In August 2016, Insurance & Care NSW (icare) announced that they will start to manage and directly underwrite policies under the NSW Workers Compensation Scheme.View More
In August 2016, Insurance & Care NSW (icare) announced that they will start to manage and directly underwrite policies under the NSW Workers Compensation Scheme.
As this change is now coming into effect, please see the latest update below to learn how the changes may affect you and your business.
New policies to the NSW Scheme can now be lodged directly with icare through their online self-service portal.
For assistance in taking out a new policy, your broker can continue to provide you with support.
icare now require a Letter of Appointment (LOA) to be lodged with all new policies to nominate your broker of choice.
Existing policies will be transitioned to icare at your next renewal date from 30 April 2017.
Up until your renewal date, your insurer will continue to provide you with renewal services and payment advice as per usual.
From your renewal date, icare will provide these services for you. icare will make direct contact with all employers to provide all the information they will need in order to renew their policy.
We suggest you contact your broker in the first instance to review all renewals in light of the changes.
CGU WITHDRAW FROM NSW WORKERS COMPENSATION SCHEME
On 1 March 2017, CGU announced that they've decided not to respond to icare’s agent selection process for the 2018-2020 contract for claims management and are seeking to withdraw from the NSW Workers Compensation Scheme by 31 December 2017.
CGU’s decision is a commercial one, determining it's no longer viable for them to participate in the NSW Workers Compensation Scheme.
CGU is working closely with icare and brokers to ensure a smooth transition and will keep you informed of changes that may impact you.
In the meantime, CGU has confirmed that it’s business as usual. CGU's Workers Compensation presence in other states and territories has not been affected by this decision.
Once icare determine the 2018-2020 contracts for the NSW Workers Compensation Scheme Agents in April 2017, we will update you accordingly.
HAVE A QUESTION ABOUT THE CHANGES?
Please contact Suzana Strbac on the details below:
Manager, Workplace Solutions
T: 02 8267 9972
M: 0404 486 451
Buying a house can be one of life’s greatest stressors. With so many elements to consider – finance, contracts, building and pest inspections, insurance – the process can be overwhelming. Using a Mortgage Broker can help reduce some of the pressure and could end up saving you thousands on your homeView More
Buying a house can be one of life’s greatest stressors. With so many elements to consider – finance, contracts, building and pest inspections, insurance – the process can be overwhelming. Using a Mortgage Broker can help reduce some of the pressure and could end up saving you thousands on your home loan.
At Gow-Gates, our Mortgage Brokers have the experience and expertise to assist you no matter what part of the loan journey you are at - whether you are first home owners, have already found the perfect house and need to sort our finance quickly or are building your investments.
Below we have listed just 6 of the reasons why should use a Gow-Gates Mortgage Broker for your next loan.
It’s all about you
We take the time to understand your needs and what you want. For us, it’s not just about finding you the lowest interest rate - there are other things to consider. For example, if you’re thinking about starting a family, flexibility is an important feature. Or if you want to renovate, easy access to equity can help. With so many products, you have so many choices.
We do the legwork for you
We’ll look at your current loans and financial circumstances and then research to find the right solution for you. We then negotiate the best rate, take care of the paperwork, manage the application process and then take it through to settlement – saving you both time and money.
We provide real choice between lenders
We are aligned with the largest Australian mortgage aggregator. We have access to over 1450 different loan products, with new products becoming available all the time.
We are flexible
We will meet you at a time and place that suits you – whether that be at your work, over a coffee or via email, FaceTime and Skype. You can also come visit us at our office, centrally located at Sydney Town Hall Station.
It’s more than just loans
Lenders will ask you to take out insurance on your new property. We can help arrange cover to keep the process moving quickly.
Our services are free to you
You don’t pay for a second of our time. The lender you choose pays our fee.
For more information and to discuss your options, contact us today on 1300 GOW GATES (469 428) or email@example.com.
Australian Credit Licence 389087View Less
There is no doubt that Workers Compensation is one of the major expenses to Australian businesses. We all know that unless controls are in place and supervised, the cost of Workers’ Compensation has the potential to cripple companies both large and small.View More
There is no doubt that Workers Compensation is one of the major expenses to Australian businesses. We all know that unless controls are in place and supervised, the cost of Workers’ Compensation has the potential to cripple companies both large and small.
Managing health and safety hazards is the key to operational excellence and can assist in reducing your Workers Compensation premiums. When best practices are in place, the chance of injury reduces, which in turn reduces claims – a major factor used to determine Workers’ Compensation.
The Gow-Gates Group has been advising businesses and individuals on how to mitigate and transfer risk for over 50 years. Together with our consultants, we assist clients in reducing their Workers’ Compensation premium through hazard identification, assessment and treatment.
