Block of units Insurance - Things to consider when insuring your Block of Units
Finding an insurer that will insure a Block of Units can be challenging if you don’t know where to look. Fortunately, Morgan Insurance Brokers has a panel of Australian-approved insurers that will offer comprehensive insurance to protect your Block of Units. We will approach the market on your behalf and negotiate an insurance policy that is comprehensive and also affordable.
Who should insure a Block of Units?
Standardly, if you are insuring a Block of Units, you will be the single owner of the property. If there are separate owners of the units within the building, this would be considered strata insurance.
What insurance do I need?
When insuring your Block of Units, there’s a few things you should consider insuring.
Building - Insuring your building for replacement value is the most crucial part of insurance when you’re considering insuring your Block of Units.
Block of Units Insurance can protect you against events such as:
- Fire, including bush fire and arson
- Storm damage, including rain, hail, and wind
- Water damage from burst or leaking pipes,
- including overflowing
- Cyclone
- Flood,
- Impact damage, including from trees and vehicles
Tip - you may see building sum insured calculators for residential homes available, but these can not accurately calculate the cost to rebuild a block of units. We recommend engaging a professional builder, Valuer, architect, engineer, or other suitable qualified person to determine an adequate figure.
Contents/Fixtures and fittings General contents items, and Fixtures and fittings such as curtains, carpets, and blinds are not automatically covered when insuring your Block of Units. You should consider the cost of these per unit and ensure that your policy reflects this.
Public Liability Insurance
Public Liability Insurance is usually automatically insured under a Block of Units insurance policy. Public Liability under this policy is designed to protect the property owner for their responsibilities to their tenants. Third party personal Injury and Property Damage that you are found negligent for will be covered under this section.
Optional covers
When insuring a Block of Units, there are many additional layers of cover that you can consider insuring depending on how risk-averse you are, and what fits within your budget.
Loss of Rent Insurance
Loss of Rent cover can protect your annual rental income if your Block of Units were to be deemed uninhabitable by the insurer. It can look to reimburse you for the lost rent whilst your property was to be repaired or rebuilt after an insured event.
Rent Default
Rent Default insurance can protect your rental income if your tenant stops paying rent without providing written or verbal notice. It can protect your rental income from the date your tenant stopped paying rent until the date you secure a new tenant. Your tenant must have a rental agreement in force to be able to claim on this cover.
Theft by Tenant
If your property is furnished, Theft by Tenant cover is going to protect your items from theft by Tenant.
Accidental Damage by Tenant
Accidental Damage cover is not available with all insurers. It will cover damages to the building caused by the tenants, or their visitors. As accidents happen all the time, this cover is important to consider so be sure to read the terms and conditions of your policy.
Malicious Damage
Malicious Damage by your tenants or their guests is an important cover if you have tenants. It is standardly included under a Block of Units insurance policy.
How to obtain a quote for your Block of Units
Engaging Morgan Insurance Brokers to approach the market on your behalf is the first step to obtaining a comprehensive policy to protect your assets. We can source cover that will provide you peace of mind that in the event of an insurance claim, you’ll have a qualified insurance broker to manage your claim for the best outcome.
Are you getting the most out of your Insurance Broker?
Handle your Claims
Claims handling is a crucial service that Insurance Brokers should provide to their clients free of charge. What good is an Insurance policy that fails to respond in the event of a claim, that should otherwise be covered? Claims handled by Insurance Brokers have a greater rate of success, in comparison to individuals who manage their own Claims direct with an Insurance company. This is due to the Insurance Brokers' comprehensive knowledge of policies and policy wordings, not to mention their experience in handling claims of a similar nature on a daily basis.
Policy remarketing
Many Insurance Brokers will approach a panel of insurers that will respond to a single automated quote request, calling it a job done. An exceptional Insurance Broker will go one step further and also approach other insurers that are not on the panel, submitting an individual quote request with each one. This extra step gets you the most comprehensive and competitive on the market, rather than the most comprehensive and competitive policy on a select panel.
Effective time management
You should be contacted roughly 4-6 weeks out before policy renewal to be able to discuss any situational changes to your business that may impact your insurance policy for the coming year. This ensures that your renewal isn't rushed, and considers all components of your insurance program to ensure it will adequately protect you for the coming 12 months.
