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Does Your Business Need Commercial Property Insurance?

Do you own a piece of commercial property? Maybe, you have an entire portfolio full of office blocks and commercial units? Whatever your requirements, one thing you can't afford to ignore is commercial property insurance. Buying the right insurance is essential to protect you and the business if something disastrous happens. Whether you are responsible for a large development or a single lock-up garage, you must have the right insurance. Here are three things to consider before you take out commercial property insurance.

4 Types of Insurance You Need as a Professional Photographer

Photography might seem like one of the least risky professions out there, but once you've been in the job long enough, you'll realise a lot can go wrong. While you may take extra precautions when shooting animals or weapons, sometimes disaster can strike even in a seemingly safe studio. It only takes a split second for one of your models or clients to get hurt or for expensive equipment to get damaged.

Two Scenarios in Which Having Resident Unit Manager Insurance Could Be Useful

If you are the resident unit manager of, for example, a strata property or another residential building, then you should consider getting resident unit manager insurance. Here are some examples of scenarios in which this type of insurance could be useful. You have made a mistake that has resulted in a resident's belongings being damaged As a resident unit manager, you may be expected to perform maintenance work on various parts of the building.

Small Business Insurance: Are Your Coverage Needs More Intricate than You Think?

Every financially-conscious business owner understands the need for adequate insurance. Simple mistakes and unforeseen events in the course of business can cost you thousands of dollars or even send your enterprise packing. While most entrepreneurs obtain small business insurance, not many get an adequate cover. It is easy to underestimate your insurance needs, especially if you don't understand the risks that your company is exposed to. This article will address some types of business insurance that your small business may need but which you never considered.

Compulsory Insurance All Entrepreneurs Need to Know About

In Australia, there are many types of insurance policy that business owners need to be aware of. These include policies which cover all of the usual business activities, such as public liability, theft, product liability, professional indemnities and policies designed to cover you in the event of employee fraud. In addition, there are some insurance policies which are compulsory if you belong to certain professional bodies or operate in certain areas of business.

Insurance Principles: What They Mean for Your Truck's Insurance Policy

If you own a truck that makes frequent delivery trips, it is important to cover it using an insurance policy. Technically, the term cover means that the insurance policy protects you against incurring huge losses in case the truck is damaged, stolen, or involved in an accident. When going for an insurance cover, you have the option of taking a limited cover that protects against a specified peril. On the other hand, you can also opt for a comprehensive cover that will protect you from losses resulting from many hazards.

How Is Heavy Motor Insurance Different Than Standard Commercial Insurance?

Heavy motor insurance is needed for businesses that own and operate heavy-duty vehicles, including trucks, cranes, and the like. When you shop for commercial auto insurance you may see standard commercial vehicle insurance offered, and may wonder how heavy motor insurance is different and if you need it for standard delivery trucks or trailers. Note a few of those differences here so you can ensure you choose the right type of coverage for the vehicle you operate.