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Fresh insurance industry attention on theft from vehicles, job sites and storage areas is a timely reminder for Australian home service operators: tools are not just equipment, they are the business. When a cleaner, gardener, handyman, mobile technician or domestic maintenance provider loses essential gear, the financial hit can extend well beyond the replacement cost. - read more
The latest small business insurance market commentary has again highlighted a familiar tension for Australian operators: premiums and business costs are under pressure, but the risks facing small enterprises are not standing still. For home service providers, that makes insurance review work more than an annual administration task. - read more
Fresh insurance industry attention on disaster resilience is a timely reminder that severe weather is not only a household issue. For Australian home service operators, storms, floods, bushfires and extended power outages can interrupt work quickly, even when the business itself is small, mobile or run from home. - read more
A fresh industry risk update has again placed cyber incidents among the major threats facing businesses, reinforcing that digital exposure is no longer only a concern for large companies or technology firms. For Australian home service operators, the message is practical: the same systems that make a small business more efficient can also create new insurance and continuity risks. - read more
Fresh industry code reporting has put claims conduct back under the microscope, with continuing attention on how general insurers communicate, explain decisions and respond when customers need help most. For domestic and home service businesses, the development is more than a compliance story. It is a reminder that insurance is not just about having a certificate on file; it is about whether the cover, records and expectations are strong enough when a claim is lodged. - read more
The domestic service industry in Australia has been growing steadily, with an increasing number of businesses offering services ranging from plumbing and electrical work to cleaning and landscaping. This diverse sector provides essential support to households across the nation, contributing significantly to the economy. - read more
Home services businesses often rely on portable tools, equipment, devices and supplies to operate at clients' properties. This guide explains how tools and equipment insurance may help protect those business assets, what to check in a policy and how to reduce common claim issues. - read more
Public liability insurance plays a crucial role for any business operating within the home and domestic services sector in Australia. This type of insurance is designed to cover you in instances where your business activities have caused property damage or personal injury to a third party. Given the nature of home services, where professionals enter clients' homes and interact directly with them and their property, it becomes even more critical. - read more
Insurance premiums for home services businesses can vary widely depending on the type of work performed, business size, claims history, cover limits, equipment values, staff, subcontractors and other risk factors. - read more
Hiring employees, casual workers or subcontractors can change the insurance responsibilities of a home services business. This guide explains key workers compensation and subcontractor insurance considerations for Australian operators. - read more
Knowledgebase
Deductible: The amount you must pay out-of-pocket for expenses before your insurance company covers the remaining costs.
