[ { "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": "75", "post_category_id": "6", "post_title": "What Are The Insurance Considerations When Businesses Take On Apprentices?", "post_content_short": "Taking on an apprentice is a smart investment in your business's future — but with younger, less experienced workers comes a higher risk of\nworkplace injury, and making sure you have the right cover in place is essential.", "post_icon": "https:\/\/www.bics.net.au\/media\/website_posts\/75\/Blog-Images-(16).png", "post_content_type": "page", "post_content_url": "https:\/\/www.bics.net.au\/resources\/articles\/business-insurance\/what-are-the-insurance-considerations-when-businesses-take-on-apprentices\/", "post_date": "2026-03-02 06:44:00" }, { "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": "55", "post_category_id": "3", "post_title": "Staying on top of Same Job, Same Pay laws", "post_content_short": "In force since November 2024, the federal government’s Same Job Same Pay legislation applies predominantly in situations where labour hire workers perform the same duties as directly employed staff, ensuring they receive equivalent pay.", "post_icon": "https:\/\/www.bics.net.au\/media\/website_posts\/55\/Blog-Images-(18).png", "post_content_type": "page", "post_content_url": "https:\/\/www.bics.net.au\/resources\/articles\/staying-on-top-of-same-job-same-pay-laws\/", "post_date": "2025-09-23 14:00:00" }, { "post_id": "57", "post_category_id": "3", "post_title": "Renting Out Your Commercial Space? Know Your Risks", "post_content_short": "Leasing your property can be a great way to generate steady income, but many landlords underestimate the risks that come with it. Spotting\nthose early makes it easier to protect both your building and your cash flow.", "post_icon": "https:\/\/www.bics.net.au\/media\/website_posts\/57\/Blog-Images-(20).png", "post_content_type": "page", "post_content_url": "https:\/\/www.bics.net.au\/resources\/articles\/renting-out-your-commercial-space-know-your-risks\/", "post_date": "2025-09-10 06:59:00" }, { "post_id": "56", "post_category_id": "3", "post_title": "Your Business Success Starts with Spring Cleaning Strategies", "post_content_short": "With spring here, it’s the perfect moment to reset your business and build momentum for the year ahead.", "post_icon": "https:\/\/www.bics.net.au\/media\/website_posts\/56\/Blog-Images-(19).png", "post_content_type": "page", "post_content_url": "https:\/\/www.bics.net.au\/resources\/articles\/your-business-success-starts-with-spring-cleaning-strategies\/", "post_date": "2025-08-31 14:00:00" }, { "post_id": "50", "post_category_id": "3", "post_title": "Beware of Claims Farming", "post_content_short": "Claims farming – also known as claims harvesting - is on the rise in Australia. It’s a practice that can impact any business, often without\nwarning.", "post_icon": "https:\/\/www.bics.net.au\/media\/website_posts\/50\/Blog-Images-(14).png", "post_content_type": "page", "post_content_url": "https:\/\/www.bics.net.au\/resources\/articles\/beware-of-claims-farming\/", "post_date": "2025-08-27 14:00:00" }, { "post_id": "52", "post_category_id": "3", "post_title": "Selling your business: Insurance implications", "post_content_short": "When you transfer ownership of your business, you’re not always eliminating your exposure to risks. Liabilities tied to past operations,\nemployee claims or professional services can persist long after the sale is finalised.", "post_icon": "https:\/\/www.bics.net.au\/media\/website_posts\/52\/Blog-Images-(17).png", "post_content_type": "page", "post_content_url": "https:\/\/www.bics.net.au\/resources\/case-studies\/selling-your-business-insurance-implications\/", "post_date": "2025-08-21 02:55:00" }, { "post_id": "51", "post_category_id": "3", "post_title": "The Risks of EVs in Business Use", "post_content_short": "Electric vehicles (EVs) are no longer niche but an increasingly larger part of how businesses move, deliver, and operate. But they also\nraise new insurance questions—especially around lithium batteries, workplace charging, and transport risks that may not be covered by\nstandard policies.", "post_icon": "https:\/\/www.bics.net.au\/media\/website_posts\/51\/Blog-Images-(15).png", "post_content_type": "page", "post_content_url": "https:\/\/www.bics.net.au\/resources\/articles\/the-risks-of-evs-in-business-use\/", "post_date": "2025-08-18 