Running a professional services business means your reputation, advice, and expertise are some of your most valuable assets - and they deserve the right protection. Whether you’re a consultant, accountant, financial adviser, marketing agency, IT provider, or other service-based professional, the risks you face are often very different to those of a product-based business.
Professional services businesses can be exposed to professional indemnity and negligence claims, cyber incidents involving confidential client data, management liability exposures, contractual disputes, and public liability risks arising from day-to-day operations. Even a small allegation of incorrect advice, missed deadlines, or data breaches can result in significant financial and reputational impacts.
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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.
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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.
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Summer weather risks are intensifying, with increased heat, heavier rain, and stronger storm and fire conditions expected across Australia. This piece outlines the practical steps SMEs can take now to protect people, assets, supply chains, equipment, and operations, and to strengthen resilience & business continuity before extreme conditions peak.
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Cybercrime in Australia is on the rise. According to the Australian Cyber Security Centre’s annual threat report, more than 76,000 events were reported during the 2021–22 financial year, up 13 per cent from the previous financial year.
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Your business can change a lot in a year – expanding, shifting online, hiring staff, or upgrading equipment.
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Australia’s SMEs are navigating a complex environment in 2025. Economic volatility, regulatory complexity, and evolving security threats have created a perfect storm of pressures that test the resilience of even the most established businesses.
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Twelve months have elapsed since Australian businesses first grappled with the Right to Disconnect legislation. This August marked a significant expansion, with protections now extending to approximately 97% of SMEs, including those with fewer than 15 employees who previously operated outside its scope.
Across Australia, more businesses are operating without offices or in-house servers, choosing cloud-based platforms instead. Remote and flexible work has accelerated this switch for thousands of SMEs.
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 loyal base of customers and a protable enterprise can be.
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.
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With spring here, it’s the perfect moment to reset your business and build momentum for the year ahead.
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Claims farming – also known as claims harvesting - is on the rise in Australia. It’s a practice that can impact any business, often without warning.
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When you transfer ownership of your business, you’re not always eliminating your exposure to risks. Liabilities tied to past operations, employee claims or professional services can persist long after the sale is finalised.
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.
Running a professional services business – whether you're a lawyer, accountant, engineer or consultant – comes with opportunities, but also challenges and risks.
If your SME is using or planning to use electronic surveillance, this article outlines what you need to know to stay compliant. In retail, logistics, and professional services tracking staff can seem like a smart move to reduce theft, lift productivity, or manage off-site work. But is it?
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