Do I need insurance for dropshipping?

Public and Products Liability insurance is important for any business involved in dropshipping. Workers Compensation is also a legal requirement for any dropshipping company that employs staff.

Dropshipping is a relatively new concept in the e-commerce world, so the friendly staff at Westralian Insurance are here to help.

Our fully qualified staff will take the time to understand how your business operates, what your risks may be, as well as your goals for the future, before finding the best insurance solution to meet your needs.

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

Do I need insurance to run a business 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 Products Liability for any products you manufacture and/or sell.  Workers Compensation is still a legal requirement for home-based businesses if they have employees.

If you're running a business from home, ensure you're fully protected by having an obligation free chat with the team from Westralian Insurance.

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

Do I need business insurance to sell on Amazon?

Businesses that sell on Amazon need a Public and Products Liability policy for the products they buy and sell.  They may also need a Business Package policy to cover stock if they take delivery of the stock at their own premises before sending to their customers.

If you have a home based business or sell direct to Amazon, you probably have some business insurance questions.  Westralian Insurance is here to help and ensure your precious assets are fully protected.  Call our friendly team today on (08) 9302 1388 or visit www.westralianinsurance.com.au

Does my online business need insurance?

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.  Stock and Business Contents stored at home or in a warehouse can also be covered under a Business Package policy.

If you're running an online business or considering starting up a side hustle, talk to the business insurance experts today!  Call the friendly team at Westralian Insurance today, on (08) 9302 1388 or visit www.westralianinsurance.com.au

Why is Public Liability insurance important?

Public Liability is very important to any business that comes into contact with the public.  Normal indemnity limits range from $5,000,000 to $20,000,000 and above, and the policies cover any damage to third party property or injury to a third party during the course of normal work. 

Public Liability claims in Australia are common and the costs can be huge.  Without a valid Public Liability policy in place, one incident of third party property damage or personal injury could mean the end of a business.

For more information on Public Liability insurance for your business, call the knowledgeable and friendly staff at Westralian Insurance on (08) 9302 1388 or visit www.westralianinsurance.com.au

 

 

What insurance do I need for my plumbing business?

Most importantly, you will need a Public and Products Liability policy to cover your activities as a Plumber.  You will find that most policies have a limitation on underground services claims – this means that you need to dial before you dig and check the location of underground pipes and cables before carrying out any excavation work.  If you don’t check prior to commencing works, you may find that a subsequent claim will be declined.

Secondly, you want to ensure that you have coverage for your tools.  A good insurance policy should cover your tools for Fire, Damage in a collision and Theft from a locked vehicle or premise.  It is also possible to have the Theft cover extended to include Theft in the Open Air if you wish.

If you engage any employees or subcontractors, there is a requirement by law to cover them for Workers Compensation.

Income Protection or Personal Accident and Illness cover is also recommended.

For more information, call Westralian Insurance on (08) 9302 1388 or visit www.westralianinsurance.com.au

Can I get Public Liability insurance for a 1 day event?
There are some insurers who will provide Public Liability insurance at a small cost for a 1 day event. They are normally direct insurers who transact these low-cost policies online. 

Many general insurance brokers typically only provide 12 month Public Liability policies.  

If you're looking at Public or Product Liability insurance for your small to medium business, Westralian Insurance can help.

We are a local, family owned business, and pride ourselves on our friendly, knowledgeable and honest service and advice.

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