Office Bearers Insurance is an important cover designed to provide protection to the Owners Corporation Committee members against losses arising from alleged wrongful acts committed in the course of carrying out their duties as the committee.
To safeguard you and your business against alleged or actual breaches of your professional duty, Professional Indemnity (PI) Insurance is essential to provide protection against financial losses incurred should legal action be taken against you or your strata management business.
Joanne and Eda from Axis happily giving blood!
In 2006, Lidia accepted a position to lead a brand on behalf of Whitbread that specialised in servicing the medical and dental industry.
Life Insurance provides financial protection to those you care for most. Should the worst happen, it pays a lump sum benefit to your loved ones.
Don’t assume a home and contents policy will provide the insurance cover required for your strata title, even if the properties don’t share a common wall.
Professional Indemnity Insurance protects any person or entity who provides advice, especially for a fee, against claims of negligence made against them. If a loss can be attributed to a failure to uphold professional standards by any employee, a Strata Manager risks being sued for a breach of duty.
Whitbread giving away our beloved chocolate, drinks and chips to those who need it more than we do!
Owners can now sue their builder up to 10 years after getting a certificate of occupancy.
While many insurance brokerages today are expanding through mergers and acquisitions, Whitbread Insurance Brokers are enjoying remarkable organic growth through our unwavering commitment to our founding values, and by empowering our clients, people and the community to thrive.
At one point in their working lives, 60% of Australians will be unable to work for a period of more than a month.
Strata Insurance is designed to protect you and your property as a lot owner. It provides general insurance cover for common property under the management of a strata title or body corporate entity. The premiums for strata insurance are typically shared amongst the lot owners as part of their strata...
There are 13 Australian Acts that companies must comply with*, including but not limited to;
Our stationary supplier, Make A Difference gives us 10 "MAD" points for every dollar we spend with their business.
Hacktivist targets Australian businesses websites.
Like any field of expertise, the idea is that you pay a little more upfront for greater savings down the track. This holds particularly true for properties that form part of a strata scheme (generally two or more lots on the one title).
Interestingly, Management Liability has evolved from the Director’s & Officer’s (D&O) Insurance and now encompasses the covers that were previously available under separate policies such as Employment Practices Liability, Fidelity Guarantee (Staff dishonesty), Tax Probe, Statutory Liability and several other sections.
Whitbread staff get involved with RedR in support of assisting communities devastated by conflict or major natural disasters.
Stay up to date with the latest Whitbread Insurance and Foundation news and follow us on Twitter @whitbreadinsure
If you’ve appointed a tradesperson or caretaker to perform maintenance duties at a strata property, and the contractor doesn’t have Public Liability Insurance, you could be exposed to a Professional Indemnity claim if something goes wrong.
Event organised by Whitbread to help raise money for the Victorian flood relief appeal.
Christine Khor, MD of Chorus Executive being interviewed on why she chose #whitbread.
Whitbread company director, John Paul Whitbread was interviewed by The Age about the escalating cost of insurance, due to premium increases and the soaring fire service levy.
Strata Insurance provides cover for a range of circumstances specifically related to living in a strata community, including:
According to Dr Allan Manning, approximately 84% of SMEs think they are fully insured but almost half fail after an insurable loss as they don’t have critical insurance covers such as Business Interruption Insurance.
Whitbread organises a Toy & Food Appeal for Anglicare for Christmas
1 in 5 mortgagors have NOT purchased building #insurance, a substantial increase from 1 in 25 uninsured in 2013.
“Tenants broke a waste pipe which is attached to a wall inside the garage. They hit it whilst entering or exiting the garage. The owner has asked the Owners Corporation to have the pipe repaired. My question is who should pay for repair as the damage is obviously done by...
Business Interruption insurance protects businesses from a loss of income, explains Ross Cameron, Cameron Research Managing Director. “If your place burnt to the ground, you have fire insurance, but if you can’t pay your rent or for example, you still have ongoing costs from one of your suppliers getting flooded...
Kylie Payne from Scope is coming down on Wednesday 17th August to speak to staff about Scope Victoria and how they assist families and people with disabilities.. We are looking forward to it!
Are your clients' lives safer, easier and better as a result of your relationship with them? This creates true loyalty #ruready14#jameskane
Strata insurance policies are designed to provide cover in the event that a tree is blown over during a storm and causes damage to your property.
As a restaurateur, there is always a chance that you will incur costs as a result of a patron falling ill from dining in your restaurant. If you have Business Insurance or Public and Product Liability Insurance your first question might be - will my insurance policies cover me?
The Very Special Kids Party!!!!
How energy efficient are you #tenants? Check out City Switch for methods to reduce energy consumption costs
At Whitbread, we place the claims performance of an insurer right alongside the quality of coverage and price of its policies when it comes to recommending an insurance policy that responds to your specific requirements.