Below are 6 steps our experts recommend to determine the most effective measures to control workplace hazards and to minimise risk.
Step 1: Design or re-organise to eliminate hazards
It is often cheaper and more practical to eliminate hazards at the design or planning stage of a product, process or place used for work. In these early phases, there is greater scope to design out hazards or incorporate risk control measures that are compatible with the original design and functional requirements. For example, remove trip hazards on the floor or dispose of unwanted chemicals.
Step 2: Substitute the hazard with something safer
If it is not reasonably practical to eliminate the hazards and associated risks, you should minimise the risk. For example, today the dangers associated with asbestos are well known and there are numerous alternatives to asbestos products currently on the market including cellulose fibre, thermoset plastic flour or polyurethane foams. Replacing solvent- based paints with water-based ones is also a better alternative.
Step 3: Isolate the hazard from people
This involves physically separating the source of harm from people by distance or using barriers. For example, introducing a strict work area, using guard rails around exposed edges and holes in the floors, using remote control systems to operate machinery, enclosing a noisy process from a person and storing chemicals in a fume cabinet.
Step 4: Use engineering controls
An engineering control is a control measure that is physical in nature, including a mechanical device or process. For example this can be done through the use of machine guards, effective ventilation systems and setting work rates on a roster to reduce fatigue.
Step 5: Use administrative controls
Administrative controls are work methods or procedures that are designed to minimise exposure to a hazard. Establish appropriate procedures and safe work practices such as; limit exposure time to a hazardous task so that fewer employees are exposed, routine maintenance and housekeeping procedures, training on hazards and correct work methods and use signs to warn people of a hazard.
Step 6: Use Personal Protective Equipment (PPE)
Provide suitable and properly maintained PPE and ensure employees are trained in its proper use. Examples include gloves, earplugs, face masks, hard hats, gloves, aprons and protective eyewear. PPE limits exposure to harmful effects of a hazard but only if workers wear and use the PPE correctly.
To talk to the Gow-Gates team about your Workers Compensation programme and to learn about the other services on offer, please phone 02 8267 9999 or email firstname.lastname@example.orgView Less
Bushfire season is upon us and whilst we dread to think of any harm coming to our pets or livestock, it is always best to be prepared.View More
Bushfire season is upon us and whilst we dread to think of any harm coming to our pets or livestock, it is always best to be prepared.
We urge you to have a plan in place and practise it so that you and your family and/or staff are ready to take action should a bushfire threaten your property or business.
Top bushfire tips for horse owners:
Ensure your horse ownership documents ready to take with you if you evacuate. In the event that your horses are left behind, they may become mixed with other livestock or horses nearby and you will need records to verify ownership (i.e. microchip number, tattoos, photos of colours and markings).
Decide ahead of time whether you will stay to defend your property or evacuate.
If you plan to evacuate, ensure your evacuation plan includes identifying those horses most at risk or those most difficult to manage. Your plan will need to outline these priorities as time or resources could prevent a complete evacuation.
If you leave your animals behind, don’t shut them in stables or buildings at significant risk of fire damage. Have a designated safe area which allows them as much room to move as possible as horses will often stand a better chance of survival in the open. Leave plenty of food and water available remembering that any plastic buckets will melt.
- If conditions prevent you from evacuating your horses, remove all nylon halters, rugs and other synthetic horse wear that could melt or burn.
Above all, remember that horses can become stressed and dangerous in an emergency situation and personal safety must remain your first priority.
We wish you all a safe summer,
The Gow-Gates Equestrian Team
(02) 8267 9999
Transportation of horses can be a stressful experience for both horse and owner. With long journeys often resulting in some form of illness, injury or even death of the horse/s, it is imperative that the major risk factors are identified and managed. Barbara Padalino, a graduate from the University of Bari,View More
Transportation of horses can be a stressful experience for both horse and owner. With long journeys often resulting in some form of illness, injury or even death of the horse/s, it is imperative that the major risk factors are identified and managed. Barbara Padalino, a graduate from the University of Bari, Italy, and fully qualified veterinarian has commenced a study into horse transportation in Australia as part of her PhD at the University of Sydney. Almost 1,000 Australian horse owners participated in the initial survey, of which the preliminary results are summarised in the infographic (below). At the completion of the research, we hope the insights gained will allow owners to take steps to reduce physical and mental stress to the horse throughout the entire transportation process, and ultimately reduce the instances of transport-related illnesses and injuries.
If you would like a quote for horse mortality insurance, please contact us on email@example.com or (02) 9267 9931View Less