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 today!

Wednesday, 31 May 2017

Do I need public liability insurance?

Most businesses should strongly consider Public Liability insurance!  It is especially important for any business that comes into regular contact with the public.  It covers third party property damage, and personal injury and indemnity limits typically range from $5 million to $20 million, with some larger companies even taking as much as $50 million Public Liability cover.  In today’s increasingly litigious society, it would be dangerous to run a business without any Public Liability insurance.  Premiums vary depending on the type of risk but can start from as little as $250.
Ensure your business is fully protected!  To speak with one of our fully qualified insurance brokers today, call (08) 9302 1388 or visit now!

Wednesday, 17 May 2017

What insurance should I have as a landlord?

A landlord needs to protect their investment.  Your building sum insured needs to be an accurate replacement value of the building, including costs for removal of debris and associated professional fees such as architect costs.  You should also include some cover for contents which can include such items as carpets, curtains and landlords fixtures and fittings.

Finally, you need to ensure that your policy has some cover for Property Owners Liability.

Additional covers you can add to a Landlord policy are Loss of Rent, Rent Default and Theft by a tenant.
For more information and a free quote, call the friendly staff at Westralian Insurance on (08) 9302 1388, or visit

Wednesday, 3 May 2017

Do I need travel insurance?
Travel Insurance is very important and should be considered carefully prior to any trip away from home.  It can cover many different types of claims ranging from lost baggage and cancelled flights, to hire car excesses and emergency medical procedures.   Policies can be arranged for a single trip, or you can take out an annual Travel Insurance policy to cover all your trips over a twelve month period.
Before you head away on your next business trip or well earnt holiday, contact the friendly and knowledgeable staff at Westralian Insurance.  Call (08) 9302 1388 or visit

Wednesday, 5 April 2017

What insurance do I need for my gardening business?
 Any gardening business operating in Australia should have Public Liability insurance to cover damage to third party property or injury to third parties.  The Public Liability insurers should be notified about the type of premises you work on, as rates can differ depending on whether it is residential or commercial gardening work.  

Tools and mowers can also be insured under the 'General Property' section of a Business Insurance policy, with the added benefit that they are insured anywhere in Australia for damage or theft.  Workers Compensation is also a legal requirement for any gardening companies who have employees.

Westralian Insurance can answer any further queries, plus provide an obligation free quote!  Call today - (08) 9302 1388 or visit

Wednesday, 15 March 2017

What insurance do I need as a sole trader?
The type of insurance you will require as a sole trader will vary, and depend on your occupation.  For example, are you a mobile tradesman, a salesperson or do you own a business premise?  Are you a property owner, importer/exporter or a professional providing specialist advice?  The list of potential insurance policies you may require, based on your individual circumstances, is exhaustive.  It is best that you speak with an expert insurance broker to ascertain which policies you should consider, when protecting yourself and your business. 
Westralian Insurance would love to help!  Call one of our professional and friendly, full qualified insurance brokers on (08) 9302 1388 or visit today!

Thursday, 23 February 2017

What insurance do I need for my cleaning business?
The main exposure for a cleaning business is Public Liability, which is third party property damage or personal injury.  Many cleaning companies work in offices and shopping centres and have to show proof of Public Liability Insurance before they can start work.  Most shopping centres require a minimum of $20 million Public Liability cover.  Workers Compensation is also a legal requirement for any cleaning companies who have employees.

To ensure you're correctly covered for cleaning contracts and jobs right from the word go, talk to the knowledgeable and friendly staff at Westralian Insurance.  Call (08) 9302 1388 or visit