Professional Indemnity Insurance: What it Costs and Why You Need it as a Sole Trader

When running your business as a sole trader, it is important to insure yourself against anything that could bring financial harm to you and your business. Because you are legally the same entity, any business liability is your liability.

For most sole traders who provide services for clients, you could find yourself in the tough spot of having a client sue you for your service not delivering in the way they expected it to. This is where professional indemnity insurance would cover you.

Do I Need Professional Indemnity Insurance?

The chances are high that if you don’t think you need professional indemnity insurance, you most probably do. Don’t just think of how someone could make a claim against your business; think about the time, effort, and resources that drain your business when battling a claim like this. The loss that comes from having to pay the legal fees for the claim and the loss of business are enough to not just damage your business finances but your personal funds as well.

The professions that have a legal requirement in Australia for adequate professional indemnity insurance are:

• Accountants
• Architects and draftsmen
• Bookkeepers, BAS, and tax agents
• Electricians
• Financial Planners and mortgage brokers
• Plumbers
• Registered migration agents
• Real estate agents

While not a legal requirement for some, it is still an important insurance policy to consider for almost every business that provides advisement or services, including but definitely not limited to:

• Tradesmen (plumbers, electricians, builders, etc.)
• Personal trainers
• Massage therapists
• Tutors
• IT professionals
• Engineers

All of these sole traderships can benefit from having an indemnity insurance policy, especially if a client insists on lodging claims of negligence or malpractice. Insuring yourself with this policy means you are protecting you and your business from financial risks by covering costs for legal fees; it also covers any compensation paid to the client if a claim is successful.

How Much Does Professional Indemnity Insurance Cost for Sole Traders?

Just like a sole trader's business, no two insurance policies are the same. The cost of your policy can be influenced by a range of factors:

• Number of staff: If you are operating a sole tradership with employees, the number of people you employ can mean higher premiums.
• Staff turnover: Sole traders with a lower annual turnover means there is less risk for your business, meaning lower premiums. High turnovers mean more risk of claims made against you, so insurers charge higher premiums.
• Client type: The type of clients you deal with can also have an impact on your insurance premiums. The larger-scale the client, the higher the premiums compared to lower-end clientele.
• Industry: Some industries may have higher premiums than others because they carry a higher risk profile. For instance, an accountant would face much higher premiums than an artist.
• Additional benefits: As mentioned above, no two policies are the same. If you choose to include additional protections into your policy this will cost you more.
• Excess: An excess is what you pay if you ever have to lodge a claim. The higher your excess is, the lower your premiums will be.
• Previous claims: It is also a legal obligation in Australia to inform future insurers about past claims you may have made against any insurance policies.

Depending on all of the factors above, a thorough business evaluation is also done to evaluate any further risk factors relevant to the insurer. As a benchmark, professional indemnity insurance can range anywhere from $50 to over $200 AUD per month.

Why Choose Morgan Insurance Brokers?

When you choose to insure yourself with Morgan Insurance Brokers, you can rest assured knowing our specialist brokers compare policies from over 100 insurers, tailor making a comprehensive insurance plan specifically for your business.

Don’t wait until it’s too late, contact us today for a free quote and protect your business.

by jasper

Protect Your Online Business with Cyber Liability Insurance

In the digital age, protecting yours and your customers' data is of the utmost importance, especially if you deal with personal data like home addresses and contact numbers. Data breaches are on the rise in Australia, with thousands of breaches reported each year, meaning your business is at risk of having a cybersecurity incident.

The most notable data breach from the past few years was the Medibank breach that saw 9.7 million people’s personal details leaked to a well known ransomware group, highlighting the importance of cyber liability insurance. It is crucial for sole traders and small businesses to protect themselves and their business against unexpected financial risks surrounding cyberattacks.

What is Cyber Liability Insurance and What Does it Cover?

Cyber liability insurance offers a level of financial protection in the case of a cyber security breach. For instance, if a data leak does happen then the business will be liable for incident response, remediation, brand damage, litigation, compliance fines, and any customer damages.

Alternatively if ransomware or hackers wipe any data or lock you out of your system, cyber liability insurance could help reimburse you for any costs associated with the potential damage to your computer system or loss in business. Cyber insurance policies help reduce the costs of the fallout.

