Wednesday, 18 October 2017


What insurance do I need as a subcontractor?

The main exposure for any subcontractor is Public Liability, which is third party property damage or personal injury.  Many contractors working in the construction industry need to show proof of Public Liability Insurance before they can commence work.  The level of cover usually has to match that of their principal contractor. 

Subcontractors working in any design, advisory or consultancy-type roles should also consider Professional Indemnity, to cover professional errors relating to their advice and/or designs.  Workers Compensation is also a legal requirement for any subcontractors who have employees.

Westralian Insurance can answer your questions, as well as provide a complete insurance solution, tailored to your individual requirements!  Call the friendly professionals today on (08) 9302 1388 or visit www.westralianinsurance.com.au


Wednesday, 4 October 2017


What insurance does a massage therapist need?

Massage therapists are in constant contact with the public, and therefore Public Liability would be their biggest risk to insure.  Some massage therapists set themselves up in shopping centres and must have a minimum of $20 million Public Liability to work there.  If the massage therapist business has a physical address from which they operate, they should consider a Business Package policy to cover Contents, Stock, Glass and possibly Business Interruption to cover their income in the event of a claim.  Workers Compensation is also a legal requirement for any massage therapists who have employees working for them.

If you have insurance questions, Westralian Insurance can help!  Our staff are fully qualified and undertake ongoing training to remain abreast of legislation and insurer updates.

Call today on (08) 9302 1388 or visit www.westralianinsurance.com.au!


Wednesday, 20 September 2017


What insurance do personal trainers need?

The main exposure for personal trainers is Public Liability, due to their high level of interaction with the public. This type of insurance covers them for third party personal injury and/or property damage.  The cover is Australia-wide, which is vital for personal trainers who often work in more than one location.  Workers Compensation is also a legal requirement for any personal trainers who have employees working for them.

For more information, call Westralian Insurance.  Their knowledgeable and friendly team are fully qualified and dedicated to keeping abreast of the latest rules and regulations concerning all types of business insurance.

Call (08) 9302 1388 or visit www.westralianinsurance.com.au today!

Wednesday, 30 August 2017


Do I need insurance to sell candles?

In order to sell candles via retail or wholesale channels, you should obtain a General Liability policy for at least $5 million, but preferably $10 million or $20 million given today’s increasingly litigious society. 

The policy should also include Products Liability to cover any third party property damage or personal injury arising from the products themselves.  The stock of candles should also be insured for full replacement value in the event of fire, storm, theft etc.

Furthermore, any retailer with employees must take out Workers Compensation for their staff as a statutory requirement.

For more information, advice or a quote, call the knowledgeable and friendly staff at Westralian Insurance on (08) 9302 1388 or visit www.westralianinsurance.com.au


Wednesday, 2 August 2017


What insurance does a strata unit owner need?

Strata unit owners should insure their contents for full replacement value.  They should also make sure an adequate Buildings policy is in force to cover the buildings, all of the units within the strata, as well as the common grounds.
 
This policy should also include Workers Compensation for any workers who work on the common grounds, such as gardeners or maintenance workers.  Finally, Public Liability should also be included on any Strata buildings policy.
 
For a free quote or insurance review on your insurance, call the knowledgeable and friendly professionals, Westralian Insurance on (08) 9302 1388...or visit www.westralianinsurance.com.au
 
 

Wednesday, 19 July 2017


What type of insurance should a design professional have?

Any design professional should consider Professional Indemnity insurance, a must-have policy.  This will protect you against claims for professional errors associated with your designs, which can often lead to costly financial losses for any third party.  Public Liability is also a risk if you come into contact with the public.  If you're a design professional with employees, Workers Compensation insurance should also be taken out.

For more information or an obligation free quote, call Westralian Insurance on (08) 9302 1338 or visit www.westralianinsurance.com.au


Wednesday, 14 June 2017


What type of insurance does a contractor need?

The main exposure for any contractor is Public Liability insurance, which is third party property damage or personal injury.  Many contractors working in the construction industry, need to show proof of Public Liability Insurance before they can commence work, and the level of cover usually has to match that of the principal contractor on the project.  Contractors working in any design, advisory or consultancy-type roles should also consider Professional Indemnity insurance, to cover professional errors relating to their advice and/or designs.  Finally, Workers Compensation is also a legal requirement for any contractors who have employees.                                       

For more information or a quote, call the friendly professionals at Westralian Insurance on (08) 9302 1388...or visit www.westralianinsurance.com.au today!