskinsurance.com.au/blog/how-to-start-a-courier-business-in-australia/): If you’ve been wondering how to start a courier business in Australia, this guide will walk you through every essential step. From choosing the right niche to getting your legal setup sorted and protecting yourself with the right insurance, we’ll help you map a successful journey from day one.
- [What to Do After a Motor Vehicle Accident on the Job (For Delivery Drivers and Couriers)](https://gskinsurance.com.au/blog/what-to-do-after-a-motor-vehicle-accident/): It’s a situation no courier wants to be in. But knowing exactly what to do after a motor vehicle accident can make a meaningful difference, not just for your safety, but for your claim, and your peace of mind.
- [How to Grow Your Courier Business in 2025: 7 Proven Strategies](https://gskinsurance.com.au/blog/how-to-grow-your-courier-business/): Your fleet is one of your biggest operational costs, so managing it well is key to staying reliable, cutting costs and supporting long-term growth. If you’re looking for practical strategies on how to grow your courier business, having a smart fleet management plan is one of the most effective places to start.
- [How Long Do Insurance Claims Take? What You Need To Know](https://gskinsurance.com.au/blog/how-long-can-insurance-claims-take/): Timelines can feel unpredictable, and every day a vehicle sits in the shop, or a customer waits for compensation costs your business real money. That uncertainty fuels one of the most common questions we hear: ‘How long can insurance claims take?’
- [Understanding The Different Types Of Courier Services](https://gskinsurance.com.au/blog/understanding-the-different-types-of-courier-services/): When it comes to delivering goods, choosing the right courier service can be a major advantage for your business. Whether you're sending essential supplies, high-value items or last-minute orders, the right courier can make all the difference in keeping your customers happy and your operations on track.
- [Health Insurance vs. Personal Accident Insurance: What’s the Difference?](https://gskinsurance.com.au/blog/health-insurance-vs-personal-accident-insurance/): As a courier, your work is active, fast-paced, and physically demanding. Whether you're delivering on two wheels or four, you’re constantly navigating traffic, managing tight schedules, and handling parcels. In a job like yours, staying healthy and injury-free is not just important, it’s essential for your livelihood.
- [Goods Damaged in Transit: How to Protect Yourself as a Courier](https://gskinsurance.com.au/blog/why-you-need-insurance-for-goods-damaged-in-transit/): That’s why, if you’re a courier, it’s vital to know where your responsibilities begin and end—and how to protect yourself when things go sideways. Today, we will break down who is responsible for goods damaged in transit, explain how you can protect yourself from risk, and explore the value of courier’s insurance.
- [What Income Protection Insurance Won’t Cover as an Independent Courier](https://gskinsurance.com.au/blog/what-income-protection-does-not-cover-independent-courier/): Keep reading for a full breakdown of what income protection does not cover, why those gaps matter for independent couriers, and how you can ensure you’ve got the right level of protection in place.
- [Everything You Need to Know About Personal Accident and Sickness Insurance](https://gskinsurance.com.au/blog/what-is-personal-accident-sickness-insurance/): Around 1 in 3 Australians will experience a disability or injury that stops them from working at some point in their lives. For couriers and delivery drivers, who spend long hours on the road and rely on their physical ability to do their jobs, the risk is even greater.
- [Understanding Courier Driver Duties and Responsibilities](https://gskinsurance.com.au/blog/courier-driver-duties-and-responsibilities/): If you’re considering becoming a courier driver, you might think the job is just about dropping off parcels—but there’s much more to it than that. Couriers are skilled professionals who navigate traffic, manage logistics, and provide great customer service, all while ensuring deliveries arrive safely and on time. Let’s take a closer look at what actually are courier driver duties and responsibilities and what skills you need to be successful in your business.
- [Product Liability Insurance vs Public Liability Insurance: What’s the Difference?](https://gskinsurance.com.au/blog/product-liability-insurance-vs-public-liability-insurance/): Running a courier business is rewarding, but it also comes with its fair share of risks. From accidental injuries to damaged goods, unforeseen incidents can lead to significant financial losses. That’s why having the right insurance coverage is essential for protecting your business and livelihood.
- [How to Reduce Workers Compensation Costs](https://gskinsurance.com.au/blog/how-to-reduce-workers-compensation-costs/): Workers compensation insurance is important for protecting both employees and employers, covering medical expenses and lost wages due to workplace injuries. However, the financial impact of workers’ compensation costs can be significant for small businesses, affecting their bottomline.
- [Why is Safety Training Important in the Workplace?](https://gskinsurance.com.au/blog/why-is-safety-training-important-in-the-workplace/): Safety training may not be the most glamorous prospect, but when you consider the substantial benefits that it brings to both individuals and organisations, its importance comes into sharp focus.
- [Integrating WHS with Business Continuity Planning](https://gskinsurance.com.au/blog/integrating-whs-with-business-continuity-planning/): In today’s fast-paced business environment, companies face a range of challenges that can disrupt operations, from cyber-attacks to workplace accidents and supply chain disruptions. These growing challenges have made it crucial for businesses to combine excellent Workplace Health and Safety (WHS) practices with business continuity planning to safeguard them from potential disruptions. But what exactly is a business continuity plan? And how can integrating it with Workplace Health and Safety insurance create a more robust and resilient business strategy?
- [Who is Responsible for Safety in the Workplace?](https://gskinsurance.com.au/blog/who-is-responsible-for-workplace-safety/): Imagine a workplace where everyone feels secure, productivity thrives, and accidents are rare. This ideal environment results from rigorous attention to workplace safety, which protects employees and benefits employers through reduced downtime and enhanced morale. Ensuring workplace safety is a collective effort, with responsibilities shared among employers, employees, and other stakeholders. So, when asking the question, "Who is responsible for safety in the workplace?" it’s clear that the answer involves multiple parties working together to create and maintain a safe working environment.
- [Do Sole Traders Need Workers Compensation Insurance?](https://gskinsurance.com.au/blog/do-sole-traders-need-workers-compensation/): We've covered the importance of personal accident, income protection, and public liability insurance, showing how these can protect you in various scenarios. Now, take a moment to consider your own insurance needs. Are you fully covered? Reach out to GSK Insurance for personalised advice and a quote. Protecting yourself and your business not only ensures peace of mind but also sets you up for long-term success. Don't wait—secure your future today with GSK Insurance.
- [What Insurance Do I Need For My Small Business?](https://gskinsurance.com.au/blog/business-continuity-plan-for-small-businesses/): General Liability Insurance covers claims related to bodily injuries and property damage involving your customers or other third parties. This insurance is crucial as it protects against the financial burden of lawsuits, including medical expenses and legal fees, ensuring your business can survive these potential setbacks.
- [What is a business continuity plan for small businesses?](https://gskinsurance.com.au/blog/what-is-a-business-continuity-plan-for-small-businesses/): In today's dynamic business environment, small businesses face numerous challenges that can disrupt operations and impact sustainability. Preparedness and resilience are more than just buzzwords; they are essential strategies that can determine the long-term success and survival of a business. This brings us to an important question: What is a business continuity plan? Understanding and implementing a business continuity plan is crucial for small businesses to navigate through disruptions smoothly and maintain their operations under adverse conditions.
- [Do I need workers compensation insurance?](https://gskinsurance.com.au/blog/do-i-need-workers-compensation-insurance/): When running a business, safeguarding your employees and your financial stability should be a top priority. This raises an important question many business owners find themselves asking: Do I need workers' compensation insurance? Understanding the role and necessity of workers' compensation insurance is crucial not only for legal compliance but also for maintaining a supportive workplace environment.
- [Do I Need Workers Compensation for My Small Business?](https://gskinsurance.com.au/blog/how-workers-compensation-insurance-could-save-your-small-business/): As a small business owner, ensuring a safe working environment is paramount. Despite rigorous safety measures, accidents can happen, which highlights the question, do I need insurance for workers compensation for my small business? The short and sweet answer – absolutely! This insurance is crucial not only for compliance with legal requirements but also for financial protection against workplace injuries.
- [Is professional indemnity the same as public liability?](https://gskinsurance.com.au/blog/professional-indemnity-insurance-vs-public-liability-insurance/): In the intricate landscape of business insurance, distinguishing between professional indemnity and public liability insurance is crucial for every business owner. A lot of people think that these policies essentially cover the same thing but in reality, they are very different.
- [Do I need insurance for my small business?](https://gskinsurance.com.au/blog/do-i-need-insurance-for-my-small-business/): The type of insurance cover you need will depend on your business and the unique risks it faces. That said, here are some standard essential types of insurance you should have as a small business owner in WA.
- [Carrier liability vs cargo insurance: what’s the difference?](https://gskinsurance.com.au/blog/carrier-liability-vs-cargo-insurance-whats-the-difference/): Carrier liability insurance is designed to provide comprehensive protection for those in the transportation industry, safeguarding against a wide range of risks and liabilities. Key aspects include:
- [How to prevent workplace injuries: strategies for a safer work environment](https://gskinsurance.com.au/blog/how-to-prevent-workplace-injuries/): Here are some of our top tips on how to prevent workplace injuries. 
- [What are the ‘Fatal Five’ in road safety?](https://gskinsurance.com.au/blog/what-are-the-fatal-five-in-road-safety/): According to the World Health Organisation, road accidents claim approximately 1.35 million lives each year. 
- [What’s business interruption insurance all about?](https://gskinsurance.com.au/blog/whats-business-interruption-insurance/): Business interruption insurance plays a pivotal role in safeguarding your business against financial losses when unexpected events cause a halt or significant disruption in your operations.
- [What insurance do I need for a tech start-up?](https://gskinsurance.com.au/blog/insurance-tech-startup-need-know/): Navigating the high-paced, innovative world of tech start-ups brings its share of exhilaration and, undeniably, unique risks.
- [Why is workplace safety important?](https://gskinsurance.com.au/blog/why-is-workplace-safety-important/): Why is workplace safety important? It safeguards and enhances our most valuable asset: our people. It goes beyond mere physical safeguards against accidents and injuries; it's about creating an environment that fosters the mental well-being of employees and minimises health risks.
- [How To manage logistics risks](https://gskinsurance.com.au/blog/how-to-manage-logistics-risks/): The logistics sector is crucial for moving goods efficiently across borders, and managing risk is paramount to ensuring operational success and reliability. From physical damage during transport to cyber threats and regulatory compliance issues, there's a lot to think about when managing these risks and protecting your business.
- [What is motor fleet insurance & what are the benefits?](https://gskinsurance.com.au/blog/the-benefits-of-motor-fleet-insurance/): One of the major benefits of motor fleet insurance is that it tends to be much more cost-effective. Instead of having to pay multiple premiums on multiple different policies, a fleet policy will generally offer impressive savings due to the fact that you have multiple vehicles on the one policy, so the associated risks are averaged out. This means that choosing fleet cover can ultimately have a positive impact on your budget.
