The cashflow problem nobody talks about

You’ve done the work. You’ve delivered goods or services to a customer. The invoice is issued, terms are agreed, and you expect payment. Then it doesn’t arrive.

It sounds straightforward: chase it up, follow payment terms, and move on. But sometimes a customer becomes insolvent or stops paying, and no amount of chasing gets the money back. When that happens, it affects your cashflow and ties up money you’d otherwise have available for your business.

This is where trade credit insurance comes in. It’s a practical tool for businesses that extend credit as part of their normal operations, which is most businesses.

What trade credit insurance actually does

Trade credit insurance helps protect your business when a customer can’t pay their invoice. If the claim is accepted, the insurer may reimburse part of the invoice amount, which helps your cashflow.

The cover works for both local customers and overseas buyers. If you export, it can also cover risks like currency problems or government actions that prevent payment.

When you purchase trade credit insurance, you get access to the insurance protection plus you may have access to complementary services from the insurance provider. These typically include credit information services, credit assessment, monitoring alerts, and support tools. Together, these elements help you manage the risk of unpaid invoices.

When cashflow really matters

For any business that gives customers time to pay, cashflow matters. You’re paying your team and suppliers now, but getting paid later. When a customer doesn’t pay as expected, that gap gets tighter.

Some sectors feel this pressure more acutely:

• Building and construction: You may pay for materials and labour upfront while waiting weeks for your customer to pay.
• Manufacturing and distribution: You may hold stock or manage production for customers who may not pay on time.
• Labour hire: You may be paying staff weekly but invoicing customers monthly.
• Professional services: Invoices may sit unpaid for months while you’ve already delivered the work.
• Food and hospitality supply: You may work on tight margins, so a customer not paying can significantly impact operations.

Industry data shows that certain sectors see higher volumes of trade credit claims. Building and hardware, along with food and provisions, are among the sectors where customer payment issues are more commonly reported. This reflects the nature of how these industries operate, with extended payment terms and cashflow timing challenges.

Five reasons to consider trade credit insurance

Your debtors ledger is often one of your largest business assets. Trade credit insurance helps protect it by addressing five key business concerns:

1. Preserve profit. When a customer doesn’t pay, that invoice value disappears from your bottom line. Trade credit insurance can help by providing reimbursement if an unrecoverable debt occurs, subject to your policy terms.
2. Protect liquidity and cashflow. If a significant customer default occurs, a claim under your trade credit insurance policy may inject funds back into your business, helping you to maintain operations and meet your payment obligations.
3. Extend credit with confidence. When you have insurance protection in place for customer defaults, you may feel more confident extending credit terms to customers. The insurance helps manage the financial impact if a debt becomes uncollectable.
4. Strengthen credit management. Trade credit insurance providers offer credit information services, analysis, and monitoring alerts. This supports better credit decisions based on sound analysis and real-time information about your debtors’ financial position.
5. Add security for your bank. Insuring your debtors ledger provides a source of security that you may be able to offer your banks when discussing facilities. The specific implications would depend on your bank’s requirements and your individual circumstances.

These benefits depend on your specific policy terms, the cover you select, and your individual circumstances.

Understanding the full service

When you purchase trade credit insurance, you’re typically getting access to more than just claims protection. Insurance providers offer complementary services that work alongside the insurance itself:

• Credit information services help identify customer details and provide information about potential payment risks before you extend credit
• Credit assessment analyses customer information to help inform credit limit decisions
• Ongoing monitoring alerts notify you when information about your customers changes
• Support tools and advice can help you understand credit management practices

These services are part of a complete offering. What’s included depends on your specific policy and provider.

Whether trade credit insurance is the right fit depends on your individual circumstances, your existing credit policies, and your specific needs. These are matters worth discussing with your risk and insurance adviser so you can understand exactly what’s included with your cover and how it aligns with your business situation.

What’s covered and what’s not

Trade credit insurance policies are designed to cover specific scenarios. However, the exact cover depends entirely on your policy wording and the underwriter.

Common scenarios that may be covered include:

• Customer insolvency or bankruptcy
• Protracted default (customer stops paying over an extended period)
• Political risks affecting overseas customers, such as currency inconvertibility, cancellation of import or export licences, contract cancellation or repudiation due to government action, and contract frustration due to war, civil war, riots or commotions

Common exclusions typically include:

• Disputed invoices where the customer contests that goods or services meet the contract requirements
• Invoices for goods or services that weren’t delivered or rendered

What is and isn’t covered under your specific policy depends on your individual policy terms and conditions. Before purchasing cover, it’s essential to discuss with your risk and insurance adviser exactly what scenarios your policy will and won’t cover. Your adviser can explain the specific inclusions, exclusions, limitations, and conditions that apply to your situation.

How much does it cost?

Premium rates for trade credit insurance vary significantly depending on multiple factors, including:

• Your industry and sector
• The level of turnover to be insured
• The level of deductibles you choose
• The credit terms you extend to customers
• The geographic spread of your buyer and country risks
• The quality of your debtors
• Your claims history
• The type of policy you select (whole-of-portfolio, single-buyer, or other arrangements)
• Coverage options and limits

Because premiums depend on all these factors, there is no single “standard” rate. Your risk and insurance adviser can provide specific premium information based on your individual business circumstances and the cover you’re considering.

Importantly, premiums paid for credit insurance coverage are tax deductible. Premiums can typically be paid monthly, quarterly, or annually, depending on your arrangement with your underwriter.

To understand what trade credit insurance would cost for your specific business, it’s essential to discuss your situation with your risk and insurance adviser.

Is trade credit insurance right for your business?

Every business is different. Some are actively managing customer credit risk and may have never had a significant unpaid invoice. Others operate in sectors where customer defaults are more common and cashflow management is critical.

Trade credit insurance is available to businesses of all sizes across most industries. The cost and the benefit depend on your specific situation: your customer base, your margins, your industry, and how much risk you’re comfortable carrying yourself.

At the same time, the market for trade credit insurance in Australia has become more accessible and competitively priced in recent years. Underwriters are actively writing cover. Policy terms have become more policyholder-friendly, with lower deductibles and higher indemnity levels now more common.

Whether it makes sense for your business is a conversation worth having with your risk and insurance adviser. Clear Insurance can help you to understand if the protection aligns with your specific situation and risk profile.

