[ { "post_id": "80", "post_category_id": "6", "post_title": "New Financial Year, New Risks - Is Your Coverage Ready For What’s Next?", "post_content_short": "There's something about the final stretch of the financial year that gets business owners thinking bigger. Maybe you've had a strong twelve\n\tmonths and you're ready to hire your first, or next employee. Maybe you've been eyeing off a new van, a better workshop, or that piece of\n\tequipment that'll finally let you take on bigger jobs. Maybe you're planning to launch into a new market, start importing stock, or open a\n\tsecond location.\n\n

\n\tWhatever's on your whiteboard for the year ahead - it's worth pausing to ask one question most business owners forget: does my insurance\n\tstill match the business I'm becoming?<\/em>\n\n
", "post_icon": "https:\/\/www.bics.net.au\/media\/website_posts\/80\/Blog-Images-(18).png", "post_content_type": "page", "post_content_url": "https:\/\/www.bics.net.au\/resources\/articles\/business-insurance\/new-financial-year-new-risks-is-your-coverage-ready-for-whats-next\/", "post_date": "2026-04-30 06:36:00" }, { "post_id": "79", "post_category_id": "6", "post_title": "Five Steps To Help Respond To A Cyber Attack", "post_content_short": "With cybercrime on the rise, it’s becoming a matter of when, not if, a business will be the victim of an attack. So it’s vital to have a\nwell-developed response plan ready to go in the event of a ransomware attack or other cybercrime.", "post_icon": "https:\/\/www.bics.net.au\/media\/website_posts\/79\/Blog-Images-(20).png", "post_content_type": "page", "post_content_url": "https:\/\/www.bics.net.au\/resources\/articles\/business-insurance\/five-steps-to-help-respond-to-a-cyber-attack\/", "post_date": "2026-03-26 22:43:00" }, { "post_id": "78", "post_category_id": "6", "post_title": "Should You Buy Your Business Premises?", "post_content_short": "Whether it’s a shop, office or factory, buying your business premises may be a way to build your asset base and create an income stream from\nthe rent. This can be an especially useful source of earnings when you retire. So what should you consider if you’re thinking of buying your\nbusiness premises?", "post_icon": "https:\/\/www.bics.net.au\/media\/website_posts\/78\/Blog-Images-(19).png", "post_content_type": "page", "post_content_url": "https:\/\/www.bics.net.au\/resources\/articles\/business-insurance\/should-you-buy-your-business-premises\/", "post_date": "2026-03-26 08:05:00" }, { "post_id": "76", "post_category_id": "6", "post_title": "The Top Three Small Business Risks And How To Mitigate Them", "post_content_short": "A growing business is something to be proud of - but succession gaps, key person dependency, and cash flow shocks can undo years of\nhard work faster than you'd think.", "post_icon": "https:\/\/www.bics.net.au\/media\/website_posts\/76\/Blog-Images-(17).png", "post_content_type": "page", "post_content_url": "https:\/\/www.bics.net.au\/resources\/articles\/business-insurance\/the-top-three-small-business-risks-and-how-to-mitigate-them\/", "post_date": "2026-03-02 07:04:00" }, { "post_id": "73", "post_category_id": "6", "post_title": "Insuring Against Business Email Compromise", "post_content_short": "Business email compromise is now one of the most common cyber losses facing Aussie SMEs. This article walks through how a typical email scam\nunfolds inside everyday payment routines, where money and time are lost, and why it often bypasses basic controls.", "post_icon": "https:\/\/www.bics.net.au\/media\/website_posts\/73\/Blog-Images-(14).png", "post_content_type": "page", "post_content_url": "https:\/\/www.bics.net.au\/resources\/articles\/business-insurance\/insuring-against-business-email-compromise\/", "post_date": "2026-01-22 07:36:00" }, { "post_id": "72", "post_category_id": "6", "post_title": "Why Are My Premiums So High?", "post_content_short": "SME insurance costs are shaped by more than base risk, with state taxes, emergency service levies, location, construction, and claims\nhistory all adding pressure. This guide breaks down what drives your premium and shows the practical choices you can influence to improve\nvalue and structure cover. Ensure every dollar