Who arranges contract works insurance: the builder or owner?
In most building contracts the builder arranges contract works insurance. Here is when the owner does it instead, and what…
What is a certificate of currency and how do I get one?
A certificate of currency proves a policy was active on a given date. What it shows, who asks for one,…
Business interruption: how long should the indemnity period be?
Twelve months is the default and often too short. How to set a business interruption indemnity period that covers the…
Does public liability insurance cover contractors?
Public liability rarely covers contractors the way owners assume. How subcontractor clauses work, what to collect from each trade, and…
How much public liability insurance do I need?
There is no legal minimum. What sets your public liability limit: the contracts you sign, the worst case on your…
Insurance broker vs buying direct: what actually changes
Buying direct is quick and works for simple risks. A broker adds advice, wording comparison and claims help. An honest…
Is business insurance tax deductible in Australia?
Premiums for cover protecting business income and assets are generally deductible under ATO guidance. Where the line sits and what…
Landlord insurance vs home insurance: which does a rental need?
An investment property needs landlord insurance, not a standard home policy. Here is what changes once a tenant moves in,…
Management liability vs professional indemnity: which pays?
Professional indemnity answers client claims about your work. Management liability answers claims about how the company is run. How to…
Notifiable Data Breaches scheme: what small businesses must do
What the Notifiable Data Breaches scheme requires after a breach, which businesses it applies to, the assessment clock, and where…
Strata insurance vs contents insurance: what owners must hold
The owners corporation insures the building. Apartment owners still need contents insurance for the fit out inside the lot. Here…
Underinsurance: how to set sums insured so a claim pays
Underinsurance shows up at claim time, not at renewal. How to set building, stock and business interruption sums insured so…