Is it better to use a broker for insurance?

Using a broker is a great idea when it comes to insurance, in the same way using a lawyer is a great idea for any legal matters.  Insurance brokers are experts in insurance and they can provide tailor-made insurance solutions for your business or assets.  Brokers can also advocate on your behalf in the event of a claim.

If you're considering using an insurance broker for your business insurance, call the friendly, fully qualified team at Westralian Insurance.  

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

 

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

What is Contractors Plant and Equipment insurance?

Contractors Plant and Equipment insurance is a specialised insurance policy covering equipment and machinery used by any type of contractor.  Mining and construction are typical industries in which Contractors Plant and Equipment insurance is popular. Items covered by this type of policy can vary, from small excavators and bobcats to large cranes and generators. Commercial vehicles such as Trucks and Prime Movers can usually be added to these policies and Public Liability is another common inclusion.

If you're considering this type of insurance for your business, chat with fully qualified, friendly team at Westralian Insurance today!

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

What is allied health insurance?

Allied health insurance is a broad term that encompasses any type of insurance required by an allied health professional.  This is often Workers Compensation, Public Liability, Business Premises Insurance etc.  However, it may also refer to Professional Indemnity cover for allied health providers, also known as Medical Malpractice cover.

If you run an allied health practice, it's important to insure your valuable assets are fully covered.  Call Westralian Insurance today on (08) 9302 1388, or visit www.westralianinsurance.com.au for more information.

Business insurance for stock?

Stock insurance can be added to a business policy and should be identified separately to the other contents such as furniture, fit-out, fixtures and fittings. Some business policies allow the insured party to fluctuate the stock sum insured depending on the time of year and the amount of stock stored at the premises.

If you'd like to speak with someone about insuring stock within your business, Westralian Insurance can help.

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

Business insurance for mechanics?

The most important cover to include on a business insurance policy for mechanics, is Public Liability, to cover third party property damage and personal injury claims. Tools of Trade can also be included along with work vehicles.  A mechanic may also have a business premise and this type of policy is often referred to as Motor Trades insurance.  Buildings and contents cover can be included on a Motor Trades policy and cover can also be extended to customers’ vehicles whilst on the premises. Another common feature of such policies is a motor insurance extension allowing the insured party to drive customers’ vehicles for the purposes of testing or delivery.

For more information on insurance for your business, call the team at Westralian Insurance today, on (08) 9302 1388, or visit www.westralianinsurance.com.au

Business insurance for lawn mowers?

Business insurance for lawn mowers can also be referred to as trades insurance. The policies normally cover public liability and gardening equipment such as mowers and can often be extended to cover work vehicles.

If you've got your own lawnmowing business, or planning on purchasing one, chat to the friendly and knowledgeable professionals today!  Call Westralian Insurance on (08) 9302 1388 or visit www.westralianinsurance.com.au

Do I need business insurance for a home-based business?

Business insurance for a home-based business is similar to business insurance for shops, offices and business situations. Business equipment that would be excluded under a home insurance policy can be insured on a home-based business policy. Common items included on such policies would be stock for online sales and deliveries and contents of a home office. Public liability cover can also be included which would cover risks such as a member of the public visiting your home for business purposes and injuring themselves.

There are plenty of successful businesses running from home these days, so having the right insurance cover is crucial in safeguarding your business.

For a knowledgeable and friendly conversation with an insurance professional located in Perth, in real time, call Westralian Insurance.  Call (08) 9302 1388 or visit www.westralianinsurance.com.au today!

Business insurance for cleaners?

Business insurance for cleaners, is similar to trades insurance for tradies.  Business insurance policies normally cover Public Liability and cleaning equipment, and can often be extended to cover work vehicles.

If you own a cleaning business, it's vital you have the right insurance in place, to protect your business, staff and yourself.

For more information, and an obligation free quote, call the friendly and knowledgeable team today, on (08) 9302 1388, or visit www.westralianinsurance.com.au

Business insurance for tradies?

Business insurance for tradies is very similar to business insurance for other types of companies or individuals. Often referred to as 'trades packs', business insurance for tradies usually includes public liability, tools of trade and commercial motor vehicle insurance.

Westralian Insurance understands tradies.  Our dedicated team will assist with all your paperwork, provide fast Certificate of Currencies, and manage any claims.

For a tailor made business insurance solution for your business, call the friendly professionals today, on (08) 9302 1388, or visit www.westralianinsurance.com.au

What is an insurance cover note?

