Your home might be your castle, but the boundary fence is your front line. What does it mean for your insurance if your fence is damaged or destroyed? This article prepares you mentally for the process should you need to claim. Are fences covered by home insurance? Typically, home insurance covers fence damage or destruction […]
Lest We Forget
On this day, we honour and remember the brave men and women who have served and continue to serve countries around the world.
Using Generative AI in your Business? Risks & Opportunities
It’s less than a year since OpenAI released its (general) artificial intelligence (AI) app, ChatGPT. Since then, it and its alternatives, have transformed how we do business. Such tech is known as generative AI, a form of machine learning. Trained on a vast database of natural language, it can create content, such as text, code, audio, images, […]
Why a Risk Multiplier Mindset is Good for Your Business
Did you only focus on individual risk factors when you last undertook a risk management matrix for your SME? That’s OK, but the 2023 BDO Global Risk Landscape Report suggests widening your vista to the links between risks. BDO is one of the world’s largest auditing and accounting organisations and operates across Australia. This article explains why you should […]
If you Home Share, Check your Personal Property Cover
As of September last year, there were 251,000 short-term rentals registered across Australia, down from 400,000 pre-pandemic. However, not all short-term stays are registered. If you rent out your main residence, this article is for you. We’re sharing a swag of tips to help you manage your risks. Understanding property insurance To help protect your home from […]
Toolbox Talk: Time to Protect Tradies and Your Business
Did you hear about the Tradies’ National Health Month in August? It highlighted plenty of strategies and tips on this important topic to use year-round to protect the tradies in your midst and your business. Top risks tradies face St John Ambulance has a handy definition for tradies, saying they include technicians, trade workers, labourers, machinery operators, and […]
4 Myths about Cyber Insurance Debunked
Cyber security is a top risk management concern for Australian businesses, with eight in 10 organisations hit by ransomware. And research shows small businesses are likely to have poor security practices due to common misconceptions about the threat. It is such a hot issue that the Federal Government appointed the first Minister for Cyber Security in a G20 […]
Is This the Return of High-Rise Construction Insurance?
There is a deluge of legal and insurance claims from ownership’ corporations and individual apartment owners about high-rise construction defects. A UNSW City Futures Research Centre report found defects in 85% of apartments built since 2000. In the firing line are builders and contractors. Negotiating early and rectifying defects promptly, where possible, is a prudent approach to […]
Insurance Premiums for Farms Are Rising: How To Save
On average, farm cash income experienced a 7% drop in 2022-23, according to ABARES. So, when insurance premiums rise 20% to 40%, as is happening in some parts of Australia in recent times, farmers might think more carefully about their risk management approach. But before you hit ‘cancel’ on your insurance policies, check out these tips […]
How do you Manage these Top 4 Hospitality Business Risks?
The past three years have been a whirlwind for hospitality businesses. While the pandemic seems to be on the wane, your business should still do everything reasonably practicable to reduce the risks of COVID-19’s spread, like keeping up to date on employers’ responsibilities via this Safe Work Australia website. Other, more inherent risks remain, though. […]
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