There are many reasons a business may be underinsured; costly premiums, lack of awareness of risk assessment, poor understanding of insurance policies, or failing to update policies as the business grows or acquires new assets. The problem lies when things go wrong.
Read MoreYes, it’s that time of year again – soon Worksafe Victoria will be issuing Workcover premium notices to all Victorian businesses.
Read MoreEach time you hire a contractor you need to determine if they're considered a 'worker' by WorkSafe – if so, you become their employer for WorkCover insurance purposes and will have liability for claim/return to work processes.
Read MoreAs business owners and managers, you are forced to keep up with being innovative and adaptable, to secure your business and to ensure its viability over the short and long-term. There will always be threats to your business - unfortunately there are some things you can’t control.
Read MoreWorkers compensation premiums, and how they are calculated, are complex. Many businesses don't realise they are paying the incorrect amount of workers compensation premium, and overpayments are not uncommon.
Read MoreNot being proactive about managing your workers comp claims could cost you more in premium.
Read MoreDo you know?
- Any business that employs staff must have a Workers Compensation program
- Workers Compensation can be the highest insurance cost to business if not managed correctly
- Many Australian businesses are incorrectly classified and paying the wrong amount of Workers Compensation premium.
If building work is close - or adjacent - to adjoining property boundaries, protection works may be requested from another party in respect of the adjoining property.
Read MoreDo I have cover should I accidentally damage my client’s home, driveway or personal property during the course of building their pool or spa?
Read MoreWhat happens in the event that your tools and/or equipment are stolen from site or office/factory carpark or the driveway of your personal property?
Read MoreIt’s seems like it’s been raining for weeks on end and now a customer has called saying “we’ve had a cave in!” What now?
Read MoreWhen a business considers engaging someone to perform work, often the decision is about whether to engage them as an employee or as a contractor. The decision is sometimes quite difficult and the difference has implications for items such as, yet not limited to, taxation, superannuation, control and liability.
Read MoreAll businesses no matter how large or small should have Public and Products Liability cover.
Read MoreComprehensive motor insurance generally offers two types of sums insured, market value and agreed value.
Read MoreA Safe Work Method Statement (SWMS) is a document that outlines the high-risk construction work activities to be carried out at a workplace; the hazards that may arise from these activities; and the measures to put in place to control the risks identified. It is a documented approach to risk mitigation and may be the difference between working safely and/or causing serious injury to yourself or others.
Read MoreManagement Liability Insurance protects the individuals and the company in relation to the exposures associated with managing a company (i.e. your liability for mismanagement).
Read MoreIn recent years there have been many reports of major cyber-attacks on a number of organisations across the globe.
Read MoreThe Australian manufacturing industry landscape is regularly changing. Currently, businesses are grappling with high running costs, rising labour and energy costs, energy policy uncertainty.
Read MoreThe Fair Work Act, the Australian Taxation Office and other legislation places controls on the engagement of both contractors and employees.
Read MoreOr are you still paddling in the deep end of safety compliance?
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