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Articles in Business Insurance

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13 November 2021
Recognised for Excellence
Excellence Awardees for Insurance Awards 2021
Austral Risk Services have been recognised as Excellence Awardees (or finalists) in two categories of the Insurance Business Australia Awards 2021 - Brokerage of the Year (6-20 staff) and Best Customer Service from an Individual Office.

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Can you spot a personal or email scam? Take this quiz from the Australian Cyber Security Centre – it’s harder than you think.

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10 November 2021
Can your or your employees spot an online scam?
Take this simple quiz from the ACSC
28 October 2021
Priority insurance policies for the construction industry
Here's what you need to know
That’s a lot of risks your construction business needs to manage, so here are five insurance policies popular with construction companies. In this article, we’ll explore construction works, product and public liability, business vehicles, material damage, and workers’ compensation.

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A management liability policy protects your company and its directors, managers, and officers against claims and costs resulting from mistakes management makes. It focuses on breaches of their responsibilities under the Corporations Act.

The kind of companies that need management liability insurance are typically businesses with employees or that operate in a regulatory environment.

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17 September 2021
How Management Liability Insurance Gives Your Business More Power
Protection for your company and its people
16 September 2021
Learn More About Commercial Property Insurance
Protect your commercial building or premises
Commercial building or business property insurance is designed for for non-residential properties – factories, warehouses, shopping centres, and whole unit and apartment blocks. It helps protect your commercial building or premises from damage or significant loss.

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The insurance market is a ‘hard’ or sellers’ market right now. So, what does that mean, and what’s the likely impact on your business?

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11 August 2021
What does a hard insurance market mean for your business
Business Insurance
04 August 2021
The most infamous product liability cases from around the globe
Business insurance
Product liability insurance is necessary to protect your business from the risk of your products causing a third party to suffer a personal injury or property damage.

Learn the ins and outs of product liability insurance here.

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Now that Australia seems to have steered out of a short-term pandemic recession, a strong economy is the flavour of the moment. More than eight in 10 Australian CEOs expect organic business growth this year, according to a PwC survey.

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21 July 2021
Growing your Business Insurance
Protecting your business as it grows
21 April 2021
Claiming insurance for a catastrophic event
What to do after a cyclone hits
Australia has experienced its third catastrophic event in 2021 with Tropical Cyclone Seroja. As these events seemingly become more commonplace, it's good to know what you need to do from an insurance perspective if an event like this affects you and your business. Here's a handy checklist form the Insurance Council of Australia.

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Some new businesses underinsure, or shirk insurance altogether, but managing your risk profile is a top priority. Managing your business risk and having the right business insurance in place can be key to your small business survival.

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17 February 2021
SME Insurance
Risk and insurance for your new business
12 October 2020
How Tik Tok data security is relevant to your business
Cyber Risk
The concerns about Tik Tok's client data security is also relevant to your business - how secure is your client data?

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It is an increasingly litigious world and as a result Management Liability (Directors and Officers Liability), insurance premiums are increasing, excesses are increasing and terms becoming more restrictive overall.

In this article we discuss the pressure on premiums and what businesses can do to over come this.

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24 September 2020
Why the pressure on premiums
Managing Management Liability and D&O premiums
17 September 2020
Working From Home Challenges
Workers Compensation
COVID-19 has thrown employers a mountain of challenges and changes. One change that has happened and may be here to stay for some businesses is Working From Home (WFH).

This article reviews the implications for Workers Compensation for WFH.

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Over 98% of all Australian businesses would be classified as small business. They really are the backbone of Australia.

In our experience, we find that many small businesses do not have the right insurance cover in place to protect their business.

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09 September 2020
SME Business Insurance
Making sure you have the right business insurance
12 August 2020
A Global Insurance Hard Market
How this impacts your business insurance
Recent natural disasters and the unprecedented pressures resulting from COVID-19 have resulted in the global insurance market currently experiencing a Hard Market.

What does this mean for your business.

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