There are a handful of ways businesses get hacked:

• Viruses: These are a type of malicious code or programme written into how a computer operates, intended to spread from computer to computer and give hackers the ability to destroy computer systems.
• UI redress attacks: Known also as clickjacking, is when a hacker tricks a user into clicking a button they didn’t intend to so they download malware, viruses, transfer money, or purchase false products online.
• Cookie theft: This is when hackers get access to cookie data and can get information like addresses, phone numbers, and other sensitive information.
• Distributed denial-of-service (DDoS) attacks: These kinds of attacks are done by flooding an online server with internet traffic to try and stop users from accessing the services and sites.
• Domain name system (DNS) spoofing: Hackers do this by changing the domain name of a website so that any users are redirected to a fraudulent website that could steal the users information.
• Social engineering: Social engineering is the use of deception to try and manipulate someone into disclosing confidential or personal information for fraud. The most common type of social engineering is phishing, where an email has a link that downloads harmful software or redirects to a malicious website when clicked.
• Missing security patches: Security patches are updates your computer needs to install so your computer is safe and protected from hackers. When a security patch is missing, leaving your computer open to cyberattacks.
• Malware injections: Malware is an umbrella term for different programmes installed on computers and mobile devices with the intention of causing harm and finding data for financial gain. The most common type of malware injection is an SQL infection, where a hacker uses malicious code to manipulate a database into revealing information.
• Password cracking: This one is simple, with a simple solution. Also known as password hacking, it is the process of using a programme to guess a password that is protecting a system.

Why do Sole Traders Need Cyber Liability Insurance?

Cyberattacks could happen to anyone, which is why it is best to be prepared for the fallout of a potential data breach. In 2024, business-targeted cybercrimes have been witnessed every 7 minutes in Australia. The ACSC itself has 77,600 reported cases of cybercrime, that’s a 15% increase on previous year. Cyberattacks cost Australian businesses a total of $33 billion annually.

All of these reasons and more are why sole traders need a cyber liability insurance policy. When it comes to cyber security, there is no such thing as IF, but WHEN.

What Can Cyber Liability Insurance Cover?

This largely depends on the insurance company. Not all companies are the same, which is why it helps to talk to an insurance broker for your insurance needs. A cyber liability insurance policy can cover:

• Cyber extortion
• Cyber espionage
• Denial of service
• Card skimming
• Crimeware
• Hacking

Why use Morgan Insurance Brokers?

When it comes to protecting your customers data and information, it is crucial to get cyber liability insurance so you are covered for any unexpected attacks. As with many things, insurance is there to help, but Morgan Insurance Brokers are there to help you. We are dedicated to getting you the best insurance protection possible for you to run your business stress-free.

Don’t let a cyberattack crash your business, contact us today as your next cyber liability insurance broker and get one step closer to safeguarding your future.

by jasper

How does Fleet Insurance works?

As a specialist in fleet insurance, we know how risky owning a fleet of vehicles can be. You never know what might happen when you’re out on the road all day every day, the cost of repairs for vehicles aren’t cheap these days either. Multiply that potential cost by how much fleet you own for your business, and that is a potential financial landmine.

Having fleet insurance gives you that little bit of extra security in knowing you cover your vehicles in case of damages in accidents both on and off the road. Depending on your policy, insurance coverage can extend to third party damage and theft as well. At Morgan Insurance Brokers, we guarantee getting you the best fleet insurance coverage for your business.

Understanding Fleet Insurance and Why you Need It

Put simply, fleet insurance is a type of insurance policy that covers all vehicles. This could be anything from basic car sedans or hatchbacks, to vans, to utes, and even to trucks. By insuring your entire fleet with a tailor-made fleet insurance policy instead of individually insuring each vehicle separately, you could save yourself thousands of dollars in premiums.

One thing to note is that compulsory third-party (CTP) insurance (or Green Slip in NSW) is a legal requirement in Australia. Some states include this insurance as part of your vehicle registration, but other states like New South Wales and Queensland require you to have insured your vehicle with a pre-approved list of CTP insurers before registering your vehicle. CTP insurance is separate from fleet insurance and is usually not included in fleet insurance policies.

What Does Fleet Insurance Include?

