Sole traders and small businesses have different insurance and people management needs to larger businesses.

Within our business, we have a dedicated team that specialise in solutions for smaller operations. We know that while you don't want to spend any more time or money than necessary on meeting the regulatory requirements pertaining to things like insurance, it is important to protect yourself, your business, and your employees should something go wrong. That is why we have a range of solutions designed just for sole traders, contractors and small businesses, so you can get back to running your business with peace-of-mind.

Insurance

When considering insurance for your businesss, off-the-shelf products may seem adequate at first glance. However, take a closer look and you'll soon realise they don't take into consideration the nuances and specifics of your business, and may contain exclusions that cause significant negative impact and leave you exposed. Avoid this common mistake and talk to an experienced advisor that knows your industry and your business needs today.

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Public and Products Liability

Property Insurance

General Property/Mobile, Plant and Equipment

Business Interruption Insurance

Small business articles

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Understanding the key terms in the insurance industry

The insurance landscape can be complicated and there is a range of industry-specific terms that are used. Here is a guide to the most common ones.

If you have an insurance policy, you’re helping to protect yourself against financial or business loss in the event of an incident. If an event occurs, you’d lodge a claim with your insurer. But how does that process work?

Protecting against risk is essential for any business, and identifying and understanding less obvious exposures can help a business prepare and be best protected, should the worst happen.

When a business considers engaging someone to perform work, often the decision is about whether to engage them as an employee or as a contractor. The decision is sometimes quite difficult and the difference has implications for items such as, yet not limited to, taxation, superannuation, control and liability.

All businesses no matter how large or small should have Public and Products Liability cover.

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Tax Tips for Small Businesses

As a small business, you may be eligible for income tax concessions. From 1 July 2016, the turnover threshold for these concessions is:

$5 million for the Small business income tax offset
$10 million for all other income tax concessions.

The turnover threshold up to 30 June 2016 was $2 million for all these concessions.

Australia is a land of extreme weather, and whilst there is nothing we can do to stop it occurring, we can control the extent to which we are impacted by it. Where business is concerned, controlling the level of damage that a business suffers as a result of extreme weather, and the speed at which it recovers depends entirely upon the directors and management. Regardless of the size of the business there are some fundamental strategies that should be implemented to increase business resilience to the impact of extremes in weather.

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Industry specialities

We specialise in solutions for a number of industries that are made up of sole traders, contractors and small business owners. If your industry appears below, click on the links for more information.

Key Industries

Accountants

Our knowledge in the accounting industry is extensive, with purpose-built insurance solutions negotiated with our insurers for maximum coverage and risk management.

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Agriculture

Insurance for agribusiness is a specialised field. We ensure you stay covered at a reasonable price. To make sure you’re really covered, talk to the experts at AB Phillips.

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Camps

AB Phillips have been providing insurance and people risk solutions to businesses operating in the residential camps and outdoor activity providers industry for more than 15 years.

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Classic Boat Insurance

AB Phillips has teamed up with Nautilus Marine to offer an exclusive Classic and Seacraft insurance scheme with market leading policy coverage and competitive premium rates for wooden boats.

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Early Learning Centres

Childcare and Early Learning Centres have many different areas of risk you need to be covered for. Our team has extensive experience in this area.

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Construction and Trades

We have a dedicated Construction and Trades department enabling us to provide relevant and specialist insurance advice.

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EPS Panel Insurance

We work with the Insulated Panel Council Australasia Ltd and insurance underwriters to develop a more sophisticated approach to your risk, which means underwriters trust our knowledge and listen to our recommendations.

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Financial Planners

Our team of Professional Service insurance specialists have specifically shaped a range of policies to meet the needs of both large national corporate entities and small, individually owned practices, plus they have RG126 requirements at their core.

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Height Safety & Ropes Access

We provide specialised cover and extensions that are essential for minimising the risk to your business across all forms of Rope Access as well as Building Maintenance Units, Cranes, Scaffolding and Elevated Work Platforms.

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Manufacturing

If you’re in manufacturing, you’re already dealing with enough moving parts. Which is why at AB Phillips we like to provide you with a whole-of-business insurance solution.

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