Blog

From cost of capital to supplier pricing, financial pressures are mounting for SMEs in 2025. Discover practical tips to manage costs and stay resilient through uncertainty.

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Discover the biggest threats facing Australian SMEs this year and proven strategies to turn challenges into competitive advantages. From cybersecurity to cash flow we've got you covered.

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A robust succession plan for your family business is more than legal paperwork. It balances family dynamics, long-term financial health, and the everyday pressures of running a business. Discover how to protect cash flow, maintain client trust, and build resilience so your SME stays strong and opportunity-ready through generational transition.

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Going serverless doesn’t erase risk for SMEs; it only shifts it into new and often overlooked areas. Cloud outages, privacy breaches, IP disputes, and supply chain failures can still strike hard. Too often, standard policies don’t cover these realities. Learn how tailored insurance closes the gaps and keeps your business running strong.

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With pests, diseases, climate shifts, and global trade changes all fuelling higher biosecurity risks, Australian SMEs face unprecedented pressures. Discover the practical prevention tools, on-farm protocols, and tailored protection strategies that can safeguard yields, protect market access, and keep your business strong all year round.

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A lot can shift in twelve months. If you’ve moved, grown, bought equipment ,or changed how you operate, your insurance might be out of date. Many Aussie SMEs are underinsured or might have cover that overlaps without realising it. A short risk health check can help you avoid unwanted surprises and give you confidence heading into the next quarter.

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Spring is the perfect season to refresh your SME and set the tone for the rest of the financial year. Use our 7-step checklist to review stock levels, sharpen supplier relationships, declutter both physical and digital spaces, and refresh your cover. A little effort now creates focus frees up cash flow, and helps your business grow with confidence.

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Artificial Intelligence is reshaping the Ag landscape for 2025. From monitoring weather risks and boosting soil health to automating tasks like sowing and harvesting, local farms are seeing real results. Discover the digital leaps that can lift your farm’s efficiency, profitability, and sustainability for years to come.

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Claims farming is unethical and illegal in many parts of Australia. Learn what red flags to watch for, what the new laws say, and how we can help protect your SME’s good reputation.

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Inflation, disasters and supply chain pressures have driven rebuild costs sky high. Yet many SMEs haven’t updated their sums insured in years. This article explains how underinsurance exposes you to out-of-pocket losses and offers practical steps to review and right-size your property cover.

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AI is streamlining workflows and sharpening business decisions, but it’s also introducing new risks. From cyber breaches to bad data and executive fallout, this article breaks down what could go wrong when AI is involved and how working with your broker can keep your cover as smart as your tech.

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Surveillance tools can help SMEs boost productivity, prevent internal theft, and meet compliance obligations. But if used incorrectly, you risk breaching employee privacy laws or making claims that your insurance won’t cover. Learn how to navigate grey areas and why your broker or adviser should be part of the planning process.

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Think the cyclone pool means lower premiums? It’s more complex than that. For SMEs in cyclone-prone zones, risk exposure, infrastructure, and location all factor into your policy. This explainer breaks down how the pool supports your cover.

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One truck accident caused $2M+ in damage. Cyberattacks are hitting harder than ever. Flood claims are mounting. This article unpacks the unseen risks facing Aussie SMEs and why now’s the time to review your policy, spot your exposure, and work with a broker or adviser who can help you stay protected and ahead of fast-evolving threats.

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Thinking of using AI to shortlist your next hire? This article explores what could go wrong, from unconscious bias to missing discrimination protections. Also, we look at why SMEs should review their risk exposure before leaning too hard on tech to pick the perfect candidate.

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Serious building defects are more common than you think. From legal changes to insurance gaps, here’s what Australian SMEs need to know to avoid getting stung down the track.

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SMEs now compare your service to the best digital experiences. Discover how personal, seamless interactions are the real loyalty driver and how we, as your broker or adviser, are stepping up.

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From mortgage to maintenance, rental income often isn't the full story. Managing an investment property isn’t just about collecting rent. Here’s what you need to budget for—from council rates and repairs to insurance and vacancies. Aim to stay a step ahead.