Depending on which insurance policy you sign with, these are some of the standard coverages that come included:

• Damage to own property: A comprehensive fleet policy will always cover any damage to the vehicle itself, whether that be your own fault or someone else’s fault.
• Damage to property: If there is damage to any property caused by a vehicle in your fleet, the fleet policy will cover any damage costs regardless if there is damage to the vehicle or not.
• Damage to other vehicles: Also known as third-party insurance, if you or another vehicle in your fleet has been in an accident involving another person, the costs can be covered by the fleet policy.
• Theft: On average, a car is stolen every 11 minutes in Australia. When you have comprehensive fleet insurance coverage, you would be able to replace any stolen or broken-into vehicles.
• Storm, hail, flood, and fire: With how common storms, flooding, and bush fires are in Australia, when you get fleet insurance you can rest assured knowing your car is insured for any natural disasters.

Though whether or not these policies are included in every insurance policy varies between insurers and can vary depending on your businesses needs. At Morgan Insurance Brokers, we insure for all of the above and make sure your assets are properly protected.

Why should I Insure my Fleet with Morgan Insurance Brokers?

When you get fleet insurance with us, we manage all your claims. From the time you lodge the claim and all the way through to the repairs, we fast-track your claims to get your vehicles on the road sooner because we know that every minute your vehicle is not on the road impacts your business.

We know getting your vehicle back on the road is important, so we make sure we prioritise same-day responses to all our fleet clients for speedy resolutions and to minimise business delays and disruptions.

Comprehensive insurance coverage, excess free windscreen claims, and automatic additions (automatic purchasing of new fleet) are some of the key benefits of insuring with us. We know the administration and paper work that goes into small business insurance claims over damaged vehicles or property, so we handle all of this for you.

Depending on the size of your fleet and the Insurer you choose, there is potential for Insurers to include risk management review in your policy. This would mean Insurers have strategies they can implement to make sure your vehicles stay on the road, minimising the regularity and severity of claims. This means less money spent in the long run and reduces your premiums.

Through insuring your fleet with Morgan Insurance, our specialised fleet insurance brokers go above and beyond for our clients to make sure they get the best insurance possible, but they also get the best service in case of claim lodgements.

Morgan Insurance Brokers work to find the best insurance policies for your business, maximising the protection of your assets. Contact us today and we can discuss your insurance needs with a free and easy consultation.

by Mojo Dojo

How Much Public Liability Insurance Do I Need?

"How Much Public Liability Insurance Do I Need?" is a critical question for any business owner to consider, ensuring they are adequately protected against potential liabilities. When deciding on the necessary amount of public liability insurance for your enterprise, several aspects need to be taken into account.

Understanding Public Liability Insurance

To start with, what is public liability insurance? In simple terms, it protects your business by covering the expenses of legal proceedings and compensation claims filed by clients or the general public. This includes incidents on your property, harm caused by your business operations, or injuries to individuals who are not your employees.

Why It Matters

Imagine yourself as the owner of a bustling café, teeming with customers and buzzing with energy. Now, picture a scenario where a customer slips on a wet floor and suffers an injury. Or consider the possibility of a defective appliance causing significant damage to your property. Without public liability insurance, the financial repercussions of claims arising from such incidents could be devastating. This essential coverage protects your business from the potentially crippling costs associated with accidents and damages, ensuring that you can continue to operate smoothly and focus on what you do best—serving your customers and growing your café.

Determining the Right Coverage Amount

Deciding on the right amount of coverage for your business can often feel overwhelming. However, understanding the key factors that influence your insurance needs can help you make an informed decision. Here are some important considerations to guide you:

1. Assess Your Business Risk

• Type of Business: A construction company faces more risks than a consultancy firm. Similarly, a café like Wren & Wolf, with its high customer interaction, has different risks compared to a retail store.
• Business Size and Location: The size and location of a business can impact its risk level. Higher foot traffic usually means higher risk, and businesses in urban areas may face more risk due to the large population.

2. Consider Legal Requirements

• When business owners ask themselves, "How Much Public Liability Insurance Do I Need?", it's essential to consider not just the direct risks associated with their business operations but also broader legal and contractual responsibilities. Different sectors and activities are often governed by specific regulations that prescribe minimum levels of public liability insurance. This legal requirement ensures that a business can cover the costs associated with claims of property damage or personal injury caused to third parties.Contractual agreements with clients, suppliers, or partners frequently stipulate required coverage levels to protect all involved parties from potential liabilities. Such contracts might specify higher limits than standard policies, depending on the nature of the work and the associated risks. It’s therefore crucial for business owners to thoroughly understand these agreements and adjust their insurance coverage accordingly.