Insurance, particularly Business Insurance, is one area of specialised knowledge that can prove to be a quagmire of information for people who are not experts in this field.
Over the past 12 months, 16 staff have been regular blood donors, we have visited the blood bank 4 times and given approximately 15 litres of blood. Well Done to Vampire Club. You are true Australian Heroes!
It is with great sadness that we advise our friends, clients and business associates that John Whitbread passed away on Saturday 13th February, 2010.
According to Renee Cassidy, Whitbread Claims Manager, Strata Managers and unit owners generally seek the same result; the expeditious and satisfactory resolution of claims.
The Australian has reported a hacking incident, allegedly by the Syrian Electronic Army, that closed down access to The New York Times’ official website.
Enjoying the Anglicare Dinner with the Angels.. Raising much needed funds for Victoria's most vulnerable children
Weekly wrap: #Insurance broker foundation reaches $1m milestone.
Due to the vast quantity of information collected by the medical industry, only recently has the industry begun to implement online and document management systems in which to store patient data on a large scale.
We are having a fundraising party day to raise funds for The Very Special Kids Piggy Bank Appeal in September!YUMMY YUMMY PIZZA!WII Mario Kart competition and heaps of yummy food!Funds raised will go towards the Very Special Kids Piggy Bank AppealCan't wait!!!!
Be helpful and educate your clients, start a podcast" - Tim Reid
Strata Insurance policies do provide storm cover but do not provide flood cover. Flood cover may be requested by Owners Corporations and Insurers will assess their willingness to offer flood based on the location of property and the proximity of water ways as defined. This extension of cover, if granted,...
Just as accountants can save you thousands of dollars through their deep knowledge of taxation law, insurance brokers have the knowledge to cut through the confusion and complexity of insurance-buying to negotiate the best cover at the best possible price for their clients.
One responsibility of an Owners Corporation committee is to ensure the property is insured for full replacement and reinstatement value. A professional property valuer can determine this for the Owners Corporation committee.
Hundreds of Aussies have had up to $10 million siphoned from their bank accounts in an elaborate #cyber sting.
In 2012, the Insurance Council of Australia (ICA) introduced a statutory definition of ‘flood’ for insurance contracts. The main objectives of the legislation were to standardise the scope of cover as well as reduce consumer confusion.
The Claims department were busy this morning cooking up a storm (more like high winds) at Anglicare's breakfast for the homeless at St Peter's Melbourne. Thanks Renee, Viktoriya and Dom.
Australia’s forests have adapted to tens of thousands of years of summer fires which clean out the undergrowth and enable new life to grow from the ashes. Add people to the mix and the situation changes.
“@SCA_beck: Pool overflows in penthouse apartment via @theage” #strata committee and owner sued for $75k damages
In the article, Jeannette Anderson, founder of strata report compiling company Strata Data WA, says, “The developers sometimes set unrealistic budgets. When they have sold 60 to 70 per cent of the apartments, they transfer ownership [of the strata company] to the owners. “In the first year of the handover,...
According to Chubb Insurance Company of Australia Ltd, water damage is one of the most common causes of household insurances claims each year, often resulting in lengthy and costly repairs.
AFL Final Footy Day!
Whilst Strata Insurance will cover the building, common property and legal liability in the common areas of your strata title property, it does not cover the contents of your property or liability within your property.
Thanks Kara, Hayley & Claire for volunteering @AnglicareVic homeless breakfast. You look fabulous in your aprons!
As Gold Sponsors of the SCA and with more than 35 years’ experience in the Strata industry, our aim is to help you manage risk so you can think beyond the day to day. For us, helping our business partners is not just about protecting the ‘now’ – it’s about...
These changes take effect from 12 March 2014 and will have significant impact on the way companies collect and deal with various forms of personal information.
The crew and the toys for the Anglicare Christmas Drive.
We did it! @AuVSK#vsktreadmill Challenge 2014. Congrats to everyone who participated. #givingback#greatcause
Subsequent to the Financial Services Reform Act (FSRA) in 2004 that now forms part of the Corporation Act, the Financial Services Industry, which incorporates the Insurance industry, has undergone radical changes as to how they provide financial service information.
The requirement applies to all tax and business activity statement (BAS) advisers who provide tax and BAS services for a fee.
The set up for the Anglicare BBQ breakfast at St Peters Eastern Hill.. Everyone really appreciated the warm breakfast on a chilly Melbourne morning, such a great job Louise and her team are doing for the homeless people of Melbourne..
While having minimal cover or reducing the scope of your Landlord Insurance is not something we recommend, we understand the importance of getting the best value for money when taking out Landlord Insurance. In saying this however, it is essential that your chosen insurance policy provides adequate coverage and financial...
Michael Nugent from Bencorp is sharing his wealth of #strata knowledge with the team today.