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Even small-to-medium-sized operators face real risks from silica dust. Learn how to protect your team, check your insurance, and meet your legal obligations.

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The Australian Tax Office’s benchmarks compare your business to peers, helping you spot cost-saving opportunities, adjust pricing, and avoid scrutiny. Learn how to use this tool for growth.

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Seasonal help is essential, but so is compliance. Here’s what to know about hiring migrant and casual workers for your farming operations legally and safely—and how insurance fits into the picture.

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As economic tides shift under Trumponomics, local businesses face new financial risks. From trade to insurance, learn where you might be exposed.

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Which small business sectors are set to thrive in 2025, and which ones are slowing down? Discover key trends shaping the Australian SME landscape and how they may impact your business success.

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Healthy soil means healthier crops, better livestock, and stronger profits. Discover how regenerative agriculture works, why more farmers are making the switch, and what risks to consider.

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After Cyclone Alfred, thousands of insurance claims are rolling in. Get the facts on flood coverage, common exclusions, and how to lodge stronger claims. Learn how to be prepared, whatever the weather.

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The housing crisis is now Australia’s top social issue, affecting workforce retention and business stability. Discover actionable strategies to help your SME navigate this growing challenge for staff.

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Weather forecasts aren’t as reliable as they once were. Learn how SMEs can shift from relying on predictions to building resilience and planning for uncertainty in a changing climate.

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The recent Australian Signals Directorate Cyber Threat Report highlights SMEs biggest risks. Learn how to protect your business from evolving threats & lift your cyber resilience.

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The LA wildfires cost $450B, but only a fraction of properties was insured. This could push Aussie insurance premiums even higher. Here’s what SMEs can do to prepare for rising costs and risks.

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Your investment property is a valuable asset. Discover how landlord insurance can protect against risks like damage, loss of rent, and liability, giving you confidence in your property’s future.

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Chronic diseases are a growing challenge for Australian businesses. Learn about their impacts on productivity, legal considerations, & how proactive management can protect your workforce and profits.

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Discover the ACSC’s Essential 8 principles to safeguard your business from cyber threats. Learn how they can be part of your arsenal to protect your data, systems, and reputation.

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With fire seasons growing longer and floods increasing in the north, SMEs face mounting challenges. Discover actionable steps to safeguard property and operations from climate-related risks.

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Artificial intelligence can improve efficiency, but what about your team’s wellbeing? Learn how to integrate AI without risking mental health or job satisfaction in your workplace.

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Soaring home building costs are putting budgets under strain. Understand the key drivers and what homeowners, businesses and tradies can do to adapt to the changing landscape.

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Wellbeing programs were everywhere in 2024, but were they effective? Explore what worked, what didn’t, and how your Australian SME can refine its approach to employee wellness this year.

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Discover the ACSC’s Essential 8 principles to safeguard your business from cyber threats. Learn how they can be part of your arsenal to protect your data, systems, and reputation.

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The Fair Work Ombudsman’s custom IR advice requests are spiking as more businesses seek help navigating complex workplace issues. Find out what’s driving this demand & what it means for your business.

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Preparing your business for 2025? Start by reviewing your insurance coverage. Learn about the top considerations for SMEs to keep you protected against the year’s potential challenges.

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Apprentice hazing in trades is outdated and harmful. Learn why ending this practice strengthens teams and boosts job satisfaction, plus ways to create a better workplace culture and stay compliant.

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Christmas gifts are valuable, but are they insured? Discover the best ways to protect your holiday presents and avoid disappointment if the unexpected happens this festive season.

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Australia’s truckies face daily dangers on the road, from long hours to inadequate safety measures. Are we failing them when it comes to protection? Let’s explore what’s being done – and what’s not.

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Rising flood levels are a growing concern for property owners. Having the right insurance can help you manage the financial impact of flood damage and protect your home from devastating losses.

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From liability claims to property damage, the risks in real estate are everywhere. Insurance gives you peace of mind by covering your business assets, so you can focus on growing your client base.

