Research from the Australian Government shows that travel insurance is a popular holiday investment, but there are considerable gaps in knowledge about what customers are actually covered for.
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Protecting against risk is essential for any business, and identifying and understanding less obvious exposures can help a business prepare and be best protected, should the worst happen.
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There are many reasons a business may be underinsured; costly premiums, lack of awareness of risk assessment, poor understanding of insurance policies, or failing to update policies as the business grows or acquires new assets. The problem lies when things go wrong.
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If building work is close - or adjacent - to adjoining property boundaries, protection works may be requested from another party in respect of the adjoining property.
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Do I have cover should I accidentally damage my client’s home, driveway or personal property during the course of building their pool or spa?
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What happens in the event that your tools and/or equipment are stolen from site or office/factory carpark or the driveway of your personal property?
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It’s seems like it’s been raining for weeks on end and now a customer has called saying “we’ve had a cave in!” What now?
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All businesses no matter how large or small should have Public and Products Liability cover.
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Comprehensive motor insurance generally offers two types of sums insured, market value and agreed value.
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Management Liability Insurance protects the individuals and the company in relation to the exposures associated with managing a company (i.e. your liability for mismanagement).
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In recent times there have been wide spread reports of major cyber-attacks on a number of organisations across the globe.
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Australia is a land of extreme weather, and whilst there is nothing we can do to stop it occurring, we can control the extent to which we are impacted by it. Where business is concerned, controlling the level of damage that a business suffers as a result of extreme weather, and the speed at which it recovers depends entirely upon the directors and management. Regardless of the size of the business there are some fundamental strategies that should be implemented to increase business resilience to the impact of extremes in weather.
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A Valentines Day message from the team at AB Phillips
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You don’t need to live in the country and rural areas to be at risk of bushfires. Coastal areas with dry scrubland and long grass are also at bushfire risk. With predictions of a hot, dry summer ahead it’s important that households in fire zones prepare for a high risk of bushfire this season.
Read MoreIndustry research has revealed that the vast majority of Australian businesses are underinsured, particularly in the areas of Property, Business Interruption and Cyber Insurance.
Read MoreLiability Insurance protects the individuals and the company / entity (i.e. Company, Association or Non-for-Profit) in relation to the exposures associated with managing a company / entity (i.e. your liability for mismanagement). Without adequate protection you could risk losing, not only the company / entity, but also your personal assets. This insurance protects you personally and therefore your wealth and lifestyle. The legal costs to defend allegations of wrongful acts alone can be financially crippling for companies / entities and individual
Read MoreYour business is responsible for any product that you import, manufacture, sell, supply or distribute. You can therefore be held liable for any defect or other condition that renders the product unsafe and results in injury, death or damage.
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Cyber crime is the fastest growing crime in the world with professional criminal syndicates targeting vulnerable small to medium sized businesses. It is estimated by the Australian government that more than 700,000 Australian businesses have experienced cyber crime, making Australia now the fifth most targeted country for cyber-attacks. 40% of all cyber-attacks target vulnerable small to medium businesses, as they often don’t have the resources to invest adequately in security.
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