Broker: “There’s a lot of misinformation out there” about BI claims

Business interruption (BI) policies are a hot topic in the insurance world – and Australia is no exception. A test case focused on BI claims denied by Hollard Insurance and HDI Global Specialty has been heard in the NSW Court of Appeal and is currently awaiting a decision. At the crux of the case are exclusion clauses in both…

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Business Insurance – what should every business consider?

Running a business has a number of responsibilities and associated risks whether you are a sole trader or global enterprise. Business insurance can protect you against the financial damage of business risks giving you peace of mind to concentrate on growing your business. In Australia, some insurances are compulsory – if you hire employees you…

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Top Brokerages 2020

So far, this year has been one of dramatic change. From the Black Summer bushfires, floods, hail and drought to the unprecedented COVID-19 global pandemic, 2020 has forced brokers to step up to help their clients survive. In this year’s edition of the Top Brokerages, IB set out to identify the brokerages that are leading their clients…

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FCA’s COVID-19 business interruption test case ruling revealed

Ken Dixon, Director of Dixon Insurance Brokers says “this as a great result prior to our client’s October 2 test case in the Appeals court of NSW in which the courts will be ruling on the Quarantine vs Biosecurity Act clauses in our Australian policy wordings” The day of judgement for the FCA business interruption…

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Business interruption insurance and pandemics – policy coverage issues

Read the full article published 11 September 2020 in Insurance Business magazine.   As a result of the current pandemic event and an omission by some insurers to update their pandemic exclusions, human infectious disease clauses for Business Interruption (BI) policies will come under close scrutiny by the courts. The BI policy normally covers only…

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When was the last time you thought about your insurance policy?

Are you sure you are covered? Don’t wait until you need to claim to discover your policy isn’t what you need. If you’ve had the same insurance for a while it’s quite likely that your circumstances have changed since the policy was first taken out. As part of our client service we can handle your…

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“Watershed moment”: Business interruption case fronts the Supreme Court

The insurance industry’s “watershed moment” is currently underway in the Supreme Court as it hears the contentious case of whether the coronavirus pandemic can be exempt from certain infectious diseases exclusions in business interruption policies. The Insurance Council of Australia (ICA), Hollard Insurance Company and HDI Global Specialty SE have each submitted pleadings to the…

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ICA, AFCA to seek clarity via business interruption test case

We are pleased to advise one of our client’s Business Interruption Claims is being used as a Test case in the Supreme Court and being represented by Clayton Ulz Lawyers. By representing our client’s requirements under their claim in a professional and proactive way with reference made to our emailed blogs and interpretation of the…

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The importance of keeping your details up-to-date

It’s a fast moving world, especially at the moment. Even though there’s so much going on, it’s essential to update your insurance broker any time your circumstances change to help ensure the cover you have in place is still appropriate for your enterprise. A popular business pivot many beer and spirit firms have undertaken in…

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Make sense of the insurance market

A hardening market can mean higher premiums and tougher underwriting decisions – so it pays to get an expert on your team. Like any market, the business insurance market experiences different cycles that can affect pricing and how easy it is to get cover. Depending on the stage of the cycle we’re in, this can…

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‘Lawyers’ picnic’: insurers face scrutiny on BI wordings

Business policy exclusions which still refer to an act of parliament that was repealed almost five years ago could leave Australian insurers facing a lengthy legal battle and possible class actions, legal sources have warned. Insurers have been clear that the vast majority of business interruption claims relating to the COVID-19 outbreak and associated shutdown…

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Managing cyber risks while staff work from home

Heightened cyber risks have emerged as a serious issue, given most businesses now have many staff working from home. So it’s important to put in place policies and procedures to ensure data is secure no matter where staff are located. Helping staff to recognise and avoid risky behaviours is also part of a great cyber…

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Protecting Your Commercial Assets In Business

For business owners in Australia, insurance needs to be a priority. With so many potential threats to a business, having the right insurance coverage can keep your business and your personal finances significantly safer. The challenge for Australian entrepreneurs is that there are so many different types of insurance policies available that it can often…

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Congratulations Ken Dixon!

