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. …

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 …

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 …

Solving the underinsurance problem for small business

Many small businesses don’t have enough cover when it comes to business continuity, flood insurance and also certain speciality policies, leaving them vulnerable when they suffer a calamity. This can drastically reduce their profits or, worse, see them shut their doors permanently. Perennially flood-affected Queensland businesses know this only too well. Although Morris Peluchetti had insurance cover for his Townsville newsagency, he …

Is your business fire safe?

With the bushfire season just around the corner, the risk is only one of a host of different sources of fire. Arson is often the cause of fire and poor maintenance standards are another serious fire risk for businesses. For instance, damaged or old electrical cabling is all too often the cause of a fire, especially in older buildings.  Another …

Sally-Anne McIntosh, the Gladstone Bicycle Centre Story

When a caravan crashed into the front of the Gladstone Bicycle Centre in September 2020, the local Gladstone business, like all small businesses, needed to be open and operating as soon as possible. “The front of the shop was damaged by the caravan and it needed to be removed and the damaged fixed as soon as possible so our customers …