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Maintenance or innovation: Which should your SME focus on? Learn why both are essential for success and actionable tips on how your business could get the balance right.

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Sales of electric vehicles (EVs) in Australia have reached a milestone – for the first time, more than 50,000 in the first six months of a calendar year.

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Sales of electric vehicles (EVs) in Australia have reached a milestone – for the first time, more than 50,000 in the first six months of a calendar year.

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Geopolitical risk has become a major focus for businesses of all sizes, including SMEs.

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Truck drivers are the backbone of Australia’s economy, ensuring that goods are transported efficiently across the country. From construction materials to groceries, the work of our 200,000 truckies keeps everything moving. 

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Money laundering is a growing concern in Australia, and professional services firms are often caught in the crossfire.

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From streamlining operations to boosting customer service, AI offers a tonne of potential and risks.

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How can you be better prepared for natural disasters, including bushfires, floods, cyclones and storms?

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As spring arrives, Australians are eager to embark on their travel adventures, both domestically and abroad; for business, leisure or both – often known as ‘bleisure’.

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The hospitality sector is regaining lost ground after the pandemic, with businesses having re-opened, some pivoting and travellers eager to explore. However, despite the resurgence, that’s not uniform and there are bumps in the road. And, it’s yet to return to pre-pandemic levels for all metrics.

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From streamlining operations to boosting customer service, AI offers a tonne of potential and risks.

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Australian crop farmers are already resilient, but there's more to consider than just environmental issues and climate change.

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An insurance underwriter plays a key role in the insurance world, especially for businesses. We simplify the process of dealing with underwriters, so it’s easier for your SMEs to secure the most appropriate coverage.

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From streamlining operations to boosting customer service, AI offers a tonne of potential and risks.

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When you're in the thick of an IT project, the last thing you want is for things to go pear-shaped because you didn't foresee the risks.

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Farm equipment is the lifeblood of Australia’s agricultural industry. From tractors and combines to irrigation systems, these machines are essential for ensuring productivity and efficiency on the farm.

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As a small business owner, you might be overwhelmed working out what your risks are, how to deal with them, and which need insurance coverage. Insurance is a vital investment in your business’s stability and growth can protect against unforeseen financial setbacks and ensure long-term success. Let us help you through the insurance selection process.

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Running a small business is tough enough without worrying about getting scammed. However, criminals are increasingly targeting small business owners, including when it comes to insurance. They may act online, in person or via the phone. This article will detail different types of insurance scams targeting businesses like yours and how to protect yourself.

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By removing barriers for individuals with disabilities, workplaces can unlock a wider talent pool and foster a more equitable environment where everyone thrives.

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Whatever your demographic, these nine common pitfalls are useful to consider before you tip your toe in the water of property investing. Apprehension is normal, so aim to be well-informed, understanding the risks and how to manage them.

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Lithium-ion batteries are increasingly dominant in Australia and globally as a form of rechargeable battery technology. They are used across various industries from light to heavy.

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Farmer fatigue is a complex interplay of physical and mentor factors. They include physical exertion, long work hours, mental stress, sleep deprivation and social isolation. Reduce the risk of having to call us about a Workers' compensation or Accident & Illness insurance claim. Your wellbeing and that of your workers should be your number one priority.

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Australia’s worker shortage affects just about every industry, businesses that hire apprentices or trainees must include them in their workers’ compensation insurance. Make sure yours is current.

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Business travel is expected to remain strong in 2024, with research indicating a boost from sectors like manufacturing, healthcare, mining, oil and gas, professional services and construction. So, if your company has employees travelling for work, ensure you’re protecting both your business and those who travel.

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Australian businesses are getting smarter about managing cyber risks. So, time to get even more serious about cyber risk protection. If cyber isn't part of your insurance, it should be.

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It’s official, Australian governments will stop using cheques by the end of 2028, with the financial system banning them by no later than 2030. Australia has followed a few other countries, including New Zealand, in announcing a cheque phaseout. We’re here to help you stay updated with changes that could impact your business.