Our very own Ken Dixon has been awarded an Elite Broker of 2020! Ken ranked no.10 for the Insurance Business Elite Brokers Award. The Insurance Business Elite Brokers ranking system is an objective means of ranking the best-performing insurance brokers in the country – not just those with the biggest portfolios or the largest clients. Each broker was…

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COVID-2019 & Insurance

While Australia has been relatively protected from the spread of Coronavirus (COVID-2019), many businesses have been disrupted due to travel, import and or export restrictions. The purpose of this paper is to explain and warn that general insurance is unlikely to provide the protection that it does for traditional risks such as fire, burglary or…

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Bushfires and business interruption

Some insurers have already started to pay claims to bushfire-affected businesses on the NSW South Coast, as their business interruption insurance policy provides for weekly payments. Having this support has been important for affected firms to stay in business. It allows them to maintain their cash flow and pay regular outgoings such as rent and…

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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…

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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.…

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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…

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nolans-transport

Nolans Interstate Transport awarded Large Carrier of the Year.

We’re very proud to share news on Dixon Insurance client Nolans Interstate Transport. This article was published in Prime Mover magazine on 15th November. Two of Woolworths Group’s transport partners have been formally recognised for outstanding performance in safety, compliance and service at the seventh annual Supply Chain Transport Safety Day. Nolan’s Interstate Transport was…

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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…

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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…

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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,…

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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…

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What is Volunteer Insurance?

Whether you run a charity, a not-for-profit, or regular live events, volunteer insurance exists to protect both you and the volunteers that work for you. From music festival ticket collectors to ongoing charity work, volunteers are often the most important part of your organisation, and they need to be protected from accidents. Volunteer Insurance will…

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What you need to know about landlord insurance

If you’ve scrimped and saved in the hopes of achieving financial security through an investment property it makes sense to insure such a valuable asset. It’s no secret that Australians are among the most real-estate obsessed people in the world. Around two million Australians own an investment property. A disproportionate number of these people have…

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How to Minimise Being Underinsured

Many Australians, especially those who own businesses, discover they don’t have the cover they need in the worst possible circumstances. Insurance is one of those subjects that many people glaze over. So, just to test how knowledgeable you are about this important but unsexy topic, see how many of the following you can answer. Questions…

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2018 Elite Broker Awards

It is that time of the year again and we are proud to advise Ken has again ranked highly in the Elite Broker Awards for 2018 with a 5th place ranking.   Welcome to the 2018 Insurance Business Elite Brokers list. This is the sixth consecutive year in which Insurance Business has conducted its annual search…

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2017 Elite Broker Awards Announced

It is with great pleasure that we announce Ken Dixon has again ranked in the top 30 Elite Brokers ranking conducted by Insurance Business. Each year Insurance Business strives to find the top 30 Insurance Brokers who are deemed to be at the top of their game. For a 4th year straight in this elite…

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ASIC ‘crack down’ in wake of Youi allegations

At Dixon Insurance, we have always championed the transparent and client focused service we provide to our clients. As Insurance Professionals, we are held accountable for our decisions and advice we provide to our clients because Insurance Brokers act for the client…NOT the Insurer. Since it came to light that Youi is being investigated for…

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Direct Insurer Under Investigation

BREAKING NEWS: Insurer Youi under under ASIC investigation Accusations of dodgy sales tactics and defrauding customers have been levelled against Youi in Australia, mirroring recent charges laid against the company’s New Zealand branch. The South African insurer is now under investigation by the Australian Investment and Securities Commission (ASIC), according to a Fairfax report which…

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Australia’s 2016 Elite Brokers Announced

The annual Insurance Business Elite Broker rankings have again been released. This time for 2016. It is with great pleasure that we can advise Ken Dixon has again ranked in the top 30. In 2016, Ken’s placing is 11th. It is humbling to be consistently ranked in the Elite Broker awards. This result cannot be made…

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Authorised Broker Role Clarified

The Insurance Industry continues to use some terminology that confuses our clients. In an effort to provide clarity and to acknowledge the role we as brokers play, Jeff Hollands and Tremayne West, Directors of Westcourt General have taken an unprecedented step in ensuring that brokers within Westcourt are recognised as brokers. We are Authorised Representatives of…

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Anita Dixon Wins National Award

It is with great pleasure that we congratulate Anita Dixon on taking out the prestigious Broker Employee Award with Westcourt General Insurance Brokers. Very often we forget the effort and contribution of staff. Our licensee elected to expand the awards this year to recognise the talents shown by Brokerage Staff Members. Her committment to our…

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Insurance Broking License Fees Increase Looming

We have seen increases in government regulated fees across most industry sectors, from mining to transport, farming and manufacturing. Now it appears to be the Financial Services Industry’s turn to have increased fees imposed on us. Unfortunately, these sorts of imposts only mean premiums will rise as brokers seek to recoup the massive increases. The…

