What to do if your insurance claim is denied
Insurance claim denied? Get the reasons in writing, lodge an internal complaint, then go to AFCA. Time limits, documents and…
Damage to the job or others: contract works vs public liability
Contract works insurance pays to fix the job. Public liability pays when the job injures someone or damages their property.…
Trading at markets as a sole trader: public liability explained
Public liability insurance for sole traders and market stalls: who asks for it, how organisers set the limit, products cover,…
Gross profit and extra costs: how a BI claim is calculated
How business interruption insurance is calculated: insurable gross profit, increased cost of working, a worked example with round numbers, and…
Mistake in your work or injury on site? PI vs public liability
Professional indemnity vs public liability: one covers a client's financial loss from your work, the other injury and damage. Which…
How long can an insurer take to decide your claim?
The Code of Practice gives insurers four months to decide most claims, with updates at least every 20 business days.…
Does professional indemnity insurance cover contractors?
A firm's professional indemnity policy protects the firm, not every contractor it hires. When consultants need their own policy and…
Product liability vs public liability: what does each cover?
Public liability answers for what you do. Product liability answers for goods once they leave your hands. How the two…
What insurance does a commercial lease require you to hold?
Public liability at a set limit, your own fit out and stock, a certificate of currency each year. What a…
Does home and contents insurance cover working from home?
An employee on a laptop is usually fine under a home and contents policy. A business run from home is…
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,…
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…