April 1, 2022
Having a hard time getting your houseboat insured? You’re not the only one. If your journey to break free from brick and mortar has been slowed down by the scarcity of — and increase in — premiums, we’re here to help. In our latest article, we explore why difficult to place risk is causing concern for insurers and share some top tips on getting the best cover for your floating home. See for yourself.
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March 16, 2022
The rate of change in the agriculture industry is unstoppable, fuelled by technological innovations while challenged by environmental uncertainty. Will the future of farming be a blend of old and new? Or will the farms of tomorrow be unrecognisable? Our latest article explores just that, by looking at 4 trends that are shaping the future of the industry. Take a look.
February 1, 2022
Preparing our homes for bushfire season is just a regular part of our yearly routine. But what about our businesses? Being prepared can improve recovery — helping you bounce back faster, while the unprepared remain closed. With that in mind, our latest article explores the factors fuelling Australia’s bushfires and how you, as a business owner, can prepare for what’s to come.
October 26, 2021
From bushfires to pandemics, emergencies and disasters can strike unpredictably, fogging our future and driving panic. We all prepare for disasters differently, but new research shows there are four types of disaster preppers – and the distinction matters. Find out which disaster preparedness type you are.
August 27, 2021
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:
August 11, 2021
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:
June 16, 2021
Whether it be sugar and starch, cotton or corn, crops are key in providing food for humans and fodder for livestock. We’ve got farmers to thank for the clothes on our back and the food on our plate. But the journey from farm to table can be a bumpy ride, which Aussie farmers know first-hand.
May 17, 2021
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.
March 31, 2021
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.
March 15, 2021
Having an insurance broker in your corner can give your business tailored insurance policies to suit your needs. With all the know-how needed to support individual clients, the value of a broker goes above and beyond that of a price comparison website.
February 13, 2021
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.
December 16, 2020
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.
November 25, 2020
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.
October 26, 2020
Given the current climate, we want to make sure you prevent a breach of your current insurance cover, whether it be domestic or commercial. The global pandemic has led to business closures and travel restrictions, which has left many building unoccupied for the foreseeable. If your current insurance policy has unoccupied or security conditions, you may be required to take weekly visits to the property, switching off gas or electricity and ensuring that your letterboxes are sealed. Many insurers are relaxing their unoccupancy clauses and policy requirements due to COVID-19, but you’ll need to double check to prevent any trouble.
September 22, 2020
Australian businesses have been urged to recognise the significant level of ransomware threat from cyber adversaries. Scamwatch has received over 3900 scam reports mentioning the coronavirus with over $3.1 million in reported losses since the outbreak of COVID-19. Ransomware acts as a method of extortion, locking a computer’s content and displaying a message requiring victims to pay a ransom in order for them to regain access. The emails delivering ransomware to Australian victims often mirror the branding of trusted and reputable corporations as part of their techniques.
June 25, 2020
Running a business can be an exciting prospect, especially if you’re providing provide useful goods and services to your community, creating employment, and serving as a podium for your personal creativity. However, it’s no secret that business can be risky. That’s why successful businesses use a diversity of business insurance covers to manage and reduce their risks.
May 11, 2020
Whether you’re a permanent houseboat resident or not, we understand the uniqueness and importance of your floating pride and joy. Our experts in houseboat insurance also know how difficult it can be to source relevant information surrounding houseboat insurance, and we’re pleased to be able to offer answers to some of your important questions.
March 18, 2020
There's a lot of news coverage, information and misinformation out there on COVID-19/Coronavirus and the effects of the global pandemic, including about insurance and risk management. We have a number of good industry resources that have put out updated, factual articles on insurance and business continuity measures that we found useful and worth sharing. So from our business to yours, please find below a summary of what we know, how we are responding as a business and an industry to the impacts of the coronavirus and also some programs available that might be beneficial.
February 4, 2020
Farms in Australia are exposed to a variety of risks and a risky climate is forecast for the future but there several solutions to protect your farm and mitigate climate change risk.
November 13, 2019
Living in Australia, we're all too familiar with the term bushfire, but working out how to protect ourselves isn't an easy task, and with climate change being such a hot topic right now, what are the risks and how can we keep ourselves, our animals, and our property safe?
October 7, 2019
Some of the scariest cyber attack headlines have been around large, well known companies, but the majority of attacks have actually been targeting small to medium size businesses.
