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Business Insurance Articles

A Beginner's Guide to Public Liability Insurance: Protecting Your Business
A Beginner's Guide to Public Liability Insurance: Protecting Your Business
Imagine you own a cozy café where people flock for their morning coffee and a slice of solace. Now picture a customer slipping on a wet floor and sustaining an injury. Incidents like this, as unfortunate as they are, can occur in any business setting and often result in legal claims that can be financially draining. This is where public liability insurance becomes a cornerstone for safeguarding your business. - read more
The Importance of Public Liability Insurance in Protecting Your Business
The Importance of Public Liability Insurance in Protecting Your Business
Public liability insurance is a type of coverage designed to protect business owners against claims made by third parties for injuries or damages that occur in connection with business operations. - read more
Essential Public Liability Coverage for Gym and Fitness Center Owners
Essential Public Liability Coverage for Gym and Fitness Center Owners
Running a gym or fitness center comes with unique responsibilities, especially when it comes to providing a safe environment for clients. In this dynamic space, where individuals engage in activities that may pose risks, it is imperative for gym owners to understand the importance of public liability insurance. This type of coverage is a cornerstone for safeguarding your business against claims arising from accidental injuries or property damage to third parties. - read more
Why Retail Store Owners Can't Afford to Skip Public Liability Insurance
Why Retail Store Owners Can't Afford to Skip Public Liability Insurance
As the owner of a retail store, you may not realize that the day-to-day interactions with customers and the public pose significant financial risks. Whether it's a customer slipping on a wet floor or a product causing harm, the threat of negligence claims is all too real. This is where Public Liability Insurance becomes not just a safety net, but a fundamental necessity for your business operations. - read more
The Business Owner's Guide to Calculating Adequate Public Liability Coverage
The Business Owner's Guide to Calculating Adequate Public Liability Coverage
For any business owner, navigating the waters of legal and financial protection can be daunting. Public liability insurance is a lifeboat in this respect; by understanding its basics, businesses can better shield themselves against the unpredictable tides of liability claims. As a starting point, public liability insurance is designed to protect businesses in the event that a third party suffers an injury or property damage due to the business's operations. - read more

Insurance News

ICA Advocates for Overhaul of Civil Liability Laws Amid Rising Insurance Premiums
ICA Advocates for Overhaul of Civil Liability Laws Amid Rising Insurance Premiums
12 Mar 2026: Paige Estritori
The Insurance Council of Australia (ICA) has recently released a white paper highlighting the urgent need for reforms to state and territory civil liability laws, which have remained largely unchanged for nearly 25 years. These outdated laws are contributing to significant increases in public liability insurance premiums, affecting a wide range of businesses across the nation. - read more
Rising Public Liability Insurance Premiums Challenge Australian Businesses
Rising Public Liability Insurance Premiums Challenge Australian Businesses
12 Mar 2026: Paige Estritori
Australian businesses are grappling with a significant rise in public liability insurance premiums, a trend attributed to outdated civil liability laws and escalating legal expenses. The Insurance Council of Australia (ICA) has highlighted that some businesses have experienced premium increases of up to 60% since 2019, placing additional financial strain on various sectors. - read more
ICA Calls for National Review of Civil Liability Laws Amid Rising Insurance Costs
ICA Calls for National Review of Civil Liability Laws Amid Rising Insurance Costs
12 Mar 2026: Paige Estritori
The Insurance Council of Australia (ICA) is advocating for a national review of civil liability laws to address the escalating costs of public liability insurance premiums affecting businesses nationwide. The ICA's recent white paper underscores the need to modernise state and territory laws that have remained largely unchanged for nearly a quarter of a century. - read more
IAG CEO Predicts Ongoing Insurance Premium Hikes
IAG CEO Predicts Ongoing Insurance Premium Hikes
04 Mar 2026: Paige Estritori
Insurance Australia Group (IAG), a leading insurer in Australia, has reported a significant 91% increase in net profit for the first half of the 2024–2025 financial year, reaching $778 million. This surge is largely attributed to favourable weather conditions resulting in fewer natural disaster claims. ([abc.net.au](https://www.abc.net.au/news/2025-02-14/iag-ceo-nick-hawkins-warns-of-further-premium-increases/104931074?utm_source=openai)) - read more
Climate Change Impacting Home Insurance Costs
Climate Change Impacting Home Insurance Costs
04 Mar 2026: Paige Estritori
Insurance Australia Group (IAG) has issued a warning to Australian homeowners about the escalating impact of climate change on home insurance premiums. The insurer's recent report indicates that the increasing frequency and severity of weather events are leading to higher claims costs, which are subsequently driving up premiums. ([abc.net.au](https://www.abc.net.au/news/2025-11-04/climate-change-plays-role-in-growing-home-insurance-iag-warns/105964560?utm_source=openai)) - read more

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An agent acting on behalf of the insured (not the insurance company) who negotiates the terms and cover provided by the insurer in the insurance policy.