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If you're a licensed plumber working in Brisbane, whether you're a sole trader doing residential maintenance, running a team on commercial fit-outs, or specialising in gas or drainage. Insurance isn't something you want to figure out after something goes wrong. Plumbing sits in one of the higher-risk categories for tradies in Queensland. You're working with water, gas, and drainage systems in people's homes and businesses. When things go wrong, they can go wrong fast and the

If you're a licensed electrician working in Brisbane whether you're a sole trader, running a small team, or operating across Southeast Queensland. Insurance isn't just a formality. It's the difference between a bad day on the job and a business-ending one. Electrical work carries real risk. You're working in people's homes and businesses, dealing with high-voltage systems, and operating in environments where a single mistake can have serious consequences. Getting the right co

Running an excavator hire business in Queensland is a serious operation. You've got expensive machinery, contractors on site, third parties nearby, and hire agreements that can leave you exposed if something goes wrong. Getting the right insurance in place isn't just about ticking a box, it's about making sure that when something does go wrong, your business survives it. Here's a plain-language breakdown of every cover you should have in place before your next hire. Excavator

If you've ever hired an excavator or you're in the business of hiring them out, this question probably keeps you up at night. Something goes wrong on site. The machine is damaged. And suddenly everyone is pointing at everyone else. So who actually pays? The honest answer is: it depends. But understanding how liability works in plant hire arrangements can save you from a very expensive surprise. The Basic Rule: Whoever Is in Control Bears the Risk In most plant hire arrangemen

For many earthmoving and excavation businesses, hiring out machinery can create valuable additional income. However, whether machinery is supplied with or without an operator can significantly change the insurance risks involved. This is where the difference between wet hire and dry hire becomes extremely important. Many contractors incorrectly assume their existing insurance automatically covers both arrangements, only to discover coverage gaps when a claim occurs. In this g

Excavators are among the most valuable assets on many Australian construction and earthmoving sites. Unfortunately, they are also a common target for theft. From organised machinery theft through to stolen attachments and equipment taken from unsecured job sites, a single incident can result in major financial loss and project delays for excavation contractors. So, does excavator insurance cover theft? In many cases, yes but the level of protection depends on the policy wordi

Excavators are exposed to some of the toughest working conditions in the construction and earthmoving industries. From steep terrain and unstable ground through to tight access sites and operator error, rollovers remain one of the most serious risks faced by excavation contractors across Australia. A single rollover can result in tens of thousands of dollars in repair costs, project delays and lost income. So, does excavator insurance actually cover rollovers? In many cases,

Public liability insurance is a crucial safeguard for businesses and individuals in Brisbane. It protects against claims for injury or property damage caused to third parties during business operations or on private property. However, this insurance does not cover every possible risk. Knowing what public liability insurance does not cover helps you avoid unexpected costs and ensures you have the right protection in place. This article explores the key exclusions and limitatio

If you run a business in Brisbane, chances are you’ve heard of public liability insurance. But one of the biggest misconceptions is this: many business owners think they’re covered for everything. That is until a claim proves otherwise. Understanding exactly what’s included (and what’s not) can be the difference between a policy that protects your business… and one that leaves you exposed. Brisbane’s busy public spaces highlight why public liability insurance is essential for

Average Cost of Public Liability Insurance in Brisbane Public liability insurance in Brisbane can range from a few hundred dollars to several thousand dollars per year, depending on your business. As a general guide: Sole trader low-risk businesses can start from around $400 to $800 per year. Trades such as electricians or plumbers may range from $800 to $2,000 per year. Higher risk industries, such as construction, can range from $2,000 to $5,000 or more. These figures are i

Professional indemnity insurance protects professionals against claims arising from mistakes or negligence in their work. In Australia, many professionals rely on this insurance to safeguard their reputation and finances when clients allege errors or omissions. Whether you are an accountant, consultant, architect, broker, or service-based professional, the reality is simple: one mistake, one oversight, or even one misunderstood piece of advice can lead to a claim. Behind ever

If your business gives advice, provides a service or relies on professional expertise. There is a one question you should be asking. What if a Client Claims I got it wrong? No matter how long you have been in your industry, helping clients and customers. The fact remains we are human and there is always the possible for mistakes, misunderstandings or errors. If this occurs and your client suffers a financial loss as a direct result of following that advice you or your busines

When you give advice, provide a service, or rely on your expertise to earn income, there’s always a risk something could go wrong. It might be a mistake, a misunderstanding, or even a client claiming your advice caused them financial loss. That’s where Professional Indemnity Insurance comes in. In this guide, we’ll break down what it covers, who needs it, and why it’s one of the most important policies for Australian businesses. What is Professional Indemnity Insurance? Profe

Running a cafe involves juggling many responsibilities, from managing staff to ensuring customer satisfaction. One critical area that often gets overlooked is insurance. Many cafe owners make costly mistakes when it comes to protecting their business with the right insurance coverage. These errors can lead to financial strain or even closure if unexpected events occur. This post highlights common insurance mistakes cafes make and offers practical advice to avoid them, helping

Running a café comes with daily risks from customer injuries to equipment breakdowns. One of the most common questions café owners ask is: “How much does cafe insurance actually cost?” The answer? It depends. But we can give you a realistic guide based on current Australian data. Average Cost of Cafe Insurance in QLD For most cafés in QLD, insurance typically falls within these ranges: $70 – $150 per month for basic cover Around $180 per month on average for a standard café p

Running a café isn’t just about great coffee and good vibes. It’s fast-paced, hands-on, and full of moving parts which means things can go wrong when you least expect it. From Spills and broken glass to damaged coffee machines or even a storm that closes the doors for two weeks are not rare occurrences. They are everyday risks and events within the hospitality industry. That's why having the right insurance in place should not just be seen as another box to be ticked, but an

One injury. One fall. One unexpected illness. That’s all it takes to stop your income overnight. If you’re self-employed, a tradie, or running your own business, no work usually means no pay and the bills don’t stop just because you do. That’s where Personal Accident Insurance comes in. Personal Accident is an important safeguard following an Injury or Illness. What is Personal Accident Insurance? Personal Accident Insurance is designed to replace your income if you’re unable

For most tradies, your tools aren’t just equipment. They’re your income. You can't work without your tools and you can't make income without them to complete the work. Yet tool insurance is one of the most misunderstood covers, and one of the most common areas where claims get knocked back. In this guide, we break down what tool insurance actually covers, what it doesn’t, and the key mistakes that can leave tradies out of pocket when it matters most. Tools and Equipment insur

One accident involving a customer, supplier or member of the public could cost your business tens of thousands. The problem is most business owners aren’t completely sure what their public liability actually covers. That is, until something goes wrong. What does Public Liability Insurance actually cover? What This Guide Covers In this guide, we’ll explain: What public liability insurance is Who it covers (and who it doesn’t) Real Brisbane claim examples What to watch out for

One break, one theft or one mistake on the work site and suddenly your business, your tools and your income are at risk. That's where having the right insurance matters, not just having it but having the right cover in place. In the following guide, we will delve in to the three most important covers to Queensland tradies: Public Liability Tools Personal Accident & Sickness Cover Public Liability Public Liability is at the forefront of protection for you and your business. In