If there’s one thing we’ve learnt from broking Strata Insurance for 40 years, it’s that there’s a lot of confusion about the various types of cover required by people living in strata-titled properties. In short, it’s hard to know where one policy ends and the next begins.
The “hacktivist” group, Anonymous Indonesia tweeted that they had hacked more than 100 Australian websites, replacing their websites with the message “Stop spying on Indonesia!”
Help our friends in Africa by participating in the Zimele Walkathon - Sunday 14 October - Yarra Bend Park, Fairfield.The following organisations are proud sponsors of the event: Sun Engineering, Whitbread Foundation, Baldasso Cortese Architects, SKC Old Boys Footy, SKC Old Boys Athletics, Maxis, Make a Difference Office Supplies, Friends...
Extortion can occur through both physical and cyber means. Common extortion culprits may include disgruntled employees, bitter competitors, opportunistic criminals or computer hackers.
A big thank you to everyone who visited our stand at the @StrataCommunity national conference. We had a great time!
Whitbread Strata Insurance expert Lia de Sousa dishes out her best advice to ensure your insurance is not compromised when performing renovations to your property.
The Australian Competition and Consumer Commission reported that they received more than 28,000 reports of so-called advanced fee fraud, but police say many more cases are not reported because of the social stigma involved in falling for a scam.
Feeling energetic? Come join JP Whitbread at the Zimele Walkathon! Saturday 14th October!!
Without a Corporate Travel Insurance policy, your business could end up footing the bill for losses that run into thousands of dollars for disrupted flights, medical expenses, lost or stolen money – these are just to name a few.
Our #Strata#Insurance team is at the @StrataCommunity Vic Symposium today. Drop by for barista brewed coffee!
A significant increase in the theft of and from cars parked “securely” in Melbourne underground apartment blocks has prompted authorities to issue a serious warning to residents, with police urging apartment dwellers to exercise much greater caution when parking their car.
The Pharmacy Board of Australia has issued a warning about the threat with at least 10 pharmacists targeted in the last 18 months, according to an article posted by ABC technology reporters Jake Sturmer and Alison McClymont – Thu 16 Jan 2014, 8:17pm AEDT.
Cooking up a storm for the Scope BBQ! Great food today! Loved the dim sims & hash browns!!!
In general, the business community has been slow to focus on the potential environmental impact of its operations - both retrospectively and into the future. However, with pressure mounting on organisations to behave in an ethically responsible manner, it has become impossible to turn a blind eye.
An engineering inspection scheme for #strata properties assesses resilience of properties & could push down premiums http://www.insurancebusinessonline.com.au/news/independent-inspectors-could-rectify-stratatitle-issues-189649.aspx …
Strata Insurance – a compulsory policy – provides general insurance cover for the strata building, shared or ‘common’ areas, common property and common contents – basically anything your and their neighbours own collectively.
As reported by the 7:30 Report in January 2014, internet fraud is costing Australians in excess of $7 million a month.
Once again, Anglicare Victoria are running a Toy & Food Appeal for Christmas.. There is less than a month to go before Christmas, so why not pick something up while you're out shopping and bring it into work or to Anglicare so families and kids won't go without this year.
It is not just the organisation which faces these risks. Board members and senior managers can also be held personally accountable for their actions or failure to act in certain circumstances.
64% of IT decision-makers said they expect their org to be the target of a #cyber attack within the next 12 months.
“Also known as a solicitor letter, a LOD is a formal notice demanding that the person to whom the letter is addressed perform an alleged legal obligation such as rectifying some identified problem, paying a sum of money or acting on a contractual commitment.
Enjoying the Anglicare Dinner with the Angels.
Family brokerage expands into life insurance.
It’s Saturday night and you’re catching up over a few quiet drinks with friends who tell you about this wonderful new way of making money off your property – Airbnb. This prospect gets your brain ticking.
Whitbread wishes to congratulate Ivanka Mikulic who was awarded the John Whitbread Group Service Award for 2011 at the company End of Financial Year dinner on Saturday 2nd July.
On Wednesday 5th December, it was International Volunteer Day (IVD) and again a group of Whitbread staff volunteered to cook a hot breakfast for the homeless. Congratulations and thank you to all the Whitbread Group staff who volunteered in 2012 to help Anglicare Victoria cook breakfast for the homeless.
A breach of your business systems has the potential to cause enormous damage to your bottom line and reputation. Stolen credit card numbers, financial reports, medical records, birth dates and the loss of sensitive personal data can leave your business unable to operate and exposed to litigation and / or...
Are you or do you know an #insurance#broker looking for a new opportunity? Get in touch with us!
Where your Unit suffers damage accepted as a claim under the Strata policy, and is unable / unfit to be occupied for its intended purpose.
Helping to make this Christmas a merry one for those in need.
Management Liability Insurance is a cover we highly recommend for all businesses.
