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Insurance News

Why climate disclosure rules should prompt a cover check Why climate disclosure rules should prompt a cover check
01 Sep 2026: Paige Estritori

Australia’s mandatory climate-related financial disclosure regime is moving from policy discussion into practical reporting, and consultants who support sustainability, governance, risk, data, finance or transformation projects should pay close attention. The rules initially apply to larger entities, but their impact is likely to spread through procurement, due diligence and supply chain expectations. - read more
Why Slower Building Approvals Can Become an Insurance Issue Why Slower Building Approvals Can Become an Insurance Issue
01 Sep 2026: Paige Estritori

Australia’s latest building approvals commentary has again highlighted a difficult reality for the construction sector: the national housing task is ambitious, but the project pipeline remains uneven. Industry groups have pointed to approvals volatility, planning delays and capacity constraints as continuing barriers to lifting housing supply at the pace governments want. - read more
Why NSW Levy Reform Matters for Personal Trainers Why NSW Levy Reform Matters for Personal Trainers
01 Sep 2026: Paige Estritori

NSW’s move to redesign the way emergency services are funded has put business insurance affordability back in focus. For personal trainers, bootcamp operators and small studio owners, the issue is more practical than political: when statutory charges are added to premiums, cover can become harder to maintain at the level a growing fitness business actually needs. - read more
Cyclone Reinsurance Pool Puts Cover Affordability Back in Focus Cyclone Reinsurance Pool Puts Cover Affordability Back in Focus
01 Sep 2026: Paige Estritori

The latest monitoring of Australia’s cyclone reinsurance pool has again highlighted a key reality for households and small businesses in cyclone-exposed regions: government-backed premium relief can help, but it does not remove the need to check whether cover is suitable, affordable and realistically sized for the risk. - read more
What Fresh Claims Data Says About the Value of Life Insurance What Fresh Claims Data Says About the Value of Life Insurance
01 Sep 2026: Paige Estritori

Fresh industry claims data has put a timely spotlight on the role life insurance continues to play for Australian families, workers and business owners. While premiums and affordability often dominate the conversation, the latest sector snapshot is a reminder that life cover is ultimately tested at claim time, when a death, serious illness, disability or extended inability to work can quickly become a financial shock. - read more
Why changing rental rules should trigger an insurance check Why changing rental rules should trigger an insurance check
01 Sep 2026: Paige Estritori

Recent rental market coverage has again highlighted how state-based tenancy reforms are changing the operating environment for Australian landlords. In New South Wales, reforms affecting termination grounds, pets, rent payments and tenant protections are a reminder that rental property risk is no longer only about market vacancy rates or weekly rent growth. It is also about how confidently a landlord can manage compliance, document decisions and respond when something goes wrong. - read more
What Rising Insurance Disputes Mean for Rental Property Owners What Rising Insurance Disputes Mean for Rental Property Owners
01 Sep 2026: Paige Estritori

Fresh reporting on financial dispute trends has put insurance claims handling back in focus, with the Australian Financial Complaints Authority continuing to see a high volume of general insurance complaints. For landlords, the lesson is practical rather than abstract: a policy is only as useful as the evidence, limits and wording that support a claim. - read more
Why cutting life cover needs more than a quick budget decision Why cutting life cover needs more than a quick budget decision
01 Sep 2026: Paige Estritori

Recent industry reporting on household insurance affordability has put the spotlight back on a growing risk for New Zealand families: underinsurance. As mortgage costs, food bills and other living expenses remain front of mind, some households are reassessing personal insurance and looking for ways to reduce monthly outgoings. That is understandable, but life cover is one area where a quick cut can create a long-term problem. - read more
Why cutting cover can cost more than it saves Why cutting cover can cost more than it saves
01 Sep 2026: Paige Estritori

Recent insurance industry discussion has again pointed to a familiar household dilemma: when everyday costs rise, insurance premiums can look like an obvious place to save. For New Zealand workers, that decision deserves careful thought. Trimming a policy may free up cash today, but removing income protection altogether can leave a much larger gap if illness or injury suddenly stops wages, contracting income or business drawings. - read more
Why Stronger Insurer Supervision Matters for Your Income Why Stronger Insurer Supervision Matters for Your Income
01 Sep 2026: Paige Estritori

The Reserve Bank’s continuing work on insurance supervision reform is a reminder that personal cover is not only about choosing the right benefit amount or premium. For New Zealanders who rely on Income Protection Insurance, the strength and oversight of the insurer behind the policy can matter just as much as the wording in the brochure. - read more
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Professionals Insurance Articles

How Do Insurance Brokers Assess the Risks Faced by Different Professions?
How Do Insurance Brokers Assess the Risks Faced by Different Professions?
Risk assessment in insurance is the process of identifying, analysing and evaluating the exposures that may result in an insured event or financial loss. For professionals and businesses, this assessment considers the nature of the services provided, the operating environment, contractual obligations, regulatory requirements and other factors that may influence the likelihood or potential cost of future claims. - read more
When Are Australian Professionals Required to Hold Insurance?
When Are Australian Professionals Required to Hold Insurance?
Australian professionals may need insurance because of laws, licensing rules, professional body standards, client contracts, leases, tenders or operational risks. This guide explains the main sources of insurance obligations and what to check before accepting work. - read more
Protecting Your Professional Income: Understanding Income Protection Insurance
Protecting Your Professional Income: Understanding Income Protection Insurance
Income protection insurance is a financial safety net for individuals who are unable to work due to illness or injury. It ensures that you receive a percentage of your income during times when you cannot earn a salary, helping you maintain your lifestyle as you recover. This type of insurance offers peace of mind by providing financial support when it is needed most, allowing you to focus on recovery rather than financial pressures. - read more
Understanding Insurance Exclusions in Professional Insurance Policies
Understanding Insurance Exclusions in Professional Insurance Policies
Insurance exclusions are provisions within an insurance policy that specify circumstances, events, activities or types of loss that are not covered by the insurer. Together with the policy wording, definitions, conditions and endorsements, exclusions help define the scope of cover provided under the policy. - read more
Public Liability Insurance for Professionals Explained
Public Liability Insurance for Professionals Explained
Public liability insurance for professionals can help cover claims that someone was injured or their property was damaged in connection with your business activities. This article explains what it may cover, what it usually does not cover, and how it differs from professional indemnity insurance. - read more

Knowledgebase
Surrender Value:
The amount of money an insurance policyholder will receive if they voluntarily terminate the policy before it matures.