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, […]
Protecting Your SME from Real-World Risk Events
Running a small or mid-sized business in Australia means juggling costs, staffing, and cash flow. All that is before unexpected challenges arise. Whether it’s a natural disaster, a sudden transport incident, or a cyberattack, a single unforeseen event can disrupt your entire operation. While you can’t predict every risk, you can put plans in place […]
Bots, Breaches and Business: Cyber Risks for SMEs Evolve
Cyber threats are evolving faster than most businesses can keep up, and Australian SMEs are now in the crosshairs. With bots, artificial intelligence-driven attacks, and regulatory changes hitting all at once, it’s a smart time to ask: Is your cyber coverage still fit for purpose? Bots are now most of the internet and many 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 threats, with implications for the insurance industry and its clients. According to Vidit Sehgal, CEO of V4 IT Services, cybercriminals are increasingly using artificial intelligence (AI) to bypass identity verification processes. This shift allows attackers to impersonate individuals using AI-generated […]
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 claim will be paid. What matters more is the cause of the damage—was it due to a lack of maintenance or the result of a storm? This is where things get technical, and why insurers now rely on independent expert […]
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 […]
Today, we look to the future …..
But remember the past. We remember and honour the brave men and women who have served and continue to serve in countries around the World.
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 […]
Latest Articles
Tools & Tips to Handle Summer Weather Risks Effectively
Australia is heading into a high-risk summer, with hotter days, warmer nights, and more rain ...
Don’t Let Business Blindspots Catch Your SME Off Guard
For Australian SMEs, the biggest threats aren’t always the ones making headlines. Inflation and cyber ...
Happy Chinese New Year 2026
Happy Chinese New Year Gōng xǐ fā cái ...
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 ...
DISCLAIMER
This web site is designed primarily for use by Australian residents. Therefore, some products referred to in this site may be inappropriate for overseas residents. Please contact us via e-mail or phone to discuss your needs should you not be an Australian resident.
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.