- [Safe driving tips for truck drivers to keep you safe & sound](https://gskinsurance.com.au/safe-driving-tips-for-truck-drivers/): If you're a truck driver or a logistics manager, you know that road safety is paramount. Trucks and heavy vehicles are an integral backbone of commerce, yet pose significant risk in the event of an accident. With an alarming number of road incidents involving heavy vehicles each year, it's important to be across safe driving tips for truck drivers.
- [What does cargo insurance cover?](https://gskinsurance.com.au/blog/what-does-cargo-insurance-cover/): But what does cargo insurance cover? You're not alone in asking this. It can be difficult to know what you need in your policy and how to secure the right coverage for your needs. Luckily, insurance is our forte. Let's break down exactly what cargo insurance covers and how to ensure you are protected.
- [What sole traders need to know about public liability insurance](https://gskinsurance.com.au/blog/public-liability-insurance-sole-traders-need-know/): Public liability insurance for sole traders isn't just an option; it's a necessity.
- [What is risk management in insurance and what is an insurance broker’s role?](https://gskinsurance.com.au/blog/what-is-risk-management-in-insurance/): Understanding risk management in the world of insurance is crucial, whether you're an individual seeking to safeguard your assets or a business owner looking to protect your enterprise.
- [The role of couriers in supply chain management](https://gskinsurance.com.au/blog/the-role-of-couriers-in-supply-chain-management/): That's the role of couriers in supply chain management.
- [The digital revolution: how insurance technology is transforming the industry](https://gskinsurance.com.au/blog/how-insurance-technology-is-transforming-the-industry/): When it comes to insurance technology, we're currently in the midst of a sweeping digital transformation that's redefining the insurance sector.
- [The next frontier – what’s the future of the insurance industry?](https://gskinsurance.com.au/blog/the-next-frontier-whats-the-future-of-the-insurance-industry/): The future of insurance will be powered by an incredible wealth of high-quality data, unlocking new possibilities for personalised coverage.
- [Staying on track: how often should a financial plan be reviewed?](https://gskinsurance.com.au/blog/how-often-should-a-financial-plan-be-reviewed/): A good financial plan is essential to make sure you're on the way to your long-term goals. But how often should a financial plan be reviewed?
- [The best courier delivery apps in Australia](https://gskinsurance.com.au/blog/best-courier-route-planner-app/): Now that you have the best courier route planner app to streamline your deliveries, it’s time to ensure your business is properly protected. At GSK Insurance Brokers, we offer tailored courier insurance options to meet the unique needs of your delivery operations.
- [What is on-demand delivery and what does it mean for couriers?](https://gskinsurance.com.au/blog/what-is-on-demand-delivery-and-what-does-it-mean-for-couriers/): On-demand delivery services are quickly becoming a staple in today's fast-paced world. These services have gained traction among consumers for their convenience and ability to cater to their ever-changing needs.
- [How to handle difficult customers as a courier](https://gskinsurance.com.au/blog/how-to-handle-difficult-customers-as-a-courier/): As a courier, it is important to know how to handle difficult customers to protect your business and ideally to win them over.
- [The art of delivery: mastering essential courier skills](https://gskinsurance.com.au/blog/the-art-of-delivery-mastering-essential-courier-skills/): The Australian courier industry is expanding, and with low entry requirements, it's no wonder many individuals have embarked on their delivery journeys. Although starting a courier career is accessible to most, it's crucial to master a few essential courier skills to truly thrive in the field. So, whether you're a newcomer or a seasoned courier, focusing on these core competencies and perfecting the art of delivery can elevate your work to new heights.
- [Ecommerce logistics – how online shopping is changing the game](https://gskinsurance.com.au/blog/ecommerce-logistics-how-online-shopping-is-changing-the-game/): To stay ahead in the game, companies must continually seek to gain a competitive advantage through strategic innovation and smart ecommerce logistics.
- [How to become an independent courier – the rundown](https://gskinsurance.com.au/blog/how-to-become-an-independent-courier-the-rundown/): An independent courier offers delivery services like other couriers, specifically picking up and dropping off goods for customers. The difference is that an independent courier is not an employee of someone else's courier company or an in-house driver for a business. An independent courier is a courier who runs their own courier business. In Australia this usually means they will operate as a sole trader.
- [Ransomware attacks on small businesses – how can you prepare?](https://gskinsurance.com.au/blog/ransomware-attacks-on-small-businesses-how-can-you-prepare/): Ransomware attacks, where hackers take control of your data and systems and demand a ransom, are surging in Australia. Although the ransomware attacks that make the news headlines are those affecting major brands, small businesses are also suffering under the onslaught. Ransomware attacks on small businesses often succeed because these businesses often don't know the risks and are ill-prepared to handle them. Read on to see the steps you can take to prepare your small business to defend against ransomware attacks.
- [Is freight insurance worth it?](https://gskinsurance.com.au/blog/is-freight-insurance-worth-it/): More than at any other time in history we are sending and receiving goods through freight services. At the same time, more than ever before items are being damaged, stolen, lost, misdelivered and delayed during transport. This waste presents a large financial burden on the industry, and that's why freight insurance exists. Freight insurance isn't free however so the sender, transporter and receiver need to consider: is freight insurance worth it? This article will explain what freight insurance is and why it is important to help you make that decision.
- [Navigating the house building boom – why trades need insurance](https://gskinsurance.com.au/blog/insurance-for-tradesmen/): Just about every trade involves entering onto someone else's property, interacting with the public, operating machinery, performing a service or supplying a product. Each of these activities contains a range of risks that could leave you as a tradesman liable for damage or injury, or suffer injury or loss yourself. When these unfortunate events occur, the financial liability and cost to you could be overwhelming, especially if legal or medical expenses come into it. That's why insurance for tradesmen is essential. See below for a breakdown of some of the risks that specific types of trades face.
- [Financial planning for retirement: how to make your money last](https://gskinsurance.com.au/blog/financial-planning-for-retirement-how-to-make-your-money-last/): Retirement is inevitable, but a fulfilling retirement takes planning. Embrace your golden years by mastering financial planning for retirement and designing the lifestyle you've always dreamed of. Start your journey to a successful retirement today, no matter what your aspirations may be.
- [Being a sole trader courier: challenges and rewards](https://gskinsurance.com.au/blog/being-a-sole-trader-courier-challenges-and-rewards/): As the delivery and courier industry experiences unstoppable growth, more individuals are joining the ranks of independent or sole trader couriers. If you're considering this path or seeking success as a courier, prepare to face challenges and seize the rewards.
- [Guide to commercial car insurance for delivery drivers](https://gskinsurance.com.au/blog/guide-to-commercial-car-insurance-for-delivery-drivers/): Are you a delivery driver who knows the ins and outs of delivering packages on time and with care? Then you also know that your delivery vehicle is the backbone of your business. It's your trusty sidekick that helps you conquer your daily routes and satisfy your customers. But here's the catch: did you know that relying on private car insurance won't cut it when you're using your vehicle for work purposes? You need to upgrade to commercial car insurance to protect yourself and your precious cargo.
- [Navigating the world of insurance: broker vs direct](https://gskinsurance.com.au/blog/broker-vs-direct-insurance/): When it comes to safeguarding your precious assets, there are two paths you can take to get insured. The first is the direct route, where you connect with an insurance company yourself to arrange coverage. The second is enlisting the services of an insurance broker, who'll scout the market to find you the best possible coverage. Broker vs direct insurance – which is the better option for you? Read on to discover the distinctions between the two and choose the best fit for your needs.
- [Should you buy or lease a van as a courier?](https://gskinsurance.com.au/blog/should-i-buy-or-lease-a-van/): The courier's van is at the very centre of their business. Not only does it perform the essential task of moving goods from sender to receiver but it represents a large cost for the courier business. That cost needs to be wisely handled in order to make the courier business successful. As such, every courier asks themselves, "Should I buy or lease a van?" This article will guide you in choosing the best option by laying out the advantages and disadvantages of each.
- [Freelancing and insurance – protecting your business and your future](https://gskinsurance.com.au/blog/freelancing-and-insurance-protecting-your-business-and-your-future/): Have you ever dreamed of working on your own terms, doing what you love, and being your own boss? Freelance work can make that dream a reality! But before you dive into the exciting world of freelancing, there's an important factor you need to consider: insurance. As a freelancer, the risks and liabilities of your work fall squarely on your shoulders, so having the right insurance is crucial for protecting your business and securing your future. Don't let unexpected mishaps or accidents derail your freelance career - make sure you have adequate insurance coverage to keep your business running smoothly!
- [The role of your insurance broker in the claims process](https://gskinsurance.com.au/blog/the-role-of-your-insurance-broker-in-the-claims-process/): Insurance brokers are very helpful at all stages of the insurance process and that includes when it comes time to make a claim. The broker is an insurance expert who works on your behalf. What exactly does an insurance broker do during the claims process to help you? Read below to find out.
- [How to Work as a Courier With Your Own Car](https://gskinsurance.com.au/blog/how-to-work-as-a-courier-with-your-own-car/): The steady and rapid growth of courier services has made people interested in entering the industry at the ground level. Happily, this is doable with the right strategy and does not need to involve a high initial investment. If you have a car, then you already have the most important piece of equipment. This article is about how to work as a courier with your own car, i.e., an independent courier.
- [The Best Van for Courier Work in Australia](https://gskinsurance.com.au/blog/best-van-for-courier-work-in-australia/): No vehicle could be the best van for courier work in Australia without a spacious and functional cargo bay. Every van will have a different sized and different shaped cargo bay. Compare the sizes of different vans. Check the weight limit, this will also vary from van to van. How many tie-down points are there? Are they positioned in good locations? Open up the doors to the cargo bay and consider how easy it will be to load and unload. If it’s desirable for your business, consider if forklifts could load pallets into the cargo bay easily. Consider also if you need a tail lift for your work. Is the cargo bay floor surface suitable for your business, whether you want grip or slip?
- [What makes a reliable courier service?](https://gskinsurance.com.au/blog/reliable-courier-service/): When a business is sending a parcel through a courier service, there is a strong element of trust involved and there is a lot on the line. The list of things that could go wrong along the way ranges from confidentiality leaks to lost parcels and these can cause harm to the sender and to the receiver. Understandably, everyone using a courier service will need to be able to distinguish between a reliable courier service and a less trustworthy one.
- [How To Make An Insurance Claim](https://gskinsurance.com.au/blog/how-to-make-insurance-claim/): When something unexpected happens, your insurance policy may be the first thing you turn to for help. Filing a claim can be stressful, but it's important to do so as quickly as possible to get the process started. But understanding how to make an insurance claim can be tricky if it’s not something you’ve done before.
