Noah Leighton Insurance Broker

As a business owner, you rely on the steady source of income that your regular business operation provides. So what would you do if your business was suddenly unable to operate? If you’d struggle financially during a pause in your business, that’s where business interruption insurance comes in. When it comes to commercial insurance , business interruption insurance is one of the most important forms of cover that you should consider – here’s why! What is business interruption insurance? A lot of businesses assume that property and contents cover is sufficient to protect themselves from the financial impact of an unexpected event such as theft, storms or fire. While it’s true that these policies will cover the cost to fix the damage, it doesn’t offer protection for the period during which your business can’t operate. For example, after serious water damage, you could be unable to enter your business premises for some weeks. Business interruption insurance will cover the financial los...

The winter weather can be a source of disruption for many Australian businesses due to issues caused by heavy rainfall, lightning and floods. As the experts in business insurance , we get a lot of calls over the winter months from business owners who’ve been impacted by storm damage. Being prepared for storms means that you can recover more quickly or avoid damage altogether. Today, we’re looking at some steps you can take to protect your business from storms this winter. Get regular maintenance Regular maintenance can help you to identify possible risks and address them before they become a bigger issues during a storm. Overhanging tree branches, loose roof tiles or guttering, or loose fencing can all increase the risk of more serious damage during a storm. Organise a regular maintenance schedule to take care of potential issues. Secure your assets If a storm is approaching, think about how you’re going to secure your business assets. Do your business vehicles need to be relocated...

 When it comes to insurance, your insurance broker in Perth is the best person to speak to – as industry professionals, they have in-depth knowledge and experience to help you navigate the world of insurance. Given the complexity of insurance, it’s no wonder that a lot of people have questions! Today, we’re helping you out by answering some of your most commonly asked questions. Why do I need an insurance broker? Choosing an insurance broker is a far simpler and more cost effective way of taking out an insurance package. Your insurance broker has the industry knowledge to find you the best insurance and a competitive price. They’ll analyse your areas of risk and ensure that you have the right level of cover so you’re not caught short at claim time. They also make claims simple by liaising with the insurer on your behalf. What do I need to do when I have a claim? The first thing you should do when you need to make an insurance claim is to give your insurance broker a call. They’...

If you run a business, chances are you’ve heard of public liability insurance and almost all businesses need to have this cover in place. However, product liability insurance is also an essential form of cover which protects against claims related to products that you supply. Let’s take a closer look at product liability and why it’s important for your business. Product vs public liability insurance Public liability is designed to protect you financially if you cause injury to a person or damage to property following your actions at work. On the other hand, product liability insurance will protect you financially if the products you supply cause damage or injury. As with public liability insurance , product liability insurance will also cover legal bills if you need to use a lawyer during the claims process. Why is product liability insurance important? Even if you don’t manufacture the products yourself, product liability insurance is an essential cover for many businesses. If yo...

It’s essential that as a nurse you have the right insurance in place to cover your unique risk exposures. Specifically, nurses need to ensure they have professional indemnity insurance. So, what exactly is professional indemnity insurance and how does it apply to you? As the experts in nursing insurance , we’re here to share what you need to know about professional indemnity insurance. What is professional indemnity insurance? Professional indemnity insurance is designed to cover professionals who give advice or provide a service. It will protect you financially if a third party suffers loss, whether it’s financial loss, property damage or personal injury, which has occurred as a result of an act, error, omission while carrying out your professional duties. Not only can indemnity insurance cover the cost of a successful claim for damages, but it can also protect you financially against legal or public relations costs. At times, a simple error in judgement or unintentional breach of c...

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...