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Strata properties are a popular form of residential and commercial ownership, offering shared facilities and collective management. While they provide convenience and community living, strata schemes also carry unique risks that can be costly if not properly insured. Many owners’ corporations (OCs) rely on standard insurance coverage, assuming it’s sufficient. In reality, gaps in coverage can leave both the property and residents financially exposed. This guide examines the r

The landscape of business insurance is evolving, and Liability, Directors & Officers, and Professional Indemnity (LDI) standards are no exception. For businesses of all sizes, these updates are more than just regulatory changes; they can affect coverage, risk management, and even strategic decision-making. Understanding these changes now is key. Waiting until standards are officially in place could leave your business underinsured or exposed to unforeseen liabilities. In this

Public Liability Insurance is one of the most common business insurance questions online, and for good reason. Many business owners, freelancers, contractors, and self-employed professionals want to know whether it’s required, what it covers, and whether the cost is worth it. If you’ve ever asked yourself, “Do I actually need public liability insurance?”  — this guide breaks it down in simple terms so you can make an informed decision. What Is Public Liability Insurance? Publ

The building landscape in Australia is changing fast . Across NSW and other states, reforms are reshaping accountability, project oversight, and the way developers manage construction risk. As the sector moves toward higher standards of transparency and responsibility, Latent Defects Insurance (LDI)  is becoming more than a niche protection — it’s emerging as an essential layer of assurance . 1. The Regulatory Shift: From Rectification to Prevention Recent building reforms,

In Australia’s construction and property sector, confidence is currency.  Developers, builders, and owners alike are seeking more reliable ways to protect projects from unforeseen risks. One of the most important yet often misunderstood protections available today is Latent Defects Insurance (LDI). What Exactly is Latent Defects Insurance? Latent Defects Insurance provides cover for the cost of repairing or rectifying physical damage to a building that results from hidden def

When it comes to protecting what matters most, having the right insurance coverage is essential. Whether you are safeguarding your home, vehicle, business, or health, finding insurance that fits your unique situation can make all the difference. This guide will help you explore comprehensive insurance options designed to meet your specific needs, ensuring peace of mind and financial security. Understanding Comprehensive Insurance Options Comprehensive insurance options go bey

It’s one of the first questions every business owner asks: “How much will insurance cost me?” If you’re running or starting a business in...

In recent years, more people are working from home or running side-businesses from their living space. Whether you’re freelancing,...

Starting a business in Australia is a major milestone, but too often, founders overlook one crucial step: insurance. The right policy can...

When it comes to protecting your business, property, or personal assets, choosing the right insurance partner is a critical step. One of the biggest questions many people face is whether to buy insurance directly from an insurance company or to work with an insurance broker. Both options have their benefits, but the right choice depends on your situation, the type of cover you need, and how much guidance you want along the way. Understanding Insurance Options What’s the Diffe

Construction is one of Australia’s highest-risk industries and without the right insurance, even a minor accident can lead to major...

Navigating the world of insurance can be a daunting task. With countless options available, each with its own set of complexities, it can...

Starting a business in Australia is a major milestone. However, many founders overlook one crucial step: insurance. Having the right policy can protect your income, reputation, and assets when things go awry. Whether you're a sole trader, a consultant, or running a small team, understanding your risks from day one can save you from major headaches later on. In this post, we’ll unpack the essential types of business insurance for Australian startups and how to determine what f