- [Risk Management Strategies for Small Businesses](https://gskinsurance.com.au/risk-management-strategies-for-small-businesses/): At GSK Insurance, we understand the risks and rewards small businesses face. We’ve compiled a list of top risk management strategies to help reduce business risks and ensure your business’s continued success. 
- [The risks of being a property owner – and how to ensure you’re covered](https://gskinsurance.com.au/blog/the-risks-of-being-a-property-owner-and-how-to-ensure-youre-covered/): Property owners insurance and property owners liability insurance can help protect you against a whole host of potential risks you face as a property owner. But what is property owners liability insurance? 
- [Construction site hazards and how to avoid them](https://gskinsurance.com.au/blog/construction-site-hazards-and-how-to-avoid-them/): There are some steps construction sites and workers can take to reduce the risks of common hazards on building sites, and minimise the incidents leading to injury. Here are some of the common construction site hazards, ways to avoid them, and information on why specialised building and construction insurance is so important. 
- [An Interview With GSK’s Jeff Booth, Winner of NIBA WA Broker Awards 2021](https://gskinsurance.com.au/blog/an-interview-with-gsks-jeff-booth-winner-of-niba-wa-broker-awards-2021/): GSK Insurance Brokers is celebrating our very own Jeff Booth, recently announced as the winner of the National Insurance Brokers Association’s (NIBA) Broker of the Year Award for Western Australia.
- [How can your business benefit from premium funding?](https://gskinsurance.com.au/blog/premium-funding-benefits/): With one-third of commercial insurance premiums in Australia now being funded, it’s clear that the importance of premium funding is growing. Insurance is an obligatory and necessary part of running a business, but the often large costs involved can sometimes cause financial stress. 
- [Personal insurance premiums have increased – have you considered these factors?](https://gskinsurance.com.au/blog/private-health-increases/): As of the beginning of April 2021, private health insurance premiums have increased - the second hike in 6 months for some insurers. In general, premiums rise once annually, but the increase was postponed until October last year due to COVID-19. This new increase as of April makes private hospital cover more expensive for Australians, coupled with a decrease in the health insurance rebate. However, it’s actually one of the lowest increases in premiums we have seen in the last decade. 
- [What is the value of financial advice? It’s more important than you think](https://gskinsurance.com.au/blog/benefits-financial-advice-perth/): Financial planning and advice from a professional can benefit your financial position in more ways than one. Here are a few financial advice benefits.
- [GSK reaches 40-year milestone (Source: businessnews.com.au)](https://gskinsurance.com.au/blog/gsk-reaches-40-year-milestone/): As GSK Insurance Brokers celebrates its 40th anniversary, founder and managing director Graham Knight says a strong client-first focus has been key to sustainable success.
- [GSK celebrates 40 years in the industry (Source: Insurance Business Australia)](https://gskinsurance.com.au/blog/gsk-celebrates-40-years-in-the-industry/): GSK Insurance Brokers (GSK) is now officially celebrating its 40th anniversary of providing insurance, risk management, claims advocacy, and workers’ compensation advice to individuals and businesses in Australia.
- [GSK Insurance Brokers celebrates 40-year milestone (Source: insuranceNEWS.com.au)](https://gskinsurance.com.au/blog/gsk-insurance-brokers-celebrates-40-year-milestone/): WA’s GSK Insurance Brokers is celebrating 40 years of providing advice on insurance, risk management, claims advocacy and workers’ compensation to businesses and individuals across Australia.
- [GSK Insurance Brokers Celebrates its 40th Anniversary](https://gskinsurance.com.au/blog/gsk-insurance-brokers-celebrates-its-40th-anniversary/): A proudly West Australian owned and operated business GSK Insurance Brokers are celebrating its 40th anniversary of providing insurance, risk management, claims advocacy and workers’ compensation related advice to businesses and individuals across Australia.
- [Risk management tips for child-care centre owners](https://gskinsurance.com.au/blog/child-care-risk-management/): As with any business, when you are running a child-care centre it’s vital to have a careful risk management plan in place to cover yourself, your business and your assets. It can be confusing to make sense of the different kinds of insurance and what they all mean, and to understand what you need to do as the owner of a day-care centre in terms of liability, risk management and insurance policies. Speak to your GSK Insurance broker about the things to consider when outlining your risk management protocols. Here are some tips to get you started.
- [Construction Insurance Market Update 2021](https://gskinsurance.com.au/blog/construction-insurance-2021/): The construction insurance market in Australia is changing in 2021, with some insurers leaving the market, resulting in an increase in pricing, rising excess levels, and more restrictions placed on policies and claims. In addition, COVID-19 has had an impact on the construction industry and related losses. New and changing reforms around Mandatory Insurance for those in the construction industry are worth noting, and may affect the market even further. Global and local market losses have been observed by insurers that provide cover to the construction industry, and in some cases these large-scale project failures are leading insurance providers to question their long-term suitability to serve insurance to the industry. Likewise, an increase in natural disasters and related losses has seen the premiums of insurance increase. In order to combat the changes to the construction insurance market in Australia, it’s important to understand the shifts in the industry, and work closely with your GSK Insurance broker to find the correct level, and provider, of construction insurance for you.
- [What does the Travel Insurance Market look like in 2021?](https://gskinsurance.com.au/blog/what-does-the-travel-insurance-market-look-like-in-2021/): The year 2020 was one of unprecedented circumstances in every aspect of life around the globe, and one that forced each industry to adapt. As we continue to move forward in the COVID-19 world, as restrictions and border closures are eased and then reinforced, the importance and role of travel insurance is ever-evolving. After a massive decline in growth in 2020, the travel insurance market is adapting to the requirements of consumers in the current COVID-19 climate. Travel insurance providers are leaning towards a previously unheard of level of transparency in regards to what their policies cover, as well as providing extra flexibility and extra cover against cancellations. As we move forward in 2021 and indeed as the world tries to recover from COVID-19 and international travel picks up again in 2022 and onwards, the travel insurance market will likely continue to adapt and provide peace of mind for consumers against COVID-19 related claims and cancellations. 
- [The state of the Cyber Insurance market in Australia](https://gskinsurance.com.au/blog/cyber-insurance-australia/): As the world continues to become more digitalised, with remote working becoming a new norm, and the cyber market ever-evolving, the threat of cyber attacks continues to rise. As a business or organisation, a cyber attack can have massive ramifications, both financially and otherwise. Disruption to business, loss of customers, tarnishing of reputation, and the large amount of time and resources to recover can effectively ruin a business. The cyber insurance market in Australia continues to grow, and many businesses are understanding just how vital a cyber insurance policy is in their risk management planning. While many organisations still rely on ‘silent cyber’ coverage, as the cyber market continues to evolve the need for a specifically tailored cyber insurance policy grows. 
- [Which region in Australia has the highest insurance premiums?](https://gskinsurance.com.au/blog/most-expensive-insurance-australia/): The ACCC acknowledged that there are legitimate reasons for insurance providers charging higher premiums in northern Australia. Severe weather events are more likely to occur in the northern part of the nation, which can be costly for insurance companies to cover. Likewise, in some cases insurance isn’t as readily available in northern Australia as other regions, meaning there may not be the possibility of comparing various insurance policies for the best deal as is often the case in other parts of the country. Insurance coverage for remote areas is more costly to the insurance provider, hence their higher premiums. 
- [Key Risks Supermarkets Should Be Aware of in 2023](https://gskinsurance.com.au/blog/key-risks-supermarkets-should-be-aware-of-in-2023/): From industry giants to small local businesses, the Australian supermarket and grocery industry is highly competitive with a total market value of over $100 billion. There are a number of risks faced by supermarkets and, no matter how careful you are with your safety practices, something could go wrong saddling your business with a heavy financial burden. Supermarket insurance forms an essential part of your risk management strategy and ensures that your risk exposures are covered financially in the event of the unexpected. Today, we take a closer look at the risks that Australian supermarkets need to be aware of in the current state of the industry.
- [Who is responsible for damages to goods in transit?](https://gskinsurance.com.au/blog/damages-goods-in-transit/): Even before there were business contracts as we know them now, the question of ‘who is responsible for the damage?’ regarding goods in transit was a well contested one. There are various factors that determine where liability falls in the event of damage or loss of goods in transit. Contractual obligations, determining when the goods officially change possession between buyer and seller (and private carrier, if required), as well as possible negligence and the understanding of common law are all factors to consider. In order to mitigate potential losses from damage of goods during transit, it is important to ensure you have a comprehensive transport insurance policy in place, and all involved parties are aware of their responsibilities during the transit of the goods. 
- [How Cyber Insurance will help protect your business against ransomware](https://gskinsurance.com.au/blog/cyber-insurance-ransomware/): The prevalence of cyber attacks against businesses is only growing, and with it, the importance of cyber insurance is increasing. A cyber threat to a business can not only halt operations, lead to a loss of revenue and cost the company a large sum of money to get back up and running, but it can tarnish the reputation of the business and break the trust between business and consumer. But there has been a new discussion gaining traction recently - that cyber insurance actually encourages ransomware and other cyber attacks. The arguments to this view point are flawed - as we will see - and here at GSK Insurance we aim to show you the importance and value in cyber insurance in today's digital age. 
- [Risks in the Road Freight and Transport Industry due to COVID-19](https://gskinsurance.com.au/blog/covid-risks-road-transport-industry/): The year 2020 brought many changes to the way businesses operate, both in Australia and internationally. With lockdowns, border closures, shortages of goods, and supply chain issues, each industry has found ways to work under the ‘new normal’. Road and marine freight transport have evolved - and therefore so have the risks associated with these industries. Here at GSK Insurance we believe it is vital to understand the new risks that are a result of the COVID-19 global pandemic in order to mitigate any additional hazards, and to understand what is covered by your transport insurance policy.
- [What the Workplace Health and Safety Insurance Amendments means for you, your business and your insurance](https://gskinsurance.com.au/blog/whs-insurance-amendments/): Following on from the changes to NSW Work Health and Safety Act in June 2020, Western Australia has followed suit. After receiving royal assent on 10th November 2020, a new Work Health and Safety Act (2019) has been passed in Western Australia, due to come into effect in 2021. Replacing the previous Work Health and Safety Act, the change in legislation could have ramifications for your business and insurance policy. Here at GSK Insurance Brokers, we aim to ensure you understand the amendments to the Act, how it may affect your business and business insurance, and what you need to do to ensure you are covered. 
- [The Market Has Shifted for Cyber Security Insurance – What the Forecast Means for You](https://gskinsurance.com.au/blog/the-market-has-shifted-for-cyber-security-insurance-what-the-forecast-means-for-you/): In an increasingly digital age, it should come as no surprise that cyber insurance has become an important consideration for the business community. This is particularly relevant in the current business climate with the increased cyber risks which have come from Covid-19 as the global pandemic has seen an increase in people working from home, a reliance on cloud based software and a surge in online retail practices. These new challenges have left businesses exposed to cyber-attack which has the potential to have a significant financial impact on businesses of all sizes. With this in mind, it’s become increasingly important for organisations to consider having separate cyber insurance cover for ongoing peace of mind.
