Are you ready for the Bushfire season?

Summer in Australia is associated with beach holidays, fun and Christmas, but it’s also the season when the risk of bushfire is greatest.

Bushfire season is fast approaching, so […]

How to Address Weaknesses in Performance Reviews

When it comes to doing performance reviews, you might at times need to address shortfalls in a worker’s performance.

Ideally this should be done in a way that is […]

What Makes a Business ‘Ethical’?

Making money and having ethics are often seen as mutually exclusive, but the good news is they needn’t be.

In fact, making your business more about people than about […]

Tips for Entrepreneurs: How Perfectionism Can Impact Productivity

Could perfectionism in your business be holding back your progress? Perfectionism is the desire to have everything exactly right before taking action, or seeing anything less than perfection as […]

Top Tips for Preventing Fraud in Your Business

The Australian Institute of Criminology describes fraud as “dishonestly obtaining a benefit, or causing a loss, by deception or other means”.

Secrecy is the key to fraud. Rather than […]

Credit Insurance Explained

Businesses that offer trade credit to their customers need to consider the risks associated with that – such as the potential for bad debts, slow payments or insolvency.

These […]

6 Risk Categories Faced by SMEs Today

In the insurance and business worlds, we often talk about risk and the importance of risk management.

But how exactly do you define risk, and what are the main […]

THE CURSE OF ERODING MARGINS….AND WHAT TO DO ABOUT IT

Margins in most industries are eroding. Some quite markedly. Fifteen years ago the retail margin on computer hardware was close to 50%, today it is less than 10%. Fifteen […]

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Reliance Partners Hosts Breakfast with Martin Grunstein

We recently had the privilege of organising a breakfast presentation by customer service ‘guru’ Martin Grunstein for our partners and their clients at the Parmelia Hotel in Perth WA.

Preventing Office Injuries Through Good Ergonomics

Developing good ergonomic design in a workplace is a sound risk-management strategy for reducing the likelihood of injuries.

On hearing the word ‘ergonomics’, many of us might think of […]

Managing the Risks in the Food and Beverage Industry

Food and Beverage is a challenging industry. Trends come and go, products fall in and out of favour and prices can fluctuate.

Things can also go wrong in production. […]

Association Liability Insurance Explained

In the same way that a business might require insurance cover for key workers against legal liability that may arise in their work activities, so too might a not-for-profit […]

Top Tips for Motivating and Inspiring Employees

Anyone who has been a boss will probably know that even strong motivation can falter over time given the right (or wrong) circumstances.

So, how do you keep your […]

What it Takes to be a Successful Entrepreneur

Virtually anyone can become an entrepreneur. Succeeding as one however is another matter entirely! Here are some of the ingredients necessary for entrepreneurial success.

Discipline

Taking care of business […]

5 Tips for Creating a Successful Online Business

An online business operates along the same principles as any other. It starts with understanding your target market, defining the solutions you can offer them, knowing your competitors, mapping […]

GIVE UP THE NEED TO BE RIGHT by Martin Grunstein

The need to be right is a basic psychological human need and it is the catalyst for destruction of relationships, both personal and business.
How innate is it? See whether […]

Do You Have Burglary Insurance for Your Business?

According to the Australian Institute of Criminology, there were 188,756 ‘unlawful entries with intent’ in 2016, making it one of the most prevalent types of property crimes in Australia.

What is Management Liability Cover and Do You Need it?

Management Liability insurance protects business owners, directors, officers and managers for claims made against them for mismanagement and allegations of wrongdoing. These may include allegations of neglect, errors, omissions, […]

How Good is Your Business Bookkeeping?

Maintaining up-to-date and accurate accounts enables you to see how well your business is performing.

A sound bookkeeping system ensures your financial transactions are put into the right categories […]

Social Engineering Scams and How to Guard Against Them

Social engineering is the art of tricking people into offering up private and sensitive information. Once scammers have personal information, they can steal identities, use passwords, and even empty […]

Attributes of Entrepreneurs Who Change the World

Some people just seem to have a knack for getting things done. Not just everyday things – but extraordinary and innovative things, such as you see with the Bill […]

5 Tips for Beating Procrastination in a Home-Based Business

Many people who work from home will be familiar with procrastination – the putting-off of something that needs doing in favour of something else, or even nothing at all!

5 Ways to Reduce Staff Turnover in Your Business

Staff turnover is costly to business. When a staff member leaves your organisation, you need to spend time and money finding a suitable replacement, negotiating a contract, and training […]

Tips for Protecting Your Business from Ransomware

Ransomware is malicious software that hijacks your system or data until you pay a ransom to online attackers to get it back.