Tailored recommendation
A good insurance broker will not overinsure your business by recommending policy covers, or policies that you do not need. Similarly, at the other end of the scale, they will also not underinsure your business leaving you with gaps in your cover, or without a policy that you need. A good insurance broker will conduct a risk assessment that uncovers any exposures that could be mitigated with an appropriate Insurance policy.
Clarify your situation each year
A good Insurance Broker should ask lots of questions to gain further insight into your business. A quality Insurance Broker will not limit their questionnaire to a few questions, they will delve deeper into all aspects of your business to ensure that all of your activities are covered where possible.
Effective Coverage Summaries
A good Insurance Broker will be able to appropriately summarise the key features of your policy, and effectively communicate those that are most important to you. They will also communicate any situations or events that are not covered by your current or future policy, giving you an accurate understanding of your policy and the covers it provides for your business.
Acute response times
Communication is key! We all know that clear and timely communication is what makes any experience with a business that much better. A good Insurance Broker is one that responds promptly or gives notice to contact you within an appropriate time frame, not leaving you wondering for days as to whether or not you will hear back from them.
A detailed summary of your policy, not just the invoice
Have you ever just been provided with an invoice with no context behind it? Have you had to look through your cover and find out what exactly you're covered for? A good insurance Broker will provide a concise, jargon-free summary of your insurance policy so you have a quick understanding of what you are, and are not covered for.
Treat you as a person, not a number
A good insurance broker will treat you like you are their number one client, no matter the size, no matter the type of policy you hold with them.
Dedicated Insurance Broker/Account manager
Some insurance brokerages don't assign a dedicated insurance broker to policies that don't generate much income. If you fall below a certain threshold, you may not have a Dedicated Insurance Broker that will look after you. A good insurance broker assigns an Insurance Broker to each client, regardless of the income generated.
If you're looking for an Insurance Broker that meets the above standards, contact Morgan Insurance Brokers today.
6 Tips on how to save money on your Tools Insurance in Australia
Having tool insurance is important. Without your tools, you cannot work. Ensuring that you have adequate cover is crucial for your business to continue operation with minimal disruption, and also without the financial burden of replacing all of your tools in one go. Making sure your insurance policy is affordable is also very important. Here are 6 tips that can help you reduce your Tool Insurance premiums.
Look into the sub limits
On tool insurance policies, there are usually automatic cover for items under a certain limit. Standardly policies cover items automatically for $2,500 - $3,000.
By noting your tools on your policy that are this amount or less will incur additional premium unnecessarily. Only look to specify items that are higher than the automatic inclusions.
Look at increasing your excesses
A simple way to reduce the amount you pay on tool insurance is to increase your excess. An excess is a portion of the claim that you bare yourself. Increasing your excess from $250 to $500 per claim can reduce your premiums. Be mindful the higher the excess goes, the less the premium starts to reduce.
Selecting the correct sum insured
Tool Insurance is important. The sum insured should be the greatest total value of the tools at any one location. This single sum insured will cover you across multiple locations, even though the total value of the tools across multiple locations is greater than the sum insured. For example, if you have $5,000 worth of general tools in one ute at your address, and another $5,000 worth of tools in a ute at your employees address, you will only need to insure for $5,000. If a theft occurred at both addresses on the same night and your tools were stolen, this would be deemed as two separate claims as they were unrelated events.
Reducing your level of cover
Some insurers provide you with the option to limit your cover to just fire and perils, and collision cover. This can reduce your premiums but this would mean you wouldn't be insured for accidental loss, damage, or theft.
Combining your policies for a discount
Some insurance companies don't like to insure just your tools by themselves and prefer to insure your Public Liability Insurance and Business Package insurance as well. Combing your tools with a Public Liability or Business Insurance policy provides you with more options and potentially lower premiums. The insurers usually provide discounts on the tool portion if you insure other covers with them.
Shop around
As you can see above, there are many different options that you have to restructure your tools insurance policy to look at bringing the cost of insurance down. One of the simplest ways to reduce your insurance premium is to contact Morgan Insurance Brokers. We approach a large panel of specialist tool insurers on your behalf. This guarantees that you will be provided with the most competitive quotes on the market for your Tool Cover. Reach out to us today for a quote.