Quin Scalzo of Scalzo Foods on what he values about his relationship with Whitbread
It’s a stormy day, and the wind has been howling all afternoon amid heavy downpours and pelting hail. You approach your driveway after a long day at work, and as you pull in, your eyes widen at the sight that greets you – a large gum tree on the property...
A big thank you to Michelle S and Nav for collecting toys for the Melbourne City Mission - ABC Stores Giving Trees on Christmas Eve.
Please be advised that there is a ransom ware Cryptolocker virus circulating via email. This ransom ware that encrypts all files on the user's computer and network drives, arrives by email stating that there is a parcel ready to be picked up from a local Australia Post office.
See News.com.au's article for more information regarding data leaks and how your personal information is at risk.
We received a certificate today recognising the Whitbread Vampire Club's support of the Australian Red Cross Blood Service. Well done to all the Whitbread and Axis people who were willing to donate last year!
Professional Indemnity Insurance is essential in today’s litigious business environment, and forms an important part of any business risk management strategy. It is designed to protect the professional person or firm from damages and legal costs as a result of an act, error or omission in their professional capacity.
Whitbread attends, displays and talks all things Franchisee at the Foodco. Conference in the Gold Coast.
With high demand for property and inner city living, apartment buildings are popping up at record pace. However, with contractors under pressure to meet increasingly tight deadlines, we have seen corners cut and compromises made like never before.
Dallas Booth, CEO of NIBA, congratulated Jessica Wilson for the high standard of work submitted to complete the Diploma of Financial Services. Jessica’s achievement will be recognised in the student of Excellence section of the NIBA bi monthly journal - Insurance & Risk Professional and in the NIBA Gazette.
Thanks to everyone who contributed to the Anglicare Toy & Food Appeal!
If you do not agree with the reason your claim has been denied, or you feel the insurer’s decision lacks sufficient reasoning, you will always have the means available to escalate the matter further.
Michael Giansiracusa listens intently to Brad Fox, Association of Financial Advisers CEO at the Affinia Conference in Tokyo.
In the context of a Strata Insurance policy, a Certificate of Currency is a document which confirms that the insurance policy for the property is current and valid for the date on which the certificate is issued.
The content of this article was somewhat confusing for us at Whitbread as the Fire Service Levy was abolished on 1st July 2013 as explained in our post in March 2013.
Blood donation time!
Professional Indemnity Insurance is essential in today’s business environment and forms an important part of any business risk management strategy. It protects the professional person or firm from damages and legal costs as a result of an act, error or omission in their professional capacity.
Angela Whitbread, chair of Whitbread Board of Directors welcoming everyone to new Melbourne premises on Collins St.
To avoid the sometimes costly mishaps that can occur over the holiday season, we have created a timely list of reminders to help you avoid any disasters in the home.
Banks will also explain the risks of underinsurance according to an article posted by news.com.au. Click here to read the full article.
Happy International Women's Day!
If you do not agree with your insurance claim being denied, and feel the insurer’s decision lacks sufficient reasoning, there are two levels of claim dispute escalation available to you:
It was ruled that insurers can pay defence costs under D&O policies before any third-party claim on the insurance policy proceeds.
Lunch time BBQ this Friday!!! Casual day as well! Money raised will be going to The Warwick Foundation Australia YUM!
Here's a scary statistic, 30% of Australian businesses experience #CyberCrime. How are you protecting your business?
Association Liability Insurance provides protection for the organisation as well as its Directors and Officers from a range of exposures relating to employment practices, fraud or fines and penalties. It also extends to protect against errors and omissions claims that may occur in the provision of advice and training.
Strata Insurance policies generally cover material damage as a result of an insured peril to the building structure/s, fixed plant, machinery and underground services. The policy also generally extends to provide cover for proprietors’ fixtures, fittings and improvements which form part of the building.
Two homes were destroyed in the fires and meteorologists are warning that Sydney could continue to see warmer than normal conditions for most of September and October, with 1.3 million households in the state classified as “high-risk” this bushfire season.
JP has been working hard, training for a 42km marathon in Kenya on the 29th June and he needs your help to raise $10,000 for Zimele! Details on the attached flyer! Go to www.trybooking.com.au/43059 to donate!
These situations are a timely reminder for businesses in the manufacturing, processing and goods distribution industry to ensure their insurance program provides adequate cover for product recalls.
The presence of non-compliant cladding in a building is a very serious issue, and while nobody lost their life in this instance, a similar fire in a building which features the cladding could see far graver consequences.
To refresh your memory on what we covered in Crisis Management Part 1 and put this article into context – please click here.
From a field of 65 candidates, there were nine winners announced, plus those awarded Highly Commended.
The Whitbread team are ready - stand 43, now just waiting for the people to arrive @StrataCommunity Conference ACT
Swiss Re’s report looks closely at the top 21 economic, technological, environmental and socio-political trends that are threatening businesses, their potential impact and the cascading effect they may have right across the risk landscape into the future.