What comes next

If trade credit insurance sounds relevant to your business, the first conversation is straightforward. You can contact Clear Insurance for advice. We will typically discuss:

• Your customer mix and geographic footprint
• Your current credit terms and payment history
• Your largest customer concentrations
• Whether you have overseas customers or are looking to export

From there, we will work with insurers to assess what cover makes sense, what it would cost, and what coverage limits and deductibles suit your business. Some businesses find whole-of-portfolio protection makes sense. Others prefer single-buyer cover for their largest accounts. Others might add political risk cover for export sales.

There’s no one-size-fits-all answer. The right cover depends on your business.

If you’d like to discuss whether trade credit insurance makes sense for your situation, contact Clear Insurance. We can help you understand what’s available, what it costs, and what cover options suit your needs.

___________________________________________

Sources and further reading

This article is based on:

• Published market commentary and updates from trade credit insurance industry participants including Lockton Australia (February and March 2026 market updates), Grand View Research, and Securitas Global
• Public information about trade credit insurance products and services from Australian underwriters and brokers
• Trade credit claims and industry data from National Credit Insurance and other public market sources
• Australian economic data from the Reserve Bank of Australia and Australian Bureau of Statistics
• Policy information from publicly available insurance product documentation and underwriter guides

Trade credit insurance is offered by multiple underwriters in Australia including National Credit Insurance, Allianz Trade, Atradius, Coface, QBE, and others. Policies and terms vary by underwriter and by your specific situation.

Your club is not an ordinary business. In a single venue, you might be operating a bar, bistro, gaming room, function space, kids’ room or adjunct childcare, courtesy bus, sporting facility and volunteer committee structure all at once. That complexity means club insurance in Queensland is far more involved than a standard business package. The key is not just having policies in place. It’s understanding whether the risk transfer and insurance program reflects how your club operates today.

A Community Asset and a Commercial Venue.

Queensland community clubs occupy a genuinely unusual position. They exist to serve their members and the broader community. However, to do that, you run what are, in effect, multiple commercial operations under one roof.

One Venue, Many Operations

On any given day, you might be serving lunch in the bistro, running the gaming lounge, offering childcare or a kid’s playroom, hosting a weekend sports competition, managing a private function, offering courtesy bus services, operating multi-site operations, and relying on a volunteer committee to govern the whole operation. Each of those activities carries its own risk profile. Together, they create a complexity that a standard business package insurance policy was simply not designed to handle.

This is not a problem unique to large clubs. Even a modest-sized club with a bar, a gaming lounge and a regular member base has a fundamentally different risk profile than a retail shop, a professional services firm, or a tradesperson. Your mix of licensed activities, volume of foot traffic, reliance on volunteers, and gaming revenue all create exposures that require careful, specialist attention.

What to consider

That is worth understanding from the outset, not to create alarm, but because it shapes how your board should approach the insurance review process. A more useful question than “are we insured?” is whether your risk transfer and club insurance program genuinely reflects what your club does, how it earns its revenue, and where your real risk exposures sit.

Club Insurance Risks: Liquor, Gaming, Bistro, Events, Volunteers and Committees

Liquor Liability

If your club holds a community club licence under the Liquor Act 1992, you are authorised to serve alcohol to members, guests and visitors. That licence comes with significant legal responsibility. Under the Act and the Work Health and Safety Act 2011, you must provide a safe environment for patrons, staff and surrounding areas, including obligations around responsible service of alcohol (RSA) and the management of intoxicated patrons.

The critical insurance issue is that liquor liability provisions within public liability policies vary significantly. Some policies include liquor liability as a standard extension. Others impose sub-limits, apply exclusions where over-service has been alleged, or contain conditions that may affect whether the policy responds to incidents involving intoxicated patrons, including incidents that occur after a patron has left the premises.

As a result, it is worth checking how your policy handles this, rather than assuming liquor liability is fully covered. The scope of the extension matters, and a risk and insurance adviser who understands how these policies respond to claims can help you confirm whether your cover is sufficient.

Gaming Machines

If electronic gaming machines (EGMs) are a significant part of your revenue, this is one area where your club insurance program should reflect your financial exposure. Under the Gaming Machine Act 1991, your gaming machine licence is contingent on maintaining a valid liquor licence. If your liquor licence is cancelled or suspended, your gaming licence can automatically cancel as well, with no compensation for the loss of gaming authorities.

As a result, that interdependency matters from a risk management perspective. A single compliance failure, or a significant claim that results in licence review, can have consequences that flow well beyond the original incident.

Insurance does not replace the need for good governance and compliance. Therefore, your Business Interruption cover needs to account for gaming revenue as a material component of total turnover, and your indemnity period should reflect how long it would realistically take to restore full operations following a major event.

Bistro and Food Service

If you run a bistro or café, you are adding food safety liability, product liability, and the potential for claims arising from foodborne illness not your existing profile. While these are standard hospitality risks, they layer onto the existing liquor, gaming and patron safety exposures rather than replacing them.

In addition, your kitchen equipment creates asset insurance considerations, including machinery breakdown cover for commercial refrigeration, cooking equipment and cool rooms.

Functions and Events

When you open your function space to hirers or run your own events, you introduce a distinct set of liability considerations: third-party property damage, patron injury, temporary structures, entertainment contractors and the management of external hirers. If you host ticketed events or engage performers and contractors, it is worth confirming whether your existing program adequately covers those arrangements, or whether you should address specific event covers or contractual requirements.

For outdoors ticketed events, it’s advisable to consider the level of costs your club can absorb should you have to cancel the event. Alternatively, you may need to consider transferring the risk to insurance.

Volunteers

Volunteers are likely central to how your club operates. From behind the bar to the kitchen, from committee roles to event management, volunteers create genuine insurance questions you should be across.

Specifically, the first is voluntary workers personal accident insurance. Unlike your employees, ‘workers’ compensation generally does not cover volunteers (although Queensland’s Workers’ Compensation and Rehabilitation Act 2003 does extend cover to certain volunteer categories with specific not-for-profit organisations). Personal accident cover for volunteers provides a safety net for medical costs, lost income and rehabilitation expenses if a volunteer is injured while working for the club.

The second is whether the club’s public liability policy extends appropriately to activities carried out by volunteers on your club’s behalf.

Your Committee and Governance Risks

Committee Members

As a volunteer committee member, you can face personal financial exposure for decisions made in your governance role. Incorporation provides a degree of limited liability protection. However, it does not insulate you or other committee members from claims made against your committee as a whole or against individual members, including allegations of wrongful acts, mismanagement, employment disputes with staff, and breaches of statutory obligations.

