Insurance Guides

Sufficient time, effort, and money all go into setting up a successful business. That is why you need to protect your investment with careful planning. Disaster can strike anytime, whether it’s an accident or your own fault. You can keep your business safe against all sorts of risks with business insurance.

Grace Insurance is your source for helpful blog posts dedicated to all types of businesses looking for guidance on business insurance.

What kind of insurance do you need to protect your business? Is there insurance coverage required by law? Perhaps you want to learn more about tax audit cover or commercial property insurance.

We have also touched on topics in specific industries, such as real estatefood, and volunteer work. To make things less complicated, you can hire an insurance broker. Check back often to see our regular updates on all things related to business insurance.

2404, 2024

What is General Property Insurance & Do I Need It?

April 24th, 2024

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 [...]

1808, 2023

Excess Layer Insurance – What is It and Do You Need It?

August 18th, 2023

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. […]

2507, 2023

Run-off Insurance: Understanding How It Works

July 25th, 2023

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 [...]

2704, 2023

6 Small Business Risks Every Business Owner Needs to Know About

April 27th, 2023

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. […]

1403, 2023

What is the Difference Between Named Insured and Interested Parties?

March 14th, 2023

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 [...]

512, 2022

Types of Mining Insurance: Which Should You Get?

December 5th, 2022

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 [...]

1009, 2022

How the Changes in the Work Health and Safety Act 2020 (WA) Can Impact You

September 10th, 2022

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 [...]

2007, 2022

A Guide to Setting Up Your First Business In Australia

July 20th, 2022

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 [...]

1406, 2022

Small Businesses and Cyber Insurance: What Cover Do You Need?

June 14th, 2022

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. [...]

405, 2022

Your Growing Business: Do You Have the Right Insurance Cover?

May 4th, 2022

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 [...]

1204, 2022

War & Your Cyber Insurance: How Your Policy Can Change

April 12th, 2022

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. […]

1003, 2022

Dry Hire Equipment Guide: Find the Right Insurance

March 10th, 2022

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 [...]

1602, 2022

Management Liability Cover: Is Your Business Insured?

February 16th, 2022

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, [...]

401, 2022

Insurance for Your Plant & Equipment: Keep Your Assets Covered

January 4th, 2022

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 [...]

2112, 2021

Insuring Your Commercial Fleet: How to Best Protect Your Business

December 21st, 2021

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 [...]

2210, 2021

Why Your Business Needs Commercial Legal Expense Insurance

October 22nd, 2021

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 [...]

109, 2021

Travel Insurance Guide – How to Keep Yourself Covered While Away

September 1st, 2021

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 [...]

1408, 2021

Commercial Car and Vehicle Insurance Guide: Keep Your Cars Moving Safely

August 14th, 2021

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 [...]

1607, 2021

Insurance Guide: How to Keep Your Small Business covered

July 16th, 2021

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 [...]

1706, 2021

Design and Construction Insurance: Find the Right Cover For Your Project

June 17th, 2021

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 [...]

705, 2021

Whole Business Coverage: Does This Type of Insurance Exist?

May 7th, 2021

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 [...]

2104, 2021

Insurance Essentials for Engineering & Fabrication Businesses

April 21st, 2021

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 [...]

1003, 2021

Takeaway Insurance: What Liabilities Do You Have as a Fast Food Business?

March 10th, 2021

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 [...]

2801, 2021

Working From Home: What You Need to Know About Liability and Insurance

January 28th, 2021

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 [...]

1911, 2020

What You Need to Know about Journey Accident Cover

November 19th, 2020

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 [...]

1210, 2020

Commercial Landlord Insurance: Keeping Up to Date With Your Tenants Risks

October 12th, 2020

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 [...]

209, 2020

High-tech Security Devices to Help Tradies Protect Their Tools

September 2nd, 2020

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 [...]

1908, 2020

Employment Practices Liability Insurance – Why It’s More Important Than Ever

August 19th, 2020

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, [...]

308, 2020

Sports Underwriting and Insurance: What You Need to Know

August 3rd, 2020

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 [...]

1806, 2020

Guide: How to Find the Right Business Insurance for You

June 18th, 2020

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 [...]

1811, 2019

Use an Insurance Broker to Better Your Business Insurance

November 18th, 2019

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 - [...]

1908, 2019

Employee vs Contractor & what this means for Workers Compensation

August 19th, 2019

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. [...]

2907, 2019

Insurance for Real Estate Agents – By Grace Insurance

July 29th, 2019

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, [...]

1406, 2019

Think There Are No Risks in Your Café or Restaurant? Think Again.

June 14th, 2019

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 [...]

2205, 2019

Do You Have Volunteer Workers? Ask About Personal Accident Insurance

May 22nd, 2019

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, they may have [...]

1505, 2019

What is Management Liability Insurance?

May 15th, 2019

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 [...]

1005, 2019

Insurance to Empower Not-for-profit Organisations & Charities

May 10th, 2019

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, [...]

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