Do I need business insurance as a sole trader?

Sole traders need Business Insurance as much as a company needs Business Insurance. The risks to a sole trader are often exactly the same as those facing a company, so the way you set up your business should not affect your decision to take out Business Insurance, Public Liability or Workers Compensation.

If you're a sole trader and have insurance questions, Westralian Insurance can help!

Call the friendly professionals today, on (08) 9302 1388, or visit www.westralianinsurance.com.au

Do I need business insurance if I work from home?

Home insurance policies normally exclude business equipment, stock etc., so it’s important to arrange a separate Business Package policy for your home-based business.  Public Liability should also be included, in case customers visit your home, as well as Product Liability for any products you manufacture and/or sell.

Getting the right business insurance cover can be a challenge for any small business, because there are often many factors to consider, as well as the life cycle of your business.

The team at Westralian Insurance are here to help.  Our fully qualified team take the time to get to know your business and requirements, before designing an integrated insurance solution for your business.

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

Should I have insurance for my allied health professionals?

If you run a business that employs allied health professionals, then Workers Compensation insurance to cover your employees is a legal requirement.  You should also consider Public Liability to cover any potential claims for third party property damage or personal injury.  This is particularly important if your employees provide in-home care services for vulnerable people.  Professional Indemnity cover or Medical Malpractice insurance should also be considered in order to cover any potential claims for professional negligence.

For more information and an obligation free quote, call the insurance professionals at Westralian Insurance.  Call (08) 9302 1388 today, or visit www.westralianinsurance.com.au

Should I have commercial motor insurance?

Commercial Motor insurance is required if your business owns and operates a vehicle for use, exclusively or partly by the company.  If the vehicle is registered in the business name and is used for the business, then a Private Motor Insurance policy is usually not suitable and therefore a Commercial policy should be arranged. A Commercial Motor insurance policy includes cover for both business and personal driving.

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

Do I need corporate travel insurance?

Corporate Travel insurance should be considered if business travel is a common occurrence.  If the directors or employees engage in regular interstate and overseas travel specifically for business, then a Corporate Travel policy removes the need to arrange individual Travel insurance for each trip.

If you're looking for Corporate Travel insurance, give the team at Westralian Insurance a call, on (08) 9302 1388, or visit www.westralianinsurance.com.au

Do I need commercial motor fleet insurance?

If you run a business and operate five or more commercial vehicles, then a Commercial Motor Fleet policy should be considered.  The main benefit of having all of your vehicles on one policy, is easier administration for the business owner.  You have one policy with one renewal date covering all of your vehicles and drivers. The main drawback with a Commercial Motor Fleet policy is that a claim involving one vehicle affects the whole policy and therefore all the other vehicles on it.

There are many features and benefits to consider when looking at a commercial motor fleet policy, so it may be worth chatting with an insurance professional.  The fully qualified team at Westralian Insurance are here to help.  Call (08) 9302 1388 or visit www.westralianinsurance.com.au today!

What is disability services insurance?

Disability services insurance refers to any type of insurance required by a disability services provider. This could be a mental health nurse, in-home carer or NDIS contractor.  Typical insurance policies required by workers in the disability care industry are Workers Compensation, Public Liability and sometimes Professional Indemnity.

If you work in the disability services field, it's important to ensure all of your insurance cover is up-to-date, to protect your business and any staff you may have.

If you've got questions, Westralian Insurance can help.  Call (08) 9302 1388, or visit www.westralianinsurance.com.au