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Supporting Client Events

At Dixon Insurance Services, we look to support our clients and their events when we can. We were a sponsor at the 2014 Lockyer Valley Grower’s Association Gala Dinner and in 2015 attended the association’s Lockyer Valley Race Day. It was a day enjoyed by our staff and many of our clients. Catching up with…

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Claims Management

Part of our agreed service to clients is our ability and commitment to provide a wholistic approach to claims and the management of our client’s claims. There are times when the work we do falls outside the normal charter of insurance broking, such as when we spend countless hours attempting to recover additional costs the…

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Elite Broker 2015 Award

Australia’s Elite Brokers 2015

Australia’s top insurance brokers ranked and celebrated, including interviews with the best of the best WELCOME TO the 2015 Insurance Business Elite Brokers list. For three years now, Insurance Business has rated and ranked Australia’s insurance brokers to find the person worthy of the title ‘Australia’s Top Broker’. We’ve received a wealth of positive feedback…

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CGU recognises brilliant claims service

CGU recognises brilliant claims service

Dixon Insurance Services was ready and able to respond to client losses as a result of Cyclone Marcia in February 2015. Brendon Reck who owns the Terry White Chemist franchise in Rockhampton has been a long standing client and suffered significant damage and potential losses when water inundated the Stockland Shopping Centre in North Rockhampton.…

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Catastrophe declared in wake of cyclone

The ICA has announced that they have declared a catastrophe for parts of central Queensland that was rocked by Severe Tropical Cyclone Marcia last week. The storm, which made landfall at Yeppoon near Rockhampton, has created major damage in both cities with no deaths or serios injuries reported so far. ICA CEO Rob Whelan warned…

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Government Responds to TC Marcia

Government responds to TC Marcia Assistance available for affected residents of Rockhampton, Livingstone and Banana Brokers with clients from regions affected by Ex-Tropical Cyclone Marcia may be interested in passing on word of disaster recovery payments made available to hard-hit residents. The Federal Government has confirmed it will provide the Disaster Recovery Payment (DRP) to…

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Steadfast Goes From Strength To Strength

This is the latest news article from Insurance & Risk  Soft market no obstacle for Steadfast growth by James Chalmers | Broker Buzz 18 Feb 2015 Steadfast’s sights remain firmly set on growth, with the broking network announcing four new acquisitions. The firm released its half-year financial results on Monday, with fees and commissions up…

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CYBER RISKS ARE REAL

Many of you may recall that Sony had its records hacked a couple of years ago causing mayhem as many clients had credit card details stolen. Unfortunately, the modern technology age is showing it has loop holes and people are able to breech many security measures and steal information or hold business to ransom over…

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Nautilus Marine – Brilliant Claims Service

From: Ken Dixon [mailto:ken@dixoninsurance.com.au] Sent: Friday, 16 January 2015 4:54 PM To: Joshua Reid Cc: ‘Dale Sawkins’; Michelle Hislop Subject: THANK YOU – RE: Claim Ken Dixon 62132 – Sea Doo Supercharger Failure Importance: High   Thanks Josh Further to our many discussions, I want to congratulate you and Dale on the way in which…

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Westcourt General Excellence Awards

Ken Dixon Wins AR Of The Year 2014

Authorised representative network Westcourt has named Ken Dixon of Dixon Insurance Services as AR of the Year due to his outstanding achievement in all areas of his business. Up and Coming AR of the Year was awarded to Peter Palazzo of Essential Insurance Solutions in Mildura VIC who has made a considerable impression on the…

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Elite Broker - Insurance Business 2014

Dixon Insurance a 2014 Insurance Elite Broker

Australia’s top insurance brokers ranked and celebrated, with interviews with the best of the best. For reference and comparison, please check out last year’s Elite Brokers. METHODOLOGY Insurance Business objectively ranked the best-performing insurance brokers in the country. Each broker was required to supply details to Insurance Business, along with a contact who could verify…

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Dixon Insurance Services

FAQ – PI & LIABILITY POLICIES

CLIENT QUESTION – DO I KEEP OR CANCEL MY PI & LIABILITY POLICIES NOW THAT I AM NO LONGER CONTRACTING Client question in Late December 2014 QUESTION: As I mentioned to you earlier, I am now an employee of the company I was consulting to and I have no plans of using my consulting company…

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