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Who do you have public liability insurance through and what do you pay?

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Melanie GrayOwner at MyCL (My Computer Lab)
I'm sure all insurance policies are the same. The more turnover I have, the more insurance I pay. I used a broker
Kirsty FoxPrincipal at Spitfire Solutions
Aside from the insurance brokers' advice, there are specific rates for different industries / type of work that you do. I think that is the same throughout all insurers.
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Who do u have public liability insurance through and what do u pay?

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Is link building dead, not just for SEO but for traffic as well?

Joshua Ballard
link building will never truly die. The thing is though, proper link building in this day and age does not resemble link building as most people know it.In this era, it is far more important to be building relationships with other site owners from within a similar niche.The idea of "building" the link implies that it is completed by one party alone. Whereas relationship building is a 2 way street.
Steven FreemanOwner at Evolved Sound
Focus on building your own ever growing website with quality, relevant and targeted content to your market and followers.If others love it, they will link to you and share accordingly. The search engines will see this as a lot more legitimate that the random paid link farm alternative. Conquenctly helping you receive more SEO brownie points.
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When buying business insurance is it best to work with a broker representing various carriers or should I go direct?

Steven FreemanOwner at Evolved Sound
I see the value in a broker more than just the best price. If they can deeply understand / compare different policy specifics beyond what you could do (or are prepared to) then the broker idea is a fantastic one.Unfortunately many brokers are skewed to preferred networks and better commission, so it is very difficult to receive 100% impartial advice - putting you back at square one where you are better off investing in doing the full analysis and negotiation yourself.I speak for more complex and higher risk related policies, and not everyday day standard ones when it is simply about best value.
Jef LippiattOwner at Startup Chucktown
Great question Helena. I have done purchased insurance both ways. If you know exactly what you need you can go direct without worry (I've worked at 2 different insurance carriers so my comfort level is pretty high).However, if you are unsure of your needs, working with a broker will be very helpful. It is their job to understand your business, your needs, the risks you face and the right coverage to protect you from experiencing loss.Working with a broker who writes business with multiple insurance carriers can also benefit you. They can plug in the information you give them into a handful of providers to give you a range of price quotes. You can then work with them to refine what you need and move forward.I hope that is helpful information for you.
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What happens to your online assets when you die?

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Which is Australia's riskiest industry according to major insurers?

The answer to this question based on the WorkCover claims statistics across all industries as per a number of Victoria's largest Insurers is  - the Aged Care Industry. Does this come as a surprise?
James NorquayOwner at Prosperity Media
I would take a guess and say Medical - Doctors would be a very costly business to insure. I know doctors pay crazy insurance premiums. The ones actually operating on people would pay more. Due to Medical Negligence I am guessing this is one area which is very costly.   
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Kate FairleyOwner at Get Informed
No they certainly can't, and Insurance isn't a failsafe in that regard however the Business Interruption options available are quite generous. The product I've selected for my business actually provides an additional benefit (meaning it's paid out on top of the claim) of $50,000 towards having a PR firm re-establish the business' reputation OR a security consultant to conduct a review and implement any necessary security improvements as a result of an event OR a forensic consultant to establish the identity of the hacker. So depending on the breach which has occurred, I could select the most appropriate option which would give me the best chance of getting back on my feet. Insurance isn't a magic wand, but it does offset your risk.
Steven FreemanOwner at Evolved Sound
Very interesting insurance product. Being hacked in some shape or form is inevitable for many businesses and the risk factors are on the rise. Some of these Cyber crimes are so severe, and other than a potential payout these policies can't easily restore your business in the same way a house can be re-built in the traditional sense.
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(Great article Kate, easy to read and not full of techinical jargon) Kate is right Wendy, most Insurance Brokers would be more than happy to offer you a review to check what you do have in place is adequate, and, if you do have the right cover they will tell you so, then review with you at renewal. The reason they dont 'push for a sale' is because a broker represents the client, not the insurance company, and that makes a big difference to the type of advice you receive. Could you imagine not asking for a free review of what you have, then something happens to your business that could have been easily covered that you overlooked but a broker wouldnt have?
Kate FairleyOwner at Get Informed
It certainly is, it's also never too late to have a broker review your current insurances to see if there are any gaps you're exposing yourself too, all at no charge because all you're really doing is getting a quote. Same as if you got a quote for a kitchen remodel, it's just a quote, no pressure, no obligation. Hopefully Phil won't have a problem with my saying that you can find a broker on Get Informed ;)
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