It’s in everyone’s best interests to help injured employees recover at work or return to suitable employment as soon as their injury allows.
You, as the employer, have an important role to play in the recovery of your worker.
Recent research affirms that the best place to rehabilitate most injured workers is in the workplace. Apart from promoting a quicker recovery, activities undertaken at work have proven to be more therapeutic than prolonged rest or only receiving treatment in a clinic away from the workplace. Having the injured worker at work also allows for the early identification of any issues that may hinder a worker’s rehabilitation and the development of strategies to overcome them.1
Being proactive about how you can continue to keep injured employees engaged in employment, embracing the spirit of inclusive employment practices and having a workplace culture that is conducive to health and wellbeing which is fundamental to helping your employees have the best outcome.
Sorting out comprehensive travel insurance should be one of the first tasks on a traveller’s pre-departure check-list.
When purchasing travel insurance, it is important to ensure that the insurance will cover:
all the places to be visited;
all the activities planned; and
any pre-existing medical conditions and current medical treatments
Travellers without insurance, or with insurance that does not cover them for their activities or pre-existing conditions, could pay potentially very expensive costs for emergency treatment and medical evacuation. The Australian Government cannot pay for a traveller’s medical or psychiatric services or medications.
Let’s face it, the world’s changed and we are busier than ever before. It’s now the norm being busy running your extremely busy business right? The last thing you need on top of the everyday, is stress in renewing your insurances. As your insurance broker, Mitchell Insurance Management’s objective is for you to be focused solely on your business. You know the area of expertise and services to which you support your clients and you actually make your money, whilst we focus on providing you with the right cover at the most appropriate terms. So how do we work together to create a smooth renewal process? Or from another perspective, come together to begin working together?
If you have a business, you do not operate in a static world. You are well aware that there are many moving parts, not only to your business, but also in the community and the economy on a larger scale which you operate within.
This means that sometimes your business risk and insuring your risk changes.
At claim time in General Insurance something that can be confusing for the claimant is the handling of GST. When a claim is put through with an insurer the claimant seeks to be reimbursed for the loss of the value of the goods including GST, however the GST component of the claim is treated differently depending on the type of claimant.
Does this sound confusing? Maybe so, but it’s not as bad as it sounds.
This coming April 2018, Queanbeyan Golf Club is hosting their annual Guns ‘n’ Hoses Queanbeyan Pro-Am Tournament. As with all Professional Golf tournaments, there is a winners cheque to the successful Professional shooting the lowest score, however the big incentive of the day is a $20,000 cash prize for a hole-in-one on the 8th hole, open to everyone in the field – both the Professionals and Amateurs playing.
Mitchell Insurance Management are proud to be sponsoring the insurance for this hole-in-one insurance and have extended this to an unlimited amount of winners on the day, not just a one-off player achieving the ‘ace’.
One of most common forms of prize indemnity insurance is hole-in-one insurance. Hole-in-one insurance reimburses the policy owner for the cost of awarding a hole-in-one prize in the event a tournament participant who successfully hits a hole-in-one during the tournament.
We can all think of a time where we missed a chance of good luck. Psychologically, a near miss incentivises people in lotteries and gambling. As humans when this happens we tend to reassure ourselves luck is with us or to feel superstitiously that we are being guided.
But what about when we narrowly miss a chance of bad luck? For a moment we feel that gut wrenching moment, then relieved most of us are glad to move on and try to forget about it. In business we can all think of moments where there have been near miss bad accidents, events or potential bad losses. Perhaps we try not to think about them? But these near misses can be helpful as they can give us an insight into the weaknesses of our businesses and give us the opportunity to ensure it doesn’t happen. Sometimes when a bad event eventually does happen, we ask ourselves, ‘why didn’t this happen before?’
For most of us retail therapy is an enjoyable or sometimes a boring necessity, each year though shoppers suffer unfortunate accidents whilst shopping. Just last year the New South Wales District Court ordered Coles to pay $293,000 to a man who had slipped and fallen in their supermarket. The court found that Coles had failed to uphold their duty of care to the customer and were ordered to pay damages which included past and future out-of-pocket expenses and future loss of earning capacity. Cases such as these highlight the need for retailers to keep their environment as risk-free as possible.
Many businesses operate by offering their goods and services on credit terms. This can result in a significant portion of a company’s working capital being owed to them at any one time. This can potentially jeopardise the cash flow, profits and ongoing sustainability of the business.
When business is disrupted, it will cost money. Lost revenues plus extra expenses means reduced profits. Business continuity planning involves developing a practical plan for how your business can prepare for, and continue to operate after an incident or crisis.
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