How Home Renovations Impact Your Insurance: What You Need to Know
Planning a home renovation? It’s an exciting time—new spaces, fresh designs, and upgrades that can increase your home’s value and comfort. But amidst all the planning, one crucial aspect that [...]
Top Factors Affecting Home Insurance Premiums
Home insurance is an essential safety net for homeowners in Australia, protecting against potential damage from natural disasters, theft, and other unforeseen events. Understanding what influences these costs can help [...]
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 [...]
What is Cyber Insurance?
Cyber Insurance helps secure your business from online threats. It gives business owners peace of mind and security against cyber-attacks, such as hacking, data theft, or ransomware. Any businesses that have websites or computerized records are prone to accidental data breaches and cybercrime where the consequences can be exorbitant. You could be up for the cost of ransoms or IT solutions to access [...]
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Benefits of Using an Insurance Broker
A statement all too often heard, unfortunately, when an insurance claim is declined or not fully paid out: “But I thought it was covered under my insurance policy?” When an insurance policy was purchased directly from an insurer, you become solely responsible to ensure the type of cover is appropriate and the sums insured are adequate to secure your assets in a claim. [...]
$51,000 Business Email Scam: Tradies Disappointed By Banks
On her son’s 9th birthday, Jane Fleming was completely engrossed at the thought of how she lost $51,000 to be exact while lighting her son’s birthday cake. It was on this day that she’s come to the realisation of having transferred the amount into a scammer’s bank account. In May, Jane who helps in a family-owned building business was organising to pay $51,000 [...]
Personal Cyber Insurance Policy
Protect your kids today from cyberbullying and other threats Personal Cyber Insurance responds to a wide range of cyber threats such as: Crimeware Cyberbullying Cyberstalking Cyber extortion Identity theft Cyber harassment Harmful publication Hacking A cyber event, identity theft, cyber theft, sim-jacking or cryptojacking must first be discovered by you during the policy period. Cyber bullying, cyberstalking, cyber harassment or a harmful publication [...]