Under the Workers’ Compensation and Injury Management Act 1981 (WA), any person who works under a contract of service or apprenticeship may be considered a ‘worker’ and must be covered by workers' compensation. This includes some contractors and subcontractors, even if they have their own ABN, operate as a business, or invoice you.

Workers compensation insurance isn't just another business expense—it's essential legal protection for both you and your employees. In Western Australia, if you employ anyone – whether full-time, part-time, or casual – you are legally required to maintain a current workers compensation insurance policy. This requirement applies from the moment you hire your first employee, regardless of the size of your business or industry.

Market stalls present unique liability exposures: Physical Injuries such as tripping hazards or unstable structures. Product Liability if your product causes illness, allergies or injury. Property Damage if your equipment damages the venue or other property. Food vendors also face additional risks related to foodborne illness and contamination. Public liability insurance can cover legal costs, compensation, medical expenses, product liability and property damage.

If you’re a subcontractor in Western Australia, it’s common to be asked by a principal contractor or client to add them as an interested party on your workers' compensation policy, often referred to as a Principal’s Indemnity Extension. This provides evidence that if one of your workers is injured on the job they won't be held liable.

Most direct insurers usually offer Listed Events only as standard. While it’s cheaper, it can also leave you exposed when something unexpected goes wrong. With a Listed Events policy, your insurance will only respond to specific events, and if the damage doesn’t fall under one of these predefined events, it may not be covered. Accidental Damage provides broader protection. It includes everything covered under Listed Events, plus unexpected, unintended, and unforeseen damage.

If something unexpected happens — like a storm, theft, or accidental damage to your home — submitting a home and contents insurance claim may feel overwhelming. But that’s exactly what your insurance is there for. Start by telling us: a brief summary of what happened, provide photos or videos of the damage, list damaged or lost items, provide repair or replacement quotes (if available), and provide police report details if relevant.

If you’ve been involved in a motor accident and believe you’re not at fault, it’s important to take the right steps straight away. This helps protect you legally, support your insurance claim, and recover your costs sooner. Make sure everyone is safe, collect important details at the scene, report the incident to police, and contact your broker as soon as possible.

Workplace injuries can happen in any business — and when they do, it's critical to act quickly and correctly to look after your workers and meet your legal obligations. Firstly, make sure the worker gets medical attention. Secondly, complete a claim form, obtain a First Medical Certificate and sign a Broker Consent form. The employer must provide the broker with an injury report and the broker will lodge the claim with the workers' compensation insurer.

EPS stands for Expanded Polystyrene — a lightweight, rigid foam material often used in building construction. You’ve probably seen EPS as coolroom panelling, ceiling or wall insulation, wall sheeting or cladding, internal sandwich panels for factories, or external cladding. EPS is considered a combustible material and if exposed to fire or high heat, it can ignite and spread quickly. Because of this, buildings with a high percentage of EPS are considered higher risk by insure

When it comes to insurance, most people focus on the premium — but the real value of your policy is tested at claim time. Policyholders with a broker often receive a higher percentage of their claim paid out than those using direct insurers. Industry data shows that individuals or businesses working with a broker are more likely to have their claim paid in full (or close to full), avoid unnecessary disputes, exclusions, or short payments, and receive faster resolutions with f

Run-off insurance is a continuation of your Professional Indemnity Insurance, designed to protect you against claims made after you’ve stopped operating or providing services. So if you cancel your policy when you retire or wind down, and a claim comes in later — you won’t be covered. That’s where run-off comes in.

Not all insurance policies respond the same way when something goes wrong — especially when it comes to Liability vs Professional Indemnity. Occurrence-based policies (i.e. Public Liability) cover events that happen during the policy period, even if the claim is made years later. Claims-made policies (i.e. Professional Indemnity) cover claims that are made while the policy is active, regardless of when the work was done. Cancelling this type of policy means you're not cover