Insurance Guides

Volunteers are the backbone of many Australian communities, especially within churches and not-for-profit organisations. At Grace Insurance, we recognise the invaluable contributions these individuals make and the importance of safeguarding their well-being. Voluntary Workers Insurance is essential in providing protection [...]

When running a dental clinic, ensuring you have the right business insurance for dental practices is essential to protect your operations, staff, and reputation. But what insurance policies are crucial for safeguarding your practice? The answer lies in understanding the [...]

You have a unique idea and the necessary skills to bring it to life. You may even have a clever name and an eye-catching logo in mind. However, there are many more hurdles before turning on your "Open for Business" [...]

General Property Insurance is an indispensable safeguard for businesses, offering a shield against potential losses due to damage or theft of crucial items used in operations. This versatile insurance product is not just for large, high-value items but also covers [...]

Outdoor markets are enormously popular across Australia. There is no better place to explore handmade art, sample local delicacies, and enjoy a sense of community. […]

Ecommerce is an effective and efficient way to do business, especially if you are starting a new venture. It is also an excellent way to expand into larger markets and compete on a global scale. However, many business owners involved [...]

The modern business landscape has changed drastically over the past decade, becoming more complex and dynamic. One thing has stayed the same, however; companies and individuals continue to face an ever-expanding myriad of hurdles. […]

There are numerous insurance plans that operate on a claims-made principle, which implies that your insurance provider will only address claims made against you within the policy duration. This implies that the insurance coverage needs to be active when the [...]

Running a small business is not without its complexities. It often comes with liabilities affecting many aspects, including revenue and reputation. Even if you’re the most optimistic of entrepreneurs around, it makes sense to prepare for worst-case scenarios. […]

Every industry has terms that describe different parties or responsibilities, and insurance is no different. Understanding insurance terms helps you determine your responsibility for the policy, how much coverage you receive, and the role other people involved in the policy [...]

Mining is an industry with many challenges and risks, which can lead to errors of judgement. When these errors occur, a suitable mining insurance policy can protect you and your business against damages. These damages can be anything from injuries [...]

For many people who want to start their own business, handling all of the details as well as the significant decisions can feel very daunting. Aside from determining what your business will provide, one of your most important decisions as [...]

With its finalisation in March 2022, the Work Health and Safety Act 2020 has been upgraded for the first time in around 30 years. Naturally, the changes are at the heart of some confusion as businesses work to be ready [...]

If you have been running your business from home, you may feel content and comfortable in your home office environment. What may not feel comfortable is the feeling of an overcrowded workspace bordering on inefficiency and an inability to focus. [...]

You are about to set up your first business. Congratulations! You have so much to look forward to, and so much that must be done. It is easy to feel overwhelmed when you look at the extensive list of responsibilities [...]

When it comes to crime, cyber or otherwise, many people prefer to adopt the belief that only other companies face those threats. And while it is in our nature to shield ourselves, overconfidence and unawareness give criminals an advantage. [...]

You have put in the time and effort, and now your business is growing, just as you had imagined. Even though the success is wonderful, your flourishing company may be at risk of underinsurance. This is especially true if you [...]

The invasion of Ukraine by Russian forces has put most of the world’s nations on edge, fearing a host of potential impacts from rising prices to assured mutual destruction should nuclear weapons be deployed. […]

Renting heavy equipment is a widespread trend among smaller companies and those who will occasionally use a piece of equipment. There is a continuing trend towards renting large pieces of machinery instead of purchasing them or hiring an operator for [...]

Owning and operating your own business may be the culmination of years of hard work and dreams. However, your dream can turn into a nightmare if you do not carry management liability insurance that covers you, your company’s officers, managers, [...]

When you depend on your machinery, tools, and other equipment to keep your business running, you do whatever you can to protect and maintain the tools of your trade. However, do you know if you have proper insurance coverage? The [...]

During your time in business, you have likely had the pleasure of seeing your company grow. Now you have a fleet of commercial vehicles and drivers under your wing. You have a lot to be proud of and even more [...]

When you are operating a business, you know that you need to expect the unexpected. If your business depends on your trucks, do not just expect the unexpected. Prepare for it with the proper insurance coverage. Whether you run an [...]

There are always risks involved when running a business. No matter how careful you are, there's a huge chance that another party will get dissatisfied with your product or service and threaten to sue. You will surely require legal assistance [...]

Planning a trip is exciting. There are several things you need to do, including packing your stuff and picking the sights to see. But one thing that you should not forget is travel insurance. The appropriate level of insurance coverage [...]

Having the right insurance for commercial vehicles is priceless. With this insurance, you can go on driving on the road with peace of mind. Commercial vehicle insurance provides coverage that you need for sedans, trucks, vans, utes, trailers, and any [...]

