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!

What are common exclusions in Professional Indemnity insurance policies?

Exclusions can vary depending on the insurer and policy, but common exclusions may include claims arising from criminal acts, intentional wrongdoing, contractual liabilities not covered by the policy, and certain types of liabilities (e.g. bodily injury or property damage, which are typically covered by other types of insurance).

Professional Indemnity insurance is essential for those engaging in professional practice, including consultants, lawyers, financial planners, architects, engineers and more.

If you've got questions, Westralian Insurance can help.  We'll also ensure you and your business are fully protected, with an integrated insurance solution. Give our friendly, qualified team a call today, on (08) 9302 1388 or visit www.westralianinsurance.com.au

Can I add additional insureds to my Public Liability policy?

Yes, many insurers allow you to add additional insured parties, such as clients, landlords, or event venues, to your public liability policy. This can provide them with coverage under your policy for claims related to your business activities.

If you've got insurance questions, Westralian Insurance has the answers!  Give the friendly, professional team a call today on (08) 9302 1388, or visit www.westralianinsurance.com.au

Do I need Public Liability insurance if I work from home?

If your business involves interactions with clients, suppliers, or the public, even if it's based at home, public liability insurance is still recommended to protect against potential claims for injury or property damage that may occur on your premises or as a result of your business activities.

Even if you work from home, it's important you and your business are fully protected, with a tailor made insurance package and claims support at the ready. 

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

Are there any exclusions or limitations to Public Liability insurance?

Common exclusions or limitations may include claims arising from deliberate acts, criminal activities, contractual liabilities not covered by the policy, and certain high-risk activities or locations.  It's essential to review your policy documents carefully to understand what is and isn't covered.

Our team at Westralian Insurance would love the opportunity to chat to you about your business insurance, and answer any questions you may have.  Our knowledgeable and fully qualified team know the questions to ask, to ensure your business is fully protected, as well as answer any questions or queries you may have.

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

How can I lower the cost of Public Liability insurance?

You can lower the cost of Public Liability insurance by implementing risk management practices to reduce the likelihood of incidents, choosing a higher deductible (excess), and comparing quotes from multiple insurers to find the most competitive rates.

Westralian Insurance can help!  Give the team a call today and have an obligation free chat with our fully qualified insurance brokers.  They will take the time to understand your business, and strive to find the best insurance solution to meet your requirements, no matter what type, size or age of your business.

Give the team a call today, on (08) 9302 1388, or visit www.westralianinsurance.com.au

What is the difference between Public Liability insurance and Professional Indemnity insurance?

Public Liability insurance covers claims for injury or property damage caused to third parties as a result of your business activities, whereas Professional Indemnity insurance covers claims arising from professional advice or services you provide that result in financial loss to a client or other third party.  

If you own a small to medium business, it's worth speaking with an insurance broker regarding your business requirements.  Westralian Insurance is here to help, so give the local team a call today.  Call (08) 9302 1388 or visit www.westralianinsurance.com.au

How much public liability insurance do I need?

The amount of coverage you need depends on factors such as the size and nature of your business, the level of risk associated with your activities, and any contractual requirements from clients or regulatory bodies.  It's essential to assess your specific risks and consult with an insurance advisor to determine adequate coverage limits. Typical limits of cover are $5 million, $10 million and $20 million.

For professional advice from a fully qualified insurance broker, call the team at Westralian Insurance today, on (08) 9302 1388, or visit www.westralianinsurance.com.au

  

What does Public Liability insurance cover?

Public liability insurance typically covers legal costs, compensation payments, and other expenses associated with claims for bodily injury or property damage caused to third parties due to your business activities. It may also cover product liability claims related to goods you supply and/or manufacture.

Public Liability insurance should be an important consideration for many businesses.

Give the team at Westralian Insurance a call today to discuss your business insurance requirements and ensure your most precious assets are protected.

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

Is Public Liability insurance mandatory in Australia?

While Public Liability insurance is not legally required for all businesses in Australia, it is highly recommended, especially for those that interact with the public or have physical premises.  Some industries or clients may require proof of Public Liability insurance before doing business with you.

If you own a small business, it's worth speaking with a qualified insurance broker about your business insurance requirements, including whether you should have Public Liability policy.  Give the friendly professionals at Westralian Insurance a call today on (08) 9302 1388, or visit www.westralininsurance.com.au

What is Public Liability insurance?

Public Liability insurance provides protection for businesses and individuals against claims for injury or property damage caused to third parties (such as customers, suppliers, or the general public) as a result of their business activities.

Public Liability insurance is a must have for many businesses and it's certainly worth speaking with an insurance broker regarding your business, objectives and risks.

Give the friendly, fully qualified team at Westralian Insurance a call today, to discuss your business risks and insurance requirements.  Call (08) 9302 1388 or visit www.westralianinsurance.com.au 

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 insurance to walk dogs?

Public Liability insurance is essential for any dog walking business, in order to cover claims for third party property damage and/or personal injury.

If you've got a small business, Westralian Insurance is here to help.  Our fully qualified, friendly team can assist with your business insurance requirements, understanding what insurance you may need and tailoring an insurance solution.

Call the team today 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

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!

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

Does my business insurance cover insurance contractors?

Business Package insurance policies often include Public Liability cover.  However, it’s common for the Public Liability cover to exclude claims by subcontractors. Independent contractors should take out their own Public Liability policies in order to avoid having a claim declined by a Principal’s Public Liability insurer. 

It’s possible to obtain cover for subcontractors under some policies but it usually requires referral to the insurer and often requires the subcontractors to be named on the policy by endorsement.

Westralian Insurance are your small business insurance brokers.  We take the time to fully understand your business and will provide a complete insurance solution.

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

What insurance does a builder need?

The most important policy for a builder to carry is Public Liability.  This covers third party property damage and personal injury. 

Builders always come into contact with the public and are often on third party property, so Public Liability claims are frequent.

Tools are also important to insure for their full replacement value.  Without their tools, builders are unable to work so covering them (especially against theft) is vitally important.

Workers Compensation is a statutory requirement for builders who employ others.  Many construction companies will not allow builders on-site without adequate Public Liability and Workers Compensation insurance.

Finally, Contract Works is another policy that builders should consider.  It covers a building contract during the construction phase and can include all tools and materials on-site.

There's a lot to consider as a builder and Westralian Insurance can help!  Call us today on (08) 9302 1388 or visit www.westralianinsurance.com.au

What insurance do I need to deliver takeaway orders?

Commercial motor insurance is vitally important for a takeaway business, with the option of open driving for all delivery drivers.  Public Liability is also important in order to cover any potential claims for third party property damage or personal injury.  It is also a legal requirement for takeaways with employees to have a current Workers Compensation policy in force.

With the current climate, it's never been more important for businesses providing takeaway food and drinks, to ensure they are fully insured.

Westralian Insurance is here to help.  Call our friendly, knowledgeable staff today on (08) 9302 1388, or visit www.westralianinsurance.com.au