Does my business need Workers Compensation insurance?

Workers Compensation is vitally important, first and foremost because it is a legal requirement in Australia.  It’s also very important because it provides protection for your company’s employees in the event of a work-related illness or injury.  If your business employs staff or contractors and pays them a wage, then Workers Compensation is mandatory.

If you've got questions, Westralian Insurance can help.  Call our fully qualified, friendly staff today on (08) 9302 1388, or visit www.westralianinsurance.com.au

Does my business need cyber insurance?

Cyber-related crime is one of the fastest growing areas of criminal activity in Australia, so it would be prudent for any business owner to consider Cyber Insurance. 

The costs that can be covered or mitigated by a Cyber Insurance Policy, include data recovery following a hack, extortion and ransom costs and lost funds due to a malware attack or social engineering scam. 

Every business is at risk, so it's worth speaking with an insurance broker about Cyber Insurance for your business.  Call (08) 9302 1388 or visit www.westralianinsurance.com.au

What insurance do I need for my investment property?

An investment property needs Building and Contents cover just like an owner-occupied home.  You can also cover Loss of Rent, Rent Default and Theft By Tenant to add an extra layer of protection for the landlord.

If you own an investment property and have questions about insurance, contact the friendly professionals at Westralian Insurance today.  Call (08) 9302 1388 or visit www.westralianinsurance.com.au

What insurance do I need to deliver takeaway orders?

Commercial motor insurance is vitally important for a takeaway business, with the option of open driving for all delivery drivers.  Public Liability is also important in order to cover any potential claims for third party property damage or personal injury.  It is also a legal requirement for takeaways with employees to have a current Workers Compensation policy in force.

With the current climate, it's never been more important for businesses providing takeaway food and drinks, to ensure they are fully insured.

Westralian Insurance is here to help.  Call our friendly, knowledgeable staff today on (08) 9302 1388, or visit www.westralianinsurance.com.au

Why is Public Liability insurance important?

Public Liability is very important to any business that comes into contact with the public.  Normal indemnity limits range from $5,000,000 to $20,000,000 and above, and the policies cover any damage to third party property or injury to a third party during the course of normal work. 

Public Liability claims in Australia are common and the costs can be huge.  Without a valid Public Liability policy in place, one incident of third party property damage or personal injury could mean the end of a business.

For more information on Public Liability insurance for your business, call the knowledgeable and friendly staff at Westralian Insurance on (08) 9302 1388 or visit www.westralianinsurance.com.au

 

 

What are the insurance must-haves for bricklayers?

 

A bricklayer’s primary must-have policy is Public Liability, which covers third party personal injury or damage to property during the course of their manual labouring work. 

 

Bricklayers should also consider insuring their Tools of Trade anywhere in Australia.  A good Tools of Trade policy will include theft from the open air and theft from unattended motor vehicles which is a common occurrence in the construction industry.

 

Workers Compensation insurance must also be taken out for any bricklayers with employees.  Bricklayers should also include any sole trader subcontractors who work for them, under their Workers Compensation policy, as sole traders are not able to obtain Workers Compensation for themselves.

 

There's a lot to think about!  For more information, or an obligation free insurance review of your business, contact the knowledgeable and friendly staff at Westralian Insurance on (08) 9302 1388...or visit www.westralianinsurance.com.au

 

 

Why is Workers Compensation so important?

Workers Compensation is vitally important, first and foremost because it is a legal requirement in Australia.  It’s also very important because it provides protection for your company’s employees in the event of a work-related illness or injury.  The cost of the injured worker’s medical expenses and replacement income does not have to be met by the employer if they have a valid Workers Compensation policy in place.

If you've got employees, it is your legal responsibility to ensure you have Workers Compensation insurance.

Westralian Insurance is here to help!  We take the time to fully understand your business and subsequent insurance requirements.  Call us today on (08) 9302 1388, or visit www.westralianinsurance.com.au