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Preferably businesses with independent contractors as their workforce. Would greatly appreciate any comment/intros.
936 views
Jane Jones, Manager at SavvySME
Thanks everyone. @Kate Fairley - can I get your opinion on this one?
https://www.savvysme.com.au/article/1190-importance-of-having-public-liability-insurance
Marcus Tjen at Rugged Computing
Go see an insurance broker and tell them what insurance you need. It shouldn't be too different from Uber insurance or Air BnB insurance.
Melanie Gray, Managing Owner at MyCL (My Computer Lab)
Find an insurance broker. They will be able to help you find the best deal. Ask for references from people in the same industry as you. Brokers tend to specialise in certain industries.
888 views
Steven Freeman 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.
Cathal Uniacke, Principal OHS Consultant at Custodian Safety Services
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?
Lisa Ormenyessy , Business Coach and Marketing Specialist at Straight Talk Group
Cathal, hmm initially yes, however not when I think about it, my guess is that they are constantly lifting people in awkward situations. Also with all the death around them I'd say stress as a claim would be high.
Mark Mellish , Senior Account Manager - Commercial and Niche at Richard Mellish Insurance Services
What is the workcover premium rate in Victoria for Aged Care as opposed to say, shearing contractors? Are you relating this to claims frequency or severity?