How to find the best business insurance broker?
Like most small businesses, your knowledge of Insurance coverage and the policies that you require may be limited. Accordingly, this is where a Business Insurance Broker can assist you in sourcing an insurance policy that will protect your business at an affordable price for your budget
Purchasing an insurance policy directly with an insurer vs an Insurance Broker - what is right for you?
Insurance Broker
An Insurance Broker makes obtaining insurance easy. They do all the hard work for you. They approach a large panel of Australian-approved insurers with your requirements and do a multipoint review and comparison of the quotes that have been obtained. An Insurance Broker will put together their recommendation on their findings to ensure that the policy you purchase will protect your business. Insurance Brokers are your dedicated insurance advocate and your point of contact for all your insurance needs.
Direct through an Insurance Company
Insuring direct with an Insurance company can be a very quick and easy process through their portal and be covered within a matter of minutes. Purchasing an Insurance policy directly through an insurance company means you would need to do a thorough analysis of their cover, terms and conditions, and policy wording yourself, along with a comparison of other quotes you've obtained. This is especially important as some policies can have conditions that could impact your business if not understood correctly. If a claim were to occur, you would be representing yourself and have to liaise with the insurance company yourself.
A benefit of an Insurance Broker over insuring through an insurance company directly is that an Insurance Broker will manage all of your claims from lodgement through to settlement.
How to find the best Business Insurance Broker for my business
1. Ask for a referral
Asking qualified professionals such as your accountant, financial planner, or lawyer for a recommendation for a referral. These professions usually have a good relationship with an Insurance Broker.
2. Look locally
Start by looking online in your local area. There will be many Insurance brokers in your area to choose from. You can search using local directories such as Google maps and yellow pages.
3. Word of mouth
Ask your friends, family, or colleagues that are in the same industry as you how they manage their insurance and if they can recommend a good insurance broker.
Good Insurance Brokers like Morgan Insurance Brokers can save you time and money, and streamline your insurance policies so you can focus your time back on your business.
What to look for in a Business Insurance Broker?
Insuring your business does not need to be challenging. Insurance Brokers work by your side in obtaining an Insurance policy that will protect your business from unforeseen events. Here are some tips to help you choose the right Insurance Broker for your business.
Locality - Finding a broker local to your area
An Insurance Broker that is local to your area should be highly considered for many reasons. A local broker should know if your area is susceptible to flooding, and local and state regulations that could differ state by state. You could also have the opportunity to meet with your Insurance Broker in person so they can better understand your business.
Online reviews - Insurance Broker with great reviews
Word of mouth referrals are still a highly regarded way of transacting business. Still, the next best way to know if you've engaged a good Business Insurance Broker is to check first-party review platforms such as Google, Trust Pilot, Feefo etc. These, along with any testimonials that may be available can give you a good gauge on what type of service you could expect from your new Business Insurance Broker.
Does your Broker know your industry?
Insurance Brokers are specialists and are able to tailor insurance programs to suit your business needs. There are some complex occupations that require additional attention to detail, along with a thorough understanding of how your business operates in order to obtain the appropriate cover that will respond in the event of a claim. If your Insurance Broker primarily deals with construction businesses, they may not be well versed in Insuring professional service businesses such as Financial Planners. Both industries can be complex and have challenges to overcome when seeking insurance. It would be wise to seek an Insurance Broker that specialises in your industry.
Does the Insurance Broker deal with the type of insurance you need?
Similar to having a broker know your industry, you should also consider choosing an Insurance Broker that is familiar with the insurance product that you require.
Morgan Insurance Brokers are familiar with all insurance products but specialise in business insurance, Public Liability insurance, and motor fleet insurance.
What Industry experience does your Insurance Broker have?
When engaging a broker, you should ask them how long they've been in the industry. Having industry experience like the Brokers at Morgan Insurance Brokers assists us to accomplish our clients' objectives efficiently and effectively.
Fees - How much does the broker charge?
Insurance Brokers get paid by the insurer in the form of commission and at no additional cost to yourself. Some brokers however can charge a broker fee in addition to this which increases the cost of your insurance policy. Be sure to see if you are being charged a broker fee or not. If you're not comfortable with being charged an additional fee, most brokers will remove this from your policy.
