professional liability insurance, professional indemnity

Your guide to professional liability insurance

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.

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cyber risk

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

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?'.

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No-till farming

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

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.

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Renter's insurance: A couple unpacking many moving boxes

Renters: protect your possessions with tenant’s insurance

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.

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Grampians at sunset

12 days of Christmas – Horsham edition

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!

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Tradies: Protect your business with tool insurance

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.

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