What to know about D&O: Directors Liability Insurance

directors liability insurance

Now, more than ever, business leaders can be held responsible for a wide range of corporate issues. In an increasingly litigious world, your company’s officers and board of directors are personally at risk to incur financially crippling lawsuits. Even in a company with limited liability status, personal liability is unlimited.

With directors and officers (D&O) liability insurance, you can turn your attention to acquiring the best talent and running your company, instead of worrying over protracted litigation. Find out more:

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How to sidestep the unnecessary trouble of being underinsured

Underinsurance

Underinsurance can mean that a bad situation quickly spirals into a disaster. Whether it's home, business, vehicle or otherwise, your current policies may be inadequate for your needs.
So, if you’re taking a risk by leaving yourself underinsured just to save a few pennies, you might want to consider how you’d fork out the added costs should you need to make a claim.

Luckily, knowing how underinsurance occurs, the risks involved and how to reduce them can help you get adequate cover in place to protect your pocket. Take a look at our latest advice to sidestep the unnecessary trouble of underinsurance:

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Tradies: Safety suggestions to keep your tools on your side

Tradies and his tools

From hand tools to power tools, machinery and beyond, tradespeople know the drill when it comes to the importance of their equipment. Whether you’re a plumber with a belt carrying spanners and screws, or a brickie with a cement mixer and trowel, your tools are your mighty asset. But, with great power comes great responsibility - and working with a range of tools can increase your safety risks as a tradie.

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Bounce back into action faster with business interruption insurance

Business interruption

If you’re a business owner, then you’re probably tuned in with the fact that contents insurance for burglary, extreme weather events and accidental damage is a necessity for protecting your company’s assets from the unexpected. But, if a flood struck your premises, not only would it damage your contents, but it could also cease operations from your workplace. You’re likely to get help paying for damages through your content’s insurance, but what about the loss of earnings incurred? That’s where business interruption insurance comes in handy.

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Searching for a new vehicle? Take the high road and switch to an electric vehicle

Electric vehicle

The Australian car market has been fluctuating since the start of the pandemic, with new car sales recovering in recent months. Following a pretty miserable year in 2020 for the Aussie new car market, 2021 has kicked off with a positive. An 11.1 per cent positive, to be exact, compared to this time last year. Aussies nationwide are upgrading their ride, choosing out with the old and in with the new as electric vehicles (EV) and SUVs grow in popularity.

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Boat owners: Check out our safety tips so you don’t anchor any additional costs

Children in life jackets on back of boat

Boat life gives owners a unique sense of freedom, relaxation and bliss. Being at one with nature presents calming characteristics, but as Australians we know that Mother Nature isn’t always in high spirits. There are various hazards that, if you don’t take steps to avoid, you can find yourself in some real sticky (and wet) situations. Maintaining boat safety while onboard your vessel is a top priority, whether the water is your weekend getaway spot or your forever home, it’s a-boat time you familiarised yourself with some important safety tips.

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Farmers: You might need more than a scarecrow to protect your farm this harvest

Scarecrow on farm

If one thing’s for sure, the Australian agriculture industry is one tough cookie, having developed great resilience from the extended drought, devastating bushfires and the current COVID-19 global pandemic. Being a farmer is unpredictable at the best of times and being an Aussie farmer can be even more complicated. In the immortal words of Forest Gump - “(Farmer) life is like a box of chocolates. You never know what you’re gonna get” - or something along those lines. We take a look at the current situation for farmers, the impacts of the pandemic, the sources of help available to farmers and how you can manage your risk to protect your farm.

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