How well do you get along with your Broker
Rapour, rapour, rapour! First impressions are everything. If you've finished your phone call with your Insurance Broker and you're happy with how the conversation went and had a positive experience, this sets the pace for the rest of your professional relationship with your new broker.
Qualifications - Is the Broker qualified?
Insurance Brokers now have to have a minimum requirement to be able to practice as an insurance broker; their diploma of insurance broking. Ensuring that your broker has these qualifications can provide you peace of mind that your broker is adequately trained to be able to provide you sound advice to you and your business.
You could find yourself contacting your insurance broker many times throughout the year. These tips can assist you in finding a business insurance broker that you enjoy speaking to, have trust in their service, and can rely on them to protect your business.
Tips on how to save money on your Commercial Motor Insurance
Motor insurance is one of the must-have insurances for all individuals and businesses. The statistics on car accidents make it clear that it's an insurance policy that you must have to avoid the financial burden of a car accident. But with the ever-increasing costs of living, running a business, and insurance, reducing your insurance premiums without sacrificing cover is a must.
How are motor insurance premiums calculated?
The insurers have rating metrics that they use to determine the cost of a motor vehicle insurance policy.
These factors include:
- The vehicle itself - the year, make and model - certain vehicles are more expensive to repair, others are riskier with performance engines
- The value of the vehicle - how much they would have to pay to replace the vehicle if it were written off
- The garaging address - the overnight address plays a role in determining the insurance premium as your postcode could have higher claim statistics (thefts, storms)
- The driver - The driver's age and driving history also weigh heavily in calculating insurance premiums - young drivers are particularly costly
All of the above are the main factors that the insurers use in calculating the cost of your insurance.
Reviewing your vehicle value
On a Commercial Motor Vehicle policy where you are insuring your truck, rigid vehicle, or prime mover for example, you will note that you have to select an amount that you insure your vehicle for. This amount is usually close to the market value of your vehicle. However, if you have not reviewed your vehicle value on your policy in quite some time, it's best that you do some research to determine if the amount your vehicle is insured for reflects the true value of your vehicle. You will note on your insurance policy that your vehicle could be insured for $XXX, "OR Market value - whichever is the lesser". What this means is that even though you have elected $XXXX to insure your vehicle, if you were to write your vehicle off, the insurer will only pay up to the market value if the figure of $XXX is higher than the market value. As there would be no rebate if you insured your vehicle for higher than the market value, it's important to review this figure annually. You can reduce your insurance premiums by ensuring that your vehicle value decreases on your policy to match depreciation.
NSW Stamp Duty Exemption
In NSW, if you are a small business turning over less than $2,000,000 you may be eligible for the NSW Stamp Duty Exemption. If eligible, this can be applied to your Commercial Motor Vehicle Insurance. This can reduce your premiums by close to 10%
To see if you are eligible for the NSW Stamp Duty Exemption, please refer to
Revenue NSW website:
- Revenue NSW “Small Business Exemption” heading in Frequently Asked Questions – http://revenue.nsw.gov.au/info/legislation/budget/201706/faq
- Insurance Duty- http://www.revenue.nsw.gov.au/taxes/insurance/factsheet/overview
Increasing your excesses
An excess is an amount you have to pay if you make a claim on your insurance policy. It’s a way of you sharing a small portion of the costs with the insurer. On most Commercial Motor policies the standard excess is usually $600. For larger higher value vehicles, you could see that your excess is 1% of the sum insured. Increasing your excess could reduce your premiums.
Adjusting your radius limit
The radius at which your vehicle is insured under your policy can have a big bearing on your insurance premium. If your radius is greater than the radius that you intend to travel, you should consider reducing this as it can lower your insurance premiums.
Reviewing your drivers
Specifically noting that you have under 25-year-olds driving your vehicles attracts a larger premium. If you have had staff members that were under 25 driving your vehicle but are no longer doing so, you should update your insurance policy to remove them as this will lower your insurance premium.
