Public Liability Insurance for Contractors

Subcontractors are perhaps the most important users of Public Liability insurance in Australia. As a subcontractor you are usually responsible for the consequences of your own actions on site, and in most cases you will more than likely not be covered by the insurance of the company or Contractor that hired you. Public liability insurance is important for all types …

A guide to hiring your first employee

So your business is getting so busy that you need a helping hand? Great stuff. Here’s a guide to hiring your first employee.Congratulations – hiring your first employee is a mammoth step in the journey of any business. It’s also a risky step. This is a new boss’s guide to minimising that risk. 1. Recruitment bias The first major risk …

How to Use Cybersecurity in Your Everyday Life

Everyday Life If you’re reading this, there is a good chance that you have multiple internet-connected devices in your home. These devices make our lives easier, but they also make us easy targets for cybercriminals. So, whether you are connecting on social media, shopping online, or listening to music on a smart speaker, here are some cybersecurity tips for everyday …

ARMA Insurance Brokers CQ Newsletter May 2022

Hi everyone, can you believe it is May already!  It has been a busy couple of months here at ARMA Insurance Brokers CQ as always.  The Insurance Market continues to be challenging to say the least with premiums still increasing and it is getting increasingly difficult in dealing with Insurers with their service times increasing significantly which is greatly affecting …

Being underinsured in a ‘total loss’ property claim can have dire financial consequences. Whether deliberate or not, about 25% of property owners don’t insure their buildings for the correct replacement value.  It can however be complex arriving at the correct figure. This article explains how you can settle on accurate building and contents sums insured – without relying on guesswork. …

Do you have enough insurance for your small business?

Underinsurance remains a serious issue for small businesses, with the Insurance Council of Australia’s (ICA) statistics showing 12.8  per cent of small businesses and 24 per cent of sole traders have no insurance. Organisations operating in the education sector have the highest rate of non-insurance at 25 per cent of entities in this industry with no insurance. ARMA Insurance Brokers …

Tammy Sabariz: The Rayment Excavations story

Originally established by Ian and Marilyn Rayment, for more than 40 years Rayment Excavations have been providing earthmoving and excavation services for civil, residential, and commercial construction and have built a solid reputation in the industry for delivering on time and on budget. “Ian and Marilyn started Rayment Excavations in 1981 with a single backhoe to now having a fleet …

ARMA Insurance Brokers CQ Newsletter (Feb/Mar)

Welcome to the ARMA Insurance Brokers CQ Newsletter  Hi everyone and welcome to the first Arma Insurance Brokers CQ newsletter for 2022. First of all, Happy New Year (even though we are already 2 months into 2022).  It has certainly been a busy first 2 months for us and there is a lot happening in the insurance world at the …

The big problem with your travel insurance.

Most people think buying travel insurance is a bit of a last minute, no-brainer that can be purchased via the first option that pops up on Google. Unfortunately, when claim time comes around things can start to unravel dramatically. Travel insurance is one of those products that most people think they can take a DIY approach on. However, 1 in …

Tips for a successful insurance claim

When you suffer an insurable event, the way you approach the claim from the start can make a huge difference in terms of how quickly the claim is processed and whether it’s approved, as these examples show. In the first case, the business relied on a specialised piece of equipment as a vital part of its operations. Unfortunately, one day …