- [What Covid-19 Has Meant For the Cyber Security Landscape (And What You Need to Do About It)](https://gskinsurance.com.au/blog/what-covid-19-has-meant-for-the-cyber-security-landscape/): Covid-19 has had a significant impact on the business landscape and there have been ongoing implications regarding the emerging need to create working from home capabilities. Across business, the priority must be for businesses to take appropriate measures to ensure a secure environment. While Covid-19 has opened up new opportunities for businesses to become creative with working arrangements, it’s also meant more cyber risks as criminals find vulnerabilities which can be exploited.
- [The 6 Biggest Threats to Retail Businesses in 2021](https://gskinsurance.com.au/blog/the-6-biggest-threats-to-retail-businesses-in-2020/): Retail businesses play an important role in the Australian economy and this industry is worth over $300 billion. Here at GSK Insurance Brokers, we provide retail insurance to a range of businesses across Australia and we understand the unique risk that your sector faces on a daily basis. Today, we look at some of the most common threats to retail and what you can do to protect your business.
- [Which Tradesmen Should Consider Public Liability Insurance ](https://gskinsurance.com.au/blog/which-tradesmen-should-consider-public-liability-insurance/): Tradesmen are often self-employed which means you’re responsible for arranging your own insurance cover. While there may be a number of forms of insurance cover which apply to your work, one of the most important policies for you to consider is public liability insurance. Today, we take a closer look at which tradesmen should consider public liability insurance and what you can expect from this form of cover.
- [What Industries Need Product Liability Insurance?](https://gskinsurance.com.au/blog/what-industries-need-product-liability-insurance/): Insurance is necessary for businesses of every shape and size as it protects you financially if things go wrong. If you provide products to your customers, it’s important that you protect yourself from claims for related damages with product liability insurance. So, how do you know if this form of cover applies to you? As the experts in public and private liability insurance in Perth, we’ve seen first-hand the importance of ensuring that your business has product liability cover in a place where necessary. If you need product liability insurance, contact us to discuss your options.

## Pages
- [Sitemap](https://gskinsurance.com.au/sitemap/): PostsWhy Courier Insurance Claims Get Denied (And How To Avoid It) (June 5, 2026)What Actually Happens If You Have an Accident as a Courier? (May 29, 2026)Who’s Responsible When Goods Are Damaged Or Lost In Transit? (May 22, 2026)Courier Insurance Explained: What You Actually Need (And What Most Drivers Miss) (May 12, 2026)Insurance for Delivery Drivers in Australia: What You Need to Be Properly Covered (March 28, 2026)What Does Goods in Transit Insurance Cover? (March 17, 2026)Courier Fleet Insurance: What Changes When You Insure Multiple Vehicles? (February 23, 2026)Motorcycle Courier Insurance: What Delivery Riders Need to Know (February 9, 2026)Why Owner-Driver Insurance Often Fails to Deliver True Value (February 4, 2026)Is a courier franchise profitable? 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(April 19, 2024)Do I Need Workers Compensation for My Small Business? (April 9, 2024)Is professional indemnity the same as public liability? (March 28, 2024)Do I need insurance for my small business? (March 17, 2024)Carrier liability vs cargo insurance: what’s the difference? (March 7, 2024)How to prevent workplace injuries: strategies for a safer work environment (February 26, 2024)What are the 'Fatal Five' in road safety? (February 18, 2024)What’s business interruption insurance all about? (February 2, 2024)What insurance do I need for a tech start-up? (January 31, 2024)Why is workplace safety important? (January 17, 2024)How To manage logistics risks (January 8, 2024)What is motor fleet insurance & what are the benefits? (December 24, 2023)Safe driving tips for truck drivers to keep you safe & sound (December 15, 2023)What does cargo insurance cover? 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(March 2, 2023)Is freight insurance worth it? (March 1, 2023)Navigating the house building boom - why trades need insurance (March 1, 2023)Financial planning for retirement: how to make your money last (February 28, 2023)Being a sole trader courier: challenges and rewards (February 7, 2023)Guide to commercial car insurance for delivery drivers (January 29, 2023)Navigating the world of insurance: broker vs direct (January 28, 2023)Should you buy or lease a van as a courier? (January 17, 2023)Freelancing and insurance - protecting your business and your future (January 9, 2023)The role of your insurance broker in the claims process (December 26, 2022)How to Work as a Courier With Your Own Car (December 26, 2022)The Best Van for Courier Work in Australia (December 20, 2022)What makes a reliable courier service? (October 21, 2022)How To Make An Insurance Claim (April 15, 2022)Risk Management Strategies for Small Businesses (February 23, 2022)The risks of being a property owner - and how to ensure you’re covered (February 8, 2022)Construction site hazards and how to avoid them (January 27, 2022)An Interview With GSK’s Jeff Booth, Winner of NIBA WA Broker Awards 2021 (September 8, 2021)How can your business benefit from premium funding? (August 25, 2021)Personal insurance premiums have increased - have you considered these factors? (August 11, 2021)What is the value of financial advice? It's more important than you think (August 2, 2021)GSK reaches 40-year milestone (Source: businessnews.com.au) (June 4, 2021)GSK celebrates 40 years in the industry (Source: Insurance Business Australia) (June 4, 2021)GSK Insurance Brokers celebrates 40-year milestone (Source: insuranceNEWS.com.au) (June 3, 2021)GSK Insurance Brokers Celebrates its 40th Anniversary (June 1, 2021)Risk management tips for child-care centre owners (May 4, 2021)Construction Insurance Market Update 2021 (April 30, 2021)What does the Travel Insurance Market look like in 2021? (April 22, 2021)The state of the Cyber Insurance market in Australia (April 20, 2021)Which region in Australia has the highest insurance premiums? (April 12, 2021)Key Risks Supermarkets Should Be Aware of in 2023 (March 31, 2021)Who is responsible for damages to goods in transit? (March 30, 2021)How Cyber Insurance will help protect your business against ransomware (March 25, 2021)Risks in the Road Freight and Transport Industry due to COVID-19 (March 23, 2021)What the Workplace Health and Safety Insurance Amendments means for you, your business and your insurance (February 16, 2021)The Market Has Shifted for Cyber Security Insurance – What the Forecast Means for You (February 5, 2021)What Covid-19 Has Meant For the Cyber Security Landscape (And What You Need to Do About It) (February 2, 2021)The 6 Biggest Threats to Retail Businesses in 2021 (December 11, 2020)Which Tradesmen Should Consider Public Liability Insurance  (April 17, 2020)What Industries Need Product Liability Insurance? (April 14, 2020)What Are The Potential Cyber Risks Of Working From Home? 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(July 6, 2017)Why you should use an insurance broker (June 26, 2017)How Much Does Your Insurance Actually Cover? (Part Two) (May 11, 2017)How Much Does Your Insurance Actually Cover? (Part One) (April 19, 2017)New Laws Surrounding Data Breach Notifications (March 17, 2017)Plumbing Insurance Types - How GSK Insurance Brokers Help You (March 6, 2017)Do You Need Travel Insurance? (December 21, 2016)Are you Prepared for Fire Damage to Your Property? (December 9, 2016)Red Cross Blood Services Data Breach Serves as Cyber-Security Warning (November 18, 2016)Electricians – Assessing the Insurance Risks they Face (June 27, 2016)PagesSitemap (June 22, 2023)Graham Knight (February 9, 2023)COURIER CARE INSURANCE APPLICATION FORM (November 18, 2022)Direct Debit Request and Service Agreement (November 18, 2022)Trade Insurance (July 28, 2020)Personal Insurance (July 21, 2020)Financial Adviser & Planner Perth (July 20, 2020)Claims Centre (July 20, 2020)Business Insurance (July 13, 2020)Nursing - Professional Indemnity and Public Liability Insurance (June 24, 2019)Nursing - Personal Accident Cover (June 10, 2019)Privacy Policy (January 30, 2019)Commercial Property Insurance (January 29, 2019)Public and Product Liability Insurance Brokers (August 21, 2017)Courier Drivers (August 7, 2017)Home (August 1, 2017)About Us (August 1, 2017)Customer Service (July 31, 2017)Contact (July 31, 2017)Insights (July 31, 2017)Retail (November 22, 2016)Engineering (November 22, 2016)Investment property (November 22, 2016)Mining Insurance (November 22, 2016)Cyber Liability Insurance (November 22, 2016)Manufacturing (November 22, 2016)Professionals (November 22, 2016)Information Technology (November 22, 2016)Sports and Recreation (November 22, 2016)Hospitality and Tourism (November 22, 2016)Not for Profit (November 22, 2016)All Other Services (November 17, 2016)Trade and Services (November 17, 2016)Chauffeur Drivers (November 17, 2016)Fleet Owners (November 17, 2016)Commercial Heavy Truck Insurance (November 17, 2016)Property Owners (November 8, 2016)Farming and Agriculture (November 8, 2016)Café & Restaurant Insurance (November 8, 2016)Cleaners Insurance (November 8, 2016)Construction (November 8, 2016)Aged Care (November 8, 2016)Dentist (November 8, 2016)Doctors (November 8, 2016)Nursing Insurance (November 8, 2016)Healthcare and Medical (November 8, 2016)Pilot Drivers (October 27, 2016)Trades Quote Calculator (August 5, 2016)Blog (June 17, 2016)Terms of Use (June 8, 2016)Privacy Policy (June 8, 2016)Claims (June 8, 2016)Claim Process (June 8, 2016)Travel Insurance (June 8, 2016)Pleasurecraft (June 8, 2016)Motor (June 8, 2016)Home/Landlords (June 8, 2016)Garden and Park Services (June 8, 2016)Pharmacy Insurance (June 8, 2016)Trades Insurance (June 8, 2016)WA Pilot Vehicle Driver Association Inc (June 8, 2016)Trades Pak (June 8, 2016)Tree Loppers Insurance (June 8, 2016)Hire A Hubby Insurance (June 8, 2016)Plumbers Insurance (June 8, 2016)Lawn Mowing Insurance for Contractors (June 8, 2016)Electrical Contractors Insurance (June 8, 2016)Couriers Care Insurance (June 8, 2016)Chauffeur Drivers (June 8, 2016)Car Care (June 8, 2016)Appliance Repairers (June 8, 2016)Transport & Logistics Insurance (June 8, 2016)Workers Compensation Insurance (June 8, 2016)General Medical (June 8, 2016)Couriers Insurance (June 8, 2016)Business Insurance (June 8, 2016)SME - Small to Medium enterprise (June 8, 2016)Services to Mining (June 8, 2016)Property Owners (June 8, 2016)Construction (June 8, 2016)Corporate (June 8, 2016)Community (June 8, 2016)Strength of Steadfast Insurance Brokers (June 8, 2016)ServicesLicensed Post Office Insurance (June 23, 2025)Injury Management & Return to Work Insurance (August 1, 2024)Workplace Health and Safety Insurance (August 1, 2024)Personal Accident and Sickness Insurance (July 15, 2024)Pilot Vehicle Driver's Insurance (July 15, 2024)Transport Insurance (July 15, 2024)Workers' Compensation Insurance Australia (July 15, 2024)Small Business Insurance (July 15, 2024)Cargo Carrier Liability Insurance (April 4, 2024)Products and Public Liability Insurance (April 4, 2024)Goods in Transit Insurance (April 3, 2024)Commercial Motor Vehicle Insurance (April 3, 2024)Courier Insurance (March 8, 2023)Workplace Risk (January 31, 2023)Self Managed