Blog

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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In respect of your insurance cover, what issues are currently causing you the most concern? Answer that question – and just a few more – to be entered to win an Xbox Series X.

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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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As technology advances, the landscape of business risk is changing. Companies are more exposed to crime than ever, which can lead to serious financial and social repercussions. Here’s how you can mitigate your risks with an effective crime insurance policy.

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The Australian car market has been fluctuating since the start of the pandemic, with new car sales recovering in recent months. Following a pretty miserable year in 2020 for the Aussie new car market, 2021 has kicked off with a positive. An 11.1 per cent positive, to be exact, compared to this time last year. Aussies nationwide are upgrading their ride, choosing out with the old and in with the new as electric vehicles (EV) and SUVs grow in popularity.

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Farm vehicles such as quad bikes cause the most fatalities on farms. They’ve killed more than 280 people in the past two decades. But there are many more machines on rural workplaces than quad bikes. Have you checked the oil on your risk management strategy?

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In hospitality? Your business faces a range of industry-specific risks including food contamination or spoilage, burns from hot surfaces, and equipment breakdown. Here's why tailored insurance is a recipe for success.

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Does your office productivity need a New Year kick-start? Here are some proven strategies to boost office morale and efficiency.

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The 2020-21 Federal Budget has been described as reactionary, short term and expansionary. But what does it mean for your agribusiness? Here are the highlights and lowlights, plus the update issued just before Christmas.

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As the owner of a residential strata property, you might think your strata or body corporate fees cover your share of the premium costs of insurance, so you won’t need to buy extra insurance. But, do you know what residential strata insurance does and doesn’t cover?

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Sole traders enjoy the "simplest and cheapest business structure", according to the Australian Government Business Register. You're in full control. You make the business decisions. But there are also a range of risks you need to be aware of.

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Heavy commercial transport helps keep our economy running smoothly, but there’s a lot that can go wrong if you’re running a transportation business. Are you up on the risks of heavy commercial transport?

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The right business asset protection strategies can help safeguard your personal and professional wealth against unexpected claims and liabilities. As your brokers/advisors we can help keep you covered.

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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 now that the COVID-19 pandemic has arrived.

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Boat life gives owners a unique sense of freedom, relaxation and bliss. Being at one with nature presents calming characteristics, but as Australians we know that Mother Nature isn’t always in high spirits. There are various hazards that, if you don’t take steps to avoid, you can find yourself in some real sticky (and wet) situations. Maintaining boat safety while onboard your vessel is a top priority, whether the water is your weekend getaway spot or your forever home, it’s a-boat time you familiarised yourself with some important safety tips.

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As a business owner or manager, paying attention to legal and regulatory basics can save you a big headache down the track.

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Goods lost or damaged in marine transit is something no business wants to experience. So, whether you’re looking to protect your risks with your goods moving within Australia, or cover exports or imports, marine transit (also called cargo) insurance could make sense.

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What’s best for your business - buying your insurance cover directly or through a broker/advisor? These are the surprising differences and the pros/cons of both.

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If one thing’s for sure, the Australian agriculture industry is one tough cookie, having developed great resilience from the extended drought, devastating bushfires and the current COVID-19 global pandemic. Being a farmer is unpredictable at the best of times and being an Aussie farmer can be even more complicated. In the immortal words of Forest Gump - “(Farmer) life is like a box of chocolates. You never know what you’re gonna get” - or something along those lines. We take a look at the current situation for farmers, the impacts of the pandemic, the sources of help available to farmers and how you can manage your risk to protect your farm.

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What will the next storm bring to your business? Stop the guesswork & start your plan with this checklist.

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Economic uncertainty may have prompted you to reduce, change or cancel your business interruption insurance. That’s a natural reaction in these uncertain times. However, it's important to know how that could impact your business and possibly come back to bite you.

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Bushfires can wreak havoc and cause damage and devastation. Defend your business by getting prepared, having a plan and ensuring you have the right coverage to financially protect your assets.

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Smart manufacturing businesses have protected themselves for these risks - are you one of them?

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Given the current climate, we want to make sure you prevent a breach of your current insurance cover, whether it be domestic or commercial. The global pandemic has led to business closures and travel restrictions, which has left many building unoccupied for the foreseeable. If your current insurance policy has unoccupied or security conditions, you may be required to take weekly visits to the property, switching off gas or electricity and ensuring that your letterboxes are sealed. Many insurers are relaxing their unoccupancy clauses and policy requirements due to COVID-19, but you’ll need to double check to prevent any trouble.

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As with all sectors, insurance has been profoundly impacted by the recent global crisis. What are your plans for growth beyond 2020? Let us know in this quick survey. Enter Now    

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Australian businesses have been urged to recognise the significant level of ransomware threat from cyber adversaries. Scamwatch has received over 3900 scam reports mentioning the coronavirus with over $3.1 million in reported losses since the outbreak of COVID-19. Ransomware acts as a method of extortion, locking a computer’s content and displaying a message requiring victims to pay a ransom in order for them to regain access. The emails delivering ransomware to Australian victims often mirror the branding of trusted and reputable corporations as part of their techniques.

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Providing peace of mind.

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We’re excited to announce our new website is live! For those of you who don’t know us, GIA Insurance Brokers are a proud South Australian, family owned business that was founded in 1999. We have come a long way, extending our footprint from Adelaide metropolitan to various locations in the South East and Riverland. We are the experts providing tailored insurance solutions to meet all of you

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Running a business can be an exciting prospect, especially if you’re providing provide useful goods and services to your community, creating employment, and serving as a podium for your personal creativity. However, it’s no secret that business can be risky. That’s why successful businesses use a diversity of business insurance covers to manage and reduce their risks.