Importantly, most insurers write management liability policies on a claims-made basis. This means the policy only covers claims your committee makes and notifies during the policy period. If your committee becomes aware of circumstances that could give rise to a claim, even if no formal claim has been made, notify your insurer promptly. Failing to do so can affect your cover.

Member-Based Governance and Club Insurance

Your club most likely operates as a member-owned, not-for profit organisation, and that structure creates a governance context worth understanding when it comes to club insurance.

Your board members are typically volunteers elected from the membership base, not professional directors. This is part of what makes your club what it is. It also means your committee may be overseeing a complex, multi-revenue commercial operation without a dedicated background in financial oversight, regulatory compliance, or commercial insurance.

For example, common governance-related exposures for clubs in your position include:

• Financial management and oversight gaps that may not become apparent until a claim or audit arises
• Situations where the personal interests of member directors and your club’s interests may overlap
• Record-keeping and compliance documentation that has not kept pace with how your club has grown or changed
• Limited familiarity with how your commercial insurance program is structured, what your policies cover, and when they need to be updated.

None of these are unusual for volunteer-governed organisations. They are simply part of the landscape, and worth keeping in mind as your board approaches its club insurance review. Having an adviser who can walk your committee through your risk transfer and insurance program clearly, makes the conversation easier.

Why Underinsurance and BI Gaps Can Become Serious

Club Insurance Gap: Underinsurance on Property

Underinsurance occurs when your sum insured does not reflect the true cost of reinstating your property. It is a widespread issue in commercial insurance, and your club is not immune.

For example, building values set years ago and never reviewed, fit-outs upgraded without updating your policy, specialist equipment added over time, and rising construction costs can all create a situation where the sum insured on paper does not match what it now costs to rebuild and reopen.

Consequently, when a property claim involves partial loss, an underinsurance clause (or average clause) can result in your insurer only meeting a proportion of the loss, leaving the club to fund the remainder. For a full loss, the gap between the insured value and the actual cost of reinstatement can be severe.

If your club has a heritage-listed building, an unusual fit-out or specialist equipment, you may face challenges here, because standard construction benchmarks may not apply to your premises.

Business Interruption: Revenue and Indemnity Period

Business interruption (BI) insurance covers your loss of income and ongoing fixed expenses when your club cannot trade following an insured event. If your club depends on gaming revenue, bar takings, function bookings and food service, a forced closure can become financially damaging within a very short period.

Two common club insurance gaps are worth your committee’s specific attention.

Revenue mix. Specifically, your BI sum insured needs to reflect the club’s actual gross profit. It should consider all revenue streams; bar, gaming, food service, memberships, function hire and any other income. A BI sum insured calculated on bistro takings alone, for example, would leave the gaming and function revenue unprotected. It is worth working with your accountant and insurance adviser to ensure your declared value genuinely reflects your club’s total trading position.

Indemnity period. This is the length of time for which your policy will respond following an insured event. A standard 12-month indemnity period sounds reasonable in theory. However, major property damage, particularly in Queensland where weather events can affect both your premises and the availability of trades and materials, can extend reconstruction timelines well beyond 12 months. The time required to demolish, obtain approvals, rebuild, re-fit, obtain new licences and rebuild your membership base can realistically stretch to 18-24 months for a major loss. A 12-month indemnity period with an actual 24-month reinstatement means your club bears any financial shortfall.

Regulatory Exclusions

A less commonly discussed BI gap is the coverage position when a closure arises from your club’s own regulatory circumstances rather than from physical damage. Standard BI policies only respond following insured physical damage to your property. A licence suspension, a compliance order, or a government direction arising from your club’s conduct which cause a business interruption may fall outside of the standard BI trigger; unless specific extensions have been arranged.

In summary, this is not to suggest you should assume the worst-case compliance scenario. However, it is a reason why understanding the scope of your club insurance coverage matters, and why a conversation with a qualified risk and insurance adviser about what your policy covers is worth having before a problem arises.

Why Your Committee Should Review Club Insurance Before Renewal

Insurance renewal is often treated as an administrative task, something that happens automatically because the premiums get paid and the policies roll over. For most businesses, that might be adequate. For your club, it is not.

Your club changes from year to year. Revenue streams evolve. A bistro is added. Gaming machines are replaced or upgraded. A function space is built. A courtesy bus is purchased. A sporting facility is expanded. Membership grows or contracts. Staff numbers change. Volunteer structures are reorganised. Each of these changes can have material implications for your insurance program. In addition, not all of them are automatically captured at renewal.

What a club insurance review should cover

There are practical reasons why a board-level conversation about insurance before each renewal is genuinely valuable:

• Capturing what has changed. An insurance adviser working from last year’s information will produce last year’s program. Your committee is best placed to identify what has changed in your operations over the past 12 months and ensure that information reaches your insurance adviser in time to be reflected in renewal terms.

• Checking your sums insured. Your building and contents values should be reviewed regularly against current replacement costs, not historical values. Construction costs have risen materially in recent years, and what was adequate three years ago may no longer be.

• Reviewing your BI declared value. If your revenue has changed, from new operations, changed trading patterns, or reduced membership income, your BI declared value needs to be updated accordingly.

• Confirming your coverage scope. Policy wordings change. Insurer appetite changes. An extension included in last year’s policy may be narrowed or removed at renewal without the change being immediately obvious. A genuine review, rather than a passive rollover, is the way to catch these shifts.

• Understanding your committee’s personal exposure. Management liability is still frequently underweighted in club insurance programs. Your renewal conversation is a natural point to confirm that your management liability limit and scope remain appropriate for your current committee and governance profile.

Overall, none of this requires a dramatic overhaul every year. It requires a deliberate, informed conversation with a broker who understands club operations, before the renewal is placed, not after.

Questions to Ask Your Broker About Club Insurance

Your renewal meeting is most productive when you come prepared. The following questions are a starting point for your board-level conversation.

On property and assets:

• When was our building sum insured last reviewed against current construction costs?
• Does our property insurance reflect recent upgrades, fit-out changes or equipment additions?
• Do we have machinery breakdown cover for our gaming machines, cool rooms and commercial kitchen equipment?

On business interruption:

• Does our BI declared value reflect our full revenue mix, including gaming, food service, functions and membership income?
• What is our current indemnity period, and does it reflect how long it would realistically take to rebuild and reopen?
• Are there any extensions to the BI trigger, for example, for government actions or non-damage events, that we should consider?

