Protecting Your Business

Why Professional Indemnity Insurance is vital for builders

Why Professional Indemnity Insurance is vital for builders

Are you unnecessarily exposing your business to potential losses and legal action if any issues arise with a property you have built?  While you likely have some insurance in place, are you sure you have the right cover? Because when it comes to the construction of a property, even if other contractors are involved, you as the builder have the closest relationship with the client. In their eyes, the buck stops with you.

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Understanding claims made polices and run off cover

Understanding claims made polices and run off cover

These days, anyone running or operating a business may need several different types of insurance policies to help manage the risks connected with their business. While different types of policies may seem similar, the trigger for a policy to become active may differ.

If you have Professional Indemnity (PI) Insurance - which covers you for claims by others for negligence, errors and omissions in the delivery of your professional services - you may not be aware they are what is referred to as a ‘claims made’ policy as opposed to ‘claims occurring’.

What this means is that your policy is triggered by a claim being made against you during the period of insurance. To ensure you are covered, you must have a policy in force on the date on which the claim is being made.

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Do you have enough insurance for your small business?

Do you have enough insurance for your small business?

Underinsurance remains a serious issue for small businesses, with the Insurance Council of Australia’s (ICA) statistics showing 12.8 per cent of small businesses and 24 per cent of sole traders have no insurance.

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Are you under-insured?

Under Insurance

Your business is probably one of the most valuable assets you have - so it makes sense to protect it in good times and bad. 

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Professional Indemnity Insurance at a glance

Professional Indemnity Insurance

Anyone can make a mistake - but if your business is found liable for negligence, the costs can be financially devastating. Not only can it lead to an expensive lawsuit, but your business's hard-earned reputation may be damaged as a result.

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Marine Transit Insurance at a glance

Marine transit

Marine transit insurance is important for businesses involved in shipping or receiving goods, operating watercraft commercially, repairing vessels, running a marina and more.

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Public & Products Liability at a glance

Public & Products Liability

If an accident or unforeseeable incident causes damage or injury to someone (other than your employees), you may be found legally liable to cover the costs.

Public liability insurance can help to protect your business from the financial risk of liability claims - giving you the certainty you need to trade with confidence. 

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Cyber Protection Insurance at a glance

Cyber Insurance

Cyber Protection Insurance is a relatively new form of cover. It's designed to help protect your business from the financial impact of computer hacking or data breach. 

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Contract Works Insurance at a glance

Contract works insurance

When you're working on a construction site, plenty of things can go wrong. Damage or loss to a building could cost you time, money and even your reputation. Meanwhile, an onsite injury can result in considerable pain, stress and financial loss.

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Management Liability Insurance at a glance

Management Liability

When you're running a business, you may be personally liable for any actual or alleged breaches of the Corporations Act. 

And it's not just large companies that are exposed - small and medium business owners and officers could be at risk as well.

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Business Insurance at a glance

Business Insurance

A business takes years to build - but an accident or disaster could destroy it all in minutes. That's why businesses should help protect themselves with a quality business insurance pack.

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