Are you insured against a cyber attack?


Cyber-attacks are the fastest growing crimes throughout Australia and across the world. And with the majority of businesses not insured against cyber-attacks, the effect can be crippling. Take a look at our infographic to learn more and see if you are covered against cybercrime.

Cyber Infographic


Guild Insurance

Professional Indemnity Insurance


  • Guild's guide to a risk free holiday season

    With the holiday season approaching, it’s time to remind ourselves of the possible threats to our homes and cars during this time. In the lead up to what should be a fun and festive time with loved ones, it’s important to think about what you can do to protect your valuable assets during this period.

    Thefts and burglaries increase at this time as a lot of crime is opportunistic; thieves know that houses and cars might be full of newly purchased gifts. Thieves also know that with people away on holidays, there is an increased opportunity to break into cars and homes.

    However, holiday dangers aren’t just about thefts and burglaries. People also need to think about what they can do to protect their homes and cars from damage or unnecessary costs while on holidays, as well as keeping themselves safe.

    Protecting your home
    Before heading off on holidays:

    • Be mindful of how you dispose of packaging of gifts or newly purchased items. A bin full of boxes for items such as televisions, game consoles or tablets lets people know what valuable items are in the home.

    • Ask a friend or neighbour to collect your mail. A build-up of mail is a sure sign someone isn’t home.

    • Use a timer to have your house lights turn on and off at certain periods of the day, creating a look of someone being in.

    • Consider what appliances can be turned off within your home. While usage is low, many appliances continue to use power even when they aren’t being used. Items to consider turning off include hot water tanks, televisions, microwaves and computers. However, be sure to think about what you’re turning off before you quickly switch off all power; for example, fridges and freezers, unless empty, should be kept on.

    • Clear out your gutters. A build-up of leaves and other debris creates a fire hazard as well as a risk of an overflow of water entering the roof space during a storm.

    Protecting your car

    • If leaving your car at home while on holidays, where possible leave it locked securely in a garage or somewhere else out of sight. Thieves will notice a car sitting in the sam spot every day which hasn’t moved.

    • Don’t keep valuables in sight that could entice those opportunistic
    thieves. This applies to items used all year, such as mobile phones. However, over the holiday season it also applies to shopping bags which are clearly full of new items.

    • When taking your car on holidays, be sure you have some sort of roadside assistance or breakdown coverage to protect you during those
    unexpected moments.

    • If sharing driving duties during a road trip, be sure the insurance policy for the car covers all drivers.

    • Take regular breaks on long drives by either swapping drivers or taking rest breaks. Also, when on long drives, plan your stops to allow for petrol fill ups and food and drink stops.

    • Be particularly careful when driving at dawn and dusk as visibility generally isn’t as clear as during the day.

    Download the printable version


  • Do you have the right insurance for your fitness business?

    Sally began her career as a personal trainer in 2012. With high hopes and wanting to make sure she did the right thing Sally purchased an exercise professional liabilities policy. Her hard work and focus paid off and a few years later Sally opened the doors to her very own fitness studio. Sally didn’t think to change her individual policy to a fitness centre business insurance policy and continued to renew her insurance annually.

    In February 2016, a personal trainer at Sally’s gym put down a barbell behind another client who wasn’t aware that it is was there, the client tripped over it, hit her head on the floor and was knocked unconscious.

    The personal trainer immediately called 000. After the paramedics arrived, the client was taken to hospital and underwent emergency spinal surgery.

    Two months later, Sally received a letter from the client’s lawyer requesting reimbursement for the ambulance, medical expenses, loss of earnings and pain and suffering. The letter also recommended that Sally should contact her insurer. Taking this advice, Sally informed her insurer and began the claims process.

    After reviewing her cover, Sally found that she held the incorrect policy and unfortunately wasn’t covered for any of the costs arising from the accident. This meant that Sally was held personally responsible for all expenses incurred – the costs nearly ruined Sally’s business. She has since purchased a Guild Fitness business insurance policy to suit her new circumstances, but is still to this day recovering financially from the incident.

    You can learn from Sally’s mistake. Keep in mind if you do change from being an individual fitness provider to a business owner, you need to make sure you’ve got the right cover.

    Not sure if you’re on the right policy for you, call us on 1800 810 213. We’d be happy to help.

    The above case study is based on general claims scenarios and do not reflect any particular claim. Names are fictitious and any resemblance to a real person is purely coincidental.

