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 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 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 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 MoreIf 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 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 MoreIn recent times there have been wide spread reports of major cyber-attacks on a number of organisations across the globe.
Read MoreOn behalf of the Directors and Shareholders at AB Phillips, I am delighted to announce that as of today Fergusons Insurance Brokers have become part of the AB Phillips Group. We are very excited to have Fergusons join the AB Phillips team and to be partnering with both Alan Marsden and Alan Saunders in their transition to retirement.
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