The liability of principals, contractors and subcontractors is an important issue for Australian businesses providing services or products to the built sector.
The use of subcontractors is common in many industries and it is particularly prevalent in the construction industry. In this sector, a design and construct contract is commonly used, and requires the head contractor to have a single line of responsibility to the principal/developer.
Read MoreIf you operate a business with employees, you are required to have workers compensation insurance in place to protect your employees for injuries or illnesses they may sustain while they are at work. Workers compensation laws vary from state to state, so it can be a complex area, particularly if you operate a business nationally or across multiple states.
Read More“PI” or professional indemnity insurance protects professional advice & service providing individuals and companies from bearing the full cost of negligence claim made by a client & any damages awarded.
Read MoreProtecting the operational capability and cash flow of your business is one of the most important protections you have — for your business, your investment and the people that depend on it. Here are some of the key areas you might consider when purchasing business insurance.
Read MoreExperiencing a loss can become considerably worse if the insurance you have in place fail to meet your expectations. The failure of an insurance policy can significantly impact your financial position, financial security and ultimately your standard of living.
Read MoreAs the world has become more digitally enabled, so too has the risk of compromise for businesses via digital entry points.
Read MoreThe manufacturing industry, anywhere in the world, is critical to keeping the economy moving. The sector is also one of the most technical, involving a wide range of moving parts including logistical, mechanical and labour resources. It is important that cover is tailored to each business.
Read MoreThe holiday season is essentially over and many of us are returning to work and finding it hard to adjust. Some of the adjustment is about traveling to and from work in traffic, others include spending time again with people you have not seen or spoken with for weeks, learning again how the computer works and even trying to remember your password.
Read MoreThe insurance landscape can be complicated and there is a range of industry-specific terms that are used. Here is a guide to the most common ones.
Read MoreIf you have an insurance policy, you’re helping to protect yourself against financial or business loss in the event of an incident. If an event occurs, you’d lodge a claim with your insurer. But how does that process work?
Read MoreAs busy business owners and operators it is difficult to keep up with the various legislation and legislative changes that occur which are relevant to you. In this article we discuss Australian Occupational Health and Safety. We provide some context on the current OHS landscape, discuss the Western Australia Work Health and Safety Proposed Act changes and provide some information on recent workplace occupational health and safety issues and incidents.
Read MoreProfessional indemnity insurance cover is essential for any professional service provider and reduces risk to claims made against your business.
Read MoreThe internet is a wonderful thing that allows people to shop around to find the best bargain when they’re making just about any sort of purchase. With insurance however, it presents clear risks.
Read MoreResearch from the Australian Government shows that travel insurance is a popular holiday investment, but there are considerable gaps in knowledge about what customers are actually covered for.
Read MoreProtecting against risk is essential for any business, and identifying and understanding less obvious exposures can help a business prepare and be best protected, should the worst happen.
Read MoreThere 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.
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