News

When you’re ready to push your home business from the nest and into a shopfront, it’s an exciting time. It can also expose you to a whole new world of risk that could cripple your fledgling business before it can soar.

Running a business from home is one thing, but taking the leap to a shopfront is altogether another. Fortunately, as millions before you have proven, it can be done.

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So you’ve got that burning desire to start your own business. You’ve honed your particular product or service down to a sure fire proposition, you’ve researched the market, identified the demand you’ll meet and it’s all systems go.

It’s an exciting time, but it’s also a time when you need to make decisions that could prove vitally important down the track: under what structure to run your business, and how you will pay yourself – whether you take a salary, drawings from income, or loans from the company.

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Few things are more devastating in business than thinking you’re covered for a loss only to find out your insurer has rejected your claim. Here’s how to appeal that decision.

Just because you’ve received bad news, doesn’t mean you should give up.

There are a number of avenues for appealing such a decision, and a good broker can be your best ally.

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Messaging has become the preferred way for people to connect with businesses and get things done.

We are messaging more than ever. In fact, over seven billion conversations took place every day on Messenger in 2017. That was twice as many as the year before.

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If you’re in the retail or hospitality game, it’s never too early to get your business ready for the festive frenzy.

For many retail and hospitality businesses the festive season is by far the busiest time of the year. Nonetheless, many shops, restaurants, hotels and travel agents make less than they otherwise might due to insufficient planning, poor risk management or failing to convert first-time buyers into long-term customers.   

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Is your small business at risk of cyber attacks?

We investigate what multi-vector cyberattacks are and why they are particularly relevant to small businesses.

It’s no secret that cyberattacks continue to pose a big threat for small businesses. While awareness of cyber threats is at an all-time high, attacks remain both prevalent and successful. In fact, the Australian Cyber Security Centre’s recently released 2017 Threat Report revealed that 47,000 cyber security incidents were recorded in 2016-17 alone. In today’s world of increasingly sophisticated cybercrime, one of the most dangerous advances has been the multi-vector attack.

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Knowing your figures and keeping a lid on costs can help your small business survive challenging times.

In March 2017, Australia took the record for the longest period of uninterrupted economic growth in the developed world. But while business owners have enjoyed 26 years of good times, an Australian property market crash or international political instability could see consumers slamming shut their wallets and purses.

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What is Cyber Protection Insurance?

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NEARLY nine out of 10 “hacker insurance” policies in the world are taken out in the United States, but demand around the world is about to spike.

MANY companies outside the United States including Australia may not have cover for a recent computer-system attack, leaving them potentially with millions of dollars of losses because there has been relatively little take-up of cyber insurance, experts say.

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A few days after a high-level security dialogue between China and Australia in Sydney, the two countries have agreed to enhanced cyber security cooperation.

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