Superannuation (September 23, 2022)Engineers Insurance (November 19, 2020)Commercial Property Insurance (November 16, 2020)Heavy Truck Insurance (November 12, 2020)Public Liability (August 20, 2020)All Other Trades (July 28, 2020)Tree Loppers Insurance (July 28, 2020)Insurance for Lawn Mowing Business (July 28, 2020)Plumbers Insurance (July 28, 2020)Plasterers (July 28, 2020)Painters (July 28, 2020)Handyman Insurance (July 28, 2020)Electricians Insurance (July 28, 2020)Supermarkets Insurance (July 28, 2020)Retail Insurance (July 28, 2020)Cafe and Restaurant Insurance (July 28, 2020)Residential & Commercial Strata Insurance (July 28, 2020)Property Owners & Developers Insurance (July 28, 2020)Professionals & Consultants Insurance (July 28, 2020)Not For Profit Insurance (July 28, 2020)Insurance For Manufacturing Industry (July 28, 2020)Insurance for Hotels (July 28, 2020)Health and Pharmacy Insurance (July 28, 2020)Building & Construction Insurance (July 28, 2020)Agriculture & Farm Insurance (July 28, 2020)Trade Credit (July 27, 2020)Products Liability (July 27, 2020)Professional Indemnity Insurance (July 27, 2020)Plant and Machinery (July 27, 2020)Management Liability (July 27, 2020)Industrial Special Risks (July 27, 2020)Farm & Crop Insurance (July 27, 2020)Environmental Liability (July 27, 2020)Cyber Risk (July 27, 2020)Contract Works (July 27, 2020)Business Package (July 27, 2020)Workers Compensation Reviews (July 27, 2020)Risk Management Reviews (July 27, 2020)Premium Funding (July 27, 2020)Insurance Program Review (July 27, 2020)Claims Management (July 27, 2020)Personal Cyber (July 21, 2020)Residential Strata (July 21, 2020)Pleasurecraft (July 21, 2020)Motor Vehicle (July 21, 2020)Landlords Insurance (July 21, 2020)Home and Contents (July 21, 2020)Trade Insurance (July 15, 2020)TeamTeam Member 12 (July 29, 2020)Lisa Stewart (July 29, 2020)Marcus Carlson (July 29, 2020)Shayne Knight (July 29, 2020)Quinten Lynch (July 29, 2020)Jeff Booth (July 29, 2020)James Dique (July 29, 2020)Ernie Calalesina (July 29, 2020)Brady Knight (July 29, 2020)Graham Knight (July 13, 2020)TestimonialsLaurie Johnson JP (August 11, 2020)DALTON GOODING (June 15, 2020)
- [Graham Knight](https://gskinsurance.com.au/graham-knight/): Founder and Managing Director of GSK Insurance (established in 1981). Graham draws upon more than 50 years’ experience in the insurance industry, working in both insurance and broking across various private, public and government sectors in Australia.
- [COURIER CARE INSURANCE APPLICATION FORM](https://gskinsurance.com.au/courier-care-insurance-application-form/)
- [Direct Debit Request and Service Agreement](https://gskinsurance.com.au/direct-debit-request-and-service-agreement/)
- [Trade Insurance](https://gskinsurance.com.au/trade-insurance/): Public liability insurance provides financial protection if you cause damage to property or injury to a person as the result of your actions at work. Liability insurance also covers your legal bills if you need to hire a lawyer as part of the claims process. Although public liability isn’t generally compulsory for tradesmen in Australia, it offers essential financial protection for your business. No matter how careful you are in your work, unexpected damage or injury can occur to your clients or any other third party. The financial implications of a liability claim can be devastating, which is why you need to ensure you have public liability insurance in place.
- [Personal Insurance](https://gskinsurance.com.au/personal/): Hull insurance is a specific form of cover which will protect you financially for damage caused to your boat. Given how expensive boats are, the last thing you want is to be left to pay the damages bill yourself! Depending on the policy, it can cover a broad range of damage which may occur to the hull, spars, sails, machinery, dinghies or tenders, outboard motors, fittings and other equipment normally required for the operation or maintenance of the vessel.Public liability cover means that if you’re found liable for damage to property or injury to a third party as the result of your actions aboard your vessel, you’re covered financially following a successful claim. This policy can also cover legal bills if you need to hire a lawyer as a result of the claim. Although we’re sure you’re a careful boat operator, it pays to be protected with liability cover.If you intend to tow a skier, wakeboard, donut or similar floatation device, you should consider having water skiers’ liability insurance in place. This cover will protect you against any injury or damage that may occur from these types of activities to offer you and those aboard your boat peace of mind.Although it’s important that you protect the boat itself with insurance cover, you also need to think about your personal effects and equipment aboard the boat. A lot of items will be covered through hull insurance but separate cover is required for items such as clothes, personal electronics, fishing gear and scuba equipment which is where personal effect and equipment cover comes in.
- [Financial Adviser & Planner Perth](https://gskinsurance.com.au/financial-services/): For more than 40 years, GSK Financial Services, a Perth based Financial Planning practice, have been helping Australian’s achieve financial wellbeing by delivering tailored strategic solutions across a broad range of financial planning and superannuation services.
- [Claims Centre](https://gskinsurance.com.au/claims-centre/): GSK have been incredibly responsive. Graham and the team always give expert advice. It is good to use one company to handle our business and personal insurances because of the continuity of service and convenience of dealing with a single consultancy.
- [Business Insurance](https://gskinsurance.com.au/business-insurance/): The first step to avoiding underinsurance is to consider all of your areas of risk. For most people, this would mean having home and contents insurance to protect your property and possessions and motor insurance if you own a vehicle. However, there’s additional coverage available, such as life insurance, which can protect you in the long term, and there are more complex considerations if you own a business. Take the time to think about your unique risks so you can get the right insurance coverage.One of the biggest reasons why people are underinsured is that they underestimate the value of their home and contents. Don’t rely on guesswork – accurately estimate replacement costs for your possessions so your insured amount is as close to the mark as possible. There are plenty of online calculators which can help you with your estimates.Remember that costs can change over time so review your insured amounts at least annually to see if you need to increase your cover. For example, the value of your home may increase or replacement costs for your possessions may also go up. Also, let your insurer know if there are changes in your circumstances which require additional cover.When we’re all trying to budget, it can be tempting to settle for the cheapest possible insurance premiums you can find. However, cheaper doesn’t mean better and many people find that they don’t have the level of cover they need at claim time due to numerous exclusions. While it’s important to source insurance cover which fits your budget, you also need to ensure that you have quality cover which protects your risk exposures.
- [Nursing – Professional Indemnity and Public Liability Insurance](https://gskinsurance.com.au/nursing-professional-indemnity-and-public-liability-insurance/): DETAILS ABOUT YOU:
- [Nursing – Personal Accident Cover](https://gskinsurance.com.au/personal-accident-cover/): Nursing - Personal Accident Cover Name of Proposer*Date of Birth* Business of Proposer*Address of Proposer*Maximum Weekly Benefit Required* $150 $300 $500 Note: Cover has been arranged on the $300 p/w option. If you wish to decrease or increase please advise us.Terms and Conditions* I acknowledge that the Insurer will have no liability whatsoever until it accepts this application in writing and that the Insured Person’s duty to disclose any matter material to the Insurer’s decision whether to issue cover and what terms and conditions to offer continues until the Insured has issued the confirmation. Apply Now
- [Privacy Policy](https://gskinsurance.com.au/privacy-policy/): We are Cyprus based company and operate web servers hosted in Germany. Our hosting provider Hetzner Online GmbH adheres to the EU/US “Privacy Shield”, ensuring that your data is securely stored and GDPR compliant. For more information on Hetzner Online GmbH privacy policy, please see here: Hetzner Data Privacy Policy.
- [Commercial Property Insurance](https://gskinsurance.com.au/commercial-property-insurance/): GSK Insurance Brokers help protect your business financially with our customised commercial insurance solutions. Risk management is essential for the success of your business and with the right insurance cover in place, you can be confident that you’re protected in the event of loss, damage or theft. From public liability insurance to commercial property insurance, we have access to a range of quality policies for your business. Contact GSK Insurance Brokers today to find out more about our commercial insurance packages.
- [Public and Product Liability Insurance Brokers](https://gskinsurance.com.au/product-and-public-liability-insurance-brokers/): Products liability insurance is designed for businesses that supply a product to clients, customers or members of the public. Like with public liability insurance, products liability insurance protects against all third party legal liability claims of personal injury or property damage caused by (or claiming to be caused by) products you have sold or supplied.
- [Courier Drivers](https://gskinsurance.com.au/courier-drivers/): 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
- [Home](https://gskinsurance.com.au/): GSK Insurance Brokers, established in 1981 are one of Australia’s leading providers of risk management, insurance, claims advocacy and workers’ compensation related advice. Our client proposition is built upon deep specialist knowledge, client’s best interest, tailored advice and service excellence.
- [About Us](https://gskinsurance.com.au/about-us/): GSK Insurance Brokers, established in 1981 are one of Australia’s leading providers of risk management, insurance, claims advocacy and workers’ compensation related advice. Our client proposition is built upon deep specialist knowledge, client’s best interest, tailored advice and service excellence.
- [Customer Service](https://gskinsurance.com.au/customer-service/): I have known Marcus professionally for some years now. He has been my trusted financial adviser for all that time. I can’t speak highly enough for his knowledge of financial strategy and products complimented by his sound advice and management. He is to me, success driven and highly professional.
- [Contact](https://gskinsurance.com.au/contacts/): 177 Great Eastern Hwy Belmont, WA T: 08 9478 1933 Couriers Hotline: 1300 220 212 Work Hours: Mon – Fri 8:30am – 5pm Get in Touch
- [Insights](https://gskinsurance.com.au/insights/)
- [Cyber Liability Insurance](https://gskinsurance.com.au/cyber-liability-insurance/): In an increasingly digital age, Australian businesses rely on computers and other devices to help complete a range of tasks. Unfortunately, more advanced technology also means that cyber criminals are continually developing new ways to attacks your business. Cyber crime is on the rise in Australia and is one of the main risks that modern businesses face.
