Noah Leighton Insurance Broker

Given the vast size of Australia, it should come as no surprise that we rely on trucks to transport goods . In fact, approximately 75% of freight in Australia is transported on the road which just goes to show how important trucks are to the economy. As a truck driver, you face a number of risks on the road which is why it’s so important that you have the right insurance in place so you’re protected. Let’s take a look at just some of the reasons why truck insurance is essential. Protects your investment When you’re on the road as a truck driver day in day out, you face a number of risks and your truck is a big financial investment which is worth protecting. With heavy motor insurance, you can be confident that you’re covered financially if something happens to your truck. This policy will cover a range of risk scenarios that you face every day on the road and it can provide cover for damage and loss to your vehicle. Covers the goods being transported It’s not just your truck you n...

It’s no secret that Australians love to eat out and a restaurant can be a smart business venture. However, every type of business faces risks and your restaurant and café is no exception, no matter how smoothly it runs. As experts in restaurant insurance, we’re familiar the unique risks that you face as a restaurant or café owner . With that in mind, we’re here to explore some of these risks so you’re better equipped to protect your business (with a little help from the right insurance). 1. Slips and falls When you run a restaurant or café with people coming and going, it’s understandable that you’re at a higher risk of slips and falls occurring on the premises. This doesn’t just apply to customers – your staff are at risk too! Make sure that you maintain your premises well so any hazards are quickly identified to avoid falls and have an appropriate risk management strategy in place. This includes having public liability insurance and workers compensation insurance to protect your bu...

Your business is your livelihood and no matter how many precautions you put into place, the unexpected can happen. To protect yourself financially when things go wrong, you need to have the right commercial insurance in place. When it comes to insuring your business, there are a few things you need to consider so you can be confident all of your areas of risk are covered. Let’s take a look! 1. Have I considered all areas of risk? The most important thing that you must consider with your commercial insurance is the specific risks facing your business. Consider things like your internal and external risks, when and where risks are likely to occur, and who would be affected if something went wrong. Think about previous incidents which have occurred and consider the worst case scenario. For example, what would it mean to the business if the premises were seriously damaged? 2. Which policies should I consider? There are a range of policies which may be included in your commercial insur...

If you have employees working you as part of your business, you need to know about workers compensation insurance . This form of cover is designed to protect both employees and employers following a compensable workers compensation claim and is a mandatory form of cover in Australia. Let’s take a closer look at what workers compensation insurance means for your business! What does workers compensation insurance cover? If an employee is injured at work or becomes unwell due to work, workers compensation allows for payments to be made to the employee to cover wages while their away from work, medical bills, rehabilitation costs, and equipment such as glasses. It could also include a lump sum payment in the event of permanent impairment. With workers compensation insurance, employers are reimbursed for payments made to the employee following a claim. Is workers compensation compulsory? Workers compensations insurance is compulsory in every state and territory in Australia by law. It’s...

It’s no secret that Australians spend a lot of time at cafes and restaurants and for business owners in that industry, it can be a rewarding (and busy!) experience. No matter how run off your feet you are, you need to make sure you take the time to have the right insurance place to protect against your unique set of risks. Today, we’ll be looking at our top picks when it comes to café and restaurant insurance policies . 1. Public Liability Insurance This form of cover protects you if you cause injury or damage as a result of your actions at work. This is essential cover when you have people coming and going from your café or restaurant – it’s all too easy to find yourself at the receiving end of a claim if someone trips over! 2. Workers Compensation Insurance This cover is compulsory in Australia if you have employees working for you, and it means that employers will be reimbursed for wages or other costs associated with an employee following a successful workers compensation claim...

The Australian truck industry is one of the largest industries in the country and is absolutely essential for the transportation of goods and for keeping the economy going. Owner-driver truck operators are an essential part of the industry and this is a popular business model for many small to medium businesses. However, it does mean that the responsibility for arranging insurance falls to you. As the experts in owner-driver truck insurance Perth , we’re here to share what owner-drivers need to know about your insurance needs. Owner-driver vs company driver When it comes to a career as a truck driver, the main options you have are either being a company driver where you drive a truck provided by the company, or an owner-driver where you own your truck and work as an independent contractor. The benefits of being an owner-driver are that you have the ability to arrange a flexible schedule, can choose contracts which suit you, and generally make more of a profit. However, you also assum...