3. Look at Past Claims

• If your industry is prone to frequent claims, opting for higher coverage is a prudent decision to safeguard against future risks. Industries such as construction, healthcare, and manufacturing, where the operations inherently carry higher risks of accidents or damages, typically experience a greater frequency of claims. In these sectors, even minor incidents can escalate into costly legal disputes, making substantial insurance coverage a critical buffer.In industries with high liability exposure, the financial ramifications of claims can be significant, potentially involving large settlements or hefty legal fees. This is why businesses in these areas benefit from evaluating their coverage limits regularly and considering policies that offer more extensive protection than what might initially seem necessary.

A Practical Example: Café Scenario

If you own a cafe with a high level of daily activity and involvement from many people, I suggest obtaining insurance coverage of at least $20 million. This amount is not randomly chosen, but is determined by industry norms, contractual requirements such as leases, and the average expenses associated with potential claims in similar settings.

Final Thoughts

There isn’t a one-size-fits-all answer when it comes to public liability insurance. Each business is unique, and therefore, requires a tailored approach to determine the appropriate level of coverage. As an insurance broker, I advise you to review your coverage regularly as your business evolves and exposure changes.

Public liability insurance isn’t just a requirement—it’s a critical component of your business’s risk management strategy

by lauren

How To Reduce Business Insurance Costs

The insurance market cycles between hard and soft phases, each presenting unique challenges and opportunities for cost savings. In a soft market, premiums are generally lower, and coverage options are broader. Conversely, a hard market features higher premiums, stricter underwriting, and reduced coverage options. Let’s explore strategies for saving on your insurance costs in both hard and soft markets.

Understanding Hard and Soft Markets

Understanding market cycles, particularly the distinction between soft and hard markets, can empower you as a business owner. A soft market occurs when there’s an abundance of insurance capital, leading to increased competition among insurers. This competition results in lower premiums, broader coverage, and more favourable terms for policyholders. On the other hand, a hard market is characterised by a scarcity of insurance capital, leading to higher premiums, stricter underwriting standards, and limited coverage options.

Saving on Insurance Costs in a Soft Market

During a soft market, insurers are more willing to compete for business, presenting a golden opportunity to optimise your insurance costs. This means reviewing your current insurance policies to ensure you have the right coverage and checking for overlapping coverages and unnecessary endorsements that can be adjusted or removed. Here are a few strategies to lower your costs in a soft market.

Increase Your Deductibles

Increasing your deductibles can significantly lower your premiums. Since insurers take on less risk with higher deductibles, they offer lower premiums in return. However, you need to have enough funds to cover the higher out-of-pocket costs in case of a claim.

Secure Higher Policy Limits or Broader Coverage

Take advantage of the favourable conditions in a soft market to secure higher policy limits or broader coverage that you might need in the future. This can be more cost-effective than waiting for a hard market.

Work with an Experienced Insurance Broker

An experienced insurance broker can help you navigate the soft market and find the best deals. Brokers can access a wide range of insurers and negotiate on your behalf to secure lower premiums and better coverage.

Lock in Savings on Premiums and Excesses

Insurers are more willing to negotiate and offer competitive rates during a soft market. Take advantage of this by locking in savings on premiums and excesses. Your insurance broker can help secure future renewals on favourable terms.

Leverage Technology

Utilise technology to enhance your risk management efforts. Tools such as security systems, monitoring devices, and data analytics can help identify and mitigate potential risks, leading to lower insurance premiums.

Saving on Insurance Costs in a Hard Market

Saving on insurance costs becomes more challenging but not impossible in a hard market. Here are a few strategies that can help lower your expenses.

Implement Robust Risk Management Practices

Implementing strong risk management practices can help reduce your premiums. Insurers offer discounts to businesses that demonstrate effective risk management.

Maintain a Good Claims History

A good claims history can positively impact your insurance costs. Insurers often offer better rates to businesses with fewer claims, so implementing effective loss prevention measures can help maintain a clean claims history.

Shop Around for the Best Rates

During a hard market, it’s essential to shop around and compare quotes from multiple insurers. Even in a tough market, insurers may offer varying rates and coverage options.