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This article explains how an insurance broker’s expertise can optimise your coverage within your budget and risk profile. As your broker, we’re here to help your SME get the best possible outcome for your insurance coverage.

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Boost your risk management strategies with our advice and insurance coverage. Knowing the main risks, and how to better manage them, means you’re better equipped to protect your business. Here are the top five insurance claims Australian SMEs make, according to insurers.

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Managing the shift from summer to autumn is just one aspect of seasonality for hospitality businesses - a key risk for SMEs in this sector. Read on for our insights and research on tips to navigate the challenges.

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A swathe of retail job vacancies, cost of living crisis, and advance of self-serve checkouts are creating a perfect storm of a surge in shoplifting, according to The Australian Financial Review.

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A survey of Australian CEOs has spotlighted what they believe is their top business risk for the next three to five years: cyber security issues.

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Fire and flood catastrophes can often alert farmers they’re underinsured. It can often hit as a double shock. Not having the right level of coverage is more common than you might think. For example, up to eight in 10 bushfire-affected properties may be underinsured, according to the Insurance Council of Australia.

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SMEs face a raft of risks with the ongoing transition to source energy from renewable options. This article will give you a global and national context, explain what you may face, and offer tips on risk management.

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As a transport business owner, you may operate your vehicles in a wide range of environments. Talk to us for guidance on risk management and finding the best-fit public liability insurance for your operations in urban areas now and going into the future.

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Only one in five Australians who have experienced sexual harassment at work make an official complaint about the behaviour. To boost your risk management approach, consider investing in the right type of insurance policy. Typically, your options include management liability, that includes cover for employment practices liability. Draw on our risk management expertise to help review your coverage to ensure it’s the best fit for your current circumstances. Policy terms and conditions can change.

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There’s only so much your professional services firm can do on its own to manage cyber risks. Crucially, it takes businesses from all sectors an average of 204 days to identify the breach, then another 73 days to contain it. Talk to us about how cyber insurance can be part of your risk management arsenal.

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For business owners, Mother Nature’s risks can feel like a looming threat always on your horizon. Natural events are a matter of ‘when’, not ‘if’. Most can be expected and planned for.

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Australians think of medical providers as their front-line defence for health issues, but who’s helping those healthcare practices to stay ‘healthy’?

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Environmental responsibility for manufacturers isn’t just a ‘big stick’ regulatory approach. Help is available for businesses to take the guesswork out of compliance and growing consumer demands for sustainable products and services.

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Australia has about 60,000 registered not-for-profit organisations but do all not-for-profits need insurance?

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After two years of record highs, farm incomes are expected to dive, according to the Australian Bureau of Agricultural Resource Economics and Sciences (ABARES) forecast for broadacre operations.

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The CEO of Master Builders Australia (MBA) has likened the sector to the canary in the economic coal mine as volatility remains high in the construction industry.

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Each year, almost 800 Australians die due to using items that were unsafe due to their production or the way they were sold.

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While supply chains have always been prone to disruption, they have become even less predictable in the wake of the pandemic. There are bright spots and trends that Australian transport and logistics businesses need to watch. Get your risk management strategy and actions in order.

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There is a deluge of legal and insurance claims from ownership’ corporations and individual apartment owners about high-rise construction defects. A UNSW City Futures Research Centre report found defects in 85% of apartments built since 2000. In the firing line are builders and contractors.

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The recent PwC scandal doesn’t only affect the top end of town. There are also plenty of lessons for SMEs about how not to do business. At the crux are the issues of contract breaches, conflicts of interest and professional indemnity. Let’s take a closer look.

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Last month, the Bureau of Meteorology announced the start of an El Niño weather pattern. Our country can, therefore, expect warmer and drier conditions for the next three months at least. What does that mean for you, your assets, and insurance?

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On average, farm cash income experienced a 7% drop in 2022-23, according to ABARES. So, when insurance premiums rise 20% to 40%, as is happening in some parts of Australia in recent times, farmers might think more carefully about their risk management approach.