- [Investment property](https://gskinsurance.com.au/investment-property-insurance/): Millions of Australians invest for their future in residential real estate. But their wealth plan can go seriously awry if they are unlucky with their tenants. It’s extremely important that landlords take insurance cover that has been designed specifically to protect them from the unique set of risks they face. At GSK Insurance Brokers we offer insurance packages that address the realities of investing in real estate. As well as the standard risks covered by residential property insurance, we can show you how to protect yourself from such unique risks as rent default and malicious damage, all at highly competitive premiums.
- [Mining Insurance](https://gskinsurance.com.au/mining-insurance/): In a developed country like Australia, “mining and resources” covers a vast range of activities, with correspondingly diverse risk profiles. It’s a fast-changing field, too, so providing suitable miners' insurance cover requires an intimate understanding of all aspects of mining and resource recovery, and the ability to stay abreast of regulatory and legal changes that may affect the liabilities of an operator.
- [Professionals](https://gskinsurance.com.au/professionals-indemnity-insurance/): If you are being paid to act in a professional capacity you may be liable in the event that a client or patient suffers damage or loss arising from the shortcomings in your work. This includes giving professional advice, or the design of structures or systems. Even though a claim may eventually be rejected, the cost of defending them can severely damage a practice.
- [Sports and Recreation](https://gskinsurance.com.au/sports-and-recreation-insurance/): Australian’s are among the most active sporting participants in the world. Behind the headline teams and competitors lies an army of clubs, associations and not- for- profit organisations that sustain our passion for sport. But of course sporting activities almost always carry risks, and sporting organisations and clubs have extensive duties of care to those who use their facilities, as well as to the general public.
- [Engineering](https://gskinsurance.com.au/engineers-insurance/): The field of engineering is a rapidly evolving one, involving as it does increasing use of automation and computer aided design and manufacture. It’s also very likely that an engineer’s work will include giving professional advice and undertaking design tasks, which give rise to professional and product liabilities. A successful claim can devastate an engineering business, and possibly the wealth of its directors too.
- [Hospitality and Tourism](https://gskinsurance.com.au/hospitality-and-tourism-insurance/): Australia’s tourist and hospitality industries are major contributors to our prosperity. Visitors want to experience all that Australia has to offer, including many activities that carry significant risks. Similarly, hospitality providers have a duty of care to their patrons not just to provide safe food and drink, but to preserve their safety on the premises.
- [Information Technology](https://gskinsurance.com.au/information-technology-insurance/): IT professionals are at the front line of Australian business. They are responsible for designing and maintaining software and systems upon which billions of dollars’ worth of business depends. They are entrusted with growing volumes of sensitive and private data, and are increasingly accountable under privacy law for its security.
- [Retail](https://gskinsurance.com.au/retail-insurance/): Australia’s retailers are one of our economy’s mainstays. They work hard to build their businesses, and deserve the best protection for their success that the insurance market can provide. At GSK Insurance, we have experts in retailers insurance who can help you design a risk management strategy that’s perfectly matched for your retail business.
- [Manufacturing](https://gskinsurance.com.au/manufacturing-insurance/): Australian manufacturers exist in a harsh world of globalised competition and relentless search for innovation and efficiency. To add to their challenges, they face a growing burden of responsibility for the outcomes of their work and risks inherent in the workplace, in the form of product liability, management liability and environmental responsibilities.
- [Not for Profit](https://gskinsurance.com.au/not-for-profit-insurance/): Charitable organisations and volunteer enterprises are vital parts of Australian life, enriching our communities and helping our least fortunate fellow- citizens.
- [All Other Services](https://gskinsurance.com.au/all-other-services/): Australians these days depend on a small army of service providers to keep their houses and pools cleaned, their dogs walked, their children tutored, and a hundred and one other aspects of their complex lives taken care of.
- [Trade and Services](https://gskinsurance.com.au/trade-and-services-insurance/): Australia’s economy is heavily dependent upon the trades and services sector. From sole traders to large service enterprises and franchises, Australia’s service- providers need the protection of first class, tailored insurance to cover everything from their tools and equipment to loss of earnings through accident.
- [Chauffeur Drivers](https://gskinsurance.com.au/chauffeur-drivers-insurance/): Obtaining optimum cover is only the start. Your GSK Insurance Brokers remains your sole point of contact, there to assist you in maintaining optimum cover. And should it ever be necessary to make a claim, your chauffeur insurance broker will be on hand when you need help most, to get you back in operation with the minimum of delay.
- [Fleet Owners](https://gskinsurance.com.au/fleet-owners-insurance/): Managers of commercial vehicle fleets need a convenient, efficient way of keeping their fleet covered at the best possible rates. As well as meeting the statutory insurance requirements of vehicle ownership, they must choose wisely how to manage the risk profile of a fleet that may be frequently changing. Fleet insurance from GSK provides the answer.
- [Commercial Heavy Truck Insurance](https://gskinsurance.com.au/heavy-truck-insurance/): At GSK Insurance, our Heavy Haulage & Truck Insurance solution is all about giving you the flexibility to tailor your cover to suit your specific needs.
- [Property Owners](https://gskinsurance.com.au/property-owners-insurance/): Millions of Australians invest for their future in residential real estate. But their business plan can go seriously awry if they are unlucky with their tenants. It’s extremely important that landlords take insurance cover that has been designed specifically to protect them from the unique set of risks they face. At GSK Insurance Brokers we offer insurance packages that address the realities of investing in real estate. As well as the standard risks covered by residential property insurance, we can show you how to protect yourself from such unique risks as rent default and malicious damage.
- [Farming and Agriculture](https://gskinsurance.com.au/farming-and-agriculture-insurance/): Agriculture is one of the mainstays of the Australian economy, but at the same time it’s a precarious business, dependent for success on favourable weather, favourable markets, and on the judgement and expertise of its farmers.
- [Café & Restaurant Insurance](https://gskinsurance.com.au/cafe-and-restaurant-insurance/): Unfortunately, many café and restaurant owners underestimate the risks associated with your business and this can lead to you being hit hard financially when something does go wrong. The unexpected can happen and we’ve seen how easy it is for businesses to find themselves on the receiving end of a claim. From slips and falls or food poisoning on your premises to issues such as theft or storm damage, there are a number of risks which could occur in your café or restaurant. Luckily, we’re here to work with you to ensure that your risks are adequately protected.
- [Cleaners Insurance](https://gskinsurance.com.au/cleaners-insurance/): Although you hope that nothing will go wrong in your work as a cleaner, the reality is that you face a number of risks in your daily work and you need to have the right insurance cover in place so that you’re protected financially. Whether you take on large commercial cleaning contracts or prefer smaller domestic jobs, it’s all too easy to find yourself at the receiving end of a claim. To protect against these risks, the team at GSK Insurance Brokers can make sure you’re covered with one of our personalised insurance packages for cleaners.
- [Construction](https://gskinsurance.com.au/construction-insurance/): Construction is a major – and growing – element of the Australian economy, and builders face a changing landscape of risk and liability. On any construction site there are a number of scenarios that involve significant risk – for you, your business, your client and the wider community. But building operations take many forms, and a competent assessment of their scope is essential if correct construction insurance cover is to be provided.
- [Aged Care](https://gskinsurance.com.au/aged-care-insurance/): As our life-expectancy increases, aged care is one of the fastest- growing sectors of the Australian economy. Aged care providers are subject to a variety of regulatory obligations and the help of an expert is usually needed to ensure correct levels of insurance cover.
- [Dentist](https://gskinsurance.com.au/dentist-insurance/): Good dental care these days involves so much more than simply repairing decayed teeth. Patients now look to their dentists to improve their appearance, and an increasingly long-lived population expects its teeth to go on serving it for far longer than they have really evolved to last. Implant dentistry and other highly complex procedures bring a host of clinical risks that simply didn’t exist in the days when moribund teeth were routinely removed. These risks can have serious consequences for a dental practice, and a carefully designed insurance package is vital.
- [Doctors](https://gskinsurance.com.au/doctors-insurance/): The duties and responsibilities of doctors are many and varied. As well as the professional duty of care to patients, there are the normal concerns of any small business; theft or damage to property and equipment, public liability and employee welfare.
- [Nursing Insurance](https://gskinsurance.com.au/nursing-insurance/): Apply for Personal Accident Cover Apply for Professional Indemnity and Public Liability Insurance
- [Healthcare and Medical](https://gskinsurance.com.au/healthcare-medical-insurance/): When dealing with something as important as people's health, Healthcare and Medical professionals are understandably held to an extremely high duty of care, which can extend to outcomes far in the future. In Australia's increasingly litigious society, healthcare providers and their employees are more exposed than ever to the threat of malpractice claims, which even when facetious can bare devastating financial consequences.
- [Pilot Drivers](https://gskinsurance.com.au/pilot-drivers-insurance/): Pilot and escort car drivers face a range of third party liabilities quite different from those of drivers of private cars, or even business fleet vehicles. Pilot cars and their drivers are relied upon to perform important safety functions related to oversize or hazardous loads, and drivers are personally liable for damage or injury arising from their errors or negligence.
- [Trades Quote Calculator](https://gskinsurance.com.au/trades-quote-calculator/): Trades Quote Calculator URLThis field is for validation purposes and should be left unchanged.Name* First Last Company , Business or Trading Name*Email* Phone*PostcodeOccupation*Select OneAbrasive or Sand Blasting ServicesAir Conditioning and Heating ServicesAir Conditioning Installation and ServicingAwning, Blind or Roller Shutter InstallationBobcat Contracting Services, Excluding DredgingBoilermakerBricklayingBuilder - House Construction, Alteration or RenovationBuilt-In Wardrobe InstallationCarpentry Services - On-Site FabricationCarpet LayingCement RenderingConcretingConstruction Services n.e.c.Coolroom InstallationDemolition of Buildings or Other StructuresEarthmoving and Excavation, Excluding DredgingElectrical ServicesElectrical Services – QueenslandFence ConstructionFire and Security System ServicesFire Extinguisher ServicingFire Sprinkler Installation and ServicingFloor and Wall TilingFloor Sanding and PolishingGarden Sprinkler InstallationGlazing ServicesGuttering InstallationInsulation Material InstallationLandscaping ServicesPainting and Decorating ServicesPaving ServicesPlastering and Ceiling ServicesPlumbing ServicesPlumbing Services – VictoriaRefrigeration Equipment InstallationRoof Spraying, Painting or CoatingRoof Tiling and Metal Roof FixingScaffolding ErectionSecurity System InstallationSign Writing ServicesSite Preparation Services, Excluding DredgingSkylight InstallationStonemasonStructural Steel Erection Services - Excluding WeldingStructural Steel Erection Services - Including WeldingTelevision Antennae InstallationTelevision Cable InstallationWaterproofing ServicesWooden Flooring InstallationWooden Formwork ErectionWooden Kitchen Cabinet InstallationLimit of Liability*Select One$5,000,000$10,000,000$20,000,000State*Select OneACTNSWNTTASVICQLDSAWANumber of staff including directors*Select One12345678910Do you currently have Public Liability Insurance?Select OneYesNoEstimated Annual TurnoverHow Many Years Have You Been Trading?Have you or any of the directors ever been declined insurance, been bankrupt or had a criminal conviction?*NoYesInclude tool of trades cover?*Select OneNo$5,000$10,000$20,000 Submit 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
- [Blog](https://gskinsurance.com.au/blog/)
- [Terms of Use](https://gskinsurance.com.au/terms/): This domain name and website are owned and operated by GSK Insurance Brokers. The Terms of Use (including the Privacy Statement) govern your access to and use of the information, text, graphics and materials on the website (“Content”) and the computer storage, processing and use of your personal information.
