Welcome to Austral Risk Services risk and insurance news

17 May 2022
Using Commercial Vehicles? What You Need to Know About Insurance
Commercial Vehicle Insurance
The difference between insuring your work vehicle(s) under personal or commercial cover may not appear much, but the deeper you look, the more they diverge.

Here’s why it’s important to know what distinguishes these policies. This will help you secure the correct cover to protect your assets.

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Digital transformation through artificial intelligence, automation, data analytics, and cutting-edge technologies are helping shift Australian manufacturers into the fourth industrial revolution. But the benefits of advanced manufacturing come with more significant risks - especially from cyber risks.

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04 May 2022
Why manufacturers need to do more about cybersecurity
Cyber Risk and Cyber Insurance
04 May 2022
Have You Got the Right Insurance Cover to Match your Business Growth?
Business Insurance
Businesses are constantly changing and growing, so if your business is enjoying a growth spurt, congratulations.

But a changing business climate often means new insurance requirements.

Here’s what you need to do about your insurance cover to ensure your business has adequate ongoing protection. This will help reduce your risks of being over or underinsured.

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Many people know that an insurance broker can compare different insurance products and provide advice to help you choose the best cover for your unique needs. But the value of a broker extends far beyond insurance placement. This has been demonstrated recently with the natural disasters Australia has seen.

From bushfires to floods, having a broker by your side during the claims process proves invaluable.

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28 April 2022
Insurance brokers are here for you in a claim
Claims Management
18 April 2022
Know your Obligations as a Commercial Property Owner
Commercial Property Insurance
Whether you’re a hands-on commercial property landlord or delegate the duty to a property manager, it’s always timely to refresh your understanding of responsibilities. This article focuses on non-retail commercial premises.

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Flexibility is the main reason Australian businesses hire contractors. However hiring and managing contractors opens up a new suite of risks for your business. Here are some of the risks you need to consider.

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01 April 2022
What You Need to Know about Working with Contractors
What are the risks?
25 March 2022
The War in Ukraine
How the war impacts your business insurance
Russia's invasion of Ukraine is set to have severe repercussions in Australia. Businesses are now at a higher risk of cyber attacks, increased commodity prices for imports and exports, inflation and pricier insurance premiums as a result of the attack.

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New Work Health and Safety Legislation will be implemented in Western Australia on the 31st of March 2022 that businesses must comply with.

If you’re a person conducting the business or undertaking (PCBU), you must ensure workers’ and others’ health and safety. That includes if you are a sole trader, self-employed, a partner or you lead a company or organisation.

Here's what you need to know.

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17 March 2022
SME's Are you WHS 2022 Ready?
Work health and safety duties for small businesses
17 March 2022
People Risk - WA's WHS Act
The legal implications for Employers or PCBUs
Barry Nilsson Lawyers have prepared the following information on the Work Health & Safety Act in Western Australia for WHS Total Solutions, the wholly owned subsidiary of Austral Risk Services.

We asked them to provide information around industrial manslaughter, penalties and insurance with Western Australia's new WHS Act.

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As a tradie, you know trying to operate without the tools of your trade is impossible.

While you may already have an excellent security system in place, it's easy to let things slip and not implement the latest technology and updates in theft prevention.

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22 February 2022
Stopping Tool Theft in Your Business
Tradie Insurance
24 January 2022
Travelling for business?
Here’s what you need to know in the pandemic
State and national borders have progressively opened since 1 November. But it’s a new world order for corporate travel. That includes transient travel and trips for meetings, incentives, and conferences. What's the best way to navigate corporate travel in 2022?

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It’s now two years since the COVID-19 virus appeared and we’ve now got some solid trend data about its impact on accidents and insurance claims.

There’s been an increase in workers’ compensation and business interruption claims as well as catastrophe insurance, but a dip in general insurance claims. That’s partly due to government-imposed lockdowns, physical distancing, economic uncertainty and disruption to our lifestyles.

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20 January 2022
COVID Impact
The effect of COVID on insurance claims
03 January 2022
Reflecting on Australia’s natural disasters of 2021
What does a catastrophe mean for insurers
Australia has had more than its usual share of natural disasters in 2021. Sudden events such as floods, fires, earthquakes, cyclones, and hailstorms have been prevalent.

But what you think of as a disaster might not be the same in the insurance sector.

When the Insurance Council of Australia declares a catastrophe, it escalates and prioritises the insurance industry's response to support policyholders impacted by the disaster in question.

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At Austral Risk Services, we love books. In 2022, we're launching our Business Book Club for clients and our Austral community. Our first book for discussion is the classic Stephen Covey’s 7 Habits of Highly Effective People. Please feel free to contact us if you're interested in taking part.

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21 December 2021
Stephen Covey’s 7 Habits of Highly Effective People
ARS Business Book Club
02 December 2021
Cans for Christmas
Supporting Rotary and Foodbank WA
Austral Risk Services team is supporting Cans for Christmas run by Rotary for Foodbank WA. Last year this initiative resulted around 10,000 meals for people in need in WA.

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