On liability:

• Does our public liability policy include an adequate liquor liability extension? Are there sub-limits or conditions that could affect how it responds?
• How does our liability cover apply to volunteers acting on our behalf?
• Are we covered for liability arising from function space hirers and contractors attending our premises?

On committee and governance:

• Do we have management liability insurance covering our committee members and officers?
• Is our current management liability limit appropriate for the size of our committee and our club’s operations?
• Does our management liability policy include Employment Practices Liability and fidelity cover?
• Does our committee understand that management liability is a claims-made policy and that incidents need to be notified promptly?

On voluntary workers:

• Do we have voluntary workers personal accident insurance, and does it cover the full range of activities our volunteers perform?

On the program overall:

• Are there any activities we have added or changed in the past 12 months that may not be reflected in our current policies?
• Are there any gaps or exclusions in our current program that we should be aware of?

An insurance adviser with genuine experience in the Queensland club market should be able to answer these questions clearly and specifically, not in generalities. If the answers are vague, or if this conversation has not happened at all, that is itself something your board should take note of.

Ready to Review Your Club’s Insurance?

A specialist club insurance review does not need to be complicated. It starts with a conversation, one that takes the time to understand how your club actually operates before making any recommendations.

Clear Insurance works with Queensland clubs across the full range of their club insurance needs, from property and liability through to business interruption, management liability and voluntary workers cover.

If your renewal is approaching, or you’d like clarity on your exposure, or you feel your club’s insurance program may not be keeping pace with your operational changes, now is a good time to have that conversation.

Contact the Clear Insurance team and ask about our risk and insurance review.

Sources & Further Reading

• Liquor Act 1992 (Qld) business.qld.gov.au/industries/hospitality-tourism-sport/liquor-gaming/liquor  
• Gaming Machine Act 1991 (Qld)  business.qld.gov.au/industries/hospitality-tourism-sport/liquor-gaming/gaming
• Work Health and Safety Act 2011 (Qld)  https://www.worksafe.qld.gov.au/
• Workers’ Compensation and Rehabilitation Act 2003 (Qld) https://www.worksafe.qld.gov.au/
• Queensland Government, Business Queensland — Liquor compliance: patron and staff safety https://www.business.qld.gov.au/
• Insurance Council of Australia: Making a business interruption claim https://insurancecouncil.com.au/
• Institute of Community Directors Australia: Types of insurance an organisation needs  https://www.communitydirectors.com.au/
• ASIC Regulatory Guide 234: Advertising financial products and advice services https://www.asic.gov.au/

Why is it important to understand your financial risks?

Understanding your risks is crucial. It’s vital to identify the risks associated with your hospitality business, as these can change depending on the activities and services you offer. By staying informed about potential risks, such as property damage, liability claims, or operational disruptions, you are better equipped to make informed decisions about how to manage, mitigate or transfer those risks through insurance.

With a solid understanding of your insurance needs, you can ensure your insurance program offers real value and protection.

What protective role can insurance play for clubs and hospitality businesses?

Insurance serves as a risk transfer mechanism, offering financial protection against unforeseen events. However, merely having insurance is not sufficient; the insurance must be tailored to meet your specific needs. Your insurance adviser can explain the available insurance solutions, allowing you to choose coverage that aligns with the scale and scope of your club’s activities.

How can a hospitality business evaluate its insurance cover?

Clubs, boards, and business directors can consider several factors:

Risk Assessment – Are there new or evolving risks that may impact your insurance?

Coverage Scope – Are there any gaps or exclusions that may leave your club vulnerable?

Policy Limits – Are the policy limits sufficient, or do they expose the business to potential financial losses?

Suitability – Does your insurer understand the unique needs of a hospitality business like yours?

Is underinsurance an issue for hospitality businesses?

Underinsurance is a common problem for venues across Australia. It’s essential to thoroughly understand your insurance program and the limits of your sums insured. For instance, if a claim exceeds the limit, a community club could incur significant out-of-pocket expenses and expose board members to personal liability. Independent insurance replacement valuations by qualified valuers can establish replacement values, reinstatement costs, debris removal expenses, and adequate rebuilding timeframes to inform the appropriate sums insured limits.

What should you do if you have concerns about your risk and insurance program?

If you have concerns about your risk and insurance program, we encourage you to consult your insurance adviser promptly. If you are not satisfied, Clear Insurance offers a no-obligation risk and insurance review for your peace of mind. Contact Lisa Carter at lisa.carter@clearinsurance.com.au or call 1300 721 132.

What are lithium-ion batteries?

Lithium-ion batteries are the driving force behind many of our everyday electronic devices, including mobile phones, laptops, e-bikes, power tools, and more. These rechargeable power sources are known for their efficiency, but their unique composition can also pose fire risks if they are not handled properly.

Understanding the fire risks associated with lithium-ion batteries is essential. These batteries contain highly flammable electrolytes, and if a battery were to burst, it could release toxic and explosive gases. Such incidents can lead to intense, self-sustaining fires that are incredibly difficult to extinguish.

Understanding fire risks related to lithium-ion batteries

Incidents involving lithium-ion batteries highlight the need for caution. For example, a recent explosion from an e-bike left charging in a unit at North Bondi serves as a reminder of the potential fire risks associated with these batteries.

Several factors can increase the fire risk of lithium-ion batteries, including:

• Over charging; using non-compliant charging equipment can lead to overheating
• Physical Damage: Dropping or crushing the battery can cause internal failure
• Short-circuiting: Malfunctions within the battery or system can trigger fires
• Manufacturing defects: poor production quality can lead to unsafe batteries

According to an ACCC report, charging is the most common time for lithium-ion battery fires to occur. Fire services have collectively responded to over 1,000 lithium-ion battery fires since January 2023.

Implications for insurance regarding lithium-ion battery fire risks

Insurers are evaluating policy modifications to better manage the fire risks associated with lithium-ion batteries. It could include setting strict conditions for battery storage, adhering to manufacturer guidelines and ensuring purchases are from reputable suppliers.

To help mitigate the risks related to lithium-ion battery use, we recommend seeking advice from independent risk management professionals that specialise in your industry. They can help you develop adequate policies and procedures for the use, maintenance and disposal of lithium-ion devices within your business. When implemented, it provides evidence to insurers that you actively try to mitigate and monitor fire risk.

