Sole traders are people who own and run a business as individuals. Australian sole traders enjoy many benefits that come with being self-employed, from setting their hours and rates to choosing the clients and customers they work with.

Liability can be a confusing term for small business owners. You’ve probably heard of Public Liability insurance, but what about Legal Liability?

Just imagine: A phone call out of the blue. The caller has a voice you don’t recognise. He’s telling you he is hurt – badly – and you’re responsible. You hang up.

Every business faces risks, whether you’re a tradie, café owner, or market stall operator. That’s where Public and Product Liability insurance come in. Together, they help protect your business if your work or products cause injury or property damage to someone else.

Running a small or medium-sized business in Australia comes with exciting opportunities as well as certain risks. From customers slipping on your premises to accidental errors in professional advice, unexpected events can happen at any time.

Public Liability? Tick. Professional Indemnity? Sorted. But there’s one business insurance that often flies under the radar — Statutory Liability insurance.

From personal trainers to fitness instructors, the health and fitness industry covers many occupations.

Cyber Liability insurance has been available since at least the year 2000, however many small businesses in Australia are not taking advantage of the protections a policy can provide. According to one survey, just 40% of businesses1 have any sort of cover in place.