  • Are you insured against a cyber attack?

    Cyber-attacks are the fastest growing crimes throughout Australia and across the world. And with the majority of businesses not insured against cyber-attacks, the effect can be crippling. Take a look at our infographic to learn more and see if you are covered against cybercrime.

    Cyber Infographic



  • Preventing glass damage

    Damaged glass windows and shopfronts can cause considerable costs and inconvenience to business owners.

    On top of your existing security measures, there are a number of ways to reduce the risk of glass damage to your business.


    • reduce the possibility of glass damage and break-ins by installing:
    • break resistant glass
    • grilles and shutters over windows and shopfronts
    • glass break sensors for early alarm activation
    • keep valuable items hidden from view through windows or shopfronts out of hours
    • remove any loose or non-secured items around your premises that could be used to damage windows and property
    • leave your cash register draw open out of hours to show that it’s empty.


    • installing bollards in front of windows and glass doors to reduce the risk of a ‘ram raid’
    • planting low shrubs in strategic locations making it difficult for vandals to access the premises
    • immediately cleaning up graffiti or rubbish as delay usually leads to more graffiti and multiple insurance claims.
    • thinking about the signage and advertising you have on your windows and shopfront (e.g. a large smiling face might be appealing to a vandal)

    If damage does occur to your property, ensure you have contact details for an after-hours glazier readily available to all staff who may need it.

    For all insurance and claims enquiries, contact Guild Insurance on 1800 810 213 or visit


    Disclaimer: This article contains information of a general nature only and is no intended to constitute the provision of legal advice.

  • Managing a major disruption at your fitness centre

    A major disruption can ruin any successful fitness centre. Business owners often underestimate how vulnerable they are. Most can’t support the financial burden of not trading for an extended period of time.

    Understanding the implications and preparing for any interruption can help reduce the impact of a major disruption.

    Here’s 10 tips to help protect your fitness centre:

    1. Maintain equipment, buildings and infrastructure
      Regular maintenance will help reduce the likelihood of failure or major breakdown.
    2. Develop a major disruption guide
      Prioritise and allocate tasks for team members. Ensure you can access a copy of the guide from both within the centre, and remotely.
    3. Maintain a list of emergency contacts
      Ensure accurate copies are readily available and all staff can access the list.
    4. Assemble an essentials items kit
      Use the kit to store critical items you may need in an emergency. This may include a site map, emergency exits and electrical switchboard locations.
    5. Get to know your neighbours
      Explore potential neighbouring locations. If you can no longer operate from your premises, you may consider moving your business temporarily.
    6. Maintain an accurate asset register
      Use model numbers and photos to help identify assets.
    7. Regularly back up electronic records
      Invest in a secure daily back up procedure and ensure a copy is stored offsite.
    8. Have processes in place to divert phone calls to another number
      Include these instructions in your essential items kit.
    9. If a major disruption occurs, ensure records are kept of the damage
      Before any cleaning is undertaken, make a record and take photos of the damage.
    10. Train staff on the importance of responding to a major disruption
      Communicate who has the authority to make decisions, what the emergency procedures are and what’s expected of each team member.

    Being prepared is the key to minimising your chances of losing everything.  That preparation starts with the right business interruption insurance. To ensure you’re adequately covered call 1800 810 213.

    Guild Insurance Limited ABN 55 004 538 863, AFS Licence No. 233791.  This article contains information of a general nature only, and is not intended to constitute the provision of legal advice.

  • Five tips to avoid a devastating fire

    Even the smallest fire could wipe out your business. Here’s five tips to avoid a devastating fire all year round:

    1. Clear space is a must
    To help prevent overheating, ensure there’s enough clear space around all electrical equipment.

    2. Avoid using temporary options
    Extension cords and power boards were designed to be temporary options. Where possible, have additional power points installed.

    3. Maintain your workspace
    Keep dust, moisture and clutter to a minimum. Avoid having food, drinks and flammable items near electrical equipment.

    4. Implement safety measures
    Maintain your property and ensure your fire safety services are always up to date.

    5. Those who fail to plan, plan to fail
    In the unfortunate event of a fire, a simple action plan can minimise the risk of harm to people and property.

    For more information call 1800 810 213 or visit your local Fire Service website.


Guild Insurance

Professional Indemnity Insurance

Why Guild Insurance?

For over 55 years, our customers have continued to be central to everything we do.

Better protection through experience.