works harder for your business.", "post_icon": "https:\/\/www.bics.net.au\/media\/website_posts\/72\/Blog-Images-(13).png", "post_content_type": "page", "post_content_url": "https:\/\/www.bics.net.au\/resources\/articles\/business-insurance\/why-are-my-premiums-so-high\/", "post_date": "2026-01-22 07:35:00" }, { "post_id": "68", "post_category_id": "6", "post_title": "Critical 2026 Insurance Trends Every SME Must Watch", "post_content_short": "2026 brings a tougher insurance environment as claims inflation, catastrophe losses, and cyber enforcement all intensify. This article\nunpacks the key SME trends in affordability, availability, and resilience, and offers clear steps to review limits, update wordings, test\ncontinuity plans, and sharpen everyday risk controls across the business today.", "post_icon": "https:\/\/www.bics.net.au\/media\/website_posts\/68\/Blog-Images-(8).png", "post_content_type": "page", "post_content_url": "https:\/\/www.bics.net.au\/resources\/articles\/business-insurance\/critical-2026-insurance-trends-every-sme-must-watch\/", "post_date": "2025-12-18 01:27:00" }, { "post_id": "67", "post_category_id": "6", "post_title": "Tools & Tips to Handle Summer Weather Risks Effectively", "post_content_short": "Summer weather risks are intensifying, with increased heat, heavier rain, and stronger storm and fire conditions expected across Australia.\nThis piece outlines the practical steps SMEs can take now to protect people, assets, supply chains, equipment, and operations, and to\nstrengthen resilience & business continuity before extreme conditions peak.", "post_icon": "https:\/\/www.bics.net.au\/media\/website_posts\/67\/Blog-Images-(7).png", "post_content_type": "page", "post_content_url": "https:\/\/www.bics.net.au\/resources\/articles\/business-insurance\/tools-and-tips-to-handle-summer-weather-risks-effectively\/", "post_date": "2025-12-18 01:05:00" }, { "post_id": "66", "post_category_id": "6", "post_title": "Don’t Let Business Blind Spots Catch Your SME Off Guard", "post_content_short": "For Australian SMEs, the biggest threats aren’t always the ones making headlines. Inflation and cyber-attacks grab attention, but it’s the\n\tunseen risks that can do the most damage.\n", "post_icon": "https:\/\/www.bics.net.au\/media\/website_posts\/66\/Blog-Images-(4).png", "post_content_type": "page", "post_content_url": "https:\/\/www.bics.net.au\/resources\/articles\/business-insurance\/dont-let-business-blind-spots-catch-your-sme-off-guard\/", "post_date": "2025-11-27 01:39:00" }, { "post_id": "63", "post_category_id": "6", "post_title": "The Annual Risk Health Check: Why Every SME Needs It", "post_content_short": "Your business can change a lot in a year – expanding, shifting online, hiring staff, or upgrading equipment.", "post_icon": "https:\/\/www.bics.net.au\/media\/website_posts\/63\/Blog-Images-(27).png", "post_content_type": "page", "post_content_url": "https:\/\/www.bics.net.au\/resources\/articles\/business-insurance\/the-annual-risk-health-check-why-every-sme-needs-it\/", "post_date": "2025-10-27 06:57:00" }, { "post_id": "61", "post_category_id": "6", "post_title": "Top 10 Challenges Facing Small and Medium Businesses in 2025", "post_content_short": "Australia’s SMEs are navigating a complex environment in 2025. Economic volatility, regulatory complexity, and evolving security threats\nhave created a perfect storm of pressures that test the resilience of even the most established businesses. ", "post_icon": "https:\/\/www.bics.net.au\/media\/website_posts\/61\/Blog-Images-(23).png", "post_content_type": "page", "post_content_url": "https:\/\/www.bics.net.au\/resources\/articles\/business-insurance\/top-10-challenges-facing-small-and-medium-businesses-in-2025\/", "post_date": "2025-10-21 14:00:00" }, { "post_id": "62", "post_category_id": "6", "post_title": "Right to Disconnect: Employee Wellbeing vs. Operational Readiness", "post_content_short": "Twelve months have elapsed since Australian businesses first grappled with the Right\nto Disconnect legislation<\/a>.