Auswide Insurance Brokers

  Builders need liability insurance to protect themselves and their businesses from the financial risks associated with accidents, injuries, and property damage that can occur during construction work. Liability insurance, including public liability and employers' liability insurance, helps cover the costs of compensation claims, legal fees, and damages if a third party such as a client, visitor, or employee suffers injury or property damage due to the builder's work. It also safeguards builders against claims from clients who allege receiving incorrect advice or negligent service, through professional indemnity insurance . Legal and Financial Protection Builders are legally required to have employers' liability insurance if they employ workers, protecting against compensation claims related to work injuries. Public liability insurance, although not always mandatory, is strongly recommended because construction sites inherently involve risks to both workers and the public....

  Small businesses work hard for every dollar, so the last thing owners need is to waste time or overpay when getting insurance quotes. Auswide Insurance Brokers is dedicated to making the process simple, transparent, and genuinely helpful for small businesses that deserve more. Common Hassles with Insurance Quotes Many small business owners cite the process of getting insurance quotes as confusing and frustrating. They often run into complex forms, minimum premiums that feel unfair, and long waits for responses from insurers. For solo consultants or startups, facing a required minimum premium of $500–$1,000 just to get started can feel overwhelming. Time-consuming comparisons between providers mean business owners either settle or feel stuck at renewal time, diverting focus away from running their business. Why Small Businesses Get Overlooked Smaller businesses pay higher premiums and sometimes end up with insurance that isn’t tailored to their needs because many brokers lack exp...

  Home Warranty Insurance is an essential safeguard for homeowners in New South Wales , ensuring protection against financial loss due to incomplete or defective residential building work. If you're embarking on a building project valued at over $20,000 in NSW, understanding Home Warranty Insurance—formally known as the Home Building Compensation Fund (HBCF)—will help you secure your investment and peace of mind. What is Home Warranty Insurance (HBCF)? Home Warranty Insurance (HBCF) is a mandatory safety net for homeowners in NSW. It provides cover if the builder or tradesperson is unable to complete the work due to insolvency, death, disappearance, or licence suspension, or if you’re unable to recover costs for defective work . This insurance must be obtained and evidenced before any residential building work starts or any project payments, including deposits, are made. Who Needs Home Warranty Insurance? Licensed builders and tradespeople undertaking projects over $20,000 in NSW ...

  In the construction industry, every project comes with its fair share of risks. Whether it’s a residential renovation or a large-scale commercial build, unforeseen accidents and property damage can happen in the blink of an eye. For builders, Public Liability Insurance isn’t just a box to tick—it’s a vital layer of protection that keeps your business secure when the unexpected strikes. What Is Public Liability Insurance? Public Liability Insurance is designed to protect builders and tradespeople against the financial impact of claims made by third parties. This includes compensation for injury or property damage that occurs as a result of your business activities. For example: A visitor trips over building materials on your site and suffers an injury. A subcontractor accidentally damages a client’s existing property while working. A member of the public is hurt by falling debris near your construction zone. Without adequate insurance, these incidents could lead to expensive lega...

  Small businesses deserve more than a complicated insurance quoting process—they deserve speed, simplicity, and true support. Navigating insurance quotes shouldn’t distract you from growing your business, and Auswide Brokers Insurance is flipping the script with an approach built around small business needs. Why Insurance Is a Must Every small business owner faces challenges like rising costs, long hours, cash flow pressures, and talent shortages. Nearly 46% of small businesses now cite inflation as their top challenge, making risk management even more crucial. Insurance is essential protection against financial shocks, shielding cash flow in case of shutdowns and protecting both business and personal assets during lawsuits or disasters. Common Quoting Headaches Owners often struggle with “minimum premium” sticker shock—many find themselves paying $1,000 or more a year even for basic coverage. Detailed applications force business owners to predict things like revenue, which can be...

  When beginning a new construction or renovation project, there’s a critical—but often overlooked—feature builders need to get right: insurance cover for existing structures . Navigating this part of your insurance can make a substantial difference to your risk exposure and help ensure projects run smoothly, even if things go wrong. What Are Existing Structures? Existing structures refer to any buildings or other permanent fixtures already on a project site before a single tool is lifted for construction. Unlike new builds, these structures are often at risk during the works, and their protection requires careful consideration within your insurance planning. Who Is Responsible For Insurance? Typically, it is the property owner’s responsibility to insure their assets. However, building contracts occasionally assign this responsibility to the builder during the construction period. To avoid future disputes, both parties should clarify—and document—who will maintain insurance cover f...

  When beginning a new construction or renovation project, there’s a critical—but often overlooked—feature builders need to get right: insurance cover for existing structures . Navigating this part of your insurance can make a substantial difference to your risk exposure and help ensure projects run smoothly, even if things go wrong. What Are Existing Structures? Existing structures refer to any buildings or other permanent fixtures already on a project site before a single tool is lifted for construction. Unlike new builds, these structures are often at risk during the works, and their protection requires careful consideration within your insurance planning. Who Is Responsible For Insurance? Typically, it is the property owner’s responsibility to insure their assets. However, building contracts occasionally assign this responsibility to the builder during the construction period. To avoid future disputes, both parties should clarify—and document—who will maintain insurance cover f...