Insights and Resources

Say you run a business coaching practice. During a workshop, a client trips over a cable and injures their wrist. Months later, another client claims the growth strategy you recommended caused them a $60,000 financial loss. Same business. Two incidents. Two entirely different risks.

You've delivered the work, the project is finished and the invoice has been paid. Then, weeks or even months later, a client contacts you, claiming that your advice, recommendations or professional services caused them financial loss.

A professional indemnity claim can create real financial exposure well before anyone decides whether you were at fault.

As a graphic designer, your days are filled with focussing on creating gorgeous visual assets that help businesses thrive.

When you work in graphic design in Australia, your day is focused on brand strategy, creativity and delivering great visuals.to bring a client’s vision to life. You may think your work is low risk, which is easy to do when you get lost in the creative process. After all, you’re not performing surgery.

The end of the financial year is usually when small business owners review tax records, budgets, expenses, accounts and plans for the next financial year. It is a busy period, but it is also one of the best times to step back and look at how your business has changed over the year. When it comes to insurance, you might just want to renew your existing policy.

Business insurance is changing as Australian businesses change the way they operate. More businesses now rely on digital systems, outsourced services, remote work arrangements and technology-driven processes to stay competitive. While these shifts create new opportunities, they also introduce risks that many businesses may not fully recognise until something goes wrong.

When your business interacts with customers, clients or the public, you carry a level of responsibility for what happens during those interactions. Imagine your client visited your premises for a meeting, tripped over an unmanaged cord, fell and injured their wrist.

The peaceful environment of a yoga studio often masks the significant legal and financial risks that come with the territory. While your focus is on flow, mindfulness, and alignment, the reality of running a yoga business is that you are responsible for the physical and mental well-being of every person in that room.