Guide to the Insurance Claims Process for Business Owners
As a business owner, you've invested time, effort, and resources into building your enterprise. However, unforeseen events such as accidents, natural disasters, or other unexpected incidents can pose significant [...]
Do I Need Assistance from an Insurance Broker for My Small Business?
Starting and running a small business involves a multitude of responsibilities, and one critical aspect is managing risk through insurance. As a small business owner, you may find yourself [...]
Mining Contractor Insurance – The Book
Read this before you renew your insurance policies. Insurance for Mining Contractors is not an easy process. The risk profile of a mine site means that as a contractor, insurance companies see you differently. There are also operational situations that can arise very quickly while working on a Mine site that can mean the difference between a healthy business and one that [...]
With Family, it’s never just business. It’s always personal
ARMA Insurance HV has been providing high quality insurance broking and support for over 15 years. We pride ourselves on our level of customer care. In this time we have developed a particular expertise for several vertical business types: Contractors, Mining Services, Farming and Manufacturing feature heavily on our customer list. Whilst we work hard to ensure that all our clients get the [...]
Types of Insurance in a Mining Contractors Policy mix
Unlike some more mainstream contractor insurances, mining contractor insurance is estimated to carry higher risk and as such can often be more expensive than normal contractor policies. They also have a higher level of detail and compliance conditions. While every contractor will be different, and you will need to seek good advice on what you need, the common policies that make us the [...]
ARMA MD makes the Elite 50
ARMA Insurance Managing Director Amanda Morris has been named in Insurance Business Australia's Elite 50 women in Insurance for 2022. The list is national and features the 50 women every year deemed by the industry to be the most inspiring female insurance professionals in the country. The list is significant in that it is compiled via nominations sought from the insurance industry nationally. [...]
Amanda Morris talks Mining Contractor Insurance
ARMA Insurance Hunter Valley’s Managing Director Amanda Morris is passionate about the clients she serves which are Mining Contractors. It’s a complex area of insurance and ARMA Insurance works very hard to make sure their Contactors that work in Mining are fully protected. “When it comes to Mining Contractor Insurance, what makes ARMA Insurance brokers different is that we know what we’re doing. [...]
Public Liability Insurance for Contractors
Subcontractors are perhaps the most important users of Public Liability insurance in Australia. As a subcontractor you are usually responsible for the consequences of your own actions on site, and in most cases you will more than likely not be covered by the insurance of the company or Contractor that hired you. Public liability insurance is important for all types of contractors and [...]
How are Mining Contractor insurance policies different to other contractor’s policies?
All businesses should hold insurance. Tradespeople particularly should keep their insurances up to date as the physical nature of much of their work represents higher risk than normal. The fact that all your work involves working on or at a client’s property also means that their business interests are often in your hands and the consequences of something unforeseen or accidental happening are [...]
Protect your rental properties from accidental damage and liabilities – Landlords Insurance
Renting out a property that you own can be daunting – even with good tenants, things can and do go wrong sometimes. If you own an investment property that’s rented out, you need to protect yourself against potential damage to your property and assets. Landlords have different risks to standard home owners – and these are often not included in a standard Home [...]
How to compare Mining Contractor Insurance premiums and policies
Working as a tradesperson in or around mine sites means you are surrounded by a unique set of risks. For that reason, insurance companies have a specific set of policies and practices around insuring mining contractors. If you are tradesperson or consultant that works with mining companies, you are required to have your own insurance that is specific to mining contracting and operations. [...]
Underinsurance on your Home & Contents and the Consequences.
As we watch the devastation across Queensland and New South Wales with these floods and crazy weather, we feel it is important for all of us to check-in and make sure we have an adequate sum insured for our home and contents insurance policies. Hence, in the event we suffer a total loss, we can actually replace our assets. [...]
What is Home & Contents Insurance?
One of the two basic types of home insurance is contents insurance. It protects the contents of your home in the event of theft, loss, or damage. These also cover situations beyond your control, such as fire, theft, storms, floods, ground movement beneath your property (also known as subsidence), and water leaks. Home insurance is only required if you own the property. Contents [...]
Farm Insurance
Are you living on acreage? Are you sure your current insurance company knows about this and covers you? Time and time again we see clients with farms taking out policies where the insurer is not aware they live on acreage. This is a massive exposure now and more and more insurers are withdrawing from this market, especially with your home and contents and [...]