For a comprehensive background on Crisis Management, or to refresh your memory on what we covered in Parts 1 and 2 of our Crisis Management series, please click the relevant links below.
Congratulations to John Paul Whitbread on completing the Lewa Marathon in Kenya. A BIG thank you to all those who supported John Paul in reaching his fundraising target of $10,000 for Zimele. You are all awesome!!
Irrespective of what you do for a living, there is a certain element of risk associated with owning and running a business.
Thanks to Heidi, Angela and Claire who helped out at the Anglicare Victoria homeless breakfast today. The Whitbread Team showed off their cooking skills flipping eggs and crisping bacon like master chefs
Personal contents, often those of great value, are kept in storage cages and sadly this makes them an attractive target for criminals.
In terms of insurance, there are many more risks your property can face when your home is temporarily unoccupied.
Get your friends together and enjoy a great night out at the Bluestone Restaurant and Bar, Friday 26th July and raise funds for The Hunger Project Australia!
Many Strata residents often volunteer to do useful jobs around a Strata property. Whether it be taking rubbish bins out, mowing the lawn or doing a bit of handywork in the common area, volunteering can come in many forms. Unfortunately however volunteers can sometimes sustain unexpected injuries.
In an article published by Fairfax Media, Samarco mine disaster: BHP’s reputation on the line as tragedy deepens award winning journalist Adele Ferguson succinctly identifies the very real and highly damaging issues organisations face when things go terribly wrong.
Delicious burgers and snags!
It can be very tempting to just “go with the flow” when it comes to your insurance – at the end of the day you’ve paid your premium and ‘you’re covered’! But what happens if your situation has changed since your last renewal? Maybe you’ve renovated your house, you have...
Even though most homeowners do have Home Insurance, a worrying proportion of people do not insure for the amount required to rebuild and replace their home in a total loss. This makes them underinsured.
$15,000 for The Hunger Project - that's what was raised on Friday night. Thank you to everyone who attended, donated or bought items in the silent auction.
After a concerned OC (Owner’s Corporation) committee member came to us with the question below, we decided to address the issue in more detail to help you understand the potential fallout similar situations may have.
AFL Grand Final lunch day today!!We're excited for snag rolls & piesEven more excited that all funds raised today will go towards the Very Special Kids Piggy Bank Appeal! So dig deep and eat lots!
Turn the taps off to your washing machine, dishwasher and/or fridge. If a washer or hose breaks while you’re away and a tap is still on, you could end up with a flooded home!
While many of the new laws affecting Strata Managers relate to disclosure, there are also several key changes with respect to insurance.
We took the message of Anti-Poverty week to a conference we attended last week. We reduced our usual spend on corporate gifts and instead for every business card dropped at our stand we made a donation to The Victorian Homeless Fund.
Whether you are an AR, a Distributor, or an Australian Financial Services Licence (AFSL) holder, you are legally required to provide all clients with the following documentation;
A dry winter across most of Australia, combined with widespread drought, has again created perfect conditions for a severe bushfire season going into 2019.
“Also known as a solicitor letter, a LOD is a formal notice demanding that the person to whom the letter is addressed, perform an alleged legal obligation such as rectifying some identified problem, paying a sum of money or acting on a contractual commitment.
Whitbread Insurance Brokers took to the green for the Scope Whitbread Golf Challenge. Whilst our teams did not find themselves in the Gold Jacket they had a ball with some of our golf enthusiast clients. Whitbread have supported the Hole in 1 challenge for the last eight years and have...
"The average woman in Australia is only 92 days away from financial ruin. For men, that period is an ever-so-slightly more comforting buffer of 120 days." according to an article published by news.com.au on November 20, 2014.
An interesting query regarding unknown business stock being kept in the garage of a residential strata building was sent into Whitbread recently. We have addressed this somewhat concerning issue below.
According to an article published in the Herald Sun, “Superintendent Tim Hansen said that the holiday season was also peak season for burglars: last January, they raided an average of one home every 16 minutes. Cash, jewellery and computer equipment were the most common items stolen."
What girl can resist a lolly buffet? Whitbread Insurance Brokers and Melbourne Building Management sponsored the lolly buffet at the 13th Annual Mad Foundation Ball held last night.
Note: Some information in this article has been generously provided by Whitbread partner, and leading Australian IT specialists, Surety[IT].
Whitbread recently received a query from a NSW property owner, courtesy of LookUpStrata…
What a big week it was! We started the week sponsoring the lolly buffet at the Mad Foundation Ball. Then on Wednesday our people assisted with the Anglicare Victoria's breakfast for the homeless at St Peter's Cathedral.
Although all claims lodged through Whitbread are actioned within 24 hours of notification, there are emergency situations where you may require urgent after hours assistance.
