Most Australians are underinsured – are you one of them?

About 95 per cent of Australians are underinsured, according to a report by Lifewise, with most people citing their home or investment portfolio as their biggest asset. However, HLB Insurance Services risk adviser, Andrew Kennedy, warns that this could be a grave mistake. “Few people realise that their home or car isn’t their biggest or… Continue reading Most Australians are underinsured – are you one of them?

Small Business Insurance for Convenience Stores

If you own, or are planning to open, a convenience store, then you’ll be glad to know that you’re entering a thriving industry. Australia’s convenience store industry is one of the strongest in the world, with growth outpacing grocery, pharmacy, and liquor – making owning a convenience outlet a more attractive proposition than ever. But as… Continue reading Small Business Insurance for Convenience Stores

4 most important types of insurance for carpenters

If you’re a carpenter, you probably work for yourself. If you’re like most carpenters, you do much of your work onsite for a builder. As well as this, you may do small projects for individual customers on the side. Since you work for yourself, you own and are responsible for the most important assets you… Continue reading 4 most important types of insurance for carpenters

Why companies are spending big bucks on insurance

Even from your first day in business, you will be exposed to certain risks. From the moment you hire your first employee, have a hundred under your watch or packing up shop and exiting, insurance has to be top of mind. It is all about ensuring you and your employees are covered no matter what… Continue reading Why companies are spending big bucks on insurance

Small business insurance for hairdressers

You’ve done the hard yards washing hair, booking appointments, and sweeping floors. Now it’s finally time to work for yourself. As a hairdresser, there’s plenty of opportunity to grow your own business, from renting a chair, to opening your own salon. Just as important as growing your business however, is protecting it. In this article,… Continue reading Small business insurance for hairdressers

On the road: Insurance for mobile businesses

Mobile businesses are unique.  From taco vans to locksmiths, and dog groomers to plumbers, these businesses gain a competitive edge through their ability to operate from any location. Mobile businesses have needs that are very different from their stationary counterparts. They need different stock, different equipment, and importantly, different insurance.  In this article, we explain… Continue reading On the road: Insurance for mobile businesses

In case of fire: why you need Business Interruption Insurance

Have you thought about what would happen if your business burned down? There will be stock and equipment to replace, repairs to be made, staff to reorganise  and perhaps even customers to refund. With all of this to do, it could take weeks or months before your business is ready to reopen its doors and continue… Continue reading In case of fire: why you need Business Interruption Insurance

Five ways to support your growing micro-business

Commonly defined as enterprises employing nine or fewer people, “micro-businesses” are big players on the business stage. In 2013, they accounted for 14% of all businesses newly opened in Australia, but only 9% of businesses shutting down[1]. Any new business will face its share of growing pains. When you’re trying to grow your business without… Continue reading Five ways to support your growing micro-business