Monthly Archives: October 2026

Review tradie insurance costs without overlooking cover: compare payment terms, packages, business changes, equipment values and liability limits. 阅读中文版 In this articleCompare the total cost of payment optionsConsider packages without assuming they are always cheaperTell your broker when the work changesKeep equipment values and liability limits relevantMake the renewal discussion practical When work is busy, […]

Explore business uses for drones in farming, delivery and construction, plus questions about operators, permissions, equipment and liability. 阅读中文版 In this articleAgriculture: a different view of a working propertyDelivery: more than a flying parcelConstruction: visibility across the projectCheck the operator and the proposed flightSeparate equipment loss from operational liability Drones can help businesses see, measure […]

Review permitted use, guarantees, outgoings, make-good obligations and insurance clauses before committing to a commercial lease. 阅读中文版 In this articleConfirm the premises can be used for your businessUnderstand guarantees and the full costAgree who repairs, maintains and makes goodRead insurance clauses before arranging coverBring the review together Rent is only one part of the cost […]

Five landlord insurance questions to review, from vacant properties and tenant damage to short-term letting, rental income and policy conditions. 阅读中文版 In this article1. Keep reviewing the property while it is vacant2. Check pet damage, tenant damage and security separately3. Distinguish landlord cover from owner-occupied home cover4. Discuss short-term letting before you start5. Look beyond […]

Understand five professional indemnity insurance issues: insured services, omissions, claims-made cover, run-off arrangements and retroactive dates. 阅读中文版 In this article1. It is not only for traditional professions2. An omission can matter as much as incorrect advice3. Claims-made cover requires attention to timing4. Stopping work does not necessarily end the exposure5. The retroactive date needs checking […]

Four practical cyber security mistakes to review: staff awareness, unclear responsibilities, missed updates and an incomplete recovery and insurance plan. 阅读中文版 In this article1. Assuming staff already know what to do2. Leaving every decision to the IT team3. Delaying updates and overlooking backups4. Treating recovery and insurance as an afterthought A small business can depend […]

Review medical practice risks, including records, communication, changing services and professional indemnity arrangements for practitioners and clinics. 阅读中文版 In this articleKeep records that explain the care providedMake communication and follow-up responsibilities clearReview changes to your workUnderstand the professional indemnity arrangementsLook beyond the individual practitioner Good clinical care relies on more than the consultation itself. Clear […]

Review commercial landlord risks, including vacancy, maintenance, lease responsibilities, building values and the limits of rental-loss insurance. 阅读中文版 In this article1. Vacancy and changing tenant demand2. Location and the activities inside the building3. Maintenance and replacement costs4. Responsibilities under the lease5. Match the insurance discussion to the property Commercial property can bring together investment income […]

Management liability insurance needs to be read section by section. Review who is insured, which management risks are included and when a claim or circumstance must be reported.