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Did you hear about the Tradies’ National Health Month in August? It highlighted plenty of strategies and tips on this important topic to use year-round to protect the tradies in your midst and your business.

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It’s less than a year since OpenAI released its (general) artificial intelligence (AI) app, ChatGPT. Since then, it and its alternatives, have transformed how we do business.

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How does your business feel about artificial intelligence (AI)? Is it a friend, foe, or both, particularly when it comes to cybersecurity? A recent Australian conference heard SMEs need to embrace AI or be left behind.

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Bush fire hotspots are relevant year-round, not just during the fire season. Bushfires can impact your business directly or indirectly.

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The cost of living has been a struggle for Australian businesses and households. Added to this, expect home insurance to rise, typically by about 10%.

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Disease can take a huge toll on your livestock and farming operations.

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Resilience skills help businesses in crises, such as during the pandemic, but also outside of those times.

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The frequency and complexity of cyber hacks are rising. Can our nation be the most cyber secure in the world?

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Businesses keen to invest in insurance as part of their risk management approach may notice insurers are pickier about offering cover and premiums are rising.

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Recreational drones have surged in popularity in recent times in Australia, largely because they are affordable, not covered by too many regulations, and don't require the operator to have a licence.

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As a commercial property owner, it is important to understand your responsibilities and ensure that you have the right insurance coverage to protect your property against potential damages.

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Australian builders are experiencing slim margins, but to help with costs, it pays to have a tight rein on your risk management.

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What does it mean for your insurance if your fence is damaged or destroyed? This article prepares you mentally for the process should you need to claim.

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Professional liability insurance – also known as professional indemnity cover – may not be compulsory for your sector. But it could be an investment in risk management worth considering.

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Australian farmers are on tenterhooks with a 50% chance of an El Niño dry weather pattern arriving later this year.

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Is your small business among the one in four that say they’ll go under if faced with a liability claim?

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Supply chain disruptions – shipping issues and computer chip shortages - mean there can be up to year-long delays in accessing new vehicles. It’s, therefore, important to keep your existing fleet well-maintained in the interim.

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Last year’s wetter and warmer weather than average could be a sign of things to come. And that trend is not just because Australian agriculture has endured three La Niña weather patterns in a row.

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According to the Australian Bureau of Statistics, in those industries with the highest rates of injuries, 43% are small business workers.

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Cyber crime is the #1 risk for the nation’s businesses, with an incident reported every seven minutes on average to the Australian Cyber Security Centre (ACSC).

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It’s not just the pandemic that has disrupted supply chains, but a confluence of factors. Globally, savvy companies are using these strategies to boost their supply chains for resiliency ethically.

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Dear Valued Clients, We are pleased to announce GIA Insurance Brokers has purchased Managed Insurance Solutions – Murray Bridge and Aldinga brokerages. Managed Insurance Solutions will officially trade as GIA Insurance Brokers on 10th of March 2023. On that date, our combined company will now have offices in Adelaide, Loxton, Berri, Waikerie & Mount Gambier – Including the newly purchas

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It’s not just the pandemic that has disrupted supply chains, but a confluence of factors. Globally, savvy companies are using these strategies to boost their supply chains for resiliency ethically.

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It’s not just the pandemic that has disrupted supply chains, but a confluence of factors. Globally, savvy companies are using these strategies to boost their supply chains for resiliency ethically.

Read more...

It’s not just the pandemic that has disrupted supply chains, but a confluence of factors. Globally, savvy companies are using these strategies to boost their supply chains for resiliency ethically.

Read more...

It’s not just the pandemic that has disrupted supply chains, but a confluence of factors. Globally, savvy companies are using these strategies to boost their supply chains for resiliency ethically.

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Australia’s agricultural industry continues to weather a wide range of risks, but there are plenty of bright spots on the horizon: animal protein, aquaculture, and oilseeds are the ones to watch.

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The metaverse could be here in 5 to 10 years, so insurers are considering how it could change the landscape for risk management. Cyber security insurance helps keep risk management on your radar.

