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What is Professional Indemnity Insurance?

Understanding Insurance

Whatever industry you work in, as a Professional in that industry, you hold the responsibility that your advice or services is of quality. Therefore if you provide advice or services to your client which are incorrect, you could potentially be liable to pay for losses occurring as a result of this.

The dark side of online payments for small businesses

Understanding Insurance

It’s important for small and medium-sized businesses to address the issue of cybercrime. This is not just something for the big end of town. As larger companies tighten security measures, the criminals go looking for easier targets – and they’re finding them in hundreds of smaller firms who might not even realise they are at risk.

8 Smart Ways To Deter Burglars

Understanding Insurance

Being burgled is not only traumatising and can make you feel like your home has been violated, but it can also be expensive and a hurdle to get over financially. Preventing burglaries is the key to securing your home.

What is reinsurance?

Understanding Insurance

Did you know that insurance companies also buy insurance for the policies they sell to you? In much the same way that you buy insurance to mitigate the risks of your business, insurance companies also buy insurance to make sure they are able to meet their obligations to their clients when claims occur.

What’s the risk?

Understanding Insurance

We all take risks every day. Some we take without even recognising or acknowledging they are risks. These risks – taken subconsciously - mostly have either low probability or minor consequences. Unfortunately not all risks are this simple.

What is cargo insurance?

Understanding Insurance

Marine cargo insurance, also known as freight insurance, marine insurance or shipping insurance, covers the risks of loss or damage to goods and merchandise while in transit by any method of transport – sea, rail, road or air - and while in storage anywhere in the world between the points of origin and final destination.

What is the difference between public and products liability?

Understanding Insurance

Generally speaking in Australia, public liability insurance and product liability insurance are included under the same insurance policy which may be called “Public Liability”, “General Liability”, “Combined General Liability”, or “Public & Products Liability”.

What is Principal's Liability?

Understanding Insurance

If you work for another business and act as an agent for that business, you will likely need principal’s liability insurance. You will also need it if a contract or agreement you enter into requires you to have cover for your principal.

Public Liability: Are my employees covered?

Understanding Insurance

Generally, public liability protects against claims made against your business by customers or the public, it does not cover employees injured on the job – this is covered by mandatory workers compensation insurance.

Professional Indemnity: What is defamation?

Understanding Insurance

With the information super-highway in overdrive, reputations can be irrevocably damaged in the blink of an eye. But what is defamation and how can you protect against it?