What to do when you need to make a business insurance claim
The claims process is manageable if you know how to navigate it. The first 24 hours matter more than most business owners realise.
What a government contract does to your insurance requirements
Winning a government contract often comes with insurance requirements significantly higher than what most SMBs carry. If you’re not prepared, you may not be able to start work.
Claims-made vs occurrence: which policy form are you on, and why it matters?
Two policy forms apply to the same risk in completely different ways. The difference determines whether you’re covered if you’ve switched insurers or closed the business.
Business interruption insurance: why most businesses are underinsured
Most BI policies don’t replace actual revenue loss — not because of exclusions, but because of how the sum insured and indemnity period are set.
Professional indemnity vs management liability: what’s the difference?
Two commonly confused covers. Many businesses have one and assume it covers both. They discover the gap at claims time.
Why your renewal is the worst time to review your business insurance
Insurance renewals create artificial time pressure. Most policies roll over without a real review. The result is cover that drifts away from the business it’s supposed to protect.
Cyber insurance in Australia: what limits does your SMB actually need?
Most cyber policies sold to SMBs are undercooked for the exposure they carry. The right question isn’t whether to get cyber insurance. It’s how much you actually need.
Does your public liability actually cover sub-contractors?
One of the most common gaps in commercial policies. Whether your sub-contractors are covered depends on your wording, their own insurance, and how your insurer classifies the arrangement.