How to mitigate the fire risks of lithium-ion batteries?

Staying informed about lithium-ion battery safety is essential in our tech-driven world. Here are five tips that safety experts recommend for managing the fire risks associated with lithium-ion batteries:

1. Check Product Quality

Ensure all products meet local safety standards and purchase devices from authorised dealers. Avoid cheap or counterfeit chargers that may lack essential safety features.

2. Conduct Regular Inspections

Safety experts recommend maintaining an inspection register for all lithium-ion battery devices, including age, quality, and performance. They recommend scheduling regular inspections of devices using lithium-ion batteries and having a device replacement program. Should you notice any faults, damage or the batteries, reach the end of their usable life, it is recommended that you stop using the battery immediately and follow the correct procedures for replacement and disposal.

It is advisable to monitor for product recalls and take note of device safety notices. Fire incidents within general waste are on the rise due to improper disposal of batteries, increasing the risk for workers at refuse and recycling stations. Check out the local recycling programs to see what’s available in your area.

3. Educate Occupants & Staff

Safety experts recommend that staff and residents are aware of fire safety procedures, including the location and use of fire extinguishers.

4. Install Safety Equipment

Fire safety experts recommend regular inspections of fire extinguishers and fire safety equipment to ensure they are easily accessible in the event of a fire. They also recommend monitoring cell voltage, currents and temperature to reduce fire risk, especially in areas that store devices with batteries or battery banks.

5. Follow Manufacturer Guidelines

Manufacturers recommend that lithium-ion batteries are charged according to the manufacturer’s instructions to minimise fire risk. They set out the best practices for charging and storing their devices. It may include charging devices in well-ventilated areas away from direct sunlight and ensuring they are not covered or enclosed while charging.

Manufacturers recommend device charging periods to ensure users avoid charging their products longer than required or overnight. They often recommend unplugging devices once they reach full charge to protect battery life and storing lithium-ion battery devices at 40-60% charge.

How to seek advice on transferring risk to insurance

Insurance is a valuable tool for risk transfer. As risk and insurance advisers, we can help you identify the risks to your business and guide you through the options available to transfer those risks to insurance. Clear Insurance offers a no-obligation risk and insurance review, resulting in a detailed gap analysis report of your current risk transfer and insurance program. This report empowers you to make informed decisions about whether to keep, mitigate or transfer risks to insurance.

We also recommend seeking advice from professionals on matters such as HR, legal, risk management, health and safety and insurance replacement valuations to ensure you have robust policies, procedures and valuations in place to reduce the risk of claims.

A proactive risk strategy enables you to present an accurate picture of your business and operations to insurers, allowing them to assess whether to underwrite the risk and determine the premium cost. 

Contact Clear Insurance today for advice on your risk transfer and insurance needs.

In today’s digital landscape, businesses face significant threats from cybercrime, making it essential to understand and manage cyber risk effectively. Cyber insurance is a critical tool that can help organisations mitigate the financial losses associated with cyber incidents.

Cybercrime is on the rise, and with it comes various business risks that can jeopardise a company’s reputation and financial stability. Businesses must therefore differentiate between cyber myths and realities to establish a robust security strategy that safeguards their assets and data.

Debunking Cybercrime Myths

It’s vital to address cybercrime myths that can lead to complacency in cybersecurity measures. Many businesses believe that only large corporations are targets for cybercriminals. However, data from the Australian Cyber Security Centre reveals that 87,400 cybercrime reports were made by businesses in the last financial year – that’s one report every 6 minutes! The average loss to a business, regardless of size, due to a cybercrime event is now $55,000.

The reality of Cyber Risk

Cyber risk encompasses various potential threats, including data breaches, ransomware attacks, and phishing scams. Understanding these risks is crucial for businesses as they navigate the complexities of the digital world.

It’s a common misconception that outsourcing IT Functions to cloud technology and managed IT service providers automatically provides a layer of protection for a business. Sadly, this is not the case. Losses involving cloud or other outsourced technology systems now form most cyber insurance claims.

The role of Cyber Insurance

Investing in cyber insurance offers businesses a financial safety net in case of a cyber incident. These policies can cover costs associated with items such as data recovery, legal fees, reputational damage and customer notification in the event of a breach.

Dual Insurance Australia recently shared a case study providing timely insight into the growing trend for cyber insurance claims and how the right insurance policy can mitigate your financial risk.

Dual Australia Case Study

The Insured

The insured, a management consultancy firm, engaged an IT service provider (ITSP) to provide critical services, including hosting their virtual servers and the data held on those servers.

The Problem

The IT service provider suffered a ransomware attack, causing significant downtime for its customers, including the insured management consultancy firm.

Fortunately, a forensic review confirmed that none of the consultancy firm’s data was accessed or exfiltrated, so the attack resulted in limited legal and regulatory costs.

However, the management consultancy firm could not access its MYOB accounting system and three online servers for an extended time, causing significant interruptions to its business operations.

This incident underscores the potential risks and disruptions that cyber incidents can pose to business operations.

The Outcome

The management consultancy firm had a Cyber Liability and Privacy Protection insurance policy. It included automatic, full-limit coverage for insured losses from a covered incident affecting systems provided to the insured by an IT Service Provider, including Cloud Technology.

This policy was a result of careful consideration and understanding of the potential risks, highlighting the importance of making informed decisions when it comes to cyber insurance coverage.

With the assistance of a forensic accountant appointed under their policy, the accountant calculated the business interruption loss, which refers to the financial loss incurred due to the disruption of business operations, at $88,000.

Based on the forensic accountant’s report, the insurer approved and paid the firm’s claim for $88,000, demonstrating the effectiveness of the cyber insurance policy in mitigating the financial impact of the cyber incident.

Seeking Advice on Cyber Insurance

It’s advisable for businesses to take proactive steps to understand cyber risk and how to transfer cyber risk to insurance. When considering risk transfer, insurers will expect to see that you have a cyber risk management strategy that is suitable for the size of your business. It may include cyber response plans and insurance.

Determining the best course of action for your business can be challenging. Talk to cyber risk experts and engage a knowledgeable insurance adviser to help you navigate the risk transfer options most suited to your business operations.

You can also take advantage of Clear Insurance’s no-obligation risk and insurance review, which provides you with a detailed gap analysis report enabling you to make informed decisions on whether to keep, mitigate or transfer your risks to insurance.

Contact Clear Insurance today for advice.

