Your guide to professional liability insurance

August 25, 2021

As a professional, you strive to provide your clients with exceptional advice and quality service. But no matter how experienced, educated, or genuine your intentions are, there’s always a risk something could go wrong, and an allegation be made. That's where liability insurance comes in.

If you’re an accountant providing tax advice, an architect providing a design, or a consultant delivering business guidance, professional indemnity insurance (PI) acts as your safety net in the event of a claim. Whether you’re liable or not, the costs to defend your business against an allegation can be devastating- not to mention the cost of compensation if you’re found liable.

Cyber risks for small businesses: Don’t underestimate the value of your information

August 4, 2021

The past couple of years has been like a stormy sea to Australia’s small businesses, as many struggle to stay afloat. Unfortunately, the same conditions that are so challenging for our businesses are also the ones where cybercriminals thrive. According to the Government's cybersecurity agency, the ACSC, there has been a 60% increase in ransomware attacks against Australian entities in the past year. Untangling the aftermath of an attack on your small businesses can be expensive and stressful, while a data breach can cause significant financial and reputational damage. Yet, Australia’s small businesses remain seemingly unalarmed, questioning 'Why would somebody bother to attack us?'.

Do your homework when it comes to your property’s unoccupancy clause

June 24, 2021

Nestled within your property insurance, you’re likely to find an unoccupancy clause. In essence, your cover could be reduced or restricted if your premises is unoccupied for more than a set number of days. Find out more.

To till or not to till? The pros and cons of no-till farming

May 26, 2021

Healthy soil is vital to our continued survival - granting us the food we eat, the clothes we wear and the air we breathe to name a few. So, the estimate that all fertile soil will be gone within 150 years is naturally a worrying thought. Is no-till farming the solution? Let’s take a look at some of the pros and cons behind this growing farming method.

Hospitality insurance: Because you’ve got enough on your plate already

May 17, 2021

Whether you own a charming café concealed in an alleyway, a pizza restaurant or a hipster cafe in the heart of town, your hospitality business has likely been hit-hard by the challenges of the pandemic. As the hospitality industry climbs back onto its feet, we want to make sure your business is ready to take on the rush.

Renters: protect your possessions with tenant’s insurance

March 16, 2021

Across some areas of Australia, the rental market continues to feel the lingering presence of prolonged lockdowns, and Victoria is certainly no exception. With opportunities to rent at cheaper prices in some areas, Aussies are choosing to take advantage while they can. If you’re one of the opportunists thinking of snatching up a bargain, make sure you don’t skimp on renter’s insurance.

Harvest your time in farm safety checks and you’ll reap what you sow

February 2, 2021

As an Aussie farmer, you’ll know that farms can be one of the most dangerous places to work. Managing risks and hazards on a farm can be daunting when you consider the depth of responsibility, from the obvious to the not-so-obvious.

12 days of Christmas – Horsham edition

December 16, 2020

At Western General Insurance, we’ve been looking after clients in the Horsham, Wimmera and greater western Victoria region for more than 30 years – so it’s no surprise we’re a big fan of this town and the region. In the spirit of Christmas, and potentially staying local this summer, we’ve put together a ’12 days of Christmas’-esque list of the things we love about this area. So here it is – the 12 days of Christmas, Horsham edition!

Start a new business and make it thrive amid the pandemic and beyond

November 29, 2020

Launching a new business or start-up as a sole trader during a pandemic is challenging, but it's not impossible. The crisis has opened up a world of possibilities to entrepreneurs willing to take a shot.

Tradies: Protect your business with tool insurance

October 20, 2020

Incidents of tool theft occur all over Australia, with power tools being a key target for thieves. If you’re an Aussie tradie, you’ll know how valuable and essential your tools really are. If you were a victim of theft, would you be able to turn up the next day and keep working? The likely answer is no – most tradies can’t work without their supplies. Without tool insurance you would have to dig into your own savings to replace your tools.