Review and Update Your Coverage Regularly

Regularly reviewing and updating your coverage ensures that your insurance policies align with your business needs. Certain coverages may no longer be necessary as your business evolves, or new risks might emerge that require additional protection.

Establish Long-Term Relationships with Insurance Brokers

Building long-term relationships with insurance brokers can greatly benefit your business. At Morgan Insurance Brokers, we understand your unique needs and can negotiate better terms and coverage on your behalf. Our industry expertise and connections allow us to find the most cost-effective policies for your business, regardless of the market.

Plan Ahead and Save

When you anticipate changes and take action, you can secure the best coverage and rates for your business. This approach protects your business from future fluctuations, saves you money, and gives you peace of mind knowing you’re prepared for any market conditions.

Take Action Today

Don't wait for market conditions to change. Contact Morgan Insurance Brokers today to start planning and saving on your business insurance costs. Let our experienced team help you navigate the complexities of the insurance market and secure the best coverage for your needs. Get in touch now and ensure your business is financially resilient for the future.

by Mojo Dojo

Business Insurance: Choosing Between Higher Excess and Higher Premium

What's Best for Your Business?

When choosing an insurance policy, one of the most critical decisions is whether to have a higher excess or a higher premium. Both can significantly impact your financial situation in the event of a claim but in entirely different ways. Understanding the nuances of both options is essential for making an informed choice that aligns with your needs and circumstances.

Understanding Excess and Premium Payments

Before diving into the specifics of choosing between a higher excess or a higher premium, it’s crucial to understand what these terms mean. The excess, also known as a deductible, is the amount you agree to pay out-of-pocket when you make a claim before your insurance coverage kicks in. On the other hand, the premium is the amount you pay regularly (monthly, quarterly, or annually) to keep your insurance policy active.

The Case for a Higher Excess

Opting for a higher excess typically results in a lower premium. This means you'll pay less to maintain your insurance coverage. This can be an attractive option for many people, especially if they have a good track record of few or no claims.

Scenario: Jane's Choice for a Higher Excess

Jane, a small business owner, decides to increase the excess on her business insurance policy. Her logic is straightforward: she maintains her property well and has rarely had to make insurance claims in the past. When choosing a higher excess, Jane significantly reduces her annual premium, freeing up cash flow, which can be reinvested into her business.

However, in the event of a claim, she will need to pay more out-of-pocket claims. She has an emergency fund to cover this potential cost, so this approach works well due to her disciplined savings strategy and confidence in maintaining a low-risk environment.

The Case for a Higher Premium

On the flip side, opting for a higher premium means your regular payments will be higher, but your excess will be lower. This can be beneficial if you anticipate making claims more frequently or prefer the peace of mind knowing you won't have large out-of-pocket costs when making a claim.

Scenario: Mark's Preference for a Higher Premium

Mark, a small business owner, pays a higher premium on his business insurance. He prefers this option because it ensures his out-of-pocket expenses will be minimal if something unexpected happens, such as property damage, theft, or a liability claim. With tight cash flow and a budget that doesn’t allow for large, unexpected expenses, Mark finds comfort in knowing he won’t need to scramble for a large excess payment during an already stressful situation.

Mark’s strategy is particularly advantageous for businesses that may not have a substantial emergency fund or prefer predictable monthly expenses over potentially large, unexpected costs.

Factors to Consider

When deciding between a higher excess and a higher premium, several factors should influence your decision.

• Financial Stability: Consider your current financial situation. Do you have enough savings to cover a high excess if you need to make a claim?
• Risk Profile: Evaluate the likelihood of making a claim. A lower excess might be more suitable if you live in an area prone to natural disasters or have a higher risk of incidents.
• Policy Details: Review the terms and conditions of your policy. Some policies might offer additional benefits or services that could influence your decision.
• Budget Preferences: Determine whether you prefer lower monthly payments with the potential for higher out-of-pocket costs or higher monthly payments with lower excess.

Making an Informed Decision

Choosing between a higher excess and a higher premium is a personal decision that should align with your financial goals, risk tolerance, and lifestyle.

Consider Sarah, who is evaluating her options for business insurance. Sarah runs a delivery service in a busy city with a high rate of traffic accidents and has experienced a few minor incidents in the past. She calculates her budget and realises that she can comfortably afford a higher premium, which provides her with a lower excess. This decision gives her peace of mind, knowing she won’t face substantial out-of-pocket costs in the event of another accident involving her delivery vehicles.

