When you run your own business, there is a lot to consider, like protecting your business if things go wrong. This is where business insurance comes into play and should be one of the foundations of your business’ risk management plan.

From fresh food and irresistible treats to clothing, arts, crafts, and bric-a-brac, Australia has become spoiled for choice when it comes to markets. And with the festive season fast approaching, there’s no better time to jump onboard the market stall bandwagon to bring in some extra cash.

Operating your own business often means wearing many hats and making important decisions about your business every day. From managing the books to looking after your staff and everything else in between there is a lot to think about.

Australia’s retail and hospitality businesses are set for their biggest Christmas on record, with shoppers expected to splurge nearly $64 billion over the pre-holiday period, according to a recent report.

3Elements Coffee is an Australian Veteran-owned and run coffee company that supports ex-military personnel and their families through the love of coffee. With every gram of coffee sold, a percentage goes back into veteran transitioning and training initiatives. They also support veterans’ employment by helping them establish their own coffee business, retail outlet, mobile coffee cart or by joining the 3Elements Coffee wholesale team. Additionally, their production and roasting process focuses on providing skilled employment for more than 200 people with disabilities.

Cash may be making a comeback in Australia with new proposed “mandatory cash” legislation set to come into effect in 2026. But what could these new laws mean for small businesses?

Your business is your livelihood. So it’s vital to protect your business assets and revenue against potential risks that may impact your business, such as fire, storms, theft and accidental damage.

The world of retail is fast-paced and varied, with no two days ever the same. With so much going on, it also creates a recipe of risks and opportunities for things to go wrong, something no retailer wants to have to worry about.