Business insurance for hairdressers?

Public liability for third party injury or property damage is the number one risk for hairdressers.  Business contents and stock are also important for the salon itself and Workers Compensation is a legal requirement for any hairdresser with employees.

Westralian Insurance is your small business insurance broker.  Our friendly and knowledgeable staff are happy to answer any questions you may have, and assist with your business insurance requirements.

If you're a hairdresser looking to start up your own business, or own multiple salons and are looking for an insurance review, give Westralian Insurance a call today!  Call (08) 9302 1388 or visit www.westralianinsurance.com.au

Business insurance for tour operators?

Tour operators come into contact with the public frequently, so public liability is the most important insurance policy to consider.  Motor insurance for the tour vehicle and event cancellation insurance are also common in this industry.

To chat with a fully qualified, professional insurance broker about your business insurance requirements, call Westralian Insurance today, or visit www.westralianinsurance.com.au

Business insurance for carpenters?  

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.  They 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 insurance 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.

If you're a carpenter, or a tradie of any kind, Westralian Insurance can help with your insurance needs, and answer any questions you may have.  Call the friendly professionals today on (08) 9302 1388, or visit www.westralianinsurance.com.au

How much is insurance for a business?

Insurance costs for businesses vary, depending on the type of business being conducted.  High-risk activities like roofing and scaffolding have much higher public liability and workers compensation rates, than lower risk activities such as accounting and insurance broking.

Westralian Insurance can answer all of your questions, provide an obligation free quote and a complete insurance solution which encompasses all of your business insurance requirements.

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

What insurance do personal trainers need?

Public Liability is the most important type of insurance required by personal trainers.  They are constantly in contact with the public so claims for third party injury or property damage are a real possibility.  Workers Compensation is also a legal requirement for any personal trainers with employees.

If you're considering becoming a personal trainer, or have recently started your own personal training business, insurance is a must.  Call the friendly professionals at Westralian Insurance, who can assist in providing the right insurance solution for your business, on (08) 9302 1388, or visit www.westralianinsurance.com.au

Do I need insurance for my home business?

A home business needs insurance like any other business.  You can still insure stock and business equipment at a home address, exactly the same as if it were a shop or an office.  You should also consider Public Liability if any members of the public come into your home.

You may be thinking of starting up a business from home, or perhaps it's time to revisit your current home business insurance policies.  The friendly, fully qualified team at Westralian Insurance would love to chat with you today!  They can answer any questions you have, and can provide an obligation free insurance quote, tailored to your needs.

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

Do I need insurance for my photography business?

Public Liability insurance is a good idea as it protects you against claims for third party property damage or personal injury.  A General Property policy can also provide Australia-wide cover for your camera and photographic equipment.

Protect your livelihood with a complete, business solution from Westralian Insurance.  Call the friendly, fully qualified team today on (08) 9302 1388, or visit www.westralianinsurance.com.au

Do I need insurance for my online business?

Online businesses require Public Liability insurance, just like physical retail and wholesale businesses.  Claims for third party property damage and personal injury can still be sustained by an online business.  Public Liability can also include Products Liability which is vital for any retail business, whether they sell from a store or online.  This covers third party property damage or personal injury caused by products.  As long as the insurer is aware that the business is an online one, then Products Liability cover can be provided for any goods sold via the internet.

If you've got small business insurance questions, we can answer them!  Call our friendly, knowledgeable team today on (08) 9302 1388 or visit www.westralianinsurance.com.au

What are my small business insurance requirements?   

Small businesses with employees are required by law to take out Workers Compensation Insurance to cover those employees.  It is also highly advisable to insure all of the business assets such as stock, contents, glass, buildings etc. against accidental damage, storm and theft as a minimum.  Public Liability is also very important in order to cover any claims for third party property damage or personal injury.

Westralian Insurance is a small business, who understands small business.  If your business insurance is due for renewal, or you simply have insurance questions, call our fully qualified, friendly team today, on (08) 9302 1388 or visit www.westralianinsurance.com.au

What is the best insurance for self-employed?

Income Protection is a very useful policy for self-employed sole traders that don’t qualify for Workers Compensation.  This covers 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 are here to help!  Call (08) 9302 1388 or visit www.westralianinsurance.com.au for more information.

The value of an Insurance Broker

Your insurance questions answered: Where can I buy business insurance?Whilst busines...

Your insurance questions answered: Where can I buy business insurance?
Whilst busines...: Where can I buy business insurance? Whilst business insurance can be purchased directly from an insurance company, it is advisable for m...

