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What is proportionate liability? Proportionate liability refers to the concept that liability for a plaintiff’s loss should be apportioned to the defendants in accordance with the extent of their responsibility for that loss. Why was the proportionate liability scheme introduced? The Ipp report … [Read more...] about Proportionate liability in Queensland – Implications for Insurance

There are countless circumstances that may have a negative effect on your business, many of which are impossible to predict. The good news is that it is possible to prepare for any eventuality, thereby safeguarding your business from potential financial ruin. The best way to do this is with the … [Read more...] about What am I responsible for as a business owner?

Given the steep rise in employee fraud and embezzlement, the importance of Internal Business Auditing has never been more vital. Whilst there are insurance policies, such as Management Liability & Crime, that provide Indemnity for some of the exposures; the reputational damage, together with the … [Read more...] about The importance of Internal Auditing

Scams aimed at manipulating individuals for fraudulent purposes have been occurring for centuries, but this deception has now well and truly moved into the digital world. Social engineering, in the context of information security, refers to psychological manipulation of people into performing … [Read more...] about A Centuries Old Crime, Digitally Enhanced

Australians are increasingly working from home, with the most recent data from the Australian Bureau of Statistics indicating at least a third of us choose to work from home at least part of the time.A study by future trends research house McCrindle shows there are lots of different reasons why … [Read more...] about The insurance implications of working from home

We’ve all heard of the $7.8M underpayment scandal which recently engulfed celebrity chef George Colombaris, but is this just a symptom of the sheer complexity of workplace laws in Australia? After all, big organisations with dedicated HR departments are getting it wrong, so what chance does SMEs … [Read more...] about Underpaying employees… what’s going wrong?

Telematics technology has proven benefits when it comes to encouraging more responsible driving, with research indicating better driver behaviour is one of the main advantages in using this innovation.Black box or telematics technology is a way for businesses to collect data on how their … [Read more...] about Telematics continues to evolve in insurance

Whether you run a charity, a not-for-profit, or regular live events, volunteer insurance exists to protect both you and the volunteers that work for you. From music festival ticket collectors to ongoing charity work, volunteers are often the most important part of your organisation, and they need to … [Read more...] about What is Volunteer Insurance?