You’re in the middle of renovating your business premises when you discover the waterproofing in the bathroom is faulty.  You can only fix it by removing the tiles, which means breaking them, so you need to find, and pay for, replacements – but they’ve been discontinued. It’s impossible to find a perfect match for the [...]

Australia has one of the highest rates of illicit methamphetamine use in the world and the highest use among English-speaking countries. Since 2015, a drug lab bust has taken place almost every day in Australia, with estimates claiming as few as one in 10 labs are discovered by authorities. The majority of laboratories detected produce methamphetamine (including [...]

More businesses are embracing the principles of the circular economy in the pursuit of better environmental outcomes and as part of the push towards a net zero economy by 2030. Insurers are working alongside these businesses to support their efforts to achieve a clean, green future. The circular economy is a business model through which [...]

Climate change and other factors mean the risk of natural disasters adversely impacting small businesses is rising1. But there are many steps firms can take to reduce the risk of flood, fire and other catastrophes affecting their operations. Research2 shows bushfire risks are growing across Australia, especially in coastal Western Australia, central Queensland and in large [...]

Non-fungible tokens are units of data stored on a blockchain, which is an immutable digital ledger for storing information. Proponents of NFTs argue they intrinsically provide proof of ownership. Examples of NFTs include digital artworks, domain names and in-game items.  As a new invention, NFTs are a highly contested area and there are question marks [...]

Mould is invariably associated with damp conditions. Australia has experienced its fair share of those in the summer of 2021-22, with widespread flooding across Queensland and northern NSW as well as scores of soggy days elsewhere around the country. April 2022, for instance, saw many sites in greater Sydney record rainfall totals equal to 150 to 250 [...]

Up to eight in 10 homeowners are underinsured. It's a problem the Australian Institute of Quantity Surveyors (AIQS) is hoping to solve. It's lobbying for the insurance industry to compel residential property owners to have a professional replacement and assessment report before they can be insured. What do quantity surveyors do? Quantity surveyors are degree-qualified to advise on construction [...]

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. Our expertise will help save you time, money, and stress. In fact, a Deloitte report found brokers/advisers save their clients on average 11 hours a year, not just with faster [...]

Employment practices’ liabilities can be expensive, disruptive, and time-hungry to businesses. Claims are also rising. That’s because employment laws and regulations are complex and often change, so businesses can struggle to stay compliant. To help, we’ve compiled an update on the risks to your balance sheet and how to manage your practices more effectively. The risks of your [...]

Why Your Business Needs a Plan: The Importance of Continuity in 2022 If some of the more popular buzzwords of the past two years were "flexible work" and "hybrid business", 2022's might be more along the lines of consistency and continuity. Going into a third year of upheaval isn't appealing and so smart businesses are creating plans to [...]