The Top Three Small Business Risks And How To Mitigate Them
A growing business is something to be proud of - but succession gaps, key person dependency, and cash flow shocks can undo years of hard work faster than you'd think.
Your business deserves protection as unique as your vision. That's why our team is passionate about helping you make smart decisions that safeguard your future.
Dive into our latest collection of risk management insights, handpicked by our experts who understand the challenges you face every day. These articles and case studies aren't just information; they're your roadmap to finding insurance coverage that truly fits your needs and gives you peace of mind.
We are here to support you, so if you have any questions please don't hesitate to reach out for a chat: 1300
268 371
A growing business is something to be proud of - but succession gaps, key person dependency, and cash flow shocks can undo years of hard work faster than you'd think.
.png)
A growing business is something to be proud of - but succession gaps, key person dependency, and cash flow shocks can undo years of hard work faster than you'd think.
.png)
Taking on an apprentice is a smart investment in your business's future — but with younger, less experienced workers comes a higher risk of workplace injury, and making sure you have the right cover in place is essential.
.png)
When your team comes to work unwell, it might feel like dedication — but presenteeism could be costing your business far more than a sick day ever would.
.png)
Business email compromise is now one of the most common cyber losses facing Aussie SMEs. This article walks through how a typical email scam unfolds inside everyday payment routines, where money and time are lost, and why it often bypasses basic controls.
.png)
SME insurance costs are shaped by more than base risk, with state taxes, emergency service levies, location, construction, and claims history all adding pressure. This guide breaks down what drives your premium and shows the practical choices you can influence to improve value and structure cover. Ensure every dollar works harder for your business.
.png)
Tradies may be the lifeblood of your business, but are you protecting them against the risk and hazards in your workplace? Find out more about how you can better protect them and your operations.
.png)
In the 2020s, pandemics, cyberattacks, extreme weather and supply chain shocks all collide. We explain how to use a ‘grey rhino’ lens to update your risk plan and business insurance for the decade ahead.
.png)
Seasonal surges put year-round systems under strain as stock volumes rise equipment runs hotter and temporary staff join quickly. This article outlines how spoilage protection safe staffing liability settings and practical continuity planning can reduce loss, support stable trading, and help your business manage pressure when demand intensifies.
.png)
2026 brings a tougher insurance environment as claims inflation, catastrophe losses, and cyber enforcement all intensify. This article unpacks the key SME trends in affordability, availability, and resilience, and offers clear steps to review limits, update wordings, test continuity plans, and sharpen everyday risk controls across the business today.
Business
Insurance Cover Services Pty Ltd ABN 46 600 141 473 (CAR No 467164) & Aaron Macdonald (AR No 340392)
Authorised Representative of Community Broker Network Pty Ltd | AFSL 233750 | ACN 096 916 184
Our Services |
Financial
Services Guide (FSG)
| Privacy
Policy
| Complaints
& Disputes Handling Policy
Code
of Practice | Family
Violence and Vulnerable Customer Policy
Community Broker Network (CBN) are members of NIBA and as an Authorised Representative of CBN, we subscribe to the Insurance Brokers Code of Practice. The code is a statement of the industry’s commitment to high levels or competency, training and customer service. It also ensures that there is a free and transparent complaints and compliance review process which imposes binding sanctions for any breach of the Code. It is designed to promote better and more professional, informed and effective relationships between insurance brokers and their customers. To view a copy of the Code, click here.