A tarnished reputation has the potential to reduce the number of individuals that trust, and are willing to donate to a NFP. Given the heavy reliance most NFPs have on donor contributions, as well as the fierce competition in attracting donor dollars, a cyber breach, coupled with possible legal action...
The Whitbread Foundation is very proud to announce a donation to Zimele in support of their Education For Life Ministry in Eldoret, Kenya. Do you know what the word Zimele means? Answer in comments. To learn more about their work in Africa visit http://www.zimele.org/
The Insurance Council of Australia (ICA) has declared the recent storms in NSW a catastrophe event. The regions affected in particular include – Central Coast, Hunter, Greater Sydney Metropolitan and Illawara regions, all suffering widespread damage.
Pay insurance premiums by the month
In what is becoming an increasingly litigious society, all Owners Corporation (OC) Committees should have the appropriate cover to protect themselves against risk exposures associated with Strata properties.
Here we address the ins and outs of flood cover, and whether you can include flood cover within your Residential Strata Insurance policy.
It's so wonderful to see our employees living and breathing the Whitbread values of Corporate Conscience. Congratulations to commercial broker, Adam Luscombe, who has taken the initiative upon himself to raise funds for Anglicare Victoria. Find out more about Adam's pledge here. http://www.whitbread.com.au/corporate-conscience-comes-to-life-at-whitbread/
On 30th April 2015, the National Insurance Brokers Association (NIBA) released a statement in response to this new offering, cautioning people against obtaining Strata insurance directly from an insurer as opposed to going through a broker.
Excesses can be a confusing area when it comes to Strata Insurance claims, particularly around who is responsible for paying the excess. Whitbread's Strata Insurance specialists sought to provide some clarity on this issue in a recent LookUpStrata Q&A article when asked about a specific Strata Insurance Claim.
Business Interruption (BI), also known as Consequential Loss insurance, is an essential insurance cover that helps maintain a business’s income should it be forced to cease trading, or reduce trading capacity for a specified period of time, due to an insured event impacting the business’s gross profit e.g.
Huge congratulations to Adam Luscombe, who this morning made good on his promise to provide Anglicare Victoria with a new fridge for their kitchen.
Ensure you’ve turned off water taps to your dishwasher and washing machine just in case a washer or hose breaks while you’re away. Similarly, unplug any non-essential electrical items to ensure they don’t become damaged in the event of a power surge.
Whitbread Foundation announces support for the Asylum Seeker Resource Centre.
Getting closer to reaching our pledge goal for this financial year. It’s even more than last year!
The top ten causes of driving distraction are listed below as published by the National Highway Traffic Safety Administration (NHTSA).
Unfortunately the frequency Strata Managers are faced with these issues is growing, and none are a problem that can be brushed aside. Strata Managers may either be held liable or joined in legal action if they have failed, or been alleged to have failed to disclose true information in relation...
Whitbread people were out this morning, flipping eggs, frying bacon and putting the love into the hash browns for Anglicare Victoria's breakfast for the homeless. Such a great way to start the day, doing something that promotes community. Thanks Lyn, Claire and Damien
The Australian Cyber Security Centre (ACSC) released its first ever public national cyber threat report in 2015 exposing just how rampant and dangerous cyber risk is for Australian businesses.
This article outlines several common forms of cyber attacks to watch out for, as well as key strategic measures your business can implement to minimise exposures and associated losses.
Cybercrime has been a hot topic in the news recently, making headlines around the world.
It has been the prediction of many experts, that this coming summer will see multiple regions across Australia face a higher than usual bushfire risk. These regions include NSW, Victoria, Southern Queensland and WA.
International Women's Day theme for 2014 is Inspiring Change. Studies have shown that when women are empowered, all of society benefits. The Hunger Project, a charity the Whitbread Foundation has supported for the past 2 years, believes that empowering women as equal partners in their communities is essential for achieving...
Strata Insurance provides cover for a range of circumstances specifically related to living in a strata community, including:
Happy International Happiness Day!! In July 2012, the United Nations General Assembly called for happiness to be given greater priority. The UN declared 20 March each year as the International Day of Happiness - A day to inspire action for a happier world.We are celebrating this great day by encouraging...
Whitbread are excited to be attending the Master Locksmiths Association 2015 Conference & Trade Expo at Twin Waters, QLD this week from the 22nd – 24th October.
Melbourne City Mission's Academy Program is ensuring that Melbourne's disadvantaged and homeless children have access to an education. The Whitbread Foundation is so pleased to continue its support of this program in 2014. Thanks to Cam Smith of Melbourne City Mission for showing us the King Street Academy.
Hackers were found to have breached the systems at Aussie Farmers Direct, in an attempt to blackmail the business for money, before they released the private customer data online.
With 40 years in the Strata Management insurance space, Whitbread’s team of commercial insurance specialists have outlined some key areas for you to check up on.
