Wednesday, 28 November 2018


Do I need insurance for my cleaner?

Your cleaner should have their own Public Liability insurance to cover any potential damage to your property.  However, they may not have Workers Compensation for themselves in the event of injury at your premises.  Many Home and Strata insurance policies can be extended to include Workers Compensation for domestic workers such as cleaners and gardeners, often at no additional cost.

For an obligation free quote teamed with friendly and knowledgeable service, call the team at Westralian Insurance on (08) 9302 1388, or visit www.westralianinsurance.com.au



Wednesday, 7 November 2018


How do I insure my artwork?

Artwork is generally insured on a home and contents policy, but may need to be specified separately depending on its value. Extremely high-value artwork can be insured on its own separate policy with a specialist artwork insurer, if the value is deemed to be too high for a normal home policy. These types of policies will often require an independent valuation which may need to be updated periodically.

For more information on insuring your artwork, or something else of value, call the professional and friendly staff at Westralian Insurance on (08) 9302 1388, or visit www.westralianinsurance.com.au

Wednesday, 15 August 2018


Do I need insurance to mow lawns?

Any business that comes into contact with third parties should consider Public Liability insurance before they start trading.  Someone who mows lawns may damage third party property, or even injure a third party during the course of their work, so Public Liability with a minimum level of $5,000,000 should be considered.  Tools of Trade and lawn mowers can also be insured.  Sometimes these items can be included on the same policy as Public Liability under a section called General Property.

If you have, or are considering purchasing a lawnmowing business, now's the time to ensure you have the correct insurance cover.
 
For more information or an obligation free quote, call the friendly, fully qualified staff at Westralian Insurance on (08) 9302 1388, or visit www.westralianinsurance.com.au
 
 
 
 

Wednesday, 1 August 2018


Do I need insurance to babysit in my home?

Any business that comes into contact with third parties should consider public liability insurance before they start trading.  There are specialist insurers that offer public liability specifically for child carers and babysitters, however there are often exclusions around injury to children.  These exclusions should be scrutinised closely before any babysitter agrees to proceed with cover.


If you are babysitting or providing child care services in your home, you should certainly speak with an insurance professional.  The friendly, knowledgeable staff at Westralian Insurance are here to help.  Call today on (08) 9302 1388 or visit www.westralianinsurance.com.au

Tuesday, 24 July 2018


Do I need insurance to practice reiki?

Reiki practitioners are in constant contact with the public and therefore public liability would be their biggest risk to insure.  Some reiki practitioners set up in shopping centres and they must have a minimum of $20 million public liability to work there.  If the reiki practitioner has a physical address from which they operate, they should consider a business package policy to cover contents, stock, glass and possibly business interruption to cover their income in the event of a claim.
 
Workers compensation is also a legal requirement for any reiki practitioners who have employees working for them.
 
If you're a small to medium business with an insurance question, Westralian Insurance can help!  Call us today on (08) 9302 1388 or visit www.westralianinsurance.com.au
 
 

Wednesday, 11 July 2018


What insurance do I need for my engagement ring?

An engagement ring can be insured under a home and contents policy, but may need to be specified depending on its value.  It should be insured both in and out of the home.  A good policy will offer worldwide cover, however some will restrict cover to Australia only.  You should always insure the ring for its full replacement value and review the value at renewal every year.
 
For  help answering queries about your items of value, both monetary and sentimental, ask the friendly and knowledgeable staff at Westralian Insurance.  Call today on (08) 9302 1388 or visit www.westralianinsurance.com.au
 
 
 
 
 

Tuesday, 19 June 2018


What insurance do I need for my drone?

A drone should be insured for its full replacement value in the event of accidental damage or theft.  Public liability is also essential on any insurance policy covering a drone, as accidents involving third parties are common.
 
Westralian Insurance are here to answer any insurance related questions you have.  So why not give us a call today?  Call (08) 9302 1388 or visit www.westralianinsurance.com.au