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Whether you’re a permanent houseboat resident or not, we understand the uniqueness and importance of your floating pride and joy. Our experts in houseboat insurance also know how difficult it can be to source relevant information surrounding houseboat insurance, and we’re pleased to be able to offer answers to some of your important questions.

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There's a lot of news coverage, information and misinformation out there on COVID-19/Coronavirus and the effects of the global pandemic, including about insurance and risk management. We have a number of good industry resources that have put out updated, factual articles on insurance and business continuity measures that we found useful and worth sharing. So from our business to yours, please find below a summary of what we know, how we are responding as a business and an industry to the impacts of the coronavirus and also some programs available that might be beneficial.

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Farms in Australia are exposed to a variety of risks and a risky climate is forecast for the future but there several solutions to protect your farm and mitigate climate change risk.

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Living in Australia, we're all too familiar with the term bushfire, but working out how to protect ourselves isn't an easy task, and with climate change being such a hot topic right now, what are the risks and how can we keep ourselves, our animals, and our property safe?

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Some of the scariest cyber attack headlines have been around large, well known companies, but the majority of attacks have actually been targeting small to medium size businesses.

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Just ten years ago, less than one percent of small or medium sized businesses had any type of management liability insurance or directors' and officers' insurance (these are considered financial lines insurance). Now, and with more and more companies facing litigation in connection with management risks and exposures, management liability insurance is now considered a ‘must have’ for Australian businesses.

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One of the most frequent types of questions we get as insurance brokers is around travel insurance.    So we decided to create a checklist of the more common scenarios that clients might be wondering about - check it out!

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Do you have a good understanding of travel insurance, or do you find it confusing and a bit of a hassle? We could have good news for you. There’s a relatively new option on the market, TravelCard which is a real-time travel insurance option. AND, GIA can help organise the TravelCard insurance solution for you!

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As a small business owner, you know your business is you and your family's livelihood. Protecting it properly essentially helps to protect your financial future and provides you peace of mind so you can focus on growing your business. The risks you face come in a wide variety - some of which you can mitigate, while others are unpredictable and unpreventable. These events could cause damage to your ability to operate, or your property, or worse, to people. Many small businesses won't financially survive a significant event with only the resources on hand, and that’s where insurance is designed to function as your safety net.

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Did you know that if you own a rental or investment property you may need a different insurance solution to your normal home and contents policies? And renters/tenants - did you know that your home and contents are not likely to be covered by your landlord's insurance solution? If the answer is no to either of these questions, read on and make sure you have a chat to your insurance broker about your situation to ensure you don't have gaps in your insurance solution.

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We've all experienced some side effects of the recent heatwave across our great state - sleepless nights, occasional power outages as our power grid struggles to keep up with our air conditioners, cars, people and animals overheating and getting sunburned... but did you know grapes could get sunburned, too? With some record breaking warm weather, there are additional risks that the vines could die or grapes can shrivel prematurely (the cells inside the grape start to die, reducing the grape's capacity to hold water) or burn in the hot sun.

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The SA government has introduced a retrospective stamp duty exemption for multi-peril crop insurance policies from 1 Jan 2018 (11% of the policy cost).

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Attention to any of our transport and supply chain clients - changes to the Chain of Responsibility (CoR) laws are coming into effect on 1 October 2018.

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Do you need an insurance broker? These days with nearly everything at our fingertips with the click of a button, is there any need for an insurance broker? Before we can answer that question, it's worth understanding what an insurance broker is, and what they do.

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With South Australia's first ever driver-less bus taking to the roads, GIA Insurance Brokers thought it was timely to have a look at what these driverless vehicles might mean for insurance in the future. It's exciting technology, to be sure, and offers huge opportunities - especially if you think of our ageing population that may not have ready access to public transportation. It could also increase road safety, as the driver-less vehicles don't get tired, distracted by their phone or get behind the wheel after too many drinks.

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As you might be aware, there was a recent salmonella outbreak in a South Australian bakery, which impacted over 30 people. How would your restaurant or cafe business cope with the direct and indirect costs (such as damage to your brand and reputation) of something like this? Read below for some tips on how you can prevent a salmonella outbreak from occurring, what type of risk management practices you can put in place and what kind of insurance safety nets are available.

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Many businesses are not sure if they need (or perhaps just don't understand) business interruption insurance. In this post, we'll try to explain business interruption insurance, and why your business may want to consider it.

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We loved reading this client compliment about our teammate Kaitlin O'Sullivan's brilliant service and work ethic!

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According to the 2017 Australian seasonal bushfire outlook, parts of the country are likely to see earlier and more active incidents of bushfire than other years. This is largely due to a combination of weather conditions this past winter, resulting in vast amounts of dry vegetation. With the increased risk it's critical that you take necessary precautions in mitigating your bushfire risk and checking that you have the right insurance solution before it's too late.

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There are reports that the latest global cyber attack, known as the Petya virus, is the 'scariest' and possibly costliest yet. So what can small businesses do to protect themselves from the big, bad ransomware?

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It's getting cold so many of us are dreaming of heading somewhere warm over winter or taking the kids for a getaway over the school holidays.

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Do you have renters insurance? Australians are notoriously underinsured and people living in rental properties are no exception. Shockingly, the Understand Insurance Home and Contents Survey revealed that more than half of renters don’t insure their contents at all and Australians in general seriously underestimate the worth of their contents when they do insure. This means that many renters find themselves in a situation where they have to wear the cost themselves if something happens to their belongings.

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