Queensland clubs operating a courtesy bus service are now within a critical compliance window. The new safety management framework commenced on 20 February 2026, introducing expanded safety obligations and mandatory Safety Management Plans for all courtesy bus operators.  

Full compliance becomes mandatory on 20 August 2026. That’s less than five months away. 

These changes reinforce why robust safety systems matter, and build on the foundations clubs have already been putting in place, such as driver security checks. They also introduce new responsibilities that extend well beyond day-to-day operations, including formal duties for boards and management committees. 

This article summarises what has changed and what it means for your club. 

Key Dates

The table below outlines the critical compliance milestones for courtesy bus operators.

Please note: Clear Insurance provides general insurance advice and risk transfer solutions under our AFSL authorisation. We do not provide risk management consulting or safety compliance advice – that is outside the scope of our licence. For guidance on implementing Safety Management Plans and meeting your regulatory obligations, clubs should consult qualified risk management consultants or safety advisers or refer to guidance published by the Department of Transport and Main Roads. 

Updated: 25 June 2026

The violent assault incident inside Easts Leagues Club has prompted important conversations across the club community about preparedness and protection. For general managers and board members, it’s timely to consider how your club would respond in similar circumstances and whether your insurance arrangements provide adequate support.  

Beyond Property Damage

Traditional club insurance focuses on property damage and business interruption. These remain important. However, violent incidents can create different challenges. The Easts situation illustrates that while immediate physical damage may be limited, the wider impact on the club, its members, and the community is substantial. 

The Financial Impact of Closure 

Beyond immediate costs, clubs may face substantial financial losses if required to close temporarily following a violent incident. Police investigations could restrict access for days or weeks, while patron hesitancy may reduce trade during recovery. Lost gaming revenue, bar sales and function bookings can quickly erode financial position. Traditional business interruption policies typically require physical property damage to trigger coverage, potentially leaving clubs without income support when it’s needed most. 

What Standard Policies May Not Cover 

When such events occur, clubs face other immediate needs that existing policies may not address, for example: 

• Crisis Management Expertise may become essential. You could need access to professionals who understand how to coordinate with police, communicate with members, staff and the media, while protecting your club’s reputation during a traumatic period.

• Legal Representation emerges as another significant concern. Injured patrons and staff may pursue claims related to security measures, response procedures, or duty of care. Even clubs that act responsibly could need specialist legal representation to defend their position and demonstrate they met their obligations.

• Independent Investigation Services may provide crucial documentation of events. This could protect your club’s interests while showing transparency to members, authorities, and the broader community. When questions arise about what happened and how your club responded, having objective evidence may prove invaluable.

• Professional Counselling Support for affected staff and patrons may be needed. The psychological impact of witnessing or experiencing violence can be profound and long-lasting.

Specialised Coverage for Modern Risks

If you’re concerned that your club may not be adequately prepared for such incidents, insurance solutions are available that may suit your needs. For example, Deadly Weapons Protection insurance specifically addresses these devastating scenarios, responding when weapons are involved, including firearms, knives, syringes, corrosive substances, or vehicles used deliberately to cause harm. Importantly, the policy activates even when weapons are simply brandished rather than used, enabling early crisis intervention. 

The coverage connects you immediately with crisis management services, covers business interruption (consequential loss of profits), provides legal services during investigations, ensures proper documentation through investigation support, and offers counselling services to help your community heal. 

Your Board’s Duty of Care 

Every club board carries a duty of care extending to members, staff, and visitors. Part of meeting this obligation involves ensuring appropriate insurance protection for scenarios that, whilst rare, can have severe consequences when they occur. 

Need Advice on Your Insurance Program

Contact Clear Insurance on 1300 721 132 or email info@clearinsurance.com.au. Clear Insurance can review your current policies to help you understand how they would respond to a violent incident involving weapons. Understanding any insurance gaps allows you to make informed decisions about managing this risk. 

The incident at Easts Leagues Club reminds us that community clubs operate in an unpredictable environment. Sound governance means acknowledging these risks and ensuring your club has access to the expert support needed should the unthinkable occur. Your community and customers expect nothing less. 

Recent independent research commissioned by the National Insurance Brokers Association (NIBA) has quantified what many business owners already know intuitively: working with a professional insurance adviser delivers measurable value that goes far beyond simply placing a policy. 

Understanding the Insurance Adviser Advantage 

The landmark research, titled “Complexity to Clarity: The Broker Advantage,” surveyed 409 Australian business decision-makers and owners to understand the tangible impact insurance advisers have on business outcomes. The 7 findings are compelling and reinforce why partnering with an experienced insurance broker makes sound business sense. 

1. Save Valuable Time with Expert Insurance Guidance

Time is one of your most valuable resources as a business owner. The research found that engaging an insurance adviser saves businesses an average of 20 hours across the insurance process. This includes time saved understanding insurance needs (3.2 hours), finding and comparing policies (4.8 hours), completing paperwork and applications (2.3 hours), managing renewals (2.5 hours), and supporting claims (7.2 hours).

That’s 20 hours you can reinvest into running and growing your business, focusing on what you do best while your adviser handles the complexity of insurance management. 

2. Build Trust and Confidence in Your Insurance Program 

Trust is the foundation of any successful advisory relationship. The research revealed that 84% of businesses trust their adviser to act in their best interests, while 88% have confidence that their insurance cover is right for their business. 

At Clear Insurance, we earn this trust through expertise, transparency, and a genuine commitment to client outcomes. We take the time to understand your business, explain your options clearly, and ensure you have appropriate protection in place. 

3. Expert Claims Support When It Matters Most

When a claim occurs, having an advocate in your corner makes all the difference. The research demonstrated strong client satisfaction with claims assistance: 

• 95% of businesses view their adviser as critical to claims resolution 
• 98% report their claims have been successfully resolved 
• 95% say their adviser helped speed up the claims process 
• 91% believe their adviser’s involvement helped achieve a better outcome 

As one business owner from the survey noted: “We had a lot on our hands to deal with at that moment. It was our broker that did the job almost to its entirety. At the end we still got a perfect result.” 

Such an approach reflects our core value of care. At Clear Insurance, we stand beside you during challenging times, managing the claims process and advocating for fair outcomes so you can focus on business recovery. 

4. Comprehensive Risk Transfer Advice and Protection

Insurance advisers don’t just place policies; they help identify risks you may not have considered. The research found that 94% of businesses enhanced their risk transfer approach through additional cover or adjustments recommended by their adviser. 

