What insurance do I need to be a private carer?

A private carer should have Public Liability insurance to cover damage to third party property, or injury to a third party.  Workers Compensation is also a legal requirement for any private carers with employees or subcontractors. 

It would also be a good idea to insure the directors or principals for their own work-related injuries or illnesses.  This can be done via Workers Compensation as a working director, or Income Protection/Personal Accident if the business is set up as a sole trader or partnership.

Understanding which insurance cover you need can be confusing, so talk to the friendly professionals today.  Call the team at Westralian Insurance on (08) 9302 1388, or visit www.westralianinsurance.com.au

 

What insurance do I need for my plumbing business?

Most importantly, you will need a Public and Products Liability policy to cover your activities as a Plumber.  You will find that most policies have a limitation on underground services claims – this means that you need to dial before you dig and check the location of underground pipes and cables before carrying out any excavation work.  If you don’t check prior to commencing works, you may find that a subsequent claim will be declined.

Secondly, you want to ensure that you have coverage for your tools.  A good insurance policy should cover your tools for Fire, Damage in a collision and Theft from a locked vehicle or premise.  It is also possible to have the Theft cover extended to include Theft in the Open Air if you wish.

If you engage any employees or subcontractors, there is a requirement by law to cover them for Workers Compensation.

Income Protection or Personal Accident and Illness cover is also recommended.

For more information, call Westralian Insurance on (08) 9302 1388 or visit www.westralianinsurance.com.au

Do I need Public Liability insurance?

Public Liability insurance protects you, and your business, from  financial loss caused by property damage or injury to a member of the public at your place of business or whilst undertaking your work, Australia wide, resulting from negligence.  

It is not compulsory in Western Australia, however it is advisable for all business to have a current Public Liability policy, especially if you are entering into contracts as it may be a requirement for these.  If you are own a retail shop or are a tradesperson, you should certainly consider Public Liability insurance cover.  

For more information, call the friendly team at Westralian Insurance on (08) 9302 1388, or vist www.westralianinsurance.com.au

What is small business insurance?

Small business insurance normally relates to Business Package insurance policies. These policies are a good way to cover off many of the risks facing small businesses, without having to set up separate cover for each item.  

These policies can include Public Liability, stock, contents, theft, glass, machinery breakdown, money and Business Interruption amongst others.  Costs vary depending on the covers required and the size of the sums insured under each section.

Now more than ever, it's time to ensure your business is fully insured.  The team at Westralian Insurance are fully qualified, and will take the time to understand your business and individual risks, resulting in a fully integrated insurance solution.

Call Westralian Insurance today, on (08) 9302 1388, or visit www.westralianinsurance.com.au

What insurance do tradies need?

Tradies need Public Liability insurance, in order to cover claims for third party property damage and personal injury.  Some Public Liability policies can also be extended to provide Australia-wide cover for Tools of Trade.  Workers Compensation is a legal requirement for any tradies with employees or subcontractors.  

Some tradies may also need Builders Warranty if they work on residential construction projects valued at $20,000 or more.  Work vehicles, utes, plant and equipment can also be included on certain policies for tradies, or insured separately.

If you're a tradie and have insurance questions which need answering, we can help!  We'll take the time to review your business requirements, explain the different types of insurance available, and ensure you're fully covered, so you can get on with running your business.

Call our locally owned and operated office today, on (08) 9302 1388, or visit www.westralianinsurance.com.au

 

When should I get insurance? 

You should consider purchasing insurance as soon as practically possible.  If you are starting a business, you should put insurance in place before you start trading.  If you are purchasing a house or car or any business equipment, then you should insure the asset prior to purchase.  Purchasing an insurance policy should be a top priority on your to-do-list.  It’s too late to insure a house if it’s already on fire!

If you're looking to start your own business, you're bound to need insurance - to protect your most important assets and mitigate your business risks.

Chat with an insurance professional today.  Call Westralian Insurance on (08) 9302 1388 or visit www.westralianinsurance.com.au

 

Do I need insurance for my business?

If your business employs anyone, then Workers Compensation insurance is a legal requirement.  This covers replacement wages and medical expenses for an injured worker, in the event of a work-related injury or illness. 

Public Liability is also very important for businesses in order to cover claims for third party property damage or personal injury.  An injury or property damage allegation by a third party could be disastrous for a business that’s trading without Public Liability insurance. 

The physical assets of the business should also be insured under a Business Package policy which can cover contents, stock, theft, glass, machinery breakdown and business interruption amongst others.

Westralian Insurance is here to help, with fully qualified, professional and friendly staff, alongside a vast knowledge of the West Australian market.

Call Westralian Insurance today on (08) 9302 1388, or visit www.westralianinsurance.com.au