Can I get insurance in another state?

Many Public Liability policies insurance brokers provide, offer Australia-wide cover so they allow you to work in any state or territory.  Workers Compensation policies arranged in WA will also allow cover for incidental trips interstate.

However, if the worker permanently resides in a state other than WA, then Workers Compensation must be arranged in that state. ('Permanently resides' means 6 or more months of the year).

For more answers to your insurance questions or for a free quote and insurance review, call the professional and helpful staff at Westralian Insurance on (08) 9302 1388, or visit www.westralianinsurance.com.au

Do I need insurance for my cleaner?

Your cleaner should have their own Public Liability insurance to cover any potential damage to your property.  However, they may not have Workers Compensation for themselves in the event of injury at your premises.  Many Home and Strata insurance policies can be extended to include Workers Compensation for domestic workers such as cleaners and gardeners, often at no additional cost.

For an obligation free quote teamed with friendly and knowledgeable service, call the team at Westralian Insurance on (08) 9302 1388, or visit www.westralianinsurance.com.au

How do I insure my artwork?

Artwork is generally insured on a home and contents policy, but may need to be specified separately depending on its value. Extremely high-value artwork can be insured on its own separate policy with a specialist artwork insurer, if the value is deemed to be too high for a normal home policy. These types of policies will often require an independent valuation which may need to be updated periodically.

For more information on insuring your artwork, or something else of value, call the professional and friendly staff at Westralian Insurance on (08) 9302 1388, or visit www.westralianinsurance.com.au

Do I need insurance to mow lawns?

Any business that comes into contact with third parties should consider Public Liability insurance before they start trading.  Someone who mows lawns may damage third party property, or even injure a third party during the course of their work, so Public Liability with a minimum level of $5,000,000 should be considered.  Tools of Trade and lawn mowers can also be insured.  Sometimes these items can be included on the same policy as Public Liability under a section called General Property.

If you have, or are considering purchasing a lawnmowing business, now's the time to ensure you have the correct insurance cover.

 

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

 

 

 

 

Do I need insurance to babysit in my home?

Any business that comes into contact with third parties should consider public liability insurance before they start trading.  There are specialist insurers that offer public liability specifically for child carers and babysitters, however there are often exclusions around injury to children.  These exclusions should be scrutinised closely before any babysitter agrees to proceed with cover.

If you are babysitting or providing child care services in your home, you should certainly speak with an insurance professional.  The friendly, knowledgeable staff at Westralian Insurance are here to help.  Call today on (08) 9302 1388 or visit www.westralianinsurance.com.au

Do I need insurance to practice reiki?

Reiki practitioners are in constant contact with the public and therefore public liability would be their biggest risk to insure.  Some reiki practitioners set up in shopping centres and they must have a minimum of $20 million public liability to work there.  If the reiki practitioner 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 reiki practitioners who have employees working for them.

 

If you're a small to medium business with an insurance question, Westralian Insurance can help!  Call us today on (08) 9302 1388 or visit www.westralianinsurance.com.au

 

 

What insurance do I need for my engagement ring?

An engagement ring can be insured under a home and contents policy, but may need to be specified depending on its value.  It should be insured both in and out of the home.  A good policy will offer worldwide cover, however some will restrict cover to Australia only.  You should always insure the ring for its full replacement value and review the value at renewal every year.

 

For  help answering queries about your items of value, both monetary and sentimental, ask the friendly and knowledgeable staff at Westralian Insurance.  Call today on (08) 9302 1388 or visit www.westralianinsurance.com.au

 

 

 

 

 

What insurance do I need for my drone?

A drone should be insured for its full replacement value in the event of accidental damage or theft.  Public liability is also essential on any insurance policy covering a drone, as accidents involving third parties are common.

 

Westralian Insurance are here to answer any insurance related questions you have.  So why not give us a call today?  Call (08) 9302 1388 or visit www.westralianinsurance.com.au

What insurance does a carpenter need?

A carpenter’s primary must-have policy is public liability, covering third party personal injury or damage to property during the course of their work. T hey should also consider insuring their tools of trade anywhere in Australia.  A good tools 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 must also be taken out for any carpenters with employees.  Carpenters 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.

 

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

 

 

What insurance do I need for a café?

