From personal trainers to fitness instructors, the health and fitness industry covers many occupations.

Sole traders are people who own and run a business as individuals. Australian sole traders enjoy many benefits that come with being self-employed, from setting their hours and rates to choosing the clients and customers they work with.

Liability can be a confusing term for small business owners. You’ve probably heard of Public Liability insurance, but what about Legal Liability?

As a small business owner, you may already hold Public Liability insurance*. But do you know exactly what your policy does and does not cover?

Public Liability and Professional Indemnity are two of the most common types of business insurance in Australia. They both cover compensation claims, but the main distinction is the types of events and risks covered.

As a small business owner, you know all too well that the fate of your business is in your own hands. But did you also know that as a company director or senior manager involved in the management of a company, you also carry specific responsibilities that have the potential to also leave you personally liable if things in your business don’t go as planned.

Just imagine: A phone call out of the blue. The caller has a voice you don’t recognise. He’s telling you he is hurt – badly – and you’re responsible. You hang up.

Do I Need Management Liability Insurance?