Where can I buy business insurance?

Whilst business insurance can be purchased directly from an insurance company, it is advisable for most businesses to utilise the services of an insurance broker. 

Insurance brokers can source multiple quotes for you in order to make sure you are getting the best possible premium.  More importantly, they can make sure that your business is covered correctly and they will also act on your behalf in the event of a claim.

To chat with one of our fully qualified, knowledgeable insurance brokers, call Westralian Insurance today on (08) 9302 1388 or visit www.westralianinsurance.com.au

What insurance do I need as a consultant?

Any business that consults or advises has a Professional Indemnity exposure. Wrongful advice and design errors are claims that would be excluded by a Public Liability policy but covered by Professional Indemnity.  

Examples of professions that would need Professional Indemnity insurance are solicitors, architects, management consultants and building surveyors.  All consultants should have Public Liability as well as Professional Indemnity in order to cover both types of claims.

For professional advice or a tailored insurance solution for your business, call Westralian Insurance on (08) 9302 1388, or visit www.westralianinsurance.com.au

Should my small business have cyber insurance?

Cyber attacks and hacking of computer systems is fast becoming one of the most common types of crime in the world. Small businesses are routinely targeted as they are seen as an easier target than larger companies with more robust IT systems. 

It would be highly advisable for any small business to take out cyber liability in order to cover increasingly common cyber claims such as hacking, privacy breaches and social engineering.

For more information on cyber insurance and whether it's right for your small business, call the friendly professionals at Westralian Insurance on (08) 9302 1388, or visit www.westralianinsurance.com.au

Does my small business need insurance?

Congratulations on owning your own business!  If there is a risk of loss and if that loss would cause you some level of financial difficulty, then it is certainly worth getting insurance to mitigate the risk.  

As a small business, you also have a legal requirement to take out Workers Compensation for any employees you have.  Small business insurance policies are often very well-priced so therefore well worth taking out before starting to trade.

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

Does my small business need workers compensation insurance?

If your small business employees anyone, or pays anyone a wage, then it is a legal requirement to take out Workers Compensation insurance.

Westralian Insurance is your small business insurance specialist, so give them a call today.  Call (08) 9302 1388 or visit www.westralianinsurance.com.au

Do I need Professional Indemnity as a Limited company?

The requirement for Professional Indemnity insurance is mainly due to the type of work being undertaken, rather than the type of company or entity.  A Limited company may well require Professional Indemnity if their work is related to advice or design such as an architect, management consultant or insurance broker.

To chat with a qualified professional about Professional Indemnity cover for your business, call Westralian Insurance today on (08) 9302 1388 or visit www.westralianinsurance.com.au

Do I need Public Liability for my online business?
Online businesses require Public Liability just like physical retail and wholesale businesses.  Claims for third party property damage and personal injury can still be sustained by an online business. 

Public Liability can also include Products Liability which is vital for any retail business, whether they sell from a store or online.  This covers third party property damage or personal injury caused by products. As long as the insurer is aware that the business is an online one, then Products Liability cover can be provided for any goods sold via the internet.
For more insurance advice you can trust, or an obligation free quote, call the friendly professionals at Westralian Insurance, on (08) 9302 1388, or visit www.westralianinsurance.com.au

Your insurance questions answered: Do I need insurance for storage?It’s important to...

Your insurance questions answered: Do I need insurance for storage?
It’s important to...: Do I need insurance for storage? It’s important to insure goods for their full replacement value whilst in storage. The insurers will ne...

Do I need insurance for storage?

It’s important to insure goods for their full replacement value whilst in storage. The insurers will need to know the full address, construction and security details of the premises where the goods are stored.  They will mainly be covered for fire, storm, theft and accidental damage.  Many insurers will also offer temporary removal of goods or goods in transit cover for the items if they are moved temporarily.

If you have goods stored or are thinking about doing so, ensure you have the right cover to protect them.  Call the Perth insurance professionals, Westralian Insurance, on (08) 9302 1388 or visit www.westralianinsurance.com.au

Can you get insurance for yoga teachers in Australia?

The important insurance policies for any type of teaching professions are Public Liability and Professional Indemnity.  Public Liability covers third party property damage and personal injury.  Professional Indemnity covers professional errors associated with wrongful advice.  Workers Compensation is also a legal requirement for any yoga teachers in Australia with employees.

If you're a small business and need some professional, up-to-date insurance advice, call Westralian Insurance on (08) 9302 1388 or visit www.westralianinsurance.com.au