Risk & Protection

Public liability insurance covers your business if a third party (customer, visitor, member of the public) suffers injury or property damage as a result of your business activities.

The Privacy Act 1988 and the Australian Privacy Principles (APPs) generally apply to businesses with an annual turnover of $3 million or more.

Australian small businesses face a range of insurable risks.

Under the model Work Health and Safety (WHS) laws adopted by most Australian states and territories, every business operator is a Person Conducting a Business or Undertaking (PCBU) with a primary duty of care to ensure, so far as is reasonably practicable, the health and safety of workers and others affected by the work.