Sole traders and small businesses have different insurance and people management needs to larger businesses.

Within our business we have a dedicated team that specialise in solutions for smaller operations. We know that while you don't want to spend any more time or money than necessary on meeting the regulatory requirements pertaining to things like insurance, workers compensation or human resources, it is important to protect yourself, your business and your employees should something go wrong. That is why we have a range of solutions designed just for sole traders, contractors and small businesses, so you can get back to running your business with peace-of-mind.

Insurance

When considering insurance for your businesss, off-the-shelf products may seem adequate at first glance. However, take a closer look and you'll soon realise they don't take into consideration the nuances and specifics of your business, and may contain exclusions that cause significant negative impact and leave you exposed. Avoid this common mistake and talk to an experienced advisor that knows your industry and your business needs today.

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Public and Products Liability

Property Insurance

General Property/Mobile, Plant and Equipment

Business Interruption Insurance

People Management Solutions

If you are a small business and employ staff, you will have human resources, workers compensation and safety and wellbeing needs. We provide a couple of options to assist with this.

Our HRAnywhere On Demand service is a dedicated telephone and email advisory service that provides unlimited professional advice in the areas of Human Resources, Workers Compensation and Safety & Wellbeing. HRAnywhere On Demand Advice is a cost-effective solution for businesses that need occasional or frequent advice and don’t have dedicated HR, Workers Compensation or Safety & Wellbeing employees in-house.

What type of HR matters can we assist with?

Human resources:

Performance management; legislative employment obligations; wages; salary & leave entitlements; terminations; grievances & workplace disputes.

Workers compensation:

Resolve outstanding claims; premium reduction strategies; injury management; premium funding; policy management; claims management; occupational rehabilitation and Return to Work.

Safety & wellbeing:

Early intervention & injury prevention; mental health first aid training; health monitoring & pre-employment screening; job safety analysis & safe work methods; ageing workforce management; workplace audits & compliance assessments.

Consultation and Implementation Services

For businesses that require more than telephone or email advice, we offer full consultation and implementation services. Our People Solutions team can devise and implement tailored solutions for any Human Resources, Workers Compensation or Safety & Wellbeing business requirement.

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Small business articles

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Understanding the key terms in the insurance industry

The insurance landscape can be complicated and there is a range of industry-specific terms that are used. Here is a guide to the most common ones.

What happens throughout a claims process?

If you have an insurance policy, you’re helping to protect yourself against financial or business loss in the event of an incident. If an event occurs, you’d lodge a claim with your insurer. But how does that process work?

Australian Occupational Health and Safety (Legal) Context and Changes for Western Australia

As busy business owners and operators it is difficult to keep up with the various legislation and legislative changes that occur which are relevant to you. In this article we discuss Australian Occupational Health and Safety. We provide some context on the current OHS landscape, discuss the Western Australia Work Health and Safety Proposed Act changes and provide some information on recent workplace occupational health and safety issues and incidents.

Understanding three key risks facing SME's

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.

How you can get the Worksafe discount without crippling your cash flow

Yes, it’s that time of year again – soon Worksafe Victoria will be issuing Workcover premium notices to all Victorian businesses.

One of the subbies fell in a pool shell a few weeks back – has been off work since. Will our WorkCover policy take care of his claim?

Each time you hire a contractor you need to determine if they're considered a 'worker' by WorkSafe – if so, you become their employer for WorkCover insurance purposes and will have liability for claim/return to work processes.

The three C's: Cutting Current Costs

As business owners and managers, you are forced to keep up with being innovative and adaptable, to secure your business and to ensure its viability over the short and long-term. There will always be threats to your business - unfortunately there are some things you can’t control.

Contractor or employee? A vexed question

When a business considers engaging someone to perform work, often the decision is about whether to engage them as an employee or as a contractor. The decision is sometimes quite difficult and the difference has implications for items such as, yet not limited to, taxation, superannuation, control and liability.

Public and Products Liability

All businesses no matter how large or small should have Public and Products Liability cover.

Tax Tips for Small Businesses

As a small business, you may be eligible for income tax concessions. From 1 July 2016, the turnover threshold for these concessions is:

$5 million for the Small business income tax offset
$10 million for all other income tax concessions.

The turnover threshold up to 30 June 2016 was $2 million for all these concessions.

Testmonials from some of our small business clients

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OFTB Landscape Architecture & Swimming Pool Construction

After making the change to AB Phillips I have been able to operate with comfort when thinking about this aspect of my business. They have followed through with action when I needed them most. Much appreciated.

Gary Kilworth, Director
OFTB Landscape Architecture & Swimming Pool Construction

Cameron Media Sales

Thanks again for all you did for us everyone at the Finance & Mortgage team. Everything is working really well with the loan you arranged. All other debts were fixed up and I don't reckon I've slept as well for about 20 years!!!

Matt Healey, General Manager
Cameron Media Sales

Know Your Business Consulting

As a bookkeeper I am often called upon to advise and organise insurance policies for my clients.

I have recently engaged ABPhillips to manage the workcover policies for one of my clients who employs in 7 states. ABPhillip’s knowledge and professionalism has taken an onerous task and brought all the policies together seamlessly, and has lightened my work load considerably.

They have been a wonderful resource that I have come to rely on for my own, and my clients insurance needs.

I have no hesitation in recommending ABPhillips and I will definitely be calling on them more in the future when my clients have a need for professional services.

Kate Jackson
Know Your Business Consulting

Chess Moving Melbourne

We can highly recommend the services of AB Philips with pleasure and confidence.

Donna Cuffe
Chess Moving Melbourne

Industry specialities

We specialise in solutions for a number of industries that are made up of sole traders, contractors and small business owners. If your industry appears below, click on the links for more information.

Key Industries

Accountants

Our knowledge in the accounting industry is extensive, with purpose-built insurance solutions negotiated with our insurers for maximum coverage and risk management.

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Agriculture

Insurance for agribusiness is a specialised field. We ensure you stay covered at a reasonable price. To make sure you’re really covered, talk to the experts at AB Phillips.

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Breweries

AB Phillips understand the potential risks involved in crafting beer so we have ‘crafted’ our own specialist insurance offering to make sure our brewery clients have the right level of cover.

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Camps

AB Phillips have been providing insurance and people risk solutions to businesses operating in the residential camps and outdoor activity providers industry for more than 15 years.

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Classic Boat Insurance

AB Phillips has teamed up with Nautilus Marine to offer an exclusive Classic and Seacraft insurance scheme with market leading policy coverage and competitive premium rates for wooden boats.

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Early Learning Centres

Childcare and Early Learning Centres have many different areas of risk you need to be covered for. Our team has extensive experience in this area.

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Construction and Trades

We have a dedicated Construction and Trades department enabling us to provide relevant and specialist insurance advice.

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EPS Panel Insurance

We work with the Insulated Panel Council Australasia Ltd and insurance underwriters to develop a more sophisticated approach to your risk, which means underwriters trust our knowledge and listen to our recommendations.

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Financial Planners

Our team of Professional Service insurance specialists have specifically shaped a range of policies to meet the needs of both large national corporate entities and small, individually owned practices, plus they have RG126 requirements at their core.

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Height Safety & Ropes Access

We provide specialised cover and extensions that are essential for minimising the risk to your business across all forms of Rope Access as well as Building Maintenance Units, Cranes, Scaffolding and Elevated Work Platforms.

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