Noah Leighton Insurance Broker

The digital age has opened a lot of doors for businesses and as technology has evolved, businesses have embraced the fact the once complex tasks are now simple and a wider customer base can be reached. However, there are also a number of risks which come of an increasingly digital landscape and many businesses are falling victim to cyber-crime. Luckily, businesses can be protected from these scenarios with targeted cyber insurance . Let’s take a look at some of the reasons why this cover for your business is so important. 1. Cyber-crime continues to grow Cyber-crime continues to grow and it’s increasingly posing a threat to businesses of all sizes. In fact, the Cyber Security Review estimated that cyber-crime costs the Australian economy up to $1 billion per year in direct costs. Just some examples of cyber-crime that your business could fall victim to include ransomware, spam, phishing scams, hacking and identity theft. 2. Existing insurance may not cover cyber attack A lot of bu...

With so many people coming and going from restaurants and cafes across Australia each day, it’s no surprise that there are times when accidents happen. Although your restaurant or café insurance is always there to protect you in the event of a liability claim, it’s best to avoid accidents from happening in the first place. Let’s take a look at some easy steps you can take to keep your café or restaurant as accident free as possible! Preventing accidents in your café or restaurant Act immediately – In many cases, accidents can be prevented simply by acting quickly in the event of spills or breaks. If a glass is broken or drinks are spilled, deal with it immediately so it doesn’t pose a hazard for patrons. Always put out caution signs while you’re cleaning up any spills. Correct maintenance – Ongoing maintenance is essential for accident prevention and keeping your premises in good condition will make all the difference. Small issues such as uneven pavement or a rickety stair can c...

Business owners face a unique set of risks and no matter how prepared you are, an unexpected event can have serious financial consequences. This is why you need to protect your business with insurance. As expert business insurance brokers , we know all too well the importance of having the right insurance package in place. Today, we’ll be looking at some of the most common business insurance policies which you should consider to cover the risks your businesses faces. Public liability insurance This form of cover is designed to protect you financially if you cause damage or injury to a third party as the result of your actions at work. The costs involved with a liability claim can include medical bills, rehabilitation costs, repairs and replacements. Professional Indemnity insurance If you provide a professional service or give professional advice, you need to consider having professional indemnity insurance in place. This cover is designed to protect you if a third party suffers lo...

A good insurance broker is worth their weight in gold. Not only do they help you in the initial stages of finding the right insurance package for your needs, but they also have the industry connections to ensure the best deal possible at a competitive price. Claim time is also made simple when you have a broker as they act on your behalf and deal directly with the insurer. But how do you go about finding a good insurance broker? Let’s take a look! Ask for recommendations The best place to start when it comes to finding a good insurance broker is to ask around for recommendations. Ask family and friends if they have anyone they can recommend and, if you own a business, ask other business owners for their opinion. If you know business owners who work in a similar industry to you, it’s definitely worth speaking with them as they may use as the broker who has industry specific experience.   Look at reviews Reviews and testimonials are a great way to get an idea of the level of serv...

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...