What keeps you up at night about your business? For many Canberra entrepreneurs, the answer increasingly includes insurance costs, particularly skyrocketing workers' compensation premiums. This eye-opening conversation with Gallagher insurance brokers Ceshton Hanns and Andre Ferreira pulls back the curtain on the sometimes-mystifying world of commercial insurance.The discussion tackles the pressing question of why premiums continue rising, especially in the ACT. While local business owners might question why distant catastrophes like Lismore floods affect their rates, the experts explain how the interconnected nature of insurance and reinsurance markets creates a global ripple effect. For workers' compensation specifically, the ACT's unique jurisdictional requirements combined with its relatively small private sector market contribute to higher premiums than neighboring states. Beyond these compulsory coverages, the conversation explores essential protections including cyber insurance (which even small businesses need as potential "gateways" for hackers targeting larger organizations) and business interruption coverage that keeps companies afloat during recovery periods.This episode is supported by CareSuper. 

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