Do I need income protection insurance?

 
Income Protection is a very useful policy covering your income in the event of illness or injury preventing you from being able to work.  It often covers up to 80% of your income, paid either weekly or monthly, depending on the policy wording.  The main way that Income Protection differs from Workers Compensation, is that it does not have to be a work-related injury or illness in order for you to claim.  However, medical expenses are not covered in the same way as Workers Compensation, only your ongoing income or wages are insured.

If you are thinking about taking out Income Protection, it’s important to speak to a specialist insurance broker who has the relevant licence to sell this type of insurance policy.

Westralian Insurance can assist, referring you to a trusted, income protection specialist.  Call us today on (08) 9302 1388 or visit www.westralianinsurance.com.au

What are the insurance must-haves for architects and designers?

If you are an architect or designer, should consider Professional Indemnity a must-have policy.  This will protect you against claims for professional errors associated with your designs, which can often lead to costly financial losses for a third party.  Public Liability is also a risk if you come into contact with the public.  Finally, Workers Compensation should also be taken out for any architects or designers with employees.

For professional advice from a fully qualified insurance broker, call Westralian Insurance today on (08) 9302 1388 or visit www.westralianinsurance.com.au  Our staff will take the time to get to know your business and requirements, tailoring a complete insurance solution for your business.

What insurance do I need as a subcontractor?

The main exposure for any subcontractor is Public Liability, which is third party property damage or personal injury.  Many contractors working in the construction industry need to show proof of Public Liability Insurance before they can commence work.  The level of cover usually has to match that of their principal contractor. 

Subcontractors working in any design, advisory or consultancy-type roles should also consider Professional Indemnity, to cover professional errors relating to their advice and/or designs.  Workers Compensation is also a legal requirement for any subcontractors who have employees.

Westralian Insurance can answer your questions, as well as provide a complete insurance solution, tailored to your individual requirements!  Call the friendly professionals today on (08) 9302 1388 or visit www.westralianinsurance.com.au

What insurance does a massage therapist need?

Massage therapists are in constant contact with the public, and therefore Public Liability would be their biggest risk to insure.  Some massage therapists set themselves up in shopping centres and must have a minimum of $20 million Public Liability to work there.  If the massage therapist business 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 massage therapists who have employees working for them.

If you have insurance questions, Westralian Insurance can help!  Our staff are fully qualified and undertake ongoing training to remain abreast of legislation and insurer updates.

Call today on (08) 9302 1388 or visit www.westralianinsurance.com.au!

What insurance do personal trainers need?

The main exposure for personal trainers is Public Liability, due to their high level of interaction with the public. This type of insurance covers them for third party personal injury and/or property damage.  The cover is Australia-wide, which is vital for personal trainers who often work in more than one location.  Workers Compensation is also a legal requirement for any personal trainers who have employees working for them.

For more information, call Westralian Insurance.  Their knowledgeable and friendly team are fully qualified and dedicated to keeping abreast of the latest rules and regulations concerning all types of business insurance.

Call (08) 9302 1388 or visit www.westralianinsurance.com.au today!

Do I need insurance to sell candles?

In order to sell candles via retail or wholesale channels, you should obtain a General Liability policy for at least $5 million, but preferably $10 million or $20 million given today’s increasingly litigious society. 

The policy should also include Products Liability to cover any third party property damage or personal injury arising from the products themselves.  The stock of candles should also be insured for full replacement value in the event of fire, storm, theft etc.

Furthermore, any retailer with employees must take out Workers Compensation for their staff as a statutory requirement.

For more information, advice or a quote, call the knowledgeable and friendly staff at Westralian Insurance on (08) 9302 1388 or visit www.westralianinsurance.com.au

What insurance does a strata unit owner need?

Strata unit owners should insure their contents for full replacement value.  They should also make sure an adequate Buildings policy is in force to cover the buildings, all of the units within the strata, as well as the common grounds.

 

This policy should also include Workers Compensation for any workers who work on the common grounds, such as gardeners or maintenance workers.  Finally, Public Liability should also be included on any Strata buildings policy.

 

For a free quote or insurance review on your insurance, call the knowledgeable and friendly professionals, Westralian Insurance on (08) 9302 1388...or visit www.westralianinsurance.com.au

 

 

What type of insurance should a design professional have?

Any design professional should consider Professional Indemnity insurance, a must-have policy.  This will protect you against claims for professional errors associated with your designs, which can often lead to costly financial losses for any third party.  Public Liability is also a risk if you come into contact with the public.  If you're a design professional with employees, Workers Compensation insurance should also be taken out.

For more information or an obligation free quote, call Westralian Insurance on (08) 9302 1338 or visit www.westralianinsurance.com.au

What type of insurance does a contractor need?