Importantly, 89% of businesses felt this risk identification was helpful and valuable, with three in four taking action to either purchase additional cover or implement other risk management strategies. 

Such an approach demonstrates our commitment to competence. At Clear Insurance, we leverage our industry knowledge and experience to identify gaps in coverage and recommend solutions tailored to your specific business risks. 

5. Experience a Smoother Insurance Journey

Managing insurance doesn’t have to be stressful. The research showed 87% overall satisfaction with adviser services, with clients consistently praising advisers for “doing the heavy lifting” and making the process smooth and transparent. 

At Clear Insurance, our dedication to clarity means we explain insurance in plain language, walk you through your options, and ensure you understand what you’re covered for. No jargon, no confusion, just straightforward advice you can act on. 

6. Achieve Better Business Outcomes 

Perhaps most significantly, 91% of businesses say their insurance adviser helped them achieve better business outcomes, reinforcing the adviser’s role as a strategic partner rather than simply a transaction facilitator. 

7. Preparing for Future Business Challenges 

As businesses look toward 2035, the research reveals that client expectations are evolving. 79% of businesses believe they will need more strategic advice from their advisers in the coming decade, as they navigate: 

• Increased use of technology and automation (83% expect this to affect their business) 
• New and emerging risks (82%)
• Greater regulatory complexity (75%)
• More tailored insurance products (82%) 

Why Choose Clear Insurance as Your Insurance Adviser 

At Clear Insurance, we’re proud members of NIBA and subscribe to the NIBA Code of Conduct, demonstrating our commitment to professionalism, transparency, and ethical practice. As part of the Steadfast network (Australasia’s largest general insurance broker network), we combine local expertise with access to competitive insurance solutions and market-leading support. 

Our role isn’t just to find you insurance; it’s to understand your business, identify your risks, secure appropriate protection, and stand beside you when claims arise. We transform complexity into clarity, giving you the confidence to focus on what you do best. 

Experience Professional Insurance Advice for Your Business

If you’re currently managing your business insurance alone or unsure whether your current cover truly meets your needs, we’d welcome the opportunity to demonstrate the Clear Insurance difference. 

Contact Clear Insurance today for a no-obligation risk and insurance review that provides a detailed gap analysis of your risk transfer and insurance program. It’s the ideal way to receive an honest overview of your insurance program with the insights you need to make informed decisions about your next steps.  

Research Sources: 

This article references independent research commissioned by the National Insurance Brokers Association (NIBA): 

• “Complexity to Clarity: The Broker Advantage” research report (February 2026) 

• NIBA media release: “NIBA Unveils Sector-Defining Consumer Research” (18 February 2026) 

• Research fieldwork conducted by CoreData between September and October 2025, surveying 409 Australian business decision-makers and owners 

About NIBA: The National Insurance Brokers Association is the peak representative body for the general intermediated insurance market, representing approximately 380 member firms and over 14,000 brokers and authorised representatives across Australia. 

Claim Example: How an Expired Licence Could Leave Your Club Uninsured

Say a club’s courtesy bus is involved in a collision and the driver’s licence has expired. It is highly likely that the expired license will come to light during the claim investigation. In that case, the insurance policy may be deemed void for that trip, exposing the club to significant financial and legal exposure.

Such a scenario can be avoided by creating a simple register that requires monthly checks of your drivers to ensure they have valid licences before starting their shift.

It’s important not to rely upon conditions in employment contracts for drivers or employees to maintain a current driver’s licence.

Your motor vehicle insurance policy will have a clause that states it is the Club’s responsibility to ensure that operators abide by all regulations and laws. Compliance is required to ensure the insurance policy responds successfully in the event of a claim.

Your Insurance Policy Requirements for Driver and Security Licensing

Most motor vehicle public liability insurance policies place clear responsibility on venue operators to ensure all courtesy bus drivers hold current, valid licences appropriate for the vehicles they’re operating. This isn’t about insurance companies being difficult – it’s a fundamental requirement that protects both your patrons and your business.

The same principle applies to contracted security providers. It is best practice for your venue to verify and maintain evidence that your security company holds current public liability insurance. Should their insurance lapse and an incident occurs, the full responsibility of any claims falls to the club’s liability insurance policy creating potentially significant financial exposure to the club.

Key insurance requirements typically include:

Why Licence Management Matters More During Busy Periods

There are several reasons why it matters more during busy times for your venue, for example you may experience:

• Increased patron numbers and extended trading hours
• Higher demand for courtesy bus services to ensure patron safety
• Employ additional casual or relief drivers, and security staff
• More people relying on your services to get home safely
• Greater scrutiny on venue risk management and insurance compliance due to increased patronage

When you’re bringing on extra staff or engaging additional security providers to meet seasonal demand, the risk of overlooking licence and insurance certificate checks increases. Therefore, this is precisely when maintaining accurate driver licence registers and security provider insurance documentation becomes increasingly important for your club’s insurance coverage.

Simple Systems for Register Management

Protecting your venue doesn’t require complex processes. There are some simple steps you can take to help maintain good records of your courtesy bus drivers and security providers, which in turn will provide the evidence you need to support your risk transfer and insurance program:

For Courtesy Bus Drivers

• Maintain a driver licence register of all authorised drivers
• Record licence numbers and expiry dates in a central system
• Set calendar reminders 30 days before expiry dates
• Sight and copy current licences before each roster period
• Ensure the licence class matches your vehicle requirements
• Verify licence status through official channels when onboarding

For Security Providers:

• Request current public liability insurance certificates from your security company, yearly
• Record policy numbers and expiry dates in your register
• Set calendar reminders 30 days before expiry dates
• Obtain updated certificates before engaging services each year
• Keep copies of all current certificates on file
• Verify their cover is appropriate for your venue type and activities
• Request immediate notification if their insurance status changes

Best Practices for Community Clubs

There are several practical steps you can consider that aim to strengthen your driver and security verification processes. You may wish to implement:

A robust checking system:

• Develop a simple spreadsheet with automated expiry date alerts
• Assign one person responsibility for monthly register reviews
• Build licence and certificate checks into your onboarding process
• Include verification in your pre-shift checklist during peak periods
• Communicate clearly with drivers and security providers about renewal timeframes and responsibilities

A process to build accurate records:

• Photograph or scan all licences and insurance certificates for your records
• Note the date you verified each licence
• Record who conducted the verification
• Maintain a log of any renewals
• Store documentation securely but accessibly

The Benefits Beyond Insurance Compliance

While maintaining these registers helps to protect your courtesy bus insurance and public liability coverage, the overall benefits extend beyond your insurance program. For example, it can also:

• Demonstrate your duty of care to patrons and staff
• Support compliance with hospitality venue regulatory requirements
• Provide clear documentation if questions arise during claims
• Create accountability across your team and service providers
• Give you confidence in your operations
• Protect your reputation in the community
• Reduce potential legal liability exposure

Pre-Festive Season Checklist for Venue Operators

If you haven’t reviewed your driver and security registers recently, now is the perfect time. A quick audit today could save significant headaches this festive season.

