Do I need special insurance to be a delivery driver?

Motor insurance for couriers and delivery drivers has to be with a specialist commercial motor insurer, who is able to insure vehicles used for deliveries.

Public Liability should also be taken to cover any potential claims for third party property damage or personal injury.  It is also a legal requirement for courier and delivery businesses with employees to have a current Workers Compensation policy in force.

For more information on insurance cover you may need, call the friendly professionals at Westralian Insurance today, on (08) 9302 1388 or visit www.westralianinsurance.com.au

If I already have Income Protection insurance, do I need Workers Compensation?

If you have employees or contractors, or anyone to whom you pay a wage, then you have a legal obligation to take out Workers Compensation insurance to cover them.  If you are a working director and have already covered yourself with an Income Protection policy, then you may wish to exclude yourself from the Workers Compensation policy as there is no legal obligation to insure directors.

However, there are some differences between Income Protection and Workers Compensation insurance which should be researched before making a decision.  A couple of examples are, that Income Protection covers you both during working hours and outside of working hours, whereas Workers Compensation only covers you whilst you are working.  Also, Workers Compensation covers both loss of income and medical expenses, whereas Income Protection only covers loss of income.

If you've got insurance questions, Westralian Insurance can help!  Call us today on (08) 9302 1388 and speak with our friendly, knowledgeable and local brokers, 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

What is a Certificate of Currency?

A Certificate of Currency is issued by your Insurer as proof that you have an active policy in place.  It is a document on Insurer letterhead, which outlines your cover and your policy period. In order to obtain a Certificate of Currency from your Insurer, the policy must be either paid in full or paid via monthly instalments.

A Certificate of Currency can only be issued once an insurance policy has been bound and paid for in full.  An insurance broker with the required binding authority can issue a Certificate of Currency on behalf of an insurer (called a Certificate of Insurance) as soon as payment for the policy has been received. Some brokers also offer Certificates of Insurance to their clients for a non-refundable deposit payment, typically around $100.

If you need a fast Certificate of Currency, Westralian Insurance can help.  Call our knowledgeable, fully qualified team today on (08) 9302 1388 or visit www.westralianinsurance.com.au

These days, many of us will be aware of just how easy it is to purchase home and contents insurance online.

However, getting the RIGHT home and contents insurance for your most valued asset, is not!

Just ask the possums…

Last Winter, a long-term retail client of Westralian Insurance, headed away to the South West of Western Australia, for a well-deserved holiday with her family.  Whilst she was enjoying some rest and relaxation, a family of possums were busy moving into her house in the hills.

Upon returning, our client quickly realised she had some unwanted guests, who were very unwilling to leave.  Due to them being locked in the house for a week or so, the possum family had also caused a significant amount of damage, especially to some valued antiques…damage to the value of more than $16,000!

As you can imagine, our client was quite distressed when she made the call to us, especially as she had never made an insurance claim before.  Her Account Manager ensured the process remained as stress free as possible, talking her through the course of action and assisting with paperwork.

The Account Manager also arranged for a clean-up/make safe team to attend the property as soon as possible.

Originally, the insurer denied the claim, declaring possums as vermin and therefore not being covered in the client’s insurance policy. 

However, after extensive research by the broker, it was confirmed that possums are indeed NOT classified as vermin in WA, and the claim was covered in full.  The client’s home is also now fully possum proof! 

The client was thrilled with the outcome and we look forward to being of service in the future.

This true story clearly demonstrates the value of engaging an insurance broker for your insurance needs – we are your claims advocate and will always have your back.

Call Westralian Insurance today on (08) 9302 1338, or visit www.westralianinsurance.com.au

I don’t have any employees so do I need workers compensation?

There is no legal requirement to have Workers Compensation insurance unless you have employees or contractors, or someone to whom you pay a wage.  If you are a Pty Ltd company, you can choose to insure yourself for Workers Compensation, however there is no legal requirement to do so.

If you've got questions about business insurance, Westralian Insurance is here to help.  Our staff are fully qualified, and remain up-to-date with all legislation changes and industry requirements.  

Call our friendly, knowledgeable team today on (08) 9302 1388, or visit www.westralianinsurance.com.au

Do I have to cover Sub-Contractors?

It is a legal requirement to have a Workers Compensation policy in place, if you are employing or using Sub-Contractors, unless the Sub-Contractors have their own Workers Compensation policy in place.

A Sole Trader is unable to take out a policy to cover themselves, so any Sole Trader Sub-Contractors will not be able to have their own policy, therefore it is your responsibility to have a policy in place, to cover them whilst they perform work on your behalf.

Westralian Insurance are here to help.  For more information, or to answer any queries you may have, call the friendly professionals at Westralian Insurance today, on (08) 9302 1388 or visit www.westralianinsurance.com.au