A sub-contractor is an independent third party who provides a service on behalf of an Insured.  Sub-contractors generally specialise on one particular service, and an Insured may engage several different sub-contractors as part of their overall offering to their customers. An Insured may also engage independent third parties to provide services to their business, but [...]

This statistic will make you stop in your tracks - almost two thirds of Australians aged 18 and above with a driver's licence have had at least one car accident, according to an insurance industry survey. Time and time again, it's due to speeding! There were 1,004 car crashes in Australia last year, says White Box [...]

Small business owners tend to be born optimists with little inclination to think about what could go wrong. That’s why it pays to have an insurance broker in your corner to safeguard what you’ve worked for. Paul Harrison’s family-owned shoe shop in Sydney’s Neutral Bay has operated out of various locations for more than half a century. [...]

With bushfires burning around the country, it’s important for homeowners in fire-prone areas to take steps to ensure they have the right insurance in place. This is especially important given how easy it is for people living near the bush to find they are underinsured after suffering a bushfire. Ian Mabbutt, Head of Steadfast Direct, [...]

Many small businesses don’t have enough cover when it comes to business continuity, flood insurance and also certain speciality policies,leaving them vulnerable when they suffer a calamity. This can drastically reduce their profits or, worse, see them shut their doors permanently. Perennially flood-affected Queensland businesses know this only too well. Although Morris Peluchetti had insurance cover for [...]

Prepping and protecting your business this bushfire season While the promise of warmer weather spells days at the beach and backyard BBQs, spring and summer can sadly also bring bushfires. Those in bushfire-prone areas can get ahead of the risks by putting a protection plan in place for property and assets. Why do we get [...]

According to the Insurance Council of Australia, most business interruption policies weren’t designed to cover pandemics. Insurers didn’t factor them into their costs, and reinsurance wasn’t generally available for pandemic cover. This means there were no reserves set up for pandemic-related claims. But businesses shouldn’t necessarily see that as a brick wall to claiming on business [...]

Every insurance policy has limits that state the maximum monetary figure that will be paid out in the event of a claim. Indeed, some policies will have multiple limits and sub-limits. This article will demystify the different types of limits you're likely to encounter with your package of insurance coverage. You'll find out about policy [...]

Commercial property insurance comes in a few guises. You may know it as commercial building or business property insurance. Common among those titles is that it’s for non-residential properties – factories, warehouses, shopping centres, and whole unit and apartment blocks. In short, it helps protect your commercial building or premises from damage or significant loss [...]

To find new ways to thrive amid the new Delta variant, future-focused leaders challenge assumptions, acknowledge that characteristics and circumstances of the virus are subject to change, and work to fulfil their complex responsibility to protect their people, customers and communities – and do it all while continuing to grow and be profitable. The highly [...]