General Insurance Corporation vs a Broker: Who Works for You?
An insurance broker vs insurance company comparison starts with who arranges cover and who carries the risk. A broker helps a client compare and arrange policies; the insurer issues the policy and assesses claims under its wording. Before buying, check the insurer on APRA’s register of general insurers and ask your broker to explain the […]
Public Liability Insurance Cost Australia: 2026 Pricing Guide
What Is Public Liability Insurance and Why Does It Matter? What Affects Public Liability Insurance Cost in Australia? Your Industry and Trade Your Annual Revenue and Turnover The Level of Cover You Choose Your Claims History Where You Work The Number of Employees and Subcontractors Why Generic Price Estimates Fall Short What a Standard Public […]
Code Compliance and Commercial General Insurance: A Broker’s Checklist
Commercial general insurance is the label lenders, landlords and contract principals usually have in mind when they ask a business to prove it is properly covered. In practice it is a collection of covers rather than a single product. Business insurance, also known as commercial insurance, is intended to help protect a business from certain […]
General Insurance Code of Practice Claims for Small Business
General Insurance Code of Practice claims are handled under standards that apply to insurers that have adopted the Code, subject to its scope and exceptions. For a small business, the Code can help clarify expected communication, timeframes and complaint steps. Check the current Insurance Council Code of Practice and the policy terms before relying on […]
What Is Builders Risk Insurance and Do Australian Builders Need It?
The American Term and Its Australian Equivalent What Does This Cover Actually Protect? What Is Not Covered Do Australian Builders Legally Need It? Contractual Requirements Mandatory Insurance vs Contract Works Owner Builders How Project Characteristics Affect Your Cover What Other Insurance Do Builders Need Alongside Contract Works Cover? Why the Terminology Gap Matters for Australian […]
General Insurance Code of Practice: Australian Business Guide
The General Insurance Code of Practice sets standards for insurers that subscribe to it, including how they communicate with customers and handle claims and complaints. For Australian businesses, the Code is useful context alongside the policy wording, but it does not replace statutory rights or guarantee a particular claim outcome. Check the current Code and […]
General Insurance Code of Practice: A 2026 Business Guide
A general insurance policy is a contract, but the relationship around it is about more than the wording. How an insurer explains a product before you buy, how it manages a claim after an incident, and how it responds when something goes wrong are all shaped by a set of industry standards known as the […]
Owner Builder Insurance: Full Cover Checklist Before You Self-Manage a Build
What "Owner Builder" Actually Means for Insurance The Core Policies on Your Checklist Contract Works (Builders Risk) Insurance Public Liability Insurance Home Warranty Insurance (Domestic Building Insurance) Workers Compensation Personal Accident and Income Protection State-by-State Rules You Need to Know Pre-Build Insurance Checklist by Stage Before You Apply for a Permit Before Work Starts on […]
Business Interruption Insurance for Construction: What Happens When a Site Shuts Down?
Why Construction Sites Face Unique Interruption Risks What Business Interruption Insurance Covers on a Construction Site The Indemnity Period How Contract Works and Business Interruption Interact Common Triggers for a Site Shutdown Claim What Business Interruption Insurance Does Not Cover How to Assess the Right Level of Cover Working With a Broker to Structure the […]
Project Insurance for Construction: How to Structure Cover for a Single Large Build
What "Project Insurance" Actually Means in Construction The Core Covers in a Construction Project Insurance Package Contract Works Insurance Public Liability Insurance Professional Indemnity Workers Compensation Subcontractor Default and Performance Covers How to Structure the Package: Key Decisions Who Takes Out the Policy? Setting the Sum Insured Correctly Matching the Policy Period to the Project […]