\nThis August marked a significant expansion, with protections now extending to approximately 97% of SMEs, including those with fewer than 15\nemployees who previously operated outside its scope.", "post_icon": "https:\/\/www.bics.net.au\/media\/website_posts\/62\/Blog-Images-(25).png", "post_content_type": "page", "post_content_url": "https:\/\/www.bics.net.au\/resources\/articles\/business-insurance\/right-to-disconnect-employee-wellbeing-vs-operational-readiness\/", "post_date": "2025-10-14 14:00:00" }, { "post_id": "58", "post_category_id": "6", "post_title": "No Office, No Servers—No Insurance? Think Again", "post_content_short": "Across Australia, more businesses are operating without offices or in-house servers, choosing cloud-based platforms instead. Remote and\nflexible work has accelerated this switch for thousands of SMEs.", "post_icon": "https:\/\/www.bics.net.au\/media\/website_posts\/58\/cyber-3.png", "post_content_type": "page", "post_content_url": "https:\/\/www.bics.net.au\/resources\/articles\/business-insurance\/no-office-no-servers-no-insurance-think-again\/", "post_date": "2025-09-24 06:08:00" }, { "post_id": "41", "post_category_id": "3", "post_title": "Small business lessons from the experts", "post_content_short": "Running a small business involves navigating various challenges and risks. Steadfast’s Broker Technical Manager, Michael White, shares his\ntop five tips to help small business owners avoid many of the most common insurance pitfalls.", "post_icon": "https:\/\/www.bics.net.au\/media\/website_posts\/41\/Blog-Images-(5).png", "post_content_type": "page", "post_content_url": "https:\/\/www.bics.net.au\/resources\/articles\/small-business-lessons-from-the-experts\/", "post_date": "2025-07-08 07:30:00" }, { "post_id": "42", "post_category_id": "3", "post_title": "What’s Legal, What’s Risky, and What’s Insurable?", "post_content_short": "If your SME is using or planning to use electronic surveillance, this article outlines what you need to know to stay compliant. In retail,\nlogistics, and professional services tracking staff can seem like a smart move to reduce theft, lift productivity, or manage off-site work.\nBut is it?", "post_icon": "https:\/\/www.bics.net.au\/media\/website_posts\/42\/surveillance.png", "post_content_type": "page", "post_content_url": "https:\/\/www.bics.net.au\/resources\/articles\/whats-legal-whats-risky-and-whats-insurable\/", "post_date": "2025-06-30 14:00:00" }, { "post_id": "40", "post_category_id": "3", "post_title": "SMEs Expect More Than A Renewal Reminder From Their Broker or Adviser", "post_content_short": "Australians now expect the same level of digital ease from their insurer as they do from Uber or the ATO. In fact, three in five SMEs say\nspeed, simplicity, and clear communication matter most throughout the insurance experience. ", "post_icon": "https:\/\/www.bics.net.au\/media\/website_posts\/40\/Blog-Images-(1).png", "post_content_type": "page", "post_content_url": "https:\/\/www.bics.net.au\/resources\/articles\/smes-expect-more-than-a-renewal-reminder-from-their-broker-or-adviser\/", "post_date": "2025-06-24 06:26:00" }, { "post_id": "43", "post_category_id": "3", "post_title": "Protecting Your SME from Real-World Risk Events", "post_content_short": "Running a small or mid-sized business in Australia means juggling costs, staffing, and cash flow. All that is before unexpected challenges\n\tarise. Whether it’s a natural disaster, a sudden transport incident, or a cyberattack, a single unforeseen event can disrupt your entire\n\toperation.\n", "post_icon": "https:\/\/www.bics.net.au\/media\/website_posts\/43\/Blog-Images-(7).png", "post_content_type": "page", "post_content_url": "https:\/\/www.bics.net.au\/resources\/articles\/protecting-your-sme-from-real-world-risk-events\/", "post_date": "2025-06-22 14:00:00" }, { "post_id": "39", "post_category_id": "3", "post_title": "Bots, Breaches and Business: Cyber Risks for SMEs Evolve", "post_content_short": "Cyber threats are evolving faster than most businesses can keep up, and Australian SMEs are now in the crosshairs. With bots, artificial\n\tintelligence-driven attacks, and regulatory changes hitting all at once, it’s a smart time to ask: Is your cyber coverage still fit