Reviewing your accessories that are listed
It's extremely important to note all of your vehicle accessories under your policy to ensure that if your vehicle was written off, you would be financially reimbursed adequately. Adding accessories to your policy is likely to increase your insurance premium. A solution on how to keep your insurance premiums low is by reviewing your commercial motor insurance policy coverage. Most commercial motor insurance policies offer automatic additional accessories to your policy up to a certain value ($5,000 is standard). If your insurer offers this cover, you won't need to list accessories that are automatically covered.
Paying your insurance premium annually, and not monthly
An easy way to lower your insurance premiums is not to opt for monthly instalments. Monthly Instalments tend to add around 10% extra to your motor vehicle insurance. However, the convenience of monthly instalments may be worth the additional cost to alleviate your cash flow.
Shopping around
One of the easiest ways to reduce your Commercial Motor vehicle Insurance is to engage Morgan Insurance Brokers. Morgan Insurance Broker has access to a large panel of approved insurers for your Motor Vehicle Insurance. We can approach close to 10 providers on your behalf to ensure that the premium you are receiving is the most competitive for your circumstances. View our fleet insurance brokers page for more information.
We do the hard work for you. We also understand that there is no need to be paying overs for insurance when it's simply not required.
NSW Introduces Mandatory requirements for all registered Design Practitioners, Principal Design Practitioners, and Professional Engineers
All registered Design Practitioners, Principal Design Practitioners, and Professional Engineers must have in place a Professional Indemnity Insurance Policy as of July 1st 2022 under NSW new fair trading mandatory requirements. (fairtrading.nsw.gov.au)
What is Professional Indemnity Insurance?
Professional indemnity insurance is an insurance policy that protects your business from claims brought against you for advice, recommendations, breach of professional duty, and alleged negligence that results in a financial loss to third parties.
Do I need Professional Indemnity Insurance?
As of July 1st in NSW, Professional Indemnity Insurance is mandatory for all registered Design Practitioners, Principal Design Practitioners, and Professional Engineers.
What information do I need to provide to obtain a Professional Indemnity policy?
In order to obtain a Professional Indemnity policy, a proposal form will be required to be completed. A proposal form is a document that the insurers request you complete in order to better understand your business and the activities you are looking to insure. They do not take long to complete.
How long does it take to obtain a Professional Indemnity policy?
As your Insurance Broker, we send your request out to a large panel of insurers on your behalf. Depending on if different insurers require additional information from you, you could expect a quote returned from the insurers within a few days.
How much does Professional Indemnity insurance cost?
As Professional Indemnity Insurance is an insurance policy that insures for your mistakes, we know that the mistakes in your industry could be catastrophic. The premiums are quite considerable. The main considerations for the insurers calculating your premiums are your business activities, your annual turnover, and how many employees you have.
How do I obtain Professional Indemnity Insurance?
Morgan Insurance Brokers takes the hard work out of the equation. We approach a large panel of approved insurers on your behalf and negotiate coverage and pricing for your business. We then provide you with the quote that we recommend that we believe will provide your business with the most protection. We are your main contact for all Insurance related queries, meaning you will never have to speak to any insurance company directly.
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Are my subcontractors covered by my insurance?
Will my Public Liability Insurance cover my subcontractor?
A Public Liability Insurance policy will not extend to cover the subcontractor’s for their negligence and as such, they will be required to hold their own Public Liability Insurance policy.
What is a Subcontractor?
A Subcontractor can be a sole trader, partnership, or business that is engaged to perform part, or all of the works of another’s contract.
Examples of a Subcontractor
- A builder has a contract with an individual to build their house. The builder decides that the painting works is best left to a qualified painter. The builder then engages a painter for the works and then pays them accordingly.
- An accountant may subcontract out their administration works to an individual or company to free up their time
Are subcontractors considered employees?
With regards to Public Liability Insurance, a subcontractor is not considered as an employee of the business.
What is Public Liability Insurance?
Public Liability Insurance will protect your business from claims brought against you for negligence by third parties for personal injury, property damage, and advertising liability.
Do Subcontractor’s need their own Public Liability Insurance?
It is always recommended that Subcontractor’s hold their own Public Liability Insurance when they are working for themselves, or contracting to other companies. Public Liability Insurance policies will not extend to a subcontractors negligence.
What happens if a Subcontractor causes damage, or injures someone on my site?