An insurance cover note is a formal document issued by an insurer, which acts as temporary cover in lieu of a full insurance policy. Insurance cover notes are common with motor insurance as they are ideal for newly purchased motor vehicles that require immediate cover. Insurance cover notes can expire or be cancelled by either party. Alternatively they can become a full 12 month insurance policy if required.

If you've got insurance questions, Westralian Insurance can help...and there's no automated phone system!  Call the friendly professionals today, on (08) 9302 1388, or visit www.westralianinsurance.com.au

What is an insurance excess?

An insurance excess, also known as a deductible, is the portion of a claim payable by the insured party.  

Most insurance policies will have an excess applicable when a claim is lodged, but every policy is different.

To understand your insurance obligations and ensure you have the best insurance policy including coverage, talk to the professionals at Westralian Insurance.

Visit www.westralianinsurance.com.au, or call the team on (08) 9302 1388 today!

What is an insurance policy?

An insurance policy is a contract between an insured party (a private individual or a business for example) and an insurance company.  The insured is agreeing to pay the insurer a premium in exchange for the insurer bearing the risk of loss on behalf of the insured, for a pre-agreed period of time (usually 12 months). 

The type of loss to be covered varies depending on the insurance policy, but can cover anything from motor vehicle and home damage, to defamation and litigation claims.

For more information on insuring your most precious business assets, contact the knowledgeable and friendly staff at Westralian Insurance.  Call (08) 9302 1388 or visit www.westralianinsurance.com.au today!

What happens if you don’t have business insurance?

If you don’t have business insurance, you are putting your business and your livelihood at serious risk.  Business insurance provides you with comfort in the knowledge that you have protection in the event of fires, storms, burglaries and many other potential risks.  Without it, you are trading without a safety net and effectively electing to 'self-insure'.  This means your own money and assets are on the line in the event of a loss involving the business.  Without adequate resources to cover such a loss, you may end up having to close the business.

For professional insurance advice and an obligation free quote for your business, call the fully qualified staff at Westralian Insurance, on (08) 9302 1388, or visit www.westralianinsurance.com.au

What is builders construction insurance?

Builders construction insurance is also known as contract works insurance.  It can provide a range of different benefits for a builder by covering tools, plant and materials on a construction site.  Public liability can also be included by most insurers, as well as hired-in plant and equipment.  The most common claims on builders construction insurance are theft of materials from site, and fire or storm damage.

If you're a builder and would rather be managing the construction instead of paperwork, call the friendly and knowledgeable team at Westralian Insurance.  We'll review your business risks and assets, and prepare a quotation which ensures you are fully covered.  Tailor made insurance for your business.

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

What is workers compensation insurance?

Workers Compensation provides cover for medical expenses and loss of income in the event of work-related illness or injury.

If you have employees, Workers Compensation insurance is a legal requirement.

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

Do I need insurance for my rental property?

Landlords insurance is very important for a rental property, in order to cover the building's and landlord's contents.  The tenant is required to insure their own contents. Landlords policies can also be extended to cover loss of rental income in the event of a claim.

If you have a rental property, get the right advice to ensure you are properly protected.  Call the friendly professionals at Westralian Insurance today, on (08) 9302 1388, or visit www.westralianinsurance.com.au

Do I need insurance for my trailer?

Motor insurance is required for a road registered trailer, which can either be comprehensive, third party fire and theft or third party property damage only.

Often, trailers contain tools or other expensive, hard to replace items, so it pays to ensure they are also protected.

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

Do I need insurance for an online store?

Whilst an online store doesn’t have a physical premise to insure, there are still other types of insurance to consider.  Public and products liability is still required for the products being sold online.  Stock insurance still applies if stock is kept at a warehouse or residential premises ready for delivery to customers.  Workers compensation is still a legal requirement for any business with employees, regardless of whether they operate from a physical location or online.

If you're managing an online store, it's important you're fully protected, with an integrated business insurance solution.

For the right advice, call the friendly professionals at Westralian Insurance today, on (08) 9302 1388, or visit www.westralianinsurance.com.au

Do I need insurance for my small business?

Small businesses require most of the same kinds of insurance that larger businesses require.  The most important are stock, contents, glass, machinery and public liability amongst others.  A small business with employees, is also required to have a valid Workers Compensation policy in place.

Navigating insurance for your small business can be challenging - Westralian Insurance is here to help.  Call our friendly, knowledgeable staff today on (08) 9302 1388, or visit www.westralianinsurance.com.au