10 articles in this category.
A vehicle used to inspect stock, attend auctions or run between properties is not a private vehicle in the eyes of an insurer. A look at how commercial motor and private motor policies differ – and why the distinction matters at claim time.
When a fire, storm or cyber event takes a business offline, the building can be rebuilt long before the income returns. A look at why Business Interruption sits alongside material damage cover in any serious insurance program.
A physical work exclusion is appearing on some Livestock Agent Liability policies. It may appear as an endorsement on the schedule, but the practical effect is that cover can narrow where a claim arises from manual labour or hands-on operational work.
Saleyards concentrate people, livestock and machinery into a small space on a single day. A look at where Public Liability claims arise for Australian livestock businesses, and how the policy responds when something goes wrong on sale day.
Drone footage has become standard for rural and lifestyle property marketing in Australia. A look at the aviation, privacy and professional-conduct exposures that come with it – and how an agency's insurance program responds.
Businesses routinely engage contractors – junior selling agents on commission, casual yard staff, buyer's agents and aerial photographers. A look at where the liability for their conduct sits and how the business's policies respond.
Open homes, private inspections and on-site appraisals are the highest-frequency moment of exposure for Australian property businesses. A look at where claims arise and how Public Liability and Professional Indemnity respond.
Most business reviews focus on Professional Indemnity and Public Liability. The exposure that most often produces an existential loss for an agency is the interruption of its own operations. A look at how business interruption cover responds.
Buying insurance direct from an insurer and buying through a broker look similar from the outside. The difference shows up in advice, the policy wording you end up with, and what happens when you need to make a claim.
Policy schedules, broker letters and claim correspondence are full of terms most people never use anywhere else. A plain-English glossary of the Australian insurance terms that matter most.
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