Legal & Insurance
Find the guide for the decision in front of you: signing a lease, choosing insurance, taking customer orders or handling information. Use it to identify what to check and what to take to your adviser.
Protect the business and check the premises
Read the policy or lease against how the business actually operates. The details worth checking often sit beyond the headline price.
2 guidesBusiness Insurance Explained: What Small Businesses Actually Need
Which business insurance is compulsory in Australia, which is just sensible, what public liability, PI and workers comp cost in 2026, and broker vs direct.
11 min readYour First Commercial Lease: What to Negotiate Before You Sign
What to check and negotiate in a commercial lease before you sign: term, rent reviews, outgoings, fit-out, make good, guarantees and your state's rules.
10 min read
Deal fairly with customers and contracts
Put clear terms around the sale, then understand how refunds and contract rules interact with those terms.
3 guidesRefunds and Consumer Guarantees: What Small Businesses Must Do
When you must give a refund under Australian Consumer Law, when you don't have to, why 'no refunds' signs are illegal, and how to handle a refund request.
11 min readUnfair Contract Terms: The Law for Small Business
Unfair terms in standard-form small business contracts are illegal in Australia. What counts as unfair, the penalties, and how to fix your own T&Cs.
9 min readWebsite Terms and Conditions: What Your Small Business Needs
What website terms and conditions your small business needs in Australia, how they differ from a privacy or refund policy, and what the ACL lets you say.
12 min read
Look after information, ideas and access
Work through the information you collect and the business assets you want to protect. Bring specific questions and examples to any professional review.
3 guidesDo You Need a Privacy Policy? Privacy Act Rules for Small Business
Do you need a privacy policy in Australia? The $3 million small business exemption, who's covered anyway, the 2026 reform status and what to include.
9 min readIntellectual Property Basics: Trademarks, Copyright and Designs
Copyright is automatic in Australia. Trade marks, designs and patents aren't. What each protects, who owns work your contractors create, and what it costs.
9 min readScams Targeting Small Businesses: How to Spot and Stop Them
Payment redirection, fake ATO letters and phishing hit Australian small businesses hardest. How to spot each scam, stop it, and what to do if you've paid.
9 min read
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