The most important insurance for a café is a Business Package policy to cover the stock, contents, machinery and public liability risks.  Workers compensation is also a legal requirement for any cafes with employees. 

 

One of the most common types of claims with cafes is machinery breakdown, involving fridges, freezers and coffee machines, so it’s important to consider machinery breakdown cover on any policy arranged for a café.

 

Westralian Insurance would like to learn about your business!  Call our friendly, fully qualified team today on (08) 9302 1388, or visit www.westralianinsurance.com.au

Do I need insurance to practice reiki?

Public Liability insurance would be the most important policy to consider if you are practicing reiki, as you would be coming into regular contact with the public, and therefore claims for third party injury or property damage are possible.   Workers Compensation is also a legal requirement for any businesses with employees.

 

If you need help with your business insurance, or just have a question to ask, Westralian Insurance would love to hear from you!  Call our friendly and knowledgeable staff on (08) 9302 1388, or visit www.westralianinsurance.com.au

 

 

Do I need insurance on vacant land?

Property Owners Liability cover is important for those who own vacant land, as it covers claims for third party personal injury or property damage arising out of the land itself.

 

For example, if someone walks onto the land and injures themselves in some way, this could be a potential Property Owners Liability claim.

If you own vacant land, it's worth considering Property Owners Liability cover.  To learn more, contact the knowledgeable and friendly staff at Westralian Insurance.  Call today on (08) 9302 1388 or visit www.westralianinsurance.com.au

 

When is Professional Indemnity insurance required?

Professional Indemnity is required if your business is based on your advice or your designs.  Any consultancy-type role such as a solicitor or management consultant must have Professional Indemnity cover in place with a reputable insurer.  There are many roles whereby Professional Indemnity is a legal requirement, such as Insurance Broking and most legal professions.  Designers, architects and building surveyors should also take out Professional Indemnity insurance, as claims for professional errors in these industries is very common.

 

For professional, friendly and up-to-date knowledge, ask the team at Westralian Insurance.  Our fully qualified staff undertake continuous training to ensure our clients receive the most current advice and best insurance solution for their business.

 

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

 

 

What types of claims are covered in a professional indemnity policy?

Professional negligence claims are covered by Professional Indemnity insurance. Claims for wrongful advice or faulty designs are common examples of Professional Indemnity claims.  A frequent example is an architect, who makes a mistake on a building plan, resulting in a property being built incorrectly or in the wrong place.  Another example is a financial consultant, giving incorrect advice to one of their clients, which leads to them suffering a financial loss.

 

For many businesses, Professional Indemnity insurance is a must-have.  For an obligation free quote or review of your insurance requirements, contact the friendly and knowledgeable staff at Westralian Insurance.

 

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

 

 

 

 

What is public liability insurance?

Public Liability insurance covers an individual or a company against claims for third party property damage or personal injury.  Common examples of Public Liability claims are a builder knocking a tile off a roof and hitting a member of the public, or a plumber hitting a pipe and causing a water leak.

 

Do you need Public Liability insurance?  Or could it be time for a complete insurance review of your business's policies?

 

If so, Westralian Insurance can help...call our friendly, professional staff today on (08) 9302 1388 or visit www.westralianinsurance.com.au

 

 

 

Why do solicitors need professional indemnity insurance?

Solicitors need Professional Indemnity insurance because their work is advice-related.  They give their clients advice about a whole range of legal matters, so the chances of a claim for professional negligence or wrongful advice is quite high.  It is essential for solicitors to carry Professional Indemnity insurance and the majority of them are insured with Lloyds of London.

 

If you have an insurance query, the professional and friendly staff at Westralian Insurance are here to help.  Call them on (08) 9302 1388, or visit www.westralianinsurance.com.au

 

 

What is professional indemnity?

Professional indemnity covers errors and omissions associated with wrongful advice or designs.  It covers an individual or company against claims for professional negligence.  PI cover is very important for any business that relies on their advice such as consultants, brokers, solicitors etc.  It is also important for design businesses as claims for faulty designs can lead to a third party suffering financial loss which triggers a PI claim.

 

Westralian Insurance can answer your questions on Professional Indemnity and other insurance policies, ultimately providing the best insurance solution for your business.

 

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