• Do all current drivers on your register have current licences?
• Do you have copies of current driver licences on file?
• Are any drivers licences due to expire in the next 60 days?
• Do you have current public liability insurance certificates from all security providers?
• Are any security provider insurance certificates due to expire in the next 60 days?
• Do casual staff have their documentation ready for when you need them?
• Have you verified document authenticity through official channels?
• Is your register easily accessible for compliance checks?
• Do staff and providers know how to report renewals or changes to their licence or insurance cover?
• Have you briefed managers on verification procedures?

Frequently Asked Questions About Driver and Security Licence Management

How often should we check courtesy bus driver licences?

Best practice is to verify licences monthly, with additional checks whenever rostering casual or relief drivers. Always verify before the busy periods begin.

What happens if a driver’s licence expires on the day of their shift?

If a licence expires and an incident occurs, your insurance coverage may be void. Build in 30-day warning systems to prevent this scenario.

How often should we request updated insurance certificates from our security company?

Request certificates annually, and always before expiry. Set calendar reminders 30 days before expiry to ensure continuous coverage.

What documentation should we keep for insurance purposes?

Maintain copies of all current licences and insurance certificates, a dated register showing verification checks, and records of any communications about renewals. Keep these for at least seven years.

Can we rely on drivers and security companies to tell us when licences are expiring?

While they should notify you, the legal responsibility under your insurance policy rests with you, the venue operator. Implement your own tracking system rather than relying on employment contracts. Don’t forget, compliance with regulations and laws is the responsibility of the club and is a crucial factor in claim success.

Need advice on your risk transfer and insurance program?

Take advantage of the Clear Insurance no-obligation risk and insurance review for clarity on your current risk transfer and insurance program.  You’ll receive a detailed gap analysis report helping you to make informed decisions. Contact Clear Insurance today.

Understanding What True Insurance Value Means 

When assessing your club’s insurance program, it’s worth considering a broader value equation that goes beyond the bottom-line figure: 

Value = (Protection + Service + Expertise + Claims Outcomes) ÷ Cost 

This framework helps shift focus from simply finding the lowest premium to understanding the total return on your insurance investment—a critical distinction for clubs managing staff, members, assets and business continuity. 

The Real Cost of Club Insurance 

The premium is just one component of your insurance cost. Consider also what happens during a claim: coverage gaps that emerge when a patron is injured on your premises, exclusions that apply during flood damage to your gaming area, or limited support during a cyber incident affecting member data. 

These factors—often unclear at renewal time—can significantly impact your club’s actual out-of-pocket costs when protection is needed most. Hidden excesses, policy exclusions, and claims handling quality all influence the real value your club receives from its insurance program. 

Five Key Value Indicators for Club Insurance 

Consider benchmarking your insurance program against these essential elements: 

1. Taking a Strategic Approach to Insurance Management 

By taking a strategic approach to insurance, you can build a better understanding of your risk exposure and the level of coverage you actually receive from your insurance program. For example, you may consider:

• Risk exposure: Do you have a clear understanding of your risks, risk mitigation strategies and any insurance coverage gap relevant to your operations?

• Risk transfer: Does your risk transfer to insurance program adequately cover your gaming operations, liquor liability, food and beverage services, function spaces, events, and accommodation facilities? 

• High-quality advice: Are you receiving strategic risk and insurance advice that evolves with your venue’s needs, beyond annual insurance renewal administration? Your insurance adviser should understand the unique risks facing Australian clubs and hospitality venues and be on hand to advise on the insurance implications of business decisions, before you commit to new purchases, contracts or building works. 

• Claims support: Is your insurance adviser providing advice, advocacy and support throughout the claims process? When a claim occurs, responsive professional advocacy can make a difference. 

• Business changes: Does your risk and insurance program adapt to your club’s growth plans, renovations, and changing income? Whether you’re expanding gaming areas, renovating dining facilities, or adding additional spaces, your insurance should flex with your strategic direction. Likewise, it may contract with changing circumstances.  

• Level of service: Do you have clear benchmarks for service standards, response times, and outcomes to measure expectations? You should know what to expect from your insurance partner and how to measure their performance. 

Taking a Strategic Approach to Insurance Management 

Many successful clubs across Australia conduct regular value audits of their insurance programs. This includes reviewing how well coverage aligns with key revenue streams (gaming, food and beverage, functions, and accommodation) and evaluating adviser performance against measurable service standards. 

It’s worth considering the following questions: 

• Does your adviser provide risk improvement insights specific to hospitality operations? 
• How quickly are claims typically resolved? 
• How does your insurance program support your club’s strategic objectives? 
• Are you receiving proactive risk management advice, or just annual renewal paperwork? 

Talk to your adviser about any service issues. Professional risk and insurance advisers pride themselves on building long-term relationships with their clients and value client feedback.

Maximising Your Insurance Investment 

Your club’s insurance program represents a significant investment in protecting member assets and ensuring business continuity. Treating it as a strategic partnership, with clear performance expectations and regular evaluation, helps ensure you’re receiving optimal value for your members and operations.

After all, effective risk transfer isn’t simply minimising premium cost. It’s about maximising protection for the community club you have built over the years. 

Next Steps: Evaluating Your Current Program 

If you haven’t reviewed your club’s insurance program recently beyond premium comparison, now might be the time to conduct a comprehensive value assessment. Consider scheduling a strategic review that examines coverage adequacy, adviser performance, claims handling, and alignment with your club’s future direction. 

Remember, the right insurance partner should help you navigate the complex risk landscape facing Australian clubs; from regulatory compliance and duty of care obligations to emerging risks like cyber threats and climate-related events. 

If you need help with your risk and insurance program, consider taking advantage of Clear Insurance’s no obligation risk and insurance review for clarity and peace of mind.