- [Privacy Policy](https://gskinsurance.com.au/privacy-policy/): At GSK Insurance Brokers, we are committed to protecting your privacy in accordance with the Privacy Act 1988 (Cth) and the Australian Privacy Principles. This Privacy Policy describes our current policies and practices in relation to the collection, handling, use and disclosure of personal information. It also deals with how you can complain about a breach of the privacy laws and how you can access the personal information we hold and how to have that information corrected.When we arrange insurance on your behalf, we ask you for the information we need to advise you about your insurance needs and management of your risks. This can include a broad range of information ranging from your name, address, contact details, age to other information about your personal affairs including your assets, personal belongings, financial situation, health and wellbeing. We provide any information that the insurers or intermediaries who we ask to quote for your insurances and premium funding require to enable them to decide whether to insure you and on what terms or to fund your premium and on what terms.
- [Claim Process](https://gskinsurance.com.au/claims/claim-process/): GSK understands that if you need to make a claim there are probably several things running through your head at once. We offer all the support our clients need, with a dedicated claims team and a hands-on approach to follow-through on claims. In the event you do need to make a claim, rest assured that with a GSK solution, your insurance will work hard for you. With strong network power and better conditions, we are focused on getting the best results for all claims, large or small.
- [Claims](https://gskinsurance.com.au/claims/): JTNDaWZyYW1lJTIwd2lkdGglM0QlMjIxMDAlMjUlMjIlMjBoZWlnaHQlM0QlMjIzMTUlMjIlMjBzcmMlM0QlMjJodHRwcyUzQSUyRiUyRnd3dy55b3V0dWJlLmNvbSUyRmVtYmVkJTJGWHZwM2lJUGhZNzAlM0ZyZWwlM0QwJTIyJTIwZnJhbWVib3JkZXIlM0QlMjIwJTIyJTIwYWxsb3clM0QlMjJhY2NlbGVyb21ldGVyJTNCJTIwYXV0b3BsYXklM0IlMjBlbmNyeXB0ZWQtbWVkaWElM0IlMjBneXJvc2NvcGUlM0IlMjBwaWN0dXJlLWluLXBpY3R1cmUlMjIlMjBhbGxvd2Z1bGxzY3JlZW4lM0UlM0MlMkZpZnJhbWUlM0U=If you need to make a claim, chances are things are a little more difficult than usual. GSK strives to make the Claims process as easy as possible for all our clients. This allows you to concentrate on the things that really matter.
- [Travel Insurance](https://gskinsurance.com.au/travel-insurance/): There’s a spirit of adventure coursing through the veins of most Australians. We’re among the most travelled people in the world, and our tastes include going well off the beaten track. When we travel, we want to know that we’ve got our risks covered, with a travel insurance policy that we can call on in time of need, should things not got to plan.
- [Pleasurecraft](https://gskinsurance.com.au/pleasurecraft-insurance/): At GSK we undertake all kinds of insurance, including the challenging field of pleasurecraft. Many pleasurecraft owners borrow to finance their purchase, and their lenders will require them to insure the vessel for total loss through fire, accident or theft, naming them as a beneficiary. Even those who own their yacht, jet ski or power- boat outright will still need insurance to cover other risks such as their liability to third parties.
- [Motor](https://gskinsurance.com.au/motor-insurance/): GSK Motor insurance cover options:
- [Home/Landlords](https://gskinsurance.com.au/home-landlords-insurance/): As one of your biggest assets, you will no doubt want to ensure that any property you own is protected with the best landlord insurance.
- [WA Pilot Vehicle Driver Association Inc](https://gskinsurance.com.au/trades-insurance/wa-pilot-vehicle-driver-association-inc/): The Pilot Driver occupation comes with more than safety issues to worry about – the legal side of contracting can be extremely complex, leaving you open to risk you may not even realise exists.
- [Pharmacy Insurance](https://gskinsurance.com.au/pharmacy-insurance/): Pharmacy is one of the most trusted occupations in Australia and has had a strong community presence for many years.
- [Garden and Park Services](https://gskinsurance.com.au/garden-and-park-services-insurance/): GSK offers a tailored insurance package designed especially for the needs of tradesmen who provide horticultural maintenance services, whether lawn-mowing, tree surgery or parks or garden maintenance.
- [Trades Pak](https://gskinsurance.com.au/trades-insurance/trades-pak/): At GSK we have a dedicating team committed to providing trades people a solution for all their insurance needs. We understand your time is important to you and as such we have a no hassle package designed to encompass all of your insurance needs, from a basic Public Liability policy to Protecting your income.
- [Tree Loppers Insurance](https://gskinsurance.com.au/trades-insurance/tree-loppers-insurance/): To speak with one of our experienced brokers about tree loppers insurance, contact GSK Insurance Brokers today.
- [Hire A Hubby Insurance](https://gskinsurance.com.au/trades-insurance/hire-a-hubby-insurance/): Having your own Hire a Hubby, or similar handyman business, is an exciting venture and perfect if you have a flexible skill set which you want to put to use. However, like any business, it comes with its unique set of risks and you need to ensure that you have insurance in place to cover your risk exposures.
- [Plumbers Insurance](https://gskinsurance.com.au/trades-insurance/plumbers-insurance/): In a trade with so many variables, industry requirements and changing laws, the plumbing business can be a minefield if you don’t have the right risk program. Taking the time now to develop a solution custom-fitted to your business will save you precious time, worry and dollars in the future.
- [Lawn Mowing Insurance for Contractors](https://gskinsurance.com.au/trades-insurance/lawn-mowing-contractors-insurance/): With the great Australian dream, comes the essential front and backyard lawn which homeowners need to take care of.
- [Electrical Contractors Insurance](https://gskinsurance.com.au/trades-insurance/electrical-contractors-insurance/): Electricity is the pulse of the modern world and without important electricians to install, fix, or replace cabling, equipment and infrastructure, everything will come to an immediate halt. Dealing with electricity comes at great personal physical risk, however, which is why many people hire electrical contractors to do the job safely and properly.
- [Couriers Care Insurance](https://gskinsurance.com.au/trades-insurance/couriers-trade/): As a courier, you are exposed to many dangers that other industries simply don’t even think of. With an unusually high exposure to roads, whether your vehicle has two wheels or four, the chance of incidents occurring are far greater than average.
- [Chauffeur Drivers](https://gskinsurance.com.au/trades-insurance/chauffeur-drivers/): At GSK Insurance we offer insurance packages for chauffeured vehicles, limousine and coaches. Our competitive chauffeur insurance policies can be tailored to suit your individual needs, so contact us today for a free quote.
- [Car Care](https://gskinsurance.com.au/trades-insurance/car-care/): With the auto industry constantly changing along with the business world, it can be hard to keep up with economic, legal and industry conditions. When you run your own franchise, understanding how these changes affect your business is critical. With your lifestyle and your family’s security at stake, you don’t want to get caught out with inadequate insurance.
- [Appliance Repairers](https://gskinsurance.com.au/trades-insurance/appliance-repairers/): GSK Appliance Repairers insurance can provide cover for:
- [Trades Insurance](https://gskinsurance.com.au/trades-insurance/): Australia’s economy is heavily dependent upon the trades and services sector. From sole traders to large service enterprises and franchises, Australia’s service- providers need the protection of first-class, tailored insurance to cover everything from their tools and equipment to loss of earnings through an accident.
- [Transport & Logistics Insurance](https://gskinsurance.com.au/transport-logistics-insurance/): Keeping supply chains running in a country the size of Australia requires a vast fleet of commercial vehicles, operating under a wide variety of contractual and physical conditions, and with widely differing insurance needs.
- [SME – Small to Medium enterprise](https://gskinsurance.com.au/business-insurance-brokers/small-medium-enterprise/): When it’s your own business at stake, you want your insurance to work just as hard as you do.
- [Services to Mining](https://gskinsurance.com.au/business-insurance-brokers/services-to-mining/): GSK Services to Mining insurance covers you against:
- [Workers Compensation Insurance](https://gskinsurance.com.au/workers-compensation-insurance-brokers/): Protect yourselves and your employees with Workers Compensation Insurance
- [Property Owners](https://gskinsurance.com.au/business-insurance-brokers/property-owners/): GSK Property Owners insurance covers you against:
- [General Medical](https://gskinsurance.com.au/general-medical-insurance/): Providers of any kind of medical care bear a growing burden of responsibility to their patients, extending to outcomes far in the future. Insurance, tailored to the specific needs of their practice, is a vital protection. In these increasingly litigious times, the best of clinicians can find themselves locked in protracted malpractice suits which, though they may eventually win them, are extremely costly to defend.
- [Couriers Insurance](https://gskinsurance.com.au/couriers-insurance/): Once your cover is arranged, we then ensure that it is regularly reviewed, so that as your business develops your couriers insurance keeps pace with it.
- [Construction](https://gskinsurance.com.au/business-insurance-brokers/construction/): GSK Construction insurance covers you against:
- [Business Insurance](https://gskinsurance.com.au/business-insurance-brokers/): A company’s success can literally depend in having a sound risk management and business insurance plan. This is where GSK makes the difference. We have helped hundreds of Australian companies improve their risk profiles, with better analysis and targeting of cover.
- [Corporate](https://gskinsurance.com.au/corporate/): At GSK we have a team of Corporate brokers experienced in dealing with the complexities of insurance and risk management for larger clients. Our approach is to work with you to fully analyse the risks to your business so we understand where your future success may be impacted.
- [Community](https://gskinsurance.com.au/community/): GSK Insurance Brokers take pride in sponsoring, supporting and partnering with a select group of WA sport clubs and charity. Whether it's sponsoring community grass roots level netball, being corporate members of the West Coast Eagles, or supporting a tireless charity helping those with debilitating illness, it's how we give back and get involved. That's the GSK way.
