[plug] [OT] Insurance recommendations

[Jacqueline McNally]

skribe wrote:
> On Wed, 11 Aug 2004 15:57, Joel Johnson wrote:
> 
>>As this group contains a lot of professional IT types, was wondering if
>>anyone could advise what types of insurance I'd need if I wanted to start
>>up my own sole-trader computer support business?
>>
>>Any recommendations as to decent business insurance brokers in the Perth
>>metro area?
> 
> 
> If you're planning to run it from home then your best bet is to ask your 
> current house and contents insurance supplier.  I don't know of any company 
> that will offer just business insurance without a H&C policy as well for a 
> home-based biz.
> 

Quite a few insurance providers who are generally in the H&C market will 
not provide business insurance, or even the H&C policy if you are 
running a business from home. Last I checked RAC was one of these. One 
of the exceptions that I have found is SGIO.

Be aware that many professional indemity insurance policies may also 
have a public liability portion, so you may be paying twice for this if 
it also forms part of your general business insurance.

The SBDC may be able to assist you, see: 
http://www.sbdc.com.au/drilldown/drilldown.asp?refid=1.5 Also, contact 
one of their BECs near you. With the majority of businesses being SMEs 
or home-based business, they must be used to answering this one by now :)

All the best
Jacqueline McNally

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