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While damage to homes often receives media coverage in the event of a major flood, businesses are just as at risk when a weather event of this nature happens. So it pays to understand how insurance responds in the event of a flood or storm. Let’s look at flood first. After a number of … [Read more...] about What’s the difference in the way insurers treat storms and flood?

We all love a surprise at Christmas time and the excitement of imagining what’s under the tree. What we don’t want is the surprise and upset of storms and other nasty happenings at this time of year. There are a few simple things you can do to limit the potential of a spoiled Christmas at your … [Read more...] about Tis the season for Christmas surprises

Starting a business is a risky business, which is why it pays to be prepared! While it is impossible to predict exactly which possible hardships may befall your company throughout its years of operation, it is possible to load up on the right business insurance that will provide you with coverage … [Read more...] about Real Risks in Business: A Guide to Insurance

What is proportionate liability? Proportionate liability refers to the concept that liability for a plaintiff’s loss should be apportioned to the defendants in accordance with the extent of their responsibility for that loss. Why was the proportionate liability scheme introduced? The Ipp report … [Read more...] about Proportionate liability in Queensland – Implications for Insurance

There are countless circumstances that may have a negative effect on your business, many of which are impossible to predict. The good news is that it is possible to prepare for any eventuality, thereby safeguarding your business from potential financial ruin. The best way to do this is with the … [Read more...] about What am I responsible for as a business owner?

Given the steep rise in employee fraud and embezzlement, the importance of Internal Business Auditing has never been more vital. Whilst there are insurance policies, such as Management Liability & Crime, that provide Indemnity for some of the exposures; the reputational damage, together with the … [Read more...] about The importance of Internal Auditing

Scams aimed at manipulating individuals for fraudulent purposes have been occurring for centuries, but this deception has now well and truly moved into the digital world. Social engineering, in the context of information security, refers to psychological manipulation of people into performing … [Read more...] about A Centuries Old Crime, Digitally Enhanced

Australians are increasingly working from home, with the most recent data from the Australian Bureau of Statistics indicating at least a third of us choose to work from home at least part of the time. A study by future trends research house McCrindle shows there are lots of different reasons why … [Read more...] about The insurance implications of working from home