[ { "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. Whatever's on your whiteboard for\nthe year ahead - it's worth pausing to ask one question most business owners forget: does my insurance still match the business I'm\nbecoming?<\/em>\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": "74", "post_category_id": "6", "post_title": "The Dangers Of Soldiering On In The Workplace", "post_content_short": "When your team comes to work unwell, it might feel like dedication — but presenteeism could be costing your business far more than a sick\nday ever would.", "post_icon": "https:\/\/www.bics.net.au\/media\/website_posts\/74\/Blog-Images-(15).png", "post_content_type": "page", "post_content_url": "https:\/\/www.bics.net.au\/resources\/articles\/business-insurance\/the-dangers-of-soldiering-on-in-the-workplace\/", "post_date": "2026-03-02 05:52:00" }, { "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": "77", "post_category_id": "6", "post_title": "Five Ways To Help Protect Yourself And Your Business From A Cyber Attack", "post_content_short": "Cybercrime in Australia is on the rise. According to the Australian Cyber Security Centre’s annual threat report, more than 76,000 events\nwere reported during the 2021–22 financial year, up 13 per cent from the previous financial year.", "post_icon": "https:\/\/www.bics.net.au\/media\/website_posts\/77\/Blog-Images-(18).png", "post_content_type": "page", "post_content_url": "https:\/\/www.bics.net.au\/resources\/articles\/business-insurance\/five-ways-to-help-protect-yourself-and-your-business-from-a-cyber-attack\/", "post_date": "2025-11-25 07:20:00" }, { "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": "54", "post_category_id": "6", "post_title": "Insurance for hairdressing and beauty services businesses", "post_content_short": "Australia is home to more than 25,000 hairdressing and beauty services businesses. If yours is among them, you’ll know how tough building a\nloyal base of customers and a protable enterprise can be.", "post_icon": "https:\/\/www.bics.net.au\/media\/website_posts\/54\/Blog-Images.png", "post_content_type": "page", "post_content_url": "https:\/\/www.bics.net.au\/resources\/articles\/insurance-for-hairdressing-and-beauty-services-businesses\/", "post_date": "2025-09-16 14:00:00" }, { "post_id": "53", "post_category_id": "6", "post_title": "Making sure your real estate business is properly insured", "post_content_short": "Australia is home to more than 46,000 real estate businesses. If yours is among them, you’ll know how tough working in and around the property industry can be.", "post_icon": "https:\/\/www.bics.net.au\/media\/website_posts\/53\/013A1185-2.jpg", "post_content_type": "page", "post_content_url": "https:\/\/www.bics.net.au\/resources\/articles\/making-sure-your-real-estate-business-is-properly-insured\/", "post_date": "2025-09-05 09:07:00" }, { "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": "46", "post_category_id": "5", "post_title": "Case Study: How Proper Insurance Coverage Saved Petrie Real Estate After a Devastating Fire", "post_content_short": "When fire tore through a commercial complex in May 2024, one real estate business owner watched her world stop. But while neighbouring businesses struggled without proper coverage, Petrie Real Estate had a different story. ", "post_icon": "https:\/\/www.bics.net.au\/media\/website_posts\/46\/Petrie-1.jpg", "post_content_type": "page", "post_content_url": "https:\/\/www.bics.net.au\/resources\/case-studies\/case-study-how-proper-insurance-coverage-saved-petrie-real-estate-after-a-devastating-fire\/", "post_date": "2025-08-06 06:33:00" }, { "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": "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" } ]