Entries by admin

Why small businesses need product liability insurance

Product liability cover can vary, with claims depending on the individual business and the product it sells. Regardless, Product liability will ensure you are protected from the inevitable mishap. Product liability can provide protection for property damage or personal injury claims arising out of the use of a business’s product, or the failure of a […]

Not your usual insurance claim!

North Qld is not just known for Cyclone and rainwater claims. Check out the latest claim lodged by our staff. A Townsville couple thought they had water damage when they heard their ceiling collapse during heavy rain, turns out the cause was a well fed python falling through the ceiling. He measured in at 2.5 […]

Bushfire safe: making sure your home isn’t underinsured

With bushfires burning around the country, it’s important for homeowners in fire-prone areas to take steps to ensure they have the right insurance in place. This article from the Steadfast online magazine Well Covered, discusses risks of underinsurance, how to avoid mistakes and ensure homeowners have the right insurance in place, particularly in fire-prone areas. […]

Income Protection for Business Owners

All business owners have a lot of challenges, but many fail to contemplate what might happen if their business is suddenly unable to trade. From illness or injury to a fire at your supplier’s warehouse, there are many ways that your profit generation could be suddenly halted. While there are many rewards to being a […]

The importance of Income Protection

5 of our clients are currently receiving payments totalling $36,533 per month from Income Protection policies set up by Sarina Insurance and Financial Services. One claimant had his policy in force for less than a week before claiming, while others have been paying premiums for over 13 years before claiming. As soon as the claim […]

Real Risks in Business: A Guide to Insurance

Starting a business is a risky business, which is why it pays to be prepared! While it is impossible to predict exactly which possible hardships may befall your company throughout its years of operation, it is possible to load up on the right business insurance that will provide you with coverage when you need it […]

Sarina Insurance goes to London!

Broker principals Rick and Barb travelled to London recently and were invited to tour the Lloyds insurance building in the centre of the financial district as guests of Myles Smith insurance brokers, based at Lloyd’s. Lloyd’s commenced in 1686 at Edward Lloyd’s coffee shop, initially selling marine insurance and has grown to become the world […]

What am I responsible for as a business owner?

There are countless circumstances that may have a negative effect on your business, many of which are impossible to predict. The good news is that it is possible to prepare for any eventuality, thereby safeguarding your business from potential financial ruin. The best way to do this is with the right business insurance. However, as […]

The insurance implications of working from home

Australians are increasingly working from home, with the most recent data from the Australian Bureau of Statistics indicating at least a third of us choose to work from home at least part of the time. A study by future trends research house McCrindle shows there are lots of different reasons why people work from home. In total, […]

Telematics continues to evolve in insurance

Telematics technology has proven benefits when it comes to encouraging more responsible driving, with research indicating better driver behaviour is one of the main advantages in using this innovation. Black box or telematics technology is a way for businesses to collect data on how their employees are using company vehicles. Using telematics, businesses can collect […]