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Contact Details
Mailing Address: PO Box 1183 Palm Beach, Queensland, Australia 4221
Office Location: 43 Larch Street Tallebudgera, Queensland, Australia 4228
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Licensing and Regulatory Information
This website is operated by Clark Family Pty Ltd (as Trustee for the Clark Family Trust), located at 43 Larch Street, Tallebudgera QLD 4228, A.C.N. 010 281 008.
Clark Family Pty Ltd is an Authorised Credit Representative of Saccasan Pty Ltd (Australian Credit Licence No. 386297) and an Authorised Representative of Unique Group Broker Services (Australian Financial Services Licence No. 509434).
For more information about licensing and regulatory matters, please visit the ASIC website.
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New South Wales’ move to shift emergency services funding away from insurance premiums has put business insurance affordability back in the spotlight. For small business owners, tradies, hospitality operators and event organisers, the change is welcome in principle: levies and taxes can add noticeably to the total cost of holding cover, especially when several policies are bundled together. - read more
Fresh commercial insurance market commentary suggests Australian businesses may be seeing more favourable conditions in some parts of the insurance market, but that does not mean liability cover has become simple, automatic or uniformly cheaper. For small business owners, tradies, contractors, venues and event organisers, the message is clear: public-facing risk still needs careful attention. - read more
Fresh industry commentary on Australia’s commercial insurance market points to an important distinction for small businesses: easing conditions in some insurance classes do not necessarily mean liability risks are becoming cheaper or simpler to manage. Long-tail casualty lines, including public liability insurance, remain exposed to legal costs, medical expense inflation, higher settlement expectations and the time it can take for claims to fully develop. - read more
Renewed attention on reforms to Australia's General Insurance Code of Practice is a useful reminder that the quality of an insurance policy is tested most clearly when a claim is made. For small businesses, sole traders, tradies and event organisers, that moment can be stressful, time-sensitive and financially significant, especially where a customer, supplier or member of the public alleges injury or property damage. - read more
Vero’s latest SME Insurance Index has put a familiar small business challenge back in focus: many Australian operators know insurance is essential, but still find it difficult to judge whether their cover matches the risks they face. For businesses with public interaction, contractors, deliveries, site visits or customer premises exposure, that uncertainty can be especially costly if a third-party injury or property damage claim arises. - read more
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
If you're a tradesperson, safeguarding your business is not just about having the right tools and skills, but also ensuring you're protected against unexpected events on site. Public Liability Insurance plays a crucial role in your safety net, providing a shield against potential financial setbacks caused by accidents and injuries. - read more
A public liability insurance certificate of currency is proof that your policy is in force at a point in time. Businesses may need one for contracts, tenders, worksites, leases, events, markets or council approvals, but it is not the same as reading the full policy. - read more
Sole traders can face public liability risks even without employees, premises or a large operation. This guide explains how public liability insurance may help protect self-employed Australians, when clients may require it, what it usually covers and what to check before choosing cover. - read more
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
Knowledgebase
Proximate Cause: The primary cause of loss in an insurance claim, which sets in motion a chain of events leading to the damage or injury.
