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 …

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 …

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 …

What does ‘choice of repairer’ really mean?

As you’d expect, car insurance policies have a lot of complexity, whether it’s for business or personal use. This article addresses some common cover misconceptions around ‘choice of repairer’ to help you avoid unwanted confusion come claim time. With restrictions easing across most of Australia and traffic volumes up, now is the time to reassess your insurance policy and make …

John Guinea: The Narbil Training story.

Narbil Training is a dynamic and innovative Registered Training Organisation (RTO) delivering nationally recognised training based in Gladstone who provide both face to face and online training for various industries including the resource and construction sector. “We predominately do high-risk training and licensing for a number of industries including dogging, rigging, cranes, hoist, forklift and scaffolding,” Narbil Training Director John …

Top tips to safeguard your roof in the next storm

Roofs are the subject of a huge number of business insurance claims, especially after big storms.  Many Australian businesses have been devastated by storms so far in 2021, with Queensland hit by violent storms in March including central Queensland with major hail storms in September, the Insurance Council of Australia estimates damage from these types of storms to the eastern …