Symantec estimates that attackers can make $5 […]

Risk Management in the Construction Industry

Construction is risky business. In 2017, the construction industry was just behind transport, postal, warehousing and agriculture, forestry and fishing for the number of workplace deaths, according to Safe […]

People and SMEs – An Overview of HR Requirements

If you employ people in your business, you need to be aware of your legal obligations and requirements around human resource (HR) management.

Here are some of the things […]

Are You Ever Too Young or Too Old to be an Entrepreneur?

What do you think of when you hear the word ‘entrepreneur’? A geeky kid developing software from their parents’ garage? Or do you think of an older person with […]

What is Audit and Investigation Insurance?

Compliance is a crucial issue for all businesses. Examples include GST, BAS, PAYG, superannuation, workers compensation, fringe benefits tax, income tax, and keeping proper records.

Any business may become […]

  • Game Plan

Building a Robust Game Plan for Your Small Business

All small businesses carry risks that can be financially crippling. Creating a sound risk management program helps make your small business more resistant to risk, harm and loss.

Here’s […]

  • Trades insurance

Trades Insurance: Why You Need Cover to Match Your Business

The very physical nature of the work and the chances of things going wrong along the way make the case for trades insurance.

Examples of trades cover include liability, tools […]

  • Professional Services

What Insurance Do Professional Service Businesses Need?

Professionals such as accountants, doctors, consultants, financial advisers, brokers and IT developers need many of the same types of insurance policies as other businesses.

This includes cover for property, public […]

  • Tips for Preventing Slips, Trips and Falls at Work

Tips for Preventing Slips, Trips and Falls at Work

Every year, slips trips and falls lead to thousands of workplace injuries, such as fractures, bruises, sprains, strains, and dislocations.

Slips happen when a person loses traction between their foot […]

  • Cyber Security

Business Fleeced $76,000 in Cyber Crime Hack

Have you thought about what could happen if someone was able to change the banking details of suppliers on your accounting system?

This is exactly what happened in a Queensland […]

  • Workers Compensation

Importance of Workers Compensation Insurance in Your Business

Once you start employing people in your business, you are obligated to take out workers compensation insurance to cover potential work-related injuries or accidents.

It’s worthwhile for both employers and […]

Why Every Business Needs to Practice Fraud Prevention

All businesses are vulnerable to fraud. Deceptive actions do not have to be big or newsworthy to be considered ‘fraud’ – it could be as simple as a staff member […]

Weather Insurance for Australian Farmers

Australia is well known for its harsh climate conditions, and the weather can certainly be unpredictable. When it comes to the impact of variable weather, farms tend to be […]

Keeping Your Belongings Safe: 7 Tips for Daring Travellers

If you’re an adventurous traveller, it’s important to take steps to manage your risks while travelling. Here are some tips for keeping your belongings safe.

Keep the valuables to […]

What’s the Catch with Insurance for Tradies?

Businesses come in all shapes and sizes, and this means they don’t all face the same types or levels of risk. Trades businesses for instance carry specific risks that […]

Insurer Pays $164k for Poor Sales Practices

Youi Insurance has landed itself in hot water by putting sales figures ahead of customer interests.

According to ASIC, this occurred because the insurance company was offering incentives and […]

Why You Need to be Asbestos Aware Before Picking Up Tools?

Being a hardy, lightweight and relatively inexpensive material, asbestos was widely used in construction projects in Australia between the 1930s and the late 1980s. Asbestos can be found in […]

  • Cyber crime insurance

Why Independent Businesses are not Immune to Cyber Crime?

Cyber crime costs the Australian economy $1 billion annually, and it’s not just big organisations that are affected. Statistics indicate that independent businesses are the target of 43% of […]

  • Cyber Security Business, Technology,firewallantivirus Alert Prot

7 Tips for Improving Cyber Security

According to the Insurance Council of Australia (ICA) cybercrime is on the rise and is costing an estimated $1 billion each year. Reports by Symantec also state that Australians tend […]

  • Cctv Or Surveillance Operating In Office Building

Crime-Proofing Your Business Premises

The more layers of security you have around your premises, the less likely it is that burglars are going to target it. This is because burglars tend to look for […]

  • Concluding contract

Why Choose a Broker Over a General Insurer?

When you’re running a business, you want to ensure all assets are protected regardless of future circumstances. It goes without saying, one of the most important things to get right […]

  • Common mistakes concept on lined paper

6 of the Most Common Mistakes to Avoid When Buying Insurance

Insurance is regarded by many business owners as somewhat of a ‘grudge’ purchase – a cost that most find necessary but ultimately irritating and expensive. Often the most common misconceptions […]

  • Robbery insurance. Housing expenses. Mortgage subsidy. Rent payments.

How Insurance Fraud Affects All of Us

It might be thought of as a “victimless crime” where the only loser is a huge company, but insurance fraud has negative implications not just for those directly involved, but […]