Conversely, Tom, who operates a delivery service in a rural area with minimal traffic and has never had an accident, opts for a higher excess. His priority is to save on his monthly insurance payments, and he feels confident that his careful driving and lower traffic risk will minimise the need for claims.

Making the Best Choice for Your Needs

Ultimately, the decision comes down to what makes the most sense for your financial health and peace of mind. Contact Morgan Insurance Brokers today for personalised advice on choosing the best insurance coverage for your needs.

by Mojo Dojo

The Essential Guide to Choosing Public Liability Insurance for Your Business

Public liability insurance safeguards your company against unforeseen claims of injury or damage inflicted on the public by your business operations. This essential coverage is not just a precaution - it's a vital asset for businesses across Australia, from sole traders to corporate giants. However, with so many coverage options available, determining the appropriate level of public liability insurance can seem daunting.

In this post, we’ll breakdown public liability insurance and offer insights to help you make an informed decision tailored to your company’s unique needs.

Coverage Levels Explained

Public liability insurance in Australia typically comes in several tiers, including $5 million, $10 million, $20 million, and occasionally, even $50 million. Each level is designed to cater to different extents of risk exposure and business types. Making an informed decision on the appropriate coverage level requires a deep understanding of the specifics of your business. This includes analysing the nature of your activities, identifying potential risks, and understanding the implications these could have on your operations.

Additionally, certain contracts, especially those involving larger corporations or government entities, might specify minimum insurance requirements. Therefore, it's not merely about meeting these contractual obligations but ensuring your business is adequately protected against claims that could jeopardise its financial health and reputation. It’s essential that you select a public liability insurance tier that not only complies with legal mandates but also aligns with your business's risk profile and long-term strategy.

Do You Need Basic Cover?

Opting for $5 million in public liability cover might seem appealing for businesses with minimal public exposure due to its lower premiums. However, this level of coverage is increasingly considered insufficient against the backdrop of Australia's growing litigious environment. While it may offer baseline protection for your company, it's worth noting that claims, especially those related to personal injuries, can rapidly exceed this amount. For many businesses, and yours is likely no different, it serves as a stark reminder that more extensive coverage might be a prudent path.

Do You Need Balanced Cover?

A $10 million public liability insurance policy strikes a harmonious balance for most Australian businesses, particularly small businesses and sole traders. It offers a moderate level of protection for your business that aligns well with the typical risks encountered by small businesses or sole traders. This coverage level is often recommended as a starting point, providing a solid foundation of security from which you can operate.

Do You Need Comprehensive Protection?

Businesses at a higher risk of public exposure or those engaging in contracts with local, state, or federal governments are advised to consider $20 million coverage. This level affords greater cover, ensuring that even the most significant claims can be managed effectively, thereby protecting your business's financial stability and reputation. It's a strategic choice that safeguards not just your financial assets but also maintains the trust and confidence of your clientele and partners.

Do You Need Higher Coverage?

While not as common for small to medium-sized enterprises, there are scenarios where $50 million in public liability insurance becomes a necessity. International contracts, in particular, may demand this higher level of coverage. 

Tailoring Your Coverage to Suit Your Business Needs

The key to deciding on the amount of public liability insurance is a thorough assessment of your business's activities and dealings. The right coverage varies significantly across industries, risk levels, and legal obligations. When selecting insurance coverage, it's imperative to consider the nature of your business operations, the likelihood of incidents occurring, and the potential severity of claims.

It's not uncommon for certain contracts, especially those involving corporate or governmental entities, to stipulate minimum public liability coverage. These requirements can serve as a guide, but it's always beneficial to contemplate additional coverage to safeguard against unexpected claims.

A Strategic Approach to Public Liability Insurance

Choosing the right amount of public liability insurance is a strategic decision that underpins the security and longevity of your business. While the options might seem complex, understanding the coverage levels and evaluating your business's specific needs can simplify the process. Remember, insurance is not just about meeting legal requirements; it's about ensuring your business can continue to thrive, even in the face of unforeseen challenges. 

With careful consideration and the guidance of an insurance specialist at Morgan Insurance Brokers, you can secure the coverage that best suits your business and also providing peace of mind.

by Mojo Dojo