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Bushfires can hit businesses at any time of year depending on your location, but owners can be lax with preparations. Here’s how to better protect your premises before, during & after a bushfire.

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About 2.4 million households were tenants of private landlords in 2021, according to the Australian Institute of Health and Welfare.

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The value of agricultural, fisheries and forestry production has lifted by 7% over the past 20 years.

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Directors’ and officers’ liability (D&O) insurance is a robust way of bolstering your risk management.

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Construction industry risks are increasing exponentially. And the factors (operational, environmental and contractual) could be internal or external to your business.

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Chances are your business is organising an event for the upcoming festivities. As an employer, your duty of care remains the same even at work Christmas parties.

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It’s official. The disruptive La Niña weather pattern has returned on the tail of two others, according to the Bureau of Meteorology (the BoM).

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It’s official. The disruptive La Niña weather pattern has returned on the tail of two others, according to the Bureau of Meteorology (the BoM).

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Emissions targets for farmers are no longer a guessing game. The Albanese Federal Government announced in June Australia is to cut 43% emissions by 2030 with 2005 as the baseline.

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About one in five Australians reportedly have a mental health condition, and the number is increasing.

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About one in five Australians reportedly have a mental health condition, and the number is increasing.

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About one in five Australians reportedly have a mental health condition, and the number is increasing.

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About one in five Australians reportedly have a mental health condition, and the number is increasing.

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About one in five Australians reportedly have a mental health condition, and the number is increasing.

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Economic uncertainty may have prompted you to reduce, change or cancel your business interruption insurance.

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Economic uncertainty may have prompted you to reduce, change or cancel your business interruption insurance.

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More than 700 federal, state and territory laws apply to business owners, directors and managers when things go pear-shaped in their organisations.

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Employment practices’ liabilities can be expensive, disruptive, and time-hungry to businesses.

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Employment practices’ liabilities can be expensive, disruptive, and time-hungry to businesses.

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Employment practices’ liabilities can be expensive, disruptive, and time-hungry to businesses.

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Employment practices’ liabilities can be expensive, disruptive, and time-hungry to businesses.

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Employment practices’ liabilities can be expensive, disruptive, and time-hungry to businesses.

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Aussie winters bring added challenges to managing the safety of your transport fleet.

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As we've seen with the devastating northern NSW and Queensland floods – and costliest ever - earlier this year, a one-in-1,000-year flood doesn't only occur every millennium.

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As we've seen with the devastating northern NSW and Queensland floods – and costliest ever - earlier this year, a one-in-1,000-year flood doesn't only occur every millennium.

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It’s official. According to the Royal Commission in National Natural Disaster Arrangements, Australia can expect more concurrent and consecutive natural hazard events due to climate change.

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Businesses are constantly changing and growing, so if your business is enjoying a growth spurt, congratulations.

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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.

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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, and you can find out more about the distinction here.

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Critical labour shortages plus escalating materials costs are a spanner in the works for Australian construction businesses.

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The recent NSW and Queensland floods have been extreme and will occur more frequently as our planet warms, according to experts writing for The Conversation.

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Australia's reliance on offshore manufacturing during the pandemic has come under the spotlight.

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Having a hard time getting your houseboat insured? You’re not the only one. If your journey to break free from brick and mortar has been slowed down by the scarcity of — and increase in — premiums, we’re here to help. In our latest article, we explore why difficult to place risk is causing concern for insurers and share some top tips on getting the best cover for your floating home. See for yourself.

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Business interruption policies have been under the spotlight, with insurance claims hitting the courts. This article updates you on what’s covered and what’s not so you can better manage your business risks.

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There are no quick fixes for the current supply chain challenges affecting Australia and the globe, but here’s what some industries are doing to manage the uncertainty and risks.

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If the past two years have taught us anything, it’s that disaster can strike at any time and businesses need to be ready. Help safeguard your operations by creating a business continuity plan today.

