Underinsurance occurs when you’ve taken out insufficient insurance to cover the replacement value of your property. Often, policy holders find…
Category: Commercial
The word on the street – The Lloyd’s market
Written by Paul Mulligan and Mathew Lethborg Insights into the market: Here at PNOinsurance, we continue our focus on building…
Do you have the right insurance to work from home?
Business operations have vastly changed since the onset of Covid-19. For some firms, having employees work from home was never…
Lloyd’s of London annual results – what it means for your business
Lloyd’s of London released their annual results for 2021 last Thursday, providing us with an important indicator of how the…
Should I allow my tenant to insure my building?
Insurance obligations under commercial lease agreements vary on a case-by-case basis. A common situation for clients is where a tenant…
The risks in taking your insurance offshore
All industries experience cycles of expansion and contraction, possibly none more so than the insurance market. There is no doubt…
Changes to OHS legislation: What businesses and company directors need to know
Currently in Victoria, businesses and company directors have the option to secure a Management Liability insurance policy which, amongst coverage…
Protecting your business against cyber crime
As advances in business technology have exploded exponentially across the last 10-20 years, so too has the sophistication of opportunistic…
How hospitality business owners can best manage their rising insurance premiums
Why are hospitality premiums increasing? Hospitality operators will have seen a steady rise in both property and liability premiums in…
The fine print of business interruption insurance and what hospitality business owners need to know
Repeated lock downs and restrictions to trade have brought a thriving hospitality industry to its knees. Government hand-outs are of…
The importance of business interruption insurance
As a business owner, you are your own risk manager. Your primary responsibility to your business and its employees is…