Business in Australia continues to thrive, despite the many challenges over the previous years. In particular, small businesses are leading the way. By definition, a small business has fewer than 20 employees, and about 98% of Australian enterprises are considered [...]

Insurance options for builders are plentiful, but one that stands out is Design and Construction Insurance. This type of insurance provides protection for builders, particularly during times when they have projects involving design and construction. It may also cover other [...]

As you look for suitable business insurance, you can easily get lost in a sea of options available. Business insurance is already confusing on its own. But when you add the number of insurance policies you may have to look [...]

Do you run a construction or electrical engineering business? Perhaps you work in a metal fabrication firm. If so, all contracts you tender for may likely need engineering and fabrication insurance. Like other types of professional insurance, engineering and fabrication [...]

As a business owner, you have a multitude of concerns to look after every day. The insurance cover for your takeaway business should not be one of them. At Grace Insurance, we excel at providing our clients with the professional assistance [...]

Working from home, either running your own business or as a company employee, is a wish for many people. No traffic, casual attire, and flexible hours are just a few of the many reasons cited when workers explain why they [...]

Cancelling Your Insurance Policy Can Cost You More Than You Think As the financial impact of the 2020 pandemic continues to hit a vast number of Australians, individuals and businesses must make hard choices when looking for ways to maintain [...]

It is easy to take for granted that certain ideas and policies will remain the same into infinity. Unfortunately, our world consists of rapid changes and staying on top can be a challenge. Learning of changes to insurance schemes after [...]

Changes to the Requirements for Commercial & Business Use Drones The latest update from the Civil Aviation Safety Authority (CASA) applies to all businesses and employees whose job entails the use of a Remotely Piloted Aircraft (RPA) or drone. According [...]

Being a property owner with tenants is a complicated endeavour. The details you must oversee multiply when you have developed the property for commercial use. While many of the expectations you shoulder are standard for any owner of property, making [...]

When you work in the trades, you know that there are a number of hazards common to the job. Aside from physical risks and the concerns that are typical to business, as a tradie, your tools and equipment are an [...]

Running a business of any size can feel like you are going in a dozen different directions at the same time. You depend on the skills and efforts of your employees to help you maintain order, excel with customer care, [...]

If you are among the many Australian professionals who make a part of the sports world your profession, then you are likely aware you need insurance. However, do you know what types of cover are available and which are best [...]

As a business owner, you are no stranger to pressure and responsibility. As such, you value solid advice from the experts. Your choices shape your life as well as those of your employees, customers, and even your competitors. Business insurance [...]

Faith and church communities need insurance like any other operating entity in Australia. What you may not know, is what type of protection is needed, what areas and circumstances need to be insured and who can you trust to insure [...]

Tax Audit Cover is insurance that cover fees and charges for an accountant or tax agent to respond to a notice from the Australian Tax Office.  The ATO can request the business owner to pay relevant tax such as income [...]

Why use a insurance broker in Australia? Insurance brokers can be extremely valuable for your business. As a small business owner, you need to make smart choices about your insurance. Your insurance doesn't just protect the organisation you built - [...]

As a coffee shop owner, you’re busy with lots of work to juggle, employees and finance manage, stock to order, books to balance, customers to please and most importantly, food and coffee to make!  With all this work, comes a [...]

What’s the difference between an employee and a contractor? Do you need to provide workers compensation insurance for contractors? As a person who hires staff to assist in the business, it’s important you’re aware of the answer to these questions. [...]

As a real estate agent, you’re busy with lots of work to juggle, places to be, people to see and most importantly, houses to buy and sell. With all this work, comes a lot of responsibility. And with this responsibility, [...]

No matter what type of hospitality business you own, having the right business insurance for your cafe or restaurant is vital – a lack of it could mean the end of your business. No two businesses are the same, which [...]

Volunteer Workers Need Personal Accident Insurance As volunteers, insurance is probably the last thing on their minds. And let’s face it, the worker will likely have personal insurance in the unlikely event that something goes terribly wrong, right? Wrong. Well, [...]

What is Management Liability Insurance? What is Management Liability Insurance? Ever asked yourself the question? When running a business, there are so many things to consider. From where to establish your offices, which accounting systems to use, whether you can [...]

At Grace Insurance in Landsdale and Grace Insurance Joondalup, we are proud supporters of not-for-profit organisations and charities. We understand the wonderful work you do for our community and that you deserve support to keep doing it. Along with donations, [...]

What are the consequences of a non-disclosure? The rights which the insurer has, as a result of a non-disclosure of a relevant fact are set out in section 21 and section 60(b) Insurance Contracts Act. Risk of non-disclosure [...]