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Even the most thorough professional needs protection. Professional Indemnity (PI) helps protect individuals and businesses from costs associated with claims of professional negligence. Discover how PI can protect you.

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The rate of change in the agriculture industry is unstoppable, fuelled by technological innovations while challenged by environmental uncertainty. Will the future of farming be a blend of old and new? Or will the farms of tomorrow be unrecognisable? Our latest article explores just that, by looking at 4 trends that are shaping the future of the industry. Take a look.

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Managing the insurance needs of company vehicles can be time-consuming. It’s time to think about fleet insurance.

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With insurance premiums expected to continue rising this year, there’s a range of strategies businesses can harness to minimise the increase. You’ll also find out why premiums are on the up.

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Bringing staff back to the workplace isn’t necessarily about hitting the ‘reset switch’. As we continue to navigate the pandemic, there are a number of insurance and risk considerations to factor in when managing a safe return to work for your business.

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Is your business making these 5 common assumptions about its insurance cover? Find out what’s covered and what’s not so you can better protect the risks to your business sustainability.

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Preparing our homes for bushfire season is just a regular part of our yearly routine. But what about our businesses? Being prepared can improve recovery — helping you bounce back faster, while the unprepared remain closed. With that in mind, our latest article explores the factors fuelling Australia’s bushfires and how you, as a business owner, can prepare for what’s to come.

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As an owner or tenant of a commercial property, it’s good to remind yourself of the risks that arise when you close for the upcoming holidays. Here’s how to manage risks, including safety and damage.

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There have been plenty of natural disasters in Australia over the past year or so. Find out about the aftermath of insurance claims and what helps you fast track a catastrophe claim.

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Guessing your property’s value, or deliberately insuring it for less than the total replacement costs can cause problems in an insurance claim and can leave you significantly out of pocket if there’s a total loss. Here’s how an accurate valuation reduces the risk.

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Described as a practical and actionable roadmap for reform, the 2021 Australian Infrastructure Plan is about sustainability, connection and economic recovery through uncertainty. What’s in it for you?

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In a variety of circumstances, it will be lawful and reasonable for employers to require part or all of their workforce to be vaccinated against COVID-19. Find out which employees you can direct to be vaccinated and how to implement a workplace vaccination plan.

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Comparison websites for insurance seem like an easy way to get best-fit cover, but there are pitfalls. Check out the benefits of using an insurance broker – you’ll save time, money and hassles.

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Next time you sign up for or renew your vehicle insurance policy, take a look at the fine print when it comes to repairers. ‘Choice of repairer’ and the insurers’ ‘preferred repairer’ can be easily confused.

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Make sure you review your insurance cover for better risk management in the lead-up to and during this year’s festive season.

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From bushfires to pandemics, emergencies and disasters can strike unpredictably, fogging our future and driving panic. We all prepare for disasters differently, but new research shows there are four types of disaster preppers – and the distinction matters. Find out which disaster preparedness type you are.

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The Federal Government’s plan for a COVID-19 Vaccine Claim Scheme hands health professionals more certainty and less risk in administering vaccines. It creates a no-fault claims process for patients.

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The recent Victorian earthquake has helped prompt businesses to be better prepared for the next one. Here’s how you can build resilience among your team and for your premises.

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Bushfire season is here and as well as making sure your evacuation plan is in place and well-rehearsed you need to ensure your business and assets are properly protected. Talk to us today.

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This article presents a simple Risk Management model to consider.

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Offering telehealth services may make a lot of sense for your health provider business, but have you reviewed your strategy for the extra cyber security risks?

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As a construction contractor, your plant and equipment are the lifeblood of your business. But how can you best manage the risks whether your gear is on your premises, on a work site, or in transit?

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Now, more than ever, business leaders can be held responsible for a wide range of corporate issues. In an increasingly litigious world, your company’s officers and board of directors are personally at risk to incur financially crippling lawsuits. Even in a company with limited liability status, personal liability is unlimited. With directors and officers (D&O) liability insurance, you can turn your attention to acquiring the best talent and running your company, instead of worrying over protracted litigation. Find out more:

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Intellectual Property can often be more valuable to your business than its tangible assets. To contest a typical small IP case, with damages below $1 million, expect to pay $250,000 for discovery and a further $700,000 in trial costs. Here's how to cover yourself.

