Running a small business means juggling a million things — clients, deadlines, invoices, staff. So it’s no surprise that insurance usually gets left on the “I’ll deal with it later” pile… until something goes wrong.

Getting a quote can be done online and only takes a few minutes.

Your clients rely on your expert advice and services as a physiotherapist. You help ease their aches and pains from minor sprains to long-term rehabilitation programs. If something were to go wrong during their course of treatment, you could be faced with a costly claim that could have a career-ending impact on your reputation, a worry you could do without.

The art of juggling parenthood while running your own business is anything but an easy feat. There’s always something screaming for your attention, from managing client requests and orders, packing the kid’s lunches, managing the books, setting marketing campaigns, sending packages, oh and maybe squeezing in 5 minutes for a lunch break!

Running a business from home is common in Australia, with over 1.3 million “household” businesses recorded by the Australia Bureau of Statistics during FY25. The home office setup can give business owners flexibility and affordability, but it may also create unintended risk for your business and your personal property.

In Australia, we’re blessed by a truly vibrant food scene. Our hospitality industry has a reputation for being as diverse as it is wildly inventive. And as anyone that has worked in hospitality can tell you, every day brings something new and different that will always keep you on your toes. So as a hospitality business owner, how do you manage the challenges and risks that the industry might throw your way?

For many business owners, business insurance can be a bit of a head-scratcher. Do you need it if you work from home? What’s the difference between Workers’ Comp and Personal Accident & Illness insurance? How much cover is enough, anyway?

There’s no doubt that your business has grown and transformed since those early start-up days from when your small business dream became a reality. You’ve worked hard to make your business happen by investing time, effort and finances, so it makes sense that you would do anything to try and protect it.