06:06:38" }, { "post_id": "49", "post_category_id": "3", "post_title": "Underinsurance in Property: A Growing Concern", "post_content_short": "Australian businesses are feeling the squeeze of rising insurance premiums, building costs, and extreme weather—but a more silent threat is\ngrowing: underinsurance.", "post_icon": "https:\/\/www.bics.net.au\/media\/website_posts\/49\/Blog-Images-(13).png", "post_content_type": "page", "post_content_url": "https:\/\/www.bics.net.au\/resources\/articles\/underinsurance-in-property-a-growing-concern\/", "post_date": "2025-08-13 14:00:00" }, { "post_id": "47", "post_category_id": "3", "post_title": "Insurance industry guide: landscape gardeners and tree loppers", "post_content_short": "Aussies love a backyard, so it’s no surprise landscape gardeners are thriving. A number of dierent business models operate across the\nsector, including sole traders and proprietary limited companies and insurance diers across these options.", "post_icon": "https:\/\/www.bics.net.au\/media\/website_posts\/47\/landscaper.png", "post_content_type": "page", "post_content_url": "https:\/\/www.bics.net.au\/resources\/articles\/insurance-industry-guide-landscape-gardeners-and-tree-loppers\/", "post_date": "2025-08-08 00:00:00" }, { "post_id": "48", "post_category_id": "3", "post_title": "Protecting Your Business in the Digital Age", "post_content_short": "AI’s rise brings hidden risks. Cybercriminals are using the same technology to launch smarter scams. In Australia, 82.6% of recent phishing\nattempts involved AI, with phishing emails jumping 17.3% in six months.", "post_icon": "https:\/\/www.bics.net.au\/media\/website_posts\/48\/Cyber.png", "post_content_type": "page", "post_content_url": "https:\/\/www.bics.net.au\/resources\/articles\/protecting-your-business-in-the-digital-age\/", "post_date": "2025-07-31 14:00:00" }, { "post_id": "45", "post_category_id": "3", "post_title": "Insurance for your professional services business", "post_content_short": "Running a professional services business – whether you're a lawyer, accountant, engineer or consultant – comes with opportunities, but\nalso challenges and risks.", "post_icon": "https:\/\/www.bics.net.au\/media\/website_posts\/45\/Blog-Images-6.png", "post_content_type": "page", "post_content_url": "https:\/\/www.bics.net.au\/resources\/articles\/insurance-for-your-professional-services-business\/", "post_date": "2025-07-30 21:00:00" }, { "post_id": "44", "post_category_id": "3", "post_title": "Is Your Roof Maintenance Up to Scratch? How to Go About It", "post_content_short": "In Australia, it’s not simply the age of your roof that determines whether your insurance claim will be paid. What matters more is the cause\n\tof the damage—was it due to a lack of maintenance or the result of a storm?\n", "post_icon": "https:\/\/www.bics.net.au\/media\/website_posts\/44\/Blog-Images-(9).png", "post_content_type": "page", "post_content_url": "https:\/\/www.bics.net.au\/resources\/articles\/is-your-roof-maintenance-up-to-scratch-how-to-go-about-it\/", "post_date": "2025-07-14 06:01:12" }, { "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 07:30:58" }, { "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 06:26:27" }, { "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": "38", "post_category_id": "3", "post_title": "How to avoid being scammed", "post_content_short": "Knowing what scams are out there and what you can do to help prevent them can be crucial for safeguarding your business. Here are some of\nthe most common scams and their tactics, to help protect you and your business.", "post_icon": "https:\/\/www.bics.net.au\/media\/website_posts\/38\/scam.png", "post_content_type": "page", "post_content_url": "https:\/\/www.bics.net.au\/resources\/articles\/how-to-avoid-being-scammed\/", "post_date": "2025-03-10 05:57:00" }, { "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": "33", "post_category_id": "3", "post_title": "Get ready to open your new business", "post_content_short": "Starting a company that’s ready to grow without burning you out begins with having the right vision, operational plan and systems.", "post_icon": "https:\/\/www.bics.net.au\/media\/website_posts\/33\/blog-dec-1.png", "post_content_type": "page", "post_content_url": "https:\/\/www.bics.net.au\/resources\/articles\/get-ready-to-open-your-new-business-in-2025\/", "post_date": "2024-12-30 05:40:00" } ]