Subcontractor’s will need their own Public Liability Insurance to ensure that if the unexpected occurred, such as someone getting injured, or damage occurring, that they are financially protected from the costs associated with a Public Liability Claim.
If I engage a subcontractor, and a claim is brought against me for their negligence, am I covered?
It is important to disclose to your insurer if you are using subcontractors as part of your business. Ensuring that your insurance company are aware of this, your policy can respond to the vicarious liability and costs associated with claims brought against you due to your subcontractors negligence.
What is Vicarious Liability Insurance?
Vicarious liability insurance is when the principal is legally responsible for the acts of their employees, contractors, and other workers whilst undertaking their job.
Does it cost more to note subcontractors on your insurance policy?
Your Public Liability Insurance policy premium is based off many factors. The amount that you pay to your subcontractors each year is a factor in rating the premium. Some insurers have thresholds on the percentage that you can use. Insurers can decline to offer you a quote if the amount you pay subcontractors is higher than their allowable limits.
Our team of experienced Insurance Brokers are driven by customer satisfaction and are dedicated to each client, no matter the size. Contact us today for a quick quote.
What is Public Liability Insurance?
What is Public Liability Insurance?
Public Liability Insurance covers your legal liability to third parties for personal injury or property damage arising from your insured business activities.
Public Liability Insurance is designed to provide you with confidence to trade without having to worry about the burden and financial impact if injury, or damage was to occur outside of your control, in which you were found negligent.
No doubt if you’re in business for yourself, you’ve heard of Public Liability Insurance. Public Liability Insurance can protect all businesses, from sole traders, to small businesses, to ASX listed companies. No matter the size, no matter the industry, Public Liability Insurance is going to offer a level of protection for your business that you need. Without it, you could see yourself fronting the costs incurred if a claim were to be brought against you.
In this post, we’ll cover a few examples of how Public Liability Insurance can protect you, and how you can benefit from engaging Morgan Insurance Brokers to source cover that’s right for you.
Why is Public Liability Insurance Important?
To protect you from unexpected legal costs that could arise from Public Liability Claims against your business, it is important that you protect your business with a Public Liability Insurance policy that will cover all of your day-to-day business activities. Although usually not compulsory, businesses should consider safeguarding their financial future with an adequate Public Liability Insurance policy. We all know how expensive solicitors are, so imagine having to pay for legal representation to respond to the claim brought against you, whilst also having to potentially reimburse the claimant for their legal fees incurred, and compensation claim as well.
Between 2017-2021, there has been $2.31 Billion Dollars paid out in Public Liability claims in Australia. This highlights the importance of ensuring your business is protected with an adequate Public Liability Insurance policy.
Examples of Public Liability claims
Property Damage
ABC Lawnmowing is engaged to cut John Smith’s grass. A stone has flung up under the mower and damaged John Smith’s glass. ABC Lawnmowing is deemed liable for these damages and their Public Liability Insurance policy will pay for the repair of the glass.
Slip and Fall
Jane Doe has entered XYZ Supermarket and has slipped and injured herself on a puddle of water from a leaking freezer. XYZ Supermarket had known about the puddle but did not secure the area with appropriate signage to warn customers about water on the ground. XYZ Supermarket are found liable for Jane Doe’s medical expenses. XYZ Supermarket’s Public Liability Insurance policy will pay the legal and compensation costs in this instance.
Food Poisoning
Jack Jones visited his favourite buffet restaurant for dinner. A short time later, he came down with a bout of food poisoning. Jack Jones was unable to work for the follow days after, and also incurred medical costs. It was found that the buffet restaurant was liable for Jack Jones illness. The buffet restaurant engaged their Public Liability Insurance and the policy responded to the costs incurred.
Now we know how important insuring for Public Liability Insurance is for your business, so now is the perfect time to review your cover, or take out a new policy to protect yours, and your employees futures!
Not sure where to start? Contact Morgan Insurance Brokers for a tailored Public Liability Insurance policy for your needs. We do all the hard work, so you don’t have to. You’ll have faith knowing that we have your best interests at heart.
The Assurance of Insurance
The Assurance of Insurance
It is safe to say that Australians have had a hard time with it these past few years.
In the face of such uncertainty, we must pay the small cost of appropriate insurance, to protect ourselves from the far greater cost of being uninsured.
