Insurance alternatives (Part 3: Aggregate deductible funds)

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Aggregate deductible funds (ADFs) are becoming a more common type of insurance alternative for buying groups who are looking for new ways to manage their risks. What is an aggregate

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Insurance alternatives (Part 2: parametric insurance)

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Following on from our last post about insurance alternatives, in this post we outline what parametric insurance is and how it can help you in a hardening insurance market. What is parametric

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The rise of insurance alternatives (Part 1: An overview)

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The insurance market is hardening which means customers can’t always find traditional insurance solutions for their risk. This has increased demand for insurance alternatives with greater flexibility and a wider

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Leverage insurance to negotiate fairer contracts

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In November 2016, the Australian Consumer Law (ACL) introduced new protections for small business. These prevent (often larger) businesses from trying to rely on unfair contract terms. The Federal Court

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The benefits of investing through a bare trust

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One of the ways in which a bare trust can be used is to let a small number of sophisticated or wholesale investors access their investment through one legal entity.

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The real cost of excessive payment surcharges

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On 1 September 2017, new restrictions were introduced that prevent businesses from passing on excessive credit card surcharges to their customers. All merchants who offer credit and debit card payment

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ASIC’s user-pays regime increases licensee costs

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Since 1 July 2017, most businesses who are regulated by ASIC must pay a levy to fund ASIC’s work, a cost that was previously borne by taxpayers. Who must pay

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Crowd sourced equity funding – a quick primer

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From 28 September 2017, a new source of capital will become available to unlisted businesses – funding by the ‘crowd’. That’s you and me, mums and dads, and of course,

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Unfair financial services contracts

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“Unfair contract terms” was the hot topic of 2016. Businesses were warned to get their contracts reviewed, multiple articles were published explaining what an unfair contract term actually is, and

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The impact of time barring

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Time-bar clauses do exactly what they sound like: they restrict the timeframes in which rights can be enforced. This can be a problem because signing contracts which contain these clauses

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