What insurance do I need as a consultant?

Any business that consults or advises has a Professional Indemnity exposure. Wrongful advice and design errors are claims that would be excluded by a Public Liability policy but covered by Professional Indemnity.  

Examples of professions that would need Professional Indemnity insurance are solicitors, architects, management consultants and building surveyors.  All consultants should have Public Liability as well as Professional Indemnity in order to cover both types of claims.

For professional advice or a tailored insurance solution for your business, call Westralian Insurance on (08) 9302 1388, or visit www.westralianinsurance.com.au

Should my small business have cyber insurance?

Cyber attacks and hacking of computer systems is fast becoming one of the most common types of crime in the world. Small businesses are routinely targeted as they are seen as an easier target than larger companies with more robust IT systems. 

It would be highly advisable for any small business to take out cyber liability in order to cover increasingly common cyber claims such as hacking, privacy breaches and social engineering.

For more information on cyber insurance and whether it's right for your small business, call the friendly professionals at Westralian Insurance on (08) 9302 1388, or visit www.westralianinsurance.com.au

Does my small business need insurance?

Congratulations on owning your own business!  If there is a risk of loss and if that loss would cause you some level of financial difficulty, then it is certainly worth getting insurance to mitigate the risk.  

As a small business, you also have a legal requirement to take out Workers Compensation for any employees you have.  Small business insurance policies are often very well-priced so therefore well worth taking out before starting to trade.

For more information and professional insurance advice, call the friendly team at Westralian Insurance on (08) 9302 1388...or visit www.westralianinsurance.com.au

Does my small business need workers compensation insurance?

If your small business employees anyone, or pays anyone a wage, then it is a legal requirement to take out Workers Compensation insurance.

Westralian Insurance is your small business insurance specialist, so give them a call today.  Call (08) 9302 1388 or visit www.westralianinsurance.com.au

Do I need Professional Indemnity as a Limited company?

The requirement for Professional Indemnity insurance is mainly due to the type of work being undertaken, rather than the type of company or entity.  A Limited company may well require Professional Indemnity if their work is related to advice or design such as an architect, management consultant or insurance broker.

To chat with a qualified professional about Professional Indemnity cover for your business, call Westralian Insurance today on (08) 9302 1388 or visit www.westralianinsurance.com.au

Do I need Public Liability for my online business?
Online businesses require Public Liability just like physical retail and wholesale businesses.  Claims for third party property damage and personal injury can still be sustained by an online business. 

Public Liability can also include Products Liability which is vital for any retail business, whether they sell from a store or online.  This covers third party property damage or personal injury caused by products. As long as the insurer is aware that the business is an online one, then Products Liability cover can be provided for any goods sold via the internet.
For more insurance advice you can trust, or an obligation free quote, call the friendly professionals at Westralian Insurance, on (08) 9302 1388, or visit www.westralianinsurance.com.au

Your insurance questions answered: Do I need insurance for storage?It’s important to...

Your insurance questions answered: Do I need insurance for storage?
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