Whether you run a farm, a trade business or a small retail shop, understanding your risks with a risk audit is the first step to protecting what you’ve built. And while insurance plays a crucial role, it works best when paired with proactive risk management.
That’s where a risk audit comes in. Think of it as a health check for your operation—a practical way to identify potential hazards, prevent incidents, and make your business safer, more resilient and more insurable.
When you think of cyber attacks, you might picture big corporations or city-based tech companies. But the reality is, small businesses and farms—especially those in regional areas—are becoming increasingly attractive targets for cyber criminals.
Farming properties aren’t just places of business—they’re often homes, workplaces and open environments where suppliers, contractors, visitors or even trespassers might enter. But what happens if someone is injured while on your farm?
Whether it’s a delivery driver slipping on a wet surface, a contractor hurt by machinery, or someone injured by livestock near a boundary fence, incidents like these can result in serious legal and financial consequences. That’s where public liability insurance becomes essential.
Small business owners in regional areas like Horsham face a wide range of environmental and operational risks. A bushfire can sweep through with little warning. A sudden hailstorm can damage vehicles, stock or roofing. And rural properties are not immune to theft or vandalism.
Property insurance is designed to help you recover from these events—but only if your cover reflects your current risks and asset values. In this post, we’ll explore how to keep your insurance up to date, avoid common pitfalls, and ensure your business is protected.
Running a farm involves managing a wide range of risks—from unpredictable weather to equipment failure and livestock loss. While most farmers carry insurance, some can be surprised to discover gaps in their cover when it comes time to make a claim. These oversights can result in financial stress or even the inability to recover from a major setback.
What would it cost if you had to unexpectedly close your business tomorrow? Understanding business interruption insurance.
Whether you’re a sheep farmer, a sheep breeder or a smallholder, protecting against the many risks they (and you) encounter is critical to your peace of mind. Australian sheep graziers must constantly manage the risks of changing global market settings and volatile domestic conditions.
Whether it be for fruit-picking, seed-planting, or crop-spraying, Aussie farmers are grateful for temporary workers, and recruits are grateful for the work. But the work itself is a tough row to hoe, and adequate workers’ compensation is vital, as well as being a pro when it comes to farm safety.
As climate-related weather risks become increasingly complex and unpredictable, a new game-changer is emerging — parametric insurance. It transforms the uninsurable into insurable, long-drawn-out processes into trouble-free, and confusion into transparency.
Could it be the tool you need to build risk resilience? Find out in our latest blog.
When it rains, it pours — especially if you’re an Aussie farmer. Bushfire season is a dreaded time for many of us, and our risk continues to increase year on year thanks to climate change. So, what’s the outlook for this season’s bushfires? How is climate change adding fuel to the fire? And how can Australian farmers prepare? Find out in our post.