July 18, 2019
Just ten years ago, less than one percent of small or medium sized businesses had any type of management liability insurance or directors' and officers' insurance (these are considered financial lines insurance). Now, and with more and more companies facing litigation in connection with management risks and exposures, management liability insurance is now considered a ‘must have’ for Australian businesses.
June 9, 2019
One of the most frequent types of questions we get as insurance brokers is around travel insurance. So we decided to create a checklist of the more common scenarios that clients might be wondering about - check it out!
Do you have a good understanding of travel insurance, or do you find it confusing and a bit of a hassle? We could have good news for you. There’s a relatively new option on the market, TravelCard which is a real-time travel insurance option. AND, GIA can help organise the TravelCard insurance solution for you!
May 9, 2019
As a small business owner, you know your business is you and your family's livelihood. Protecting it properly essentially helps to protect your financial future and provides you peace of mind so you can focus on growing your business. The risks you face come in a wide variety - some of which you can mitigate, while others are unpredictable and unpreventable. These events could cause damage to your ability to operate, or your property, or worse, to people. Many small businesses won't financially survive a significant event with only the resources on hand, and that’s where insurance is designed to function as your safety net.
March 21, 2019
Did you know that if you own a rental or investment property you may need a different insurance solution to your normal home and contents policies? And renters/tenants - did you know that your home and contents are not likely to be covered by your landlord's insurance solution? If the answer is no to either of these questions, read on and make sure you have a chat to your insurance broker about your situation to ensure you don't have gaps in your insurance solution.
February 12, 2019
We've all experienced some side effects of the recent heatwave across our great state - sleepless nights, occasional power outages as our power grid struggles to keep up with our air conditioners, cars, people and animals overheating and getting sunburned... but did you know grapes could get sunburned, too? With some record breaking warm weather, there are additional risks that the vines could die or grapes can shrivel prematurely (the cells inside the grape start to die, reducing the grape's capacity to hold water) or burn in the hot sun.
November 28, 2018
The SA government has introduced a retrospective stamp duty exemption for multi-peril crop insurance policies from 1 Jan 2018 (11% of the policy cost).
August 30, 2018
Attention to any of our transport and supply chain clients - changes to the Chain of Responsibility (CoR) laws are coming into effect on 1 October 2018.
July 26, 2018
Do you need an insurance broker? These days with nearly everything at our fingertips with the click of a button, is there any need for an insurance broker? Before we can answer that question, it's worth understanding what an insurance broker is, and what they do.
June 20, 2018
With South Australia's first ever driver-less bus taking to the roads, GIA Insurance Brokers thought it was timely to have a look at what these driverless vehicles might mean for insurance in the future. It's exciting technology, to be sure, and offers huge opportunities - especially if you think of our ageing population that may not have ready access to public transportation. It could also increase road safety, as the driver-less vehicles don't get tired, distracted by their phone or get behind the wheel after too many drinks.
January 30, 2018
As you might be aware, there was a recent salmonella outbreak in a South Australian bakery, which impacted over 30 people. How would your restaurant or cafe business cope with the direct and indirect costs (such as damage to your brand and reputation) of something like this? Read below for some tips on how you can prevent a salmonella outbreak from occurring, what type of risk management practices you can put in place and what kind of insurance safety nets are available.
November 23, 2017
Many businesses are not sure if they need (or perhaps just don't understand) business interruption insurance. In this post, we'll try to explain business interruption insurance, and why your business may want to consider it.
October 5, 2017
We loved reading this client compliment about our teammate Kaitlin O'Sullivan's brilliant service and work ethic!
September 14, 2017
According to the 2017 Australian seasonal bushfire outlook, parts of the country are likely to see earlier and more active incidents of bushfire than other years. This is largely due to a combination of weather conditions this past winter, resulting in vast amounts of dry vegetation. With the increased risk it's critical that you take necessary precautions in mitigating your bushfire risk and checking that you have the right insurance solution before it's too late.
June 29, 2017
There are reports that the latest global cyber attack, known as the Petya virus, is the 'scariest' and possibly costliest yet. So what can small businesses do to protect themselves from the big, bad ransomware?
June 22, 2017
It's getting cold so many of us are dreaming of heading somewhere warm over winter or taking the kids for a getaway over the school holidays.
July 26, 2016
Do you have renters insurance? Australians are notoriously underinsured and people living in rental properties are no exception. Shockingly, the Understand Insurance Home and Contents Survey revealed that more than half of renters don’t insure their contents at all and Australians in general seriously underestimate the worth of their contents when they do insure. This means that many renters find themselves in a situation where they have to wear the cost themselves if something happens to their belongings.
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