for\n\tpurpose? \n", "post_icon": "https:\/\/www.bics.net.au\/media\/website_posts\/39\/bot.png", "post_content_type": "page", "post_content_url": "https:\/\/www.bics.net.au\/resources\/articles\/bots-breaches-and-business-cyber-risks-for-smes-evolve\/", "post_date": "2025-05-27 06:09:00" }, { "post_id": "35", "post_category_id": "3", "post_title": "Who's Involved in an Insurance Claim?", "post_content_short": "For small business owners, dealing with an insurance claim can be a bewildering experience, especially if you have never had to make a claim\nbefore. So, it pays to know who does what when it’s time to ring your broker to let them know you’ve had an insurable event.", "post_icon": "https:\/\/www.bics.net.au\/media\/website_posts\/35\/blog-jan-1.png", "post_content_type": "page", "post_content_url": "https:\/\/www.bics.net.au\/resources\/articles\/whos-involved-in-an-insurance-claim\/", "post_date": "2025-02-10 06:02:00" }, { "post_id": "36", "post_category_id": "3", "post_title": "Succession planning for your small business", "post_content_short": "Running your own show is a busy business. When you’re hard at it dealing with challenges in the here and now, it’s all too easy for future\nplanning to take a backseat. That’s part of the reason why thousands of small businesses don’t have a succession plan in place.", "post_icon": "https:\/\/www.bics.net.au\/media\/website_posts\/36\/blog-jan-2.png", "post_content_type": "page", "post_content_url": "https:\/\/www.bics.net.au\/resources\/articles\/succession-planning-for-your-small-business\/", "post_date": "2025-02-03 06:24:00" }, { "post_id": "37", "post_category_id": "3", "post_title": "How to refresh your small business’s web site", "post_content_short": "These days, ‘keeping up a good shopfront’ doesn’t just mean ensuring your bricks and mortar premises are in apple pie order. Having a web\nsite that’s fresh, informative, user friendly, easy to locate and lightning fast is every bit as important, if not more so.", "post_icon": "https:\/\/www.bics.net.au\/media\/website_posts\/37\/blog-feb-1.png", "post_content_type": "page", "post_content_url": "https:\/\/www.bics.net.au\/resources\/articles\/how-to-refresh-your-small-businesss-web-site\/", "post_date": "2025-01-13 06:40:00" }, { "post_id": "34", "post_category_id": "3", "post_title": "Your small business insurance checklist", "post_content_short": "Here are five steps to help you ensure you have the optimum cover in place in 2025.", "post_icon": "https:\/\/www.bics.net.au\/media\/website_posts\/34\/blog-dec-2.png", "post_content_type": "page", "post_content_url": "https:\/\/www.bics.net.au\/resources\/articles\/your-small-business-insurance-checklist\/", "post_date": "2025-01-01 05:52:00" }, { "post_id": "30", "post_category_id": "3", "post_title": "Dealing with a natural disaster: A small business how to guide", "post_content_short": "Bushfire, cyclone, flood – Australia is no stranger to natural disasters.", "post_icon": "https:\/\/www.bics.net.au\/media\/website_posts\/30\/flood.png", "post_content_type": "page", "post_content_url": "https:\/\/www.bics.net.au\/resources\/articles\/dealing-with-a-natural-disaster-a-small-business-how-to-guide\/", "post_date": "2024-11-01 02:49:00" }, { "post_id": "29", "post_category_id": "3", "post_title": "How to find out if your small business is underinsured", "post_content_short": "You may be paying for insurance, but if you’re underinsured, you could be taking a big risk.", "post_icon": "https:\/\/www.bics.net.au\/media\/website_posts\/29\/Blog-Images.png", "post_content_type": "page", "post_content_url": "https:\/\/www.bics.net.au\/resources\/articles\/how-to-find-out-if-your-small-business-is-underinsured\/", "post_date": "2024-10-25 01:37:00" }, { "post_id": "28", "post_category_id": "3", "post_title": "Five ways to help mitigate small business risks", "post_content_short": "As a small business owner, you don’t need to be told that running an enterprise has its fair share of risks. Learning to deal with them\neffectively is critical, if yours is to prosper and grow.", "post_icon": "https:\/\/www.bics.net.au\/media\/website_posts\/28\/painter.png", "post_content_type": "page", "post_content_url": "https:\/\/www.bics.net.au\/resources\/articles\/five-ways-to-help-mitigate-small-business-risks\/", "post_date": "2024-10-07 01:22:00" } ]