Insurance

About 95 per cent of Australians are underinsured, according to a report by Lifewise, with most people citing their home or investment portfolio as their biggest asset. However, HLB Insurance Services risk adviser, Andrew Kennedy, warns that this could be a grave mistake. “Few people realise that their home or car isn’t their biggest or […]

If you own, or are planning to open, a convenience store, then you’ll be glad to know that you’re entering a thriving industry. Australia’s convenience store industry is one of the strongest in the world, with growth outpacing grocery, pharmacy, and liquor – making owning a convenience outlet a more attractive proposition than ever. But as […]

If you’re a carpenter, you probably work for yourself. If you’re like most carpenters, you do much of your work onsite for a builder. As well as this, you may do small projects for individual customers on the side. Since you work for yourself, you own and are responsible for the most important assets you […]

Even from your first day in business, you will be exposed to certain risks. From the moment you hire your first employee, have a hundred under your watch or packing up shop and exiting, insurance has to be top of mind. It is all about ensuring you and your employees are covered no matter what […]

You’ve done the hard yards washing hair, booking appointments, and sweeping floors. Now it’s finally time to work for yourself. As a hairdresser, there’s plenty of opportunity to grow your own business, from renting a chair, to opening your own salon. Just as important as growing your business however, is protecting it. In this article, […]

Mobile businesses are unique.  From taco vans to locksmiths, and dog groomers to plumbers, these businesses gain a competitive edge through their ability to operate from any location. Mobile businesses have needs that are very different from their stationary counterparts. They need different stock, different equipment, and importantly, different insurance.  In this article, we explain […]

Have you thought about what would happen if your business burned down? There will be stock and equipment to replace, repairs to be made, staff to reorganise  and perhaps even customers to refund. With all of this to do, it could take weeks or months before your business is ready to reopen its doors and continue […]

Commonly defined as enterprises employing nine or fewer people, “micro-businesses” are big players on the business stage. In 2013, they accounted for 14% of all businesses newly opened in Australia, but only 9% of businesses shutting down[1]. Any new business will face its share of growing pains. When you’re trying to grow your business without […]

Most people dread having to make a call to their health insurance provider or their car insurance agent. For small business owners, navigating the realm of business insurance can be even more daunting–but it doesn’t have to be. Armed with some basic information, you can confidently make the best insurance choices for your small business. […]

Innovation: it’s a buzzword commonly heard in the realm of business, and for good reason. Entrepreneurs are encouraged by their mentors to innovate; the word appears in slogans and taglines across the web. So just what is innovation, and why is it so critical to the success of your small business? What is innovation? Most […]

Allianz Australia took some time to speak with a couple of Aussie businesses that are ‘doing it for themselves’. The owner-operators of Naturally Gifted spoke with us about what it’s like running a micro-business. Businesses that choose to create and provide locally made or locally sold products and services continue to shape not only the […]

If you are a contractor or tradesperson, you’ll know that your insurance needs are a little different to those of standard white collar workers.