Great feeling to have completed the Very Special Kids 24 hour Treadmill Challenge. Congratulations to Whitbread people, family, friends and St Kevin's Old Boys Football Club who helped keep the treadmill going. A special mention to Damien Hamilton who ran the grave yard shift, 3:30 -5 am, awesome effort.
After an Australian Federal Senate Inquiry and multiple investigations, we have reached a tipping point, and 2018 is finally seeing some action. Regulatory changes and laws drafted to either ban or control the use of various types of cladding will come into play, helping ensure the safety of countless buildings...
It has today been reported by ABC News that a 'massive' cyber attack has occurred at the Australian Bureau of Meteorology.
Strata Insurance policies exclude certain fixtures and general contents within individual units (e.g. carpets, curtains, blinds, light fittings and un-fixed electrical appliances). Accordingly, it is essential for strata unit owners and tenants to cover these items for their full value under Landlords or Contents Insurance.
The Whitbread ladies were up early this morning cooking the BBQ at the Anglicare Victoria breakfast for the homeless. Thanks Hayley, Kara and Claire.
With each New Year comes the release of more advanced technology. Unfortunately along with these exciting advances comes new exposures to Cybercrime, with hackers continually unleashing new methods through which to target and exploit individuals.
In order to accurately underwrite a Strata Insurance policy, insurers are requiring a lot more information when placing new business or renewing Strata Insurance policies. Whitbread are Strata Insurance specialists, and can advise you of all the information insurers require.
Now here's a BIG milestone we are very proud of. Thank you to all the Whitbread & Axis people whose hard work enables us to invest in charities that are making a HUGE difference in our world. Thank you also to our clients that support our family business.
Such events often lead to extremely volatile and dangerous periods of civil unrest as tensions reach boiling point, and unfortunately it can be inevitable for tourists to become caught in the fallout.
In most cases, an insurer’s position when denying a claim is well substantiated, with denial letters clearly identifying reason(s) why a claim was declined, generally referring to extracts from their policy wording to support the decision.
International Women's Day theme for 2014 is Inspiring Change. Studies have shown that when women are empowered, all of society benefits.
Did you know that the annual uninsured loss for businesses in Australia is nearly an astounding $5 billion? And that 1 in 8 businesses do not have any insurance cover at all?
I’m having difficulty convincing other lot owners to pay for a new valuation for our 21 unit complex to reflect the building’s current value.
The resilience of the human spirit and the compassion of others was celebrated at the Melbourne City Mission annual wrap up tonight. Three courageous women shared how Melbourne City Mission has assisted them to triumph over adversity. The Whitbread Foundation is very proud to support this organisation.
The ESL is a specific rate that the NSW Government charges insurance companies for property-based policies that carry an associated fire risk e.g. building and contents, landlords, farm, etc. The levy supports the work of emergency services in NSW, such as Fire and Rescue NSW, the NSW Rural Fire Service and the SES, who...
Don’t be surprised if this week you see Whitbread people carrying jocks and socks and the odd tin of baked beans to work. The clothing and food will all be donated to Melbourne City Mission and Anglicare Vic.
As the bushfire season approaches this statistic really underlines how imperative it is to have the right insurance cover and sums insured for your home and contents. The right cover will help to ensure you are in a position to finance the full cost of reinstating your home in the event...
Let’s hope this article on the Whitbread Foundation encourages more businesses to join the global movement towards social consciousness. In this article, which featured in a Sydney magazine, many of the charities we support were featured | The Hunger Project, Melbourne City Mission, Red Cross, Very Special Kids, Scope, Anglicare...
Check out this film which features some familiar faces from Whitbread
State authorities have warned residents to either stay home or leave work early to ensure that they do not get caught outside once the weather changes.
The MS Walk & Fun Run is this weekend!! Help raise funds for this great cause by clicking the link below!
With some companies receiving hundreds of malicious threats daily, it is reported that businesses need to focus more on monitoring their networks and detecting potentially malicious activity to help prevent cybercrimes from occurring.
We had the opportunity today to listen to some amazing students speak about how they have benefited from the Melbourne City Mission Academy classroom in Braybrook. Very proud that the Whitbread Foundation has invested in this program.
While both changes are important to note, the change in the Act that will affect your premium, and be of greatest concern come July 1, will be the broadened ‘property type’ definition.
The journey of a lifetime could be yours in 2013! The Business Chicks along with The Hunger Project Australia have come together once again to organise a life changing trip to Uganda. This will be a challenging and confronting experience but will also be empowering and a trip you will...
Whitbread’s General Manager | Broking, shares his insights into the perils of importing goods into Australia, and the things to watch out for when it comes to your insurance.
At the recent Whitbread Group of Companies Meeting, the company directors; Angela, Claire and John Paul Whitbread announced the Whitbread Foundation’s $1,000,000 commitment to The Hunger Project Australia over the next 4 years.
Understand how you can protect your company from this type of risk. Click here to read an article featuring key insights on food safety and the importance of Product Recall Insurance.
