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.

As a small business owner, you know all too well that the fate of your business is in your own hands. But did you also know that as a company director or senior manager involved in the management of a company, you also carry specific responsibilities that have the potential to also leave you personally liable if things in your business don’t go as planned.

Running a small business means making a hundred decisions before your first coffee. So it’s no surprise that insurance usually gets left on the “I’ll deal with it later” pile… until something goes wrong.

Business insurance. It’s probably not top of mind for most busy tradies. You may be required to have certain policies to work, but beyond that, you might not think about it much.

Spring is a season for fresh starts and new beginnings. As a salon owner, you may be keen to revamp your business for the new season. Why not start with your business insurance?

Australian builders can get insurance to protect just about most parts of their business. This includes tools and materials, tool and equipment cover, contract works, and protection against worksite hazards. But there might be one part of their business that’s not yet covered—their professional services and advice.

Running a small business means juggling a million things — clients, deadlines, invoices, staff. So it’s no surprise that insurance usually gets left on the “I’ll deal with it later” pile… until something goes wrong.

Let’s face it, no matter what industry your business operates in, chances are they have an online presence. The digital marketplace offers countless opportunities to get your brand out there, making it easier than ever for potential and existing customers to reach out and connect.

Choosing the right insurance for your business isn’t always straightforward. It’s not just about the cheapest premium or what sounds good on paper. The real question is whether the policy protects your business when it matters most. The risks you face, the exclusions buried in fine print, and the cover limits can make a big difference when things go wrong.

As a business owner, you have countless responsibilities. One of the most important is ensuring the safety of your customers and the security of their property. But accidents remain an ever-present risk despite your best efforts to create a safe environment. Accidents that not only pose a threat to the safety of valued customers, but also exposes your business to potential legal and financial consequences.