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The road transport industry has been named as a national workplace health and safety priority. That’s due to a high fatality rate – 583 in the 12 years to 2015. So how can road transport companies reduce their risks when it comes to safety on site, on the road, or in the office?

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Underinsurance can mean that a bad situation quickly spirals into a disaster. Whether it's home, business, vehicle or otherwise, your current policies may be inadequate for your needs. So, if you’re taking a risk by leaving yourself underinsured just to save a few pennies, you might want to consider how you’d fork out the added costs should you need to make a claim. Luckily, knowing how underinsurance occurs, the risks involved and how to reduce them can help you get adequate cover in place to protect your pocket. Take a look at our latest advice to sidestep the unnecessary trouble of underinsurance:

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Building costs have risen more than most people realise. Make sure your property isn’t underinsured and exposed to unnecessary risks.

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The economic cost of unsafe consumer products causing deaths and injuries is an estimated $4.5 billion each year. Here are some of the most infamous product liability cases from around the world and what your business can learn from them.

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About one in ten of us are landlords, compared with one in 15 about two decades ago. And, the latest Census shows about a third of Australian households rent. Find out what’s happening with regulations in your state or territory.

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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. Find out why your business is stronger when your managers’ risks are covered.

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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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Adjust the way your business operates – pay on time, go green and cancel unused services – and reap the rewards in reduced costs.

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Whether it be sugar and starch, cotton or corn, crops are key in providing food for humans and fodder for livestock. We’ve got farmers to thank for the clothes on our back and the food on our plate. But the journey from farm to table can be a bumpy ride, which Aussie farmers know first-hand.

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No business wants nasty surprises. So, when an adverse incident means you need to claim on your insurance policy, we will manage the process on your behalf. Here’s a six-step overview of what happens from go to whoa once we lodge a claim for you.

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Unreliable equipment can be the death knell for a business, with the costs of equipment failure and downtime tricky to accurately predict and calculate. Here's how to minimise the costs of equipment breakdown.

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From hand tools to power tools, machinery and beyond, tradespeople know the drill when it comes to the importance of their equipment. Whether you’re a plumber with a belt carrying spanners and screws, or a brickie with a cement mixer and trowel, your tools are your mighty asset. But, with great power comes great responsibility - and working with a range of tools can increase your safety risks as a tradie.

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As the temperature dips, how prepared is your business for winter operations? We’ll outline the range of risks the colder weather brings and how to minimise them.

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The secondhand economy - not just for business equipment - is expected to hit $46 billion in Australia this year. If you're considering buying pre-owned, here's what you need to know about insurance.

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Underinsurance is more common than you think. Industry figures show up to 62% of small-to-medium-sized businesses don’t have correct-value insurance. Here's what you need to know.

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If you’re a business owner, then you’re probably tuned in with the fact that contents insurance for burglary, extreme weather events and accidental damage is a necessity for protecting your company’s assets from the unexpected. But, if a flood struck your premises, not only would it damage your contents, but it could also cease operations from your workplace. You’re likely to get help paying for damages through your content’s insurance, but what about the loss of earnings incurred? That’s where business interruption insurance comes in handy.

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In an unpredictable business environment, such as during the COVID-19 pandemic, it can be difficult planning to eliminate, minimise or control risks to your operations. This article offers four types of insurance that can help you deal with uncertainty.

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The COVID-19 pandemic has changed the way Australia works. Remote working, flexible hours, casual attire, an expansion of e-learning and a resilient business model have become the new normal.

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Having an insurance broker in your corner can give your business tailored insurance policies to suit your needs. With all the know-how needed to support individual clients, the value of a broker goes above and beyond that of a price comparison website.

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Workplace health and safety regulations cover mental health too. Find out how to support employees – and yourself – psychologically, through COVID-19 and beyond.

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