St John Ambulance has a handy definition for tradies, saying they include technicians, trade workers, labourers, machinery operators, and drivers. However tradies rate fourth highest for work-related injuries, says the Australian Bureau of Statistics. About a third of workers are tradies, says Safe Work Australia and the Australian Physiotherapy Association. Yet, tradies account for six […]
Is Your Business Ready for the Next Grey Rhino?
The last few years have shown us that COVID 19 was not a one off. Since 2020, businesses have had to navigate a rolling series of shocks, including a global pandemic, war, energy price spikes, supply chain disruption, extreme weather and a steady rise in cyber attacks. Your risk profile does not sit in isolation. […]
Happy New Year
Wishing you and your families a happy, safe and prosperous New Year. The team at Austbrokers Terrace look forward to welcoming you in 2026.
Seasons greetings
With best wishes to you and your families at this festive time from the team at Austbrokers Terrace.
May their spirit live on….in the generations to come
As the stars that shall be bright when we are dust,Moving in marches upon the heavenly plain,As the stars that are starry in the time of our darkness,To the end, to the end, they remain. For the Fallen, Laurence Binyon 1914
The Annual Risk Health Check: Why Every SME Needs It
Your business can change a lot in a year – expanding, shifting online, hiring staff, or upgrading equipment. Yet most SMEs forget to update their insurance when things change. If you set it and forget it, you could be left exposed when something unexpected happens. For example, a tradie leasing new equipment may need additional […]
No Office, No Servers—No Insurance? Think Again
Across Australia, more businesses are operating without offices or in-house servers, choosing cloud-based platforms instead. Remote and flexible work has accelerated this switch for thousands of SMEs. While that shift reduces physical risks, it introduces new ones that traditional insurance often overlooks. Think digital asset loss, business interruption, supply chain dependencies. Depending on third-party providers, […]
Underinsurance in Property: A Growing Concern
Australian businesses are feeling the squeeze of rising insurance premiums, building costs, and extreme weather—but a more silent threat is growing: underinsurance. New figures from the Insurance Council of Australia (ICA) show that 83% of property owners are underinsured, with many lacking the coverage needed to fully rebuild after a disaster. For SMEs, this isn’t […]
Protecting Your Business in the Digital Age
More than four in 10 Australian SMEs now rely on AI for daily operations, from virtual assistants and smart inventory systems to content creation and data insights. Even major banks and insurers use it to triage claims and automate risk scoring. Whether you run a café, consultancy, or construction firm, AI is likely already part […]
What’s Legal, What’s Risky, and What’s Insurable?
If your SME is using or planning to use electronic surveillance, this article outlines what you need to know to stay compliant. In retail, logistics, and professional services tracking staff can seem like a smart move to reduce theft, lift productivity, or manage off-site work. But is it? With affordable tech like CCTV, GPS trackers, […]
Latest Articles
Protecting Tradies is Good for Your Business
St John Ambulance has a handy definition for tradies, saying they include technicians, trade workers, ...
Is Your Business Ready for the Next Grey Rhino?
The last few years have shown us that COVID 19 was not a one off ...
Happy New Year
Wishing you and your families a happy, safe and prosperous New Year. The team at ...
Seasons greetings
With best wishes to you and your families at this festive time from the team ...
The Annual Risk Health Check: Why Every SME Needs It
Your business can change a lot in a year – expanding, shifting online, hiring staff, ...
No Office, No Servers—No Insurance? Think Again
Across Australia, more businesses are operating without offices or in-house servers, choosing cloud-based platforms instead ...
Underinsurance in Property: A Growing Concern
Australian businesses are feeling the squeeze of rising insurance premiums, building costs, and extreme weather—but ...
Protecting Your Business in the Digital Age
More than four in 10 Australian SMEs now rely on AI for daily operations, from ...
What’s Legal, What’s Risky, and What’s Insurable?
If your SME is using or planning to use electronic surveillance, this article outlines what ...
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