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Blog - Page 2 of 75 - Austbrokers Terrace Insurance | Adelaide | Melbourne

Is Your Micro-SME Protected Against Financial Shocks?

Micro and small-to-medium enterprises (SMEs) drive the Australian economy, comprising over 98% of all businesses and employing seven in 10 workers. Economic challenges have intensified financial pressures on SMEs, compounded by rising service fees, stricter employee laws, payroll compliance, competition, and cybersecurity risks. In 2024, more than 12,000 companies became insolvent — the highest number […]

Chronic Disease and How It Can Impact Your Business

About half of Australians have one or more chronic diseases or conditions, says the Australian Bureau of Statistics. Unsurprisingly, this issue is becoming increasingly prevalent in Australian workplaces. Such diseases are long-lasting, with effects that persist over time, according to the Australian Institute of Health and Welfare. In contrast, chronic conditions encompass any long-term health […]

2025 Focus: Protecting Your SME From Climate-Driven Threats

Australia’s climate is changing rapidly, and businesses can no longer overlook the impacts. From harsher fire seasons to rising sea levels, extreme weather events are reshaping the landscape for small and medium-sized enterprises. This guide will help you tackle these challenges and safeguard what matters most to your business. Rising Temperatures: How They Impact SMEsSince […]

Wellbeing Wins: What Worked for Australian SMEs in 2024

Fewer than half of Australian workers said their employers would put worker wellbeing above short-term business gains. How does worker wellbeing factor into your SME? Perhaps, like an increasing number of workplaces in 2024, you’ve implemented programs to boost staff health and productivity. But how effective were these efforts? Let’s find out what worked, what […]

Cyber Safety, Simplified: The Essential Eight Principles

Cyber threats pose a constant and increasing concern for businesses of all sizes, including SMEs.  The Australian Cyber Security Centre (ACSC) reported a 12% increase in calls to the Cyber security Hotline (1300 CYBER1) in 2023-24, highlighting the urgent need for SMEs like yours to ramp up cybersecurity measures. The Essential Eight compliance checklist is […]

Balancing Maintenance and Innovation: A Must for SMEs

According to the Reserve Bank of Australia, SMEs spend 25% more on research and development (aka innovation) than big business. In fact, SMEs account for 55% of total R&D spending. That kudos is great, but… chances are your business may feel like it’s all about chasing the next big thing. Shiny new products and cutting-edge […]

Flood Risks are Rising. Is Your Home Insured Against Damage?

Flooding is a major and worsening risk for many Australian property owners. Recent findings from Monash University reveal that 370,000 homes and 120,000 commercial properties face a 1% annual risk of flooding. That translates to a significant number of properties at risk. Plus with climate change, these risks are expected to rise even further. Whether […]

Fire risk alert: Why you need to dispose of batteries the ri...

A huge rise in battery fires is putting local garbos and the environment at risk. Here’s how to safely dispose of your old tech. We’ve all got that drawer full of old battery powered gadgets, like the ancient electric toothbrush, or maybe even a kids toy that’s long since lost its novelty value. But if […]

Latest Articles

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 ...
Protecting Your SME from Real-World Risk Events
Running a small or mid-sized business in Australia means juggling costs, staffing, and cash flow ...
Bots, Breaches and Business: Cyber Risks for SMEs Evolve
Cyber threats are evolving faster than most businesses can keep up, and Australian SMEs are ...
“Large Company” breach sparks AI scam alert for Australians
The recent Qantas data breach has brought renewed attention to the changing nature of cyber ...
Is Your Roof Maintenance Up to Scratch? How to Go About It
In Australia, it’s not simply the age of your roof that determines whether your insurance ...
Covering Your Bases When Hiring from Overseas
If you’re running a farm in Australia, you understand the reality of the seasonal labour ...



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The information on this site is for general information purposes only and you should first seek advice from us to determine which products and services are most appropriate for your needs. We take our responsibilities to you seriously, and will work closely with you to customise your program to suit your needs.