The main exposure for any contractor is Public Liability insurance, which is third party property damage or personal injury.  Many contractors working in the construction industry, need to show proof of Public Liability Insurance before they can commence work, and the level of cover usually has to match that of the principal contractor on the project.  Contractors working in any design, advisory or consultancy-type roles should also consider Professional Indemnity insurance, to cover professional errors relating to their advice and/or designs.  Finally, Workers Compensation is also a legal requirement for any contractors who have employees.                                       

For more information or a quote, call the friendly professionals at Westralian Insurance on (08) 9302 1388...or visit www.westralianinsurance.com.au today!

 

 

Do I need public liability insurance?

Most businesses should strongly consider Public Liability insurance!  It is especially important for any business that comes into regular contact with the public.  It covers third party property damage, and personal injury and indemnity limits typically range from $5 million to $20 million, with some larger companies even taking as much as $50 million Public Liability cover.  In today’s increasingly litigious society, it would be dangerous to run a business without any Public Liability insurance.  Premiums vary depending on the type of risk but can start from as little as $250.

 

Ensure your business is fully protected!  To speak with one of our fully qualified insurance brokers today, call (08) 9302 1388 or visit www.westralianinsurance.com.au now!

What insurance should I have as a landlord?

A landlord needs to protect their investment.  Your building sum insured needs to be an accurate replacement value of the building, including costs for removal of debris and associated professional fees such as architect costs.  You should also include some cover for contents which can include such items as carpets, curtains and landlords fixtures and fittings.

Finally, you need to ensure that your policy has some cover for Property Owners Liability.

Additional covers you can add to a Landlord policy are Loss of Rent, Rent Default and Theft by a tenant.

 

For more information and a free quote, call the friendly staff at Westralian Insurance on (08) 9302 1388, or visit www.westralianinsurance.com.au

 

 

Do I need travel insurance?

Travel Insurance is very important and should be considered carefully prior to any trip away from home.  It can cover many different types of claims ranging from lost baggage and cancelled flights, to hire car excesses and emergency medical procedures.   Policies can be arranged for a single trip, or you can take out an annual Travel Insurance policy to cover all your trips over a twelve month period.

 

Before you head away on your next business trip or well earnt holiday, contact the friendly and knowledgeable staff at Westralian Insurance.  Call (08) 9302 1388 or visit www.westralianinsurance.com.au

 

 

What insurance do I need for my gardening business?

 Any gardening business operating in Australia should have Public Liability insurance to cover damage to third party property or injury to third parties.  The Public Liability insurers should be notified about the type of premises you work on, as rates can differ depending on whether it is residential or commercial gardening work.  

Tools and mowers can also be insured under the 'General Property' section of a Business Insurance policy, with the added benefit that they are insured anywhere in Australia for damage or theft.  Workers Compensation is also a legal requirement for any gardening companies who have employees.

Westralian Insurance can answer any further queries, plus provide an obligation free quote!  Call today - (08) 9302 1388 or visit www.westralianinsurance.com.au

What insurance do I need as a sole trader?

The type of insurance you will require as a sole trader will vary, and depend on your occupation.  For example, are you a mobile tradesman, a salesperson or do you own a business premise?  Are you a property owner, importer/exporter or a professional providing specialist advice?  The list of potential insurance policies you may require, based on your individual circumstances, is exhaustive.  It is best that you speak with an expert insurance broker to ascertain which policies you should consider, when protecting yourself and your business. 

 

Westralian Insurance would love to help!  Call one of our professional and friendly, full qualified insurance brokers on (08) 9302 1388 or visit www.westralianinsurance.com.au today!

 

 

 

 

What insurance do I need for my cleaning business?

 
The main exposure for a cleaning business is Public Liability, which is third party property damage or personal injury.  Many cleaning companies work in offices and shopping centres and have to show proof of Public Liability Insurance before they can start work.  Most shopping centres require a minimum of $20 million Public Liability cover.  Workers Compensation is also a legal requirement for any cleaning companies who have employees.

To ensure you're correctly covered for cleaning contracts and jobs right from the word go, talk to the knowledgeable and friendly staff at Westralian Insurance.  Call (08) 9302 1388 or visit www.westralianinsurance.com.au 

What insurance do I need for my handyman business?

Firstly, your insurance broker will need to determine what kind of work you'll be doing and also whether it will be domestic work only – or a mixture of domestic and commercial.

Insurers all have different variations to policy coverage, so the above information will be used to ensure you are covered with the correct insurer. 

Public and Products Liability insurance is perhaps the most important policy you should consider - this will provide you with cover should you be negligent and cause damage to someone's property or cause injury to a third party. 

You may also want to consider covering your tools.  There are various levels of cover available for tools, including theft from a locked vehicle or premises, fire or damage caused by collision or overturning of a vehicle.  An optional level of cover you may look to include is Accidental Damage – this ensures you'll be covered if you drop that very expensive tool!

If you are engaging the services of subcontractors or employees, you will need to cover them for Workers Compensation.  Dependant on your business structure you may be able to cover yourself on the Workers Compensation policy – or if unable to do so, you should consider an Income Protection or Personal Accident and Illness policy.

 

Westralian Insurance can help!  For professional and friendly service, call Westralian Insurance today on 9302 1388, or visit www.westralianinsurance.com.au