Sleep at the G and raise vital funds for Melbourne City Mission to help end youth homelessness.
Since starting out, Whitbread has established strong and valued relationships with our clients and accumulated large, diverse and loyal client bases; this change allows us to expand services and ultimately the value that we bring to you by combining Steadfast’s strength and network, both domestically and internationally, with our expertise.
This Media release from the 10 March, 2018 outlining the latest from the Victorian Cladding Taskforce has been supplied by Minister for Planning, Richard Wynne.
Check out this clip about Melbourne City Mission, you'll be amazed at the work they do, the programs they offer and all of the people they help in Melbourne.
We sure do order a lot of stationary at the office!
It's that time of year again! Movember!! So if you don't already know someone who is growing a mo' click on the link to donateRaising funds and awareness for PROSTATE CANCER FOUNDATION OF AUSTRALIA & BEYOND BLUE
Interested in learning about leadership and challenging your assumptions about what's limiting your own capacity? If so, you are invited to join us next Tuesday 14th October at Whitbread's Melbourne office to participate in a free workshop facilitated by The Hunger Project.
"If you want to feel good, do good." This is how Shweta, Damien and Rhian felt after volunteering their time to cook the BBQ at the Anglicare Victoria breakfast for the homeless this morning.
The start of a new year is always a good time to reflect on what was achieved in the year past. Here are some of The Hunger Project's 2014 highlights. The Whitbread Foundation has been supporting the work of THP since 2012.
Parking, pets and parties can be a real problem for residents living in a strata title. Take Jimmy Thomson of Flat Chat test to assess how well your know the parking laws.
Congratulations to our friends at Imprint Graphic Design who raised a massive $10,400 for the Cancer Council at last weeks Relay for Life event. Always happy to support people willing to wear pink tutus for a good cause.
Along with 10,000 other runners, Laura from our Brisbane office along with her sister participate in the International Women’s Day Fun Run in Brisbane. It's great to see our people getting involved in the community to help raise funds and awareness for charities like Chicks in Pink who provide invaluable assistance to...
Despite a brutal after work PT session by our own Hayley Eighteen, the girls still could manage a smile.
We're at the SCA conference in Queensland! Come say hello to our lovely team - Vanessa, Mark and Laura who're doing a fantastic job providing Strata solutions to properties and managers in Queensland
Huge congratulations to Ida Dempsey for putting on yet another successful Dream Run to raise people's awareness about strokes. It was a privilege to be able to support you and be over taken on the run.
Happy International Day of Happiness!!!!!!! In 2012, 193 United Nations member states adopted a resolution calling for happiness to be given greater priority.To celebrate we embraced this resolution, reflected on and shared what makes us happy. We are all smiles after spreading some joy and devouring delicious cupcakes!
A truly informative and inspiring evening in support of the Asylum Seeker Resource Centre at the Famous Spiegeltent in Melbourne.
Ricotta Pancakes cooking demonstration by our very own Alina as part of our Wellbeing Program 2015.
So happy to be a part of the amazing work The Hunger Project has achieved in Kiruhura in less than 3 years of establishing the Epicenter. We received a wonderful and uplifting update from Millie who was there recently and experienced first-hand how the community is thriving.
A massive $581,000 was raised in this year’s Very Special Kids 24 Hour Treadmill Challenge. There will be a few sore and tired bodies today particularly those who ran through the night. A big thank you to all the Whitbread and CMC people for keeping our treadmill going.
If you were offered millions for your land would you sell it? As Australians we should be so grateful that people like Jeffery Lee have protected Kakadu from the big mining companies. So great to see Children's Ground on the Today show. http://www.9jumpin.com.au/…/kakadu-childrens-ground-dancers/
Anglicare Victoria do an amazing job with their breakfast program for the homeless, a program we are so happy to be a part of. It warms our hearts to see our people, Bill and Alix, volunteering this chilly Wednesday morning to help Anglicare cook up a hot BBQ breakfast.
Loved hearing today that our investment in Melbourne City Mission's Melbourne Academy is enabling young homeless and disengaged people to thrive. A recent study conducted by Victoria University concluded that students were "better off" for attending the Academy in particular in relation to academic achievement, attendance and participation, aspiration and motivation...
This is how we make clients feel at Whitbread Strata. Yes, it's personal! Sharing the love!
Our superstars of the day for volunteering to help cook up a hot BBQ breakfast for the homeless for Anglicare Victoria as part of the Lazarus Breakfast Program! Thank you Alix and Penny for being part of this essential initiative today, especially during Homelessness Prevention Week to help raise awareness...
From July 1, 2017, some residential Strata Insurance policies will experience significant total premium changes as a result of amendments to the Terrorism Insurance Act 2003 (Cth). The changes apply Australia wide, and relate to the introduction of a Terrorism Levy.