Noah Leighton Insurance Broker

As a midwife, you’re responsible for delivering babies and providing antenatal and postnatal support for women. With such an important and dynamic role, it’s essential that you have the right insurance cover in place so that you’re protected if something goes wrong. We often hear about Indemnity insurance for nurses but it’s important to remember that the need for cover also applies to midwives. Today, we’ll be taking a closer look at professional indemnity insurance for midwives. Is indemnity insurance compulsory for midwives? Yes, it is. Under national law in Australia, midwives are unable to practice unless you hold appropriate professional indemnity insurance. Professional indemnity insurance is designed to protect you if a third party suffers loss or damage as a result of your actions, following an act, error, omission or breach of professional duty. As a midwife, you need to be able to provide evidence of your indemnity insurance to allow you to practice. Why is indemn...

As a nurse, you provide an essential service – without you, our healthcare system wouldn’t be able to function! Being a nurse on the frontline can be very rewarding but it also means that you’re exposed to a number of risks each day, which leaves you open to claims for compensation. It’s for this reason that nurses must ensure that they have professional indemnity insurance in place so you’re protected in the event a claim. Let’s take a closer look at why professional indemnity insurance is so important for nurses. What is professional indemnity insurance? Professional indemnity insurance is designed to protect professionals who provide advice or services against legal costs associated with a claim for damages. This could be due to an act, error, omission or breach of duty which results in third-party loss. Indemnity insurance is essential cover for a number of professions – not only does it offer financial peace of mind, it’s also often a mandatory requirement. What are my in...

When you own your own business, you need to be prepared for the unexpected and insurance is the best way to ensure that you’re protected financially when things go wrong. With that in mind, it’s essential that you make insurance part of your business plan and regularly review your cover. But what policies do you actually need? Let’s take a look at some of the most important insurance policies that you need to consider for your business. Public liability insurance Public liability insurance is designed to protect you financially if you cause damage to property or injury to a person as a result of your actions at work. This policy will also help cover the legal costs associated with a claim. If you’re found liable for a claim, you could be expected to pay for medical bills, replacements, repairs, rehabilitation costs and any number of additional expenses which is why liability coverage is so essential. Property insurance If you own your building or have property onsite relate...

With so many vehicles out on the road, the unexpected can happen all too easily (no matter how good a driver you are!) which is why you need to be covered with the correct insurance. But with the different types of car insurance on offer, it can be hard to know which option to choose. Today, we’ll be looking at the main types of motor insurance so you can make an informed decision with your cover. Third party property cover This policy will only protect you financially against damage caused to other vehicles and will generally provide you with no cover for damage to your vehicle except in specific circumstances. In some cases, you’ll receive cover for some damage to your vehicle if an accident is the fault of another vehicle and they’re not insured. This form of car insurance offers the cheapest premiums and is often a viable option for people on a budget or if your car isn’t worth enough money to insure it. Third party fire and theft cover Along with covering damage caused...

As professional insurance agents Perth , we see a lot of people make some very common mistakes with their insurance – mistakes which could ultimately cost you both time and money. Today, we’ll be exploring some of the insurance mistakes you could be making so you can avoid them in the future. Not having enough insurance cover Underinsurance is a big issue in Australia and a lot of households don’t have sufficient cover. Many people try to save money on their insuranc e by having minimal insurance, or even no insurance at all, so they pay lower premiums. Although this can work out cheaper in the short term, it can come back to bite you in the long run when you don’t have the right cover at claim time. In other cases, people unintentionally underestimate how much their property and possessions would cost to replace and don’t insure for a high enough amount. Always make sure that all of your risks are adequately covered by insurance and that you get an accurate estimate of how muc...

Public liability insurance is an essential form of cover and most businesses, no matter the size, have liability insurance in place. So, why is it so important? Well, it protects you financially if you cause damage to property or injury to a third party as a result of your actions at work. Not only will it cover the cost of damages, it also helps cover legal bills if you need to hire a lawyer during the claims progress. Unfortunately, we see a lot of businesses make some very common mistakes with their liability insurance which can cost them in the long run. Let’s take a look at some of these mistakes so you know to avoid them! Mistake #1: Opting for low cost over quality With rising business costs, it’s understandable that you may want to go for the cheapest liability cover you can find. However, the old saying that you get what you pay for often applies in these situations and you could find yourself discovering at claim time that you don’t have adequate cover. Make sure y...