Understand the risk before making the decision.
Practical explanations for business owners, property owners and professionals—written to clarify the issue, not to promote a product.
Business
Business interruption insurance: why the indemnity period matters
The length of the indemnity period can matter as much as the sum insured.
Property owners
Rooming house insurance: why ordinary landlord cover may not be suitable
A lawful rooming house can still sit outside standard landlord insurer appetite.
All clients
What a Certificate of Currency does — and does not — confirm
A Certificate of Currency confirms certain details, but it isn't a guarantee of cover.
Hospitality
What to do when commercial refrigeration equipment breaks down
What to do first when a cool room or refrigeration unit fails — and why the cause of failure matters as much as the cost of repair.
Professional services
When a cyber incident may involve both Cyber Insurance and Professional Indemnity
A cyber incident can create both first-party costs and a professional indemnity claim at the same time — why the two may overlap.
Property owners
Why roof leaks are not always covered by insurance
Gradual deterioration and maintenance exclusions often shape how these claims are assessed.