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Childcare Centre Insurance in Australia: A Complete Guide for Operators (2026)

Quick Answer Every Australian childcare service needs a combination of public and products liability (minimum $10M under the National Quality Framework, $20M is common), professional indemnity, property and business interruption, management liability, workers compensation, and ideally abuse liability and cyber cover. Premiums are individually assessed based on service type, enrolment numbers, staff and claims history. Key Takeaways Public liability of at least $10M is

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Insurance industry guide: landscape gardeners and tree loppers

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Aussies love a backyard, so it’s no surprise landscapers are thriving. A number of different business models operate across the sector, including sole traders and proprietary limited companies and insurance differs across these options. There are also state-based variances in the cover landscapers can secure. When we talk about landscapers, we mean people who look

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Does my small business need an insurance broker?

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If you own a business, chances are you’ll need a range of different insurance policies to help protect your operations, assets and employees. However, determining the type and level of cover appropriate for your needs isn’t always a straightforward process – and getting it wrong could cost a lot. That’s why it pays to work

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Steps for your business to take following a cyber data breach

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It’s not if but when a business will experience a cyber breach. Which means it’s vital to be prepared before one happens. The first step for a small business experiencing a cyber breach is to enact its cyber security incident response plan. “If a cyber breach happens, don’t touch anything, call for help,” says Steadfast

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How will ESG risks impact my small business?

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Environmental, social and governance (ESG) strategies and planning are fast becoming a necessity for businesses, rather than a nice-to-have. It’s not just big corporates – even the smallest enterprises should consider ESG risks and how to help mitigate them. It’s an important part of managing climate risks, meeting customer expectations, complying with the law and

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Ensuring your manufacturing business has the right insurance cover

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Australia is home to more than 100,000 manufacturing businesses. If yours is one of them, you’re probably familiar with the challenges that come with operating in this sector. There’s no shortage of things that can go wrong and without the right insurance cover in place, it’s easy to end up out of pocket or, in a worst-case

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How to manage the risks of lithium batteries

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These days, lithium batteries can be found everywhere, from smartphones and laptops to electric scooters, bicycles and vehicles. But while they’re a critical element of modern life – and integral to Australia’s emissions reduction strategy – they have an element of risk attached to them which shouldn’t be ignored. What is a lithium battery? Small

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Understanding how landlord insurance works

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Property can be an excellent long-term investment, but it doesn’t come without risks. There can be a chance your tenants may default on the rent, steal items from the property or cause damage that their bond may not cover. The rental income you rely on to pay the mortgage could disappear if a natural disaster

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5 ways to ensure your business does not stumble trip and fall – liability

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It can all happen so quickly – a customer catches their foot on a chair leg, or slips when coming in from the rain – but your business is left dealing with the legal and financial fallout for months.Whether you have a restaurant, a shop, an office or work from home – if a customer

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What to know about business interruption insurance this bushfire season

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The past few years of natural disasters, from bushfires to floods, have reminded many business owners about the importance of business interruption (BI) insurance. It’s been the difference between keeping their doors open or closing shop for good for some businesses. Business interruption (BI) insurance allows businesses to maintain their cash flow and pay regular

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Childcare Centre Insurance in Australia: A Complete Guide for Operators (2026)

Insurance industry guide: landscape gardeners and tree loppers

Does my small business need an insurance broker?

Steps for your business to take following a cyber data breach

How will ESG risks impact my small business?

Ensuring your manufacturing business has the right insurance cover

How to manage the risks of lithium batteries

Understanding how landlord insurance works

5 ways to ensure your business does not stumble trip and fall – liability

What to know about business interruption insurance this bushfire season

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