Public Liability

Strengthen Your Construction Insurance: Safeguarding Existing Buildings

Undertaking construction projects involves numerous risks, emphasizing the critical importance of robust insurance coverage. While your current construction and liability insurance policy may cover specific aspects outlined in your building contract, it's essential to understand that it may not extend coverage to existing buildings at the project site. This underscores the need for an additional layer of protection.

New legal landscape for construction businesses FY24

Many legal and regulatory changes are happening in the construction sector now & into the next financial year. Find out what’s in store for your state & territory with this informative update.

Tools to Help Your Business Prepare for the Bushfire Season

There are many useful and official resources to help businesses prepare for summer bushfire season and other risks.

Let's look at some of the resources you can access to help manage your natural disaster risks and why you might need them.

The Importance of Run-Off Cover for Public & Products Liability

In the world of insurance, 'run-off coverage' is a vital but often overlooked term for businesses. This post delves into its importance, especially in products and public liability insurance.

4 Ways To Check if Your SME Is Underinsured (and What To Do)

Small businesses can avoid costly mistakes in underinsuring their properties and assets. These tips will help in estimating, assessing risks & understanding policy limits to get the right coverage.

The Role of Public Liability Insurance for Builders

Construction businesses need public liability insurance for protection against claims from third parties for injuries or property damage. Learn why builders and sub-contractors need separate policies.

Principal Supplied Items - Beware!

Principal supplied items, also known as owner-furnished materials, are a type of coverage that can be included in an annual construction insurance policy.

Unpacking Contract Works Insurance for Aussie Builders

Contract works insurance can be a good fit for Aussie builders keen to manage the risks on their building projects. But policy coverage varies, with options including per project or annually.

5 Top Tips about Landlord Insurance

Having landlord insurance isn’t a set-and-forget policy for property investors to protect their investment. Here are five tips to overcome common misconceptions about what landlord insurance actually covers.

Know your Obligations as a Commercial Property Owner

Leasing your commercial property can deliver higher yields, but comes with a range of responsibilities, including regulatory and legal ones. Here are the top four responsibilities explained.

Must-have cover for builders and the construction industry

Tighter regulations and increasing risks mean there are several must-have insurance policies for the construction industry. Find out more about each and why they’re essential for your business.

Here’s how to avoid the most common construction risks

The average person might be surprised by how many risks confront construction businesses. But we’re here to help you identify and manage them.

Insuring your whole business? Is that even possible?

Wouldn’t it be simpler and easier if you could insure your whole business with a single policy? Here's how.

Are you doubling up if you have builders' risk and general liability insurance?

With builders’ risks escalating and an increasingly tougher regulatory environment across Australia, how can construction contractors protect against potential liabilities and losses?

Landlord insurance demystified in under 3 minutes

Has COVID-19 made you unsure about managing the risks of owning an investment property? This article will update you on what landlord insurance will and won't cover in light of COVID-19. And, a forewarning, there are a lot of grey areas.

Landlord insurance is shorthand for building, contents or rental cover, or a mix of these for a property you rent out. The 'contents' in the property you rent out are the fixtures such as carpet and floor coverings, light fittings, appliances and window coverings. This doesn't cover your tenants' possessions.

Builders’ Insurance – why you should consider annual policies

Builders come in all shapes and sizes. And not just physically.

It doesn’t matter if you’re an owner/builder, builder, sub-contractor, employ two people or have 2000 employees relying on you, you need to have the correct insurance in place.

As builders and their projects are all different, so are the insurance packages on offer.

Not sure what to do? We’ve put on our safety hats and we’re here to help

Dry Hire Insurance and how to ensure you're covered

Does your business hire out equipment? You know that the potential loss or damage to your machinery and equipment will be costly, so making sure you have suitable insurance for your dry hire business is extremely important.

Working from home - are you covered?

Right now, working from home has become the new norm. We understand you’ve got a lot on your plate – you may suddenly be sharing a workspace with your partner. Have kids at home. Are having trouble getting basic items for your family. And you may even have unexpected money issues.

That’s why it’s more important than ever to ensure your home and contents insurance policy will cover your changed circumstances.

Public & Products Liability at a glance

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. 

Contract Works Insurance at a glance

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.

Why is it important to list all business activities on your insurance policy?

When it comes to your insurance, you need to make sure that not only do you have the correct policies set up, but they are tailored to cover your particular needs. 

What insurance do contractors and sub-contractors need?

As a business owner, hiring a contractor or sub-contractor can be handy for seasonal peaks or one-off projects. A contractor means any person or business you hire on a contractual basis and is not your employee. 

Commercial Landlord Insurance - don't rely on a tenant to protect your assets

It’s common in commercial real estate leasing for a tenant to pay various outgoings related to the building and its use for the term of their tenancy. But is it a good idea to leave the responsibility of insurance coverage to them as well?

Insurance and Small Business

In this edition:

• WorkCover Insurance
• Public Liability
• Equipment and Tools of Trade