- [Strength of Steadfast Insurance Brokers](https://gskinsurance.com.au/strength-of-steadfast/): GSK Insurance is part of the largest insurance broker network in Australia and New Zealand, the Steadfast Group.

## Services
- [Licensed Post Office Insurance](https://gskinsurance.com.au/services/licensed-post-office/): Couriers & Parcel Drivers
- [Injury Management & Return to Work Insurance](https://gskinsurance.com.au/services/injury-management-return-to-work-insurance/): JTVCcmF3X2h0bWxfc25pcHBldCUyMGlkJTNEJTIycXVvdGUtY2FsYyUyMiU1RA==
- [Workplace Health and Safety Insurance](https://gskinsurance.com.au/services/workplace-health-and-safety/): JTVCcmF3X2h0bWxfc25pcHBldCUyMGlkJTNEJTIycXVvdGUtY2FsYyUyMiU1RA==
- [Personal Accident and Sickness Insurance](https://gskinsurance.com.au/services/personal-accident/): When life takes an unexpected turn due to accident or illness, the weight of financial worries should be the last thing on your mind. Personal Accident and Sickness Insurance ensures that if you're unable to work and earn an income due to sickness or injury, you and your loved ones are protected.
- [Pilot Vehicle Driver’s Insurance](https://gskinsurance.com.au/services/pilot-vehicle-drivers/): JTVCcmF3X2h0bWxfc25pcHBldCUyMGlkJTNEJTIycXVvdGUtY2FsYyUyMiU1RA==
- [Transport Insurance](https://gskinsurance.com.au/services/transportation-logistics/): From safeguarding your valuable vehicles from damage, theft, or unexpected accidents to providing a robust shield against third-party claims from bodily images or property damages, our tailored transport insurance covers a wide range of risks.
- [Workers’ Compensation Insurance Australia](https://gskinsurance.com.au/services/workers-compensation/): JTVCcmF3X2h0bWxfc25pcHBldCUyMGlkJTNEJTIycXVvdGUtY2FsYyUyMiU1RA==
- [Small Business Insurance](https://gskinsurance.com.au/services/small-medium-business/): A comprehensive small business insurance policy protects against financial losses due to damage or destruction of business property. This includes buildings, equipment, tools, inventory, and furniture. Whether it's from fire, storms, theft, or vandalism, having this insurance helps businesses repair or replace essential physical assets without bearing the entire cost burden. It also often extends to damages caused by unexpected events like flooding or earthquakes, depending on your policy specifics.
- [Cargo Carrier Liability Insurance](https://gskinsurance.com.au/services/cargo-carriers-liability/): JTVCcmF3X2h0bWxfc25pcHBldCUyMGlkJTNEJTIycXVvdGUtY2FsYyUyMiU1RA==
- [Products and Public Liability Insurance](https://gskinsurance.com.au/services/products-and-public-liability-insurance/): Products and Public Liability Insurance is designed to provide comprehensive coverage for couriers, protecting your business from a range of potential risks and liabilities. While coverage can vary depending on the specific policy and insurer, here are some common things this type of insurance can cover:
- [Goods in Transit Insurance](https://gskinsurance.com.au/services/goods-in-transit-insurance/): We understand that every shipment is more than just goods; it's your promise to your customers. Goods in Transit Insurance safeguards this relationship and protects you from potential risks.
- [Commercial Motor Vehicle Insurance](https://gskinsurance.com.au/services/commercial-motor-vehicle-insurance/): That's why at GSK Insurance, we offer specialised Commercial Motor Vehicle Insurance to keep your business running smoothly, no matter what bumps or detours lie ahead. We tailor insurance packages to your business so that you're protected and can hit the road with peace of mind.
- [Courier Insurance](https://gskinsurance.com.au/services/couriers-parcel-delivery/): Couriers & Parcel Drivers
- [Workplace Risk](https://gskinsurance.com.au/services/workplace-risk/): Example Excerpt
- [Self Managed Superannuation](https://gskinsurance.com.au/services/self-managed-superannuation/): Example Excerpt
- [Engineers Insurance](https://gskinsurance.com.au/services/engineers-insurance/): Example Excerpt
- [Commercial Property Insurance](https://gskinsurance.com.au/services/commercial-property-insurance/): Example Excerpt
- [Heavy Truck Insurance](https://gskinsurance.com.au/services/heavy-truck-insurance/): Example Excerpt
- [Public Liability](https://gskinsurance.com.au/services/public-liability/): Example Excerpt
- [All Other Trades](https://gskinsurance.com.au/services/all-other-trades/): All Other Trades
- [Tree Loppers Insurance](https://gskinsurance.com.au/services/tree-loppers/): Tree Loppers
- [Insurance for Lawn Mowing Business](https://gskinsurance.com.au/services/lawn-mowing-services/): Lawn Mowing Services
- [Plumbers Insurance](https://gskinsurance.com.au/services/plumbers/): Plumbers
- [Plasterers](https://gskinsurance.com.au/services/plasterers/): Plasterers
- [Painters](https://gskinsurance.com.au/services/painters/): Painters
- [Handyman Insurance](https://gskinsurance.com.au/services/handyman/): Handyman
- [Electricians Insurance](https://gskinsurance.com.au/services/electricians/): Electricians
- [Supermarkets Insurance](https://gskinsurance.com.au/services/supermarkets/): Supermarkets
- [Retail Insurance](https://gskinsurance.com.au/services/retail/): Retail
- [Cafe and Restaurant Insurance](https://gskinsurance.com.au/services/restaurants-cafes/): Restaurants & Cafes
- [Residential & Commercial Strata Insurance](https://gskinsurance.com.au/services/residential-commercial-strata/): Residential & Commercial Strata
- [Property Owners & Developers Insurance](https://gskinsurance.com.au/services/property-owners-developers/): Property Owners & Developers
- [Professionals & Consultants Insurance](https://gskinsurance.com.au/services/professionals-consultants/): Professionals & Consultants
- [Not For Profit Insurance](https://gskinsurance.com.au/services/not-for-profit/): Not For Profit
- [Insurance For Manufacturing Industry](https://gskinsurance.com.au/services/manufacturing/): Manufacturing
- [Insurance for Hotels](https://gskinsurance.com.au/services/hotels-pubs-hospitality/): Hotels, Pubs & Hospitality
- [Health and Pharmacy Insurance](https://gskinsurance.com.au/services/health-pharmacy/): Health and Pharmacy
- [Building & Construction Insurance](https://gskinsurance.com.au/services/building-construction/): Building & Construction
- [Agriculture & Farm Insurance](https://gskinsurance.com.au/services/agriculture/): Agriculture
- [Trade Credit](https://gskinsurance.com.au/services/trade-credit/): Example Excerpt
- [Products Liability](https://gskinsurance.com.au/services/products-liability/): Example Excerpt
- [Professional Indemnity Insurance](https://gskinsurance.com.au/services/professional-indemnity/): Example Excerpt
- [Plant and Machinery](https://gskinsurance.com.au/services/plant-and-machinery/): Example Excerpt
- [Management Liability](https://gskinsurance.com.au/services/management-liability/): Example Excerpt
- [Industrial Special Risks](https://gskinsurance.com.au/services/industrial-special-risks/): Example Excerpt
- [Farm & Crop Insurance](https://gskinsurance.com.au/services/farm-crop-insurance/): Example Excerpt
- [Environmental Liability](https://gskinsurance.com.au/services/environmental-liability/): Example Excerpt
- [Cyber Risk](https://gskinsurance.com.au/services/cyber-risk/): Example Excerpt
- [Contract Works](https://gskinsurance.com.au/services/contract-works/): Example Excerpt
- [Business Package](https://gskinsurance.com.au/services/business-package/): Example Excerpt
- [Workers Compensation Reviews](https://gskinsurance.com.au/services/workers-compensation-reviews/): Example Excerpt
- [Risk Management Reviews](https://gskinsurance.com.au/services/risk-management-reviews/): Example Excerpt
- [Premium Funding](https://gskinsurance.com.au/services/premium-funding/): Example Excerpt
- [Insurance Program Review](https://gskinsurance.com.au/services/insurance-program-review/): Example Excerpt
- [Claims Management](https://gskinsurance.com.au/services/claims-management/): Example Excerpt
- [Personal Cyber](https://gskinsurance.com.au/services/personal-cyber/): Personal Cyber
- [Residential Strata](https://gskinsurance.com.au/services/residential-strata/): Residential Strata
- [Pleasurecraft](https://gskinsurance.com.au/services/pleasurecraft/): Pleasurecraft
- [Motor Vehicle](https://gskinsurance.com.au/services/motor-vehicle/): Motor Vehicle
- [Landlords Insurance](https://gskinsurance.com.au/services/landlords/): Landlords
- [Home and Contents](https://gskinsurance.com.au/services/home-and-contents/): Home and Contents
- [Trade Insurance](https://gskinsurance.com.au/services/trade-insurance/): Insurance for all types of tradies

## Team
- [Team Member 12](https://gskinsurance.com.au/team/team-member-12/): This is info for this team member
- [Lisa Stewart](https://gskinsurance.com.au/team/lisa-stewart/): Email: lisas@gskinsurance.com.au
- [Marcus Carlson](https://gskinsurance.com.au/team/marcus-carlson/): Email: marcusc@gskinsurance.com.au
- [Shayne Knight](https://gskinsurance.com.au/team/shayne-knight/): Email: shaynek@gskinsurance.com.au
- [Quinten Lynch](https://gskinsurance.com.au/team/quinten-lynch/): Email: quintenl@gskinsurance.com.au
- [Jeff Booth](https://gskinsurance.com.au/team/jeff-booth/): Email: jeffb@gskinsurance.com.au
- [James Dique](https://gskinsurance.com.au/team/james-dique/): Email: jamesd@gskinsurance.com.au
- [Ernie Calalesina](https://gskinsurance.com.au/team/ernie-calalesina/): Email: erniec@gskinsurance.com.au
- [Brady Knight](https://gskinsurance.com.au/team/brady-knight/): Email: bradyk@gskinsurance.com.au
- [Graham Knight](https://gskinsurance.com.au/team/graham-knight/): Email: grahamk@gskinsurance.com.au

## Testimonials
- [Laurie Johnson JP](https://gskinsurance.com.au/testimonials/laurie-johnson-jp/): I have known Marcus professionally for some years now. He has been my trusted financial adviser for all that time. I can’t speak highly enough for his knowledge of financial strategy and products complimented by his sound advice and management. He is to me, success driven and highly professional.
- [DALTON GOODING](https://gskinsurance.com.au/testimonials/cpt-testimonialsdalton-gooding/): GSK have been incredibly responsive. Graham and the team always give expert advice. It is good to use one company to handle our business and personal insurances because of the continuity of service and convenience of dealing with a single consultancy.