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2 months ago · by

Cyber data breaches are only getting worse!

In today’s world, companies are increasingly bringing more aspects of their business online. While this brings with it the efficiency of a digital workflow, it also opens up your business to cyber theft and hacking of critical data.

The prevalence of Cyber attacks and data breaches in Australia is rising fast. Even with military grade security in place your data is still vulnerable to human error as identified as the culprit in the majority of reported cases.

To better understand cyber data breaches, and how it’s only getting worse, feel free to watch the video below.

We help our customers safeguard against data breaches, computer hacking, employee error, and more with end-to-end risk management solutions to stay ahead of the cyber security risk. This market leading coverage was developed using extensive knowledge and expertise in cyber risk, built in close partnerships with global cyber experts.


To learn more about how you can protect your business from cyber attacks today click here, please email us using the contact details below or give us a call on (03) 8841 3300.

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1 year ago · by

Sole Trader And Thinking Of Changing To A Company?

Sole trader or a company? That question is frequently asked by business owners when their business is growing. So, how do you know if your business structure should remain as a sole trader or change to a company, and what does this mean for your legal requirements? It can be difficult to decide between the two various structures, and it’s important to understand the difference in order to discover which suits your business.

For example, with the two different structures, there are differing regulations around taxation, liability, your responsibility and how your assets are protected in the event something should go wrong. Understanding the differences between the two and structuring your business correctly  is important, so how can make the correct decision?

Sole Trader/Company Resources & Checklist

The Australian Taxation Office (ATO) provides free resources below which can be helpful in discovering which business structure is right for your requirements.

ATO Business Structures Resource

Also, click the button below to access the Sole Trader/Company Checklist to find out the key differences.

Sole Trader/Company Checklist

The Sole Trader/Company Checklist provided by the ATO & could prove useful in deciding whether to setup your business structure as a sole trader or a company, if however you are still unsure, please seek independent professional advice.

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2 years ago · by

Hear From Our Customers

In early December 2016, we undertook our first ever customer satisfaction survey and we chose to survey our entire client base via the Net Promoter Score (NPS).

It was a confronting challenge and we would like to share the results with you (unedited), and thank the 172 clients who responded. The survey, the results and graphs are supplied by independent parties (Glow and Steadfast), and we were delighted to be literally rated off their scale.

We are also delighted to have sent the Challenge Foundation “supporting kids with cancer” a cheque for $500 in appreciation of your time in completing the survey.

How NPS score works:
9 or 10 out of 10 = 1 point
7 or 8 out of 10 = 0 points
1 to 6 out of 10 = (-1) point
How We Scored:
50.6 % of respondents scored us 9 or 10 out of 10
39.5 % of respondents scored us 7 or 8 out of 10
9.9 % of respondents scored us 0 to 6 out of 10

Therefore, 90.1 % of respondent clients rated their insurance service experience with PSB as 7 or above out of 10.

Thank you. We are humbled by your words of support and amazing testimonials!

We are blown away by the incredibly positive responses and generous comments. Our business is built on referrals and doing the right thing by those who refer that business to us. We have your reputation in mind when we deal with your referral.

Finally, we would like to take this opportunity to thank you for allowing us to work with you to develop your risk management strategy, and look forward to our continued relationship. Referrals are important to our business. If you have a family member, work colleague or friend who would benefit from a PSB team insurance review, we would welcome an introduction.

PSB clients are in receipt of claims settlements of approximately $4,000,000 in 2016-17 financial year alone.

We are proud and delighted to have played our role in helping you to protect your family assets and contribute to your family’s future financial well being.

Thanks for trusting us with this important role.

Regards from the team at PSB,

Rob, Deb, Ben, Janine, Karl, Kayla, Nathan & Geoff.

Customer Testimonials

“Excellent knowledge of the Insurance in the Aviation Industry”

“At CWF we regularly recommend PSB and we pass on the contact persons details to make it easy for them to follow-through. Why? Because PSB ticks all the boxes on the service that we need as a flying school – they know the Aviation business – they have great service and support and follow-up – competitive pricing – and find us the covers we need, without trying to upsize us to something we don’t need.”

“Excellent service. Friendly staff. Competitive pricing”

“I have fully insured 2 aircraft with PSB and experienced strong customer service, excellent claims management and just really pleasant people to talk with.”

“PSB Insurance Brokers look after everything insurance. Their knowledge and professionalism is second to none; the support is always there and nothing is too much trouble. We wouldn’t use anybody else.”

“PSB are skilled brokers who take the extra time to cater to the unique needs of our business. They are efficient, approachable, reliable and competitive. We have been clients for over 20 years, and never has PSB become complacent or taken our custom for granted.”

“PSB have provided a very supportive, efficient and friendly service to our NFP for 25 years, we have no hesitation in recommending them.”

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3 years ago · by

Are They An Employee Or Contractor? Avoid Common Myths

When hiring workers, how do you know if they are an employee or contractor, and what if they have an ABN? Sometimes it can be difficult to discern between the two, and there are some commonly held myths regarding this. For example, even if your worker holds an ABN, this has no impact on whether you should regard them as an employee or contractor. The conditions of the working arrangement between you and the worker, in regards to tax and super, will affect whether or not they should be regarded as an employee or contractor. Understanding the differences between the two and classifying your worker into the correct category for tax and super purposes is important, so how can make the correct decision?

Employee or Contractor Decision Tool

The Australian Taxation Office (ATO) provides a free tool below which can be used to discover if your worker should be treated as an employee or as a contractor for tax/super requirements. It must be noted the tool is for use by businesses that engage and pay a worker and not to be used in regard to labour hire firms or individual workers.

Click the button below to access the Employee or Contractor Decision Tool.

Employee/Contractor Decision Tool

The Employee or Contractor Decision Tool provided by the ATO can be helpful in discerning whether to treat your worker as an employee or contractor, if however you are still unsure, please seek independent professional advice.

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PSB Insurance Brokers

Melbourne Head Office:
Suite 1, 43 Railway Road, Blackburn
3130 Victoria, Australia

Adelaide Office:
1 Finniss St, North Adelaide
5006 South Australia, Australia

Contact Details

Melbourne Head Office:
Tel: (03) 8841 3300
Fax: (03) 9894 1115

Adelaide Office:
Tel: (08) 8361 8872

(03) 8841 3300

Hours: 9:00AM - 5:00PM