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August 04, 2015
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Insurance Tips for New and Existing Business Owners

Insurance Tips for New and Existing Business Owners

Each business is unique and therefore requires customised insurance solutions. We have compiled this series of articles to help business owners understand the insurance cover options they may need to consider for their business. Running a business or starting a new business is one of the biggest and most challenging things you might ever do in your life. It can also be very rewarding as well as being the gateway to financial success for your own future and that of your family.
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What You Need to Notify Your Insurer of for Professional Indemnity Insurance Policies

What You Need to Notify Your Insurer of for Professional Indemnity Insurance Policies

It is important that you notify your insurer or adviser of anything that represents a departure from your normal form of business during the insurance period. Your insurer has assessed and accepted the risks of your insurance policy based on the information given. Therefore, alterations to your business or anything related to your business may have an impact on your insurance contract, underwriting guidelines and/or policy conditions.
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Your Duty of Disclosure to Your Insurer

Your Duty of Disclosure to Your Insurer

Before you enter into a contract of insurance, you have a duty under the Insurance Contracts Act 1984 to disclose to the insurer every matter that you know, or could reasonably be expected to know, that is relevant to the insurer’s decision on whether or not to accept the risk of the insurance. You have the same duty to disclose those matters to the insurer before you renew, extend, vary or reinstate your insurance.
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