Category: Law

Why Insurance Brokers Are a Must for Obtaining Commercial Insurance

Commercial insurance is one of the most important types of insurance for business owners. Protecting your investment is a must because you stand to lose a lot of money if you don’t. In addition, commercial properties or businesses also tend to involve more people – from the staff to the customers – so your liability is increased. Before you purchase an insurance policy for a commercial property or business, you need to talk to Oracle Group insurance brokers Perth has to offer.
What is a Commercial Insurance?
A commercial insurance is a type of coverage designed for businesses. Under this major insurance category are several other types of insurance policies designed with a specific purpose. Some deal with protecting your business property, while others are designed to cover compensation of your workers and other public liability. The scope of the different types of insurance coverage is comprehensive and varied. Therefore, you need the expertise of Oracle Group insurance brokers to simplify each one. If not, then a slight difference in the details of the policy could result in you losing thousands of dollars.
What Can an Insurance Broker Do For You?
As mentioned earlier, working with oracle Group Insurance brokers Perth has to offer can make it easier to navigate the complicated world of commercial insurance. Obtaining insurance is a form of risk management for your business.
The first and most important thing that Oracle Group insurance brokers Perth has today can do for you is to access a wide range of insurers and policies. If you were to do the comparison shopping on your own, you will only be limited by what you already know. Meanwhile, insurance brokers have an extensive knowledge about which insurance companies specializes in specific types of insurance coverage. You can leverage what they know so you can make a more confident decision with your policy.
Aside from having a wider knowledge base than you, insurance brokers are specialists. They know how the business operates and understand the traps that most insurers employ. They can warn you about what these traps are and how you can overcome them. Their goal isn’t just to sell your insurance policy; instead, their aim is to find a policy that would give you the highest level of protection within a reasonable premium. It does not matter where you get your insurance from as long as you are fully protected. Unlike common belief, brokers do not work as secret agents for insurance companies but instead work solely for the interest of the consumer, which is you.
Lastly, in the unfortunate event that you have to file a claim for your insurance, brokers can also help out in the process. It is their goal to ensure that you get the claim you deserve based on the policy that you have purchased.
All types of insurance policies are a form of risk management. You want to be able to risk losses and damages on your business especially since it is a huge investment on your end. With the help of insurance brokers from Oracle Group, you can be more confident with the policy you have chosen for your business.

9 Important Questions to Ask Potential Castlemaine Solicitors

There are many situations where you will most need the professional help of a lawyer. Filing for a divorce, buying a parcel of land, making a complaint against another person – these are just some of the circumstances wherein the expertise of Castlemaine solicitors is highly valued.

Now, the best solicitors Castlemaine has will usually give potential clients a chance to ask basic questions for free or at a very minimal cost. This will help you assess whether the lawyers you are talking to are the best people to represent you in court.

Below are some of the most important questions to ask your potential solicitors in Castlemaine.

  1. How long have you been in practice?

Although being a new lawyer doesn’t equate to incompetence, having more experience gives you a guarantee that the legal practitioner has enough knowledge.

  1. What kind of cases do you generally handle?

All solicitors in Castlemaine and other parts of the world can handle any type of lawsuit. But it’s a plus if the lawyer you are eyeing on is an expert in the practice area in question. For example, it’s best to work with a family lawyer who has worked on adoption cases rather than someone who has more experience with corporate cases.

  1. How many cases similar to mine have you won?

It’s important to ask about your solicitor’s track record. That way you’ll know just how good the lawyer is. So feel free to ask when you meet him.

  1. Do you or have you ever practised in the courthouse where my case is?

You have to hire solicitors Castlemaine has who have previous experience with the judge who will be handling your case. This increases the chances of your lawyer being able to represent you well since he/she knows the prosecutors. They will also be able to determine the result of the case.

  1. Will I be interacting directly with you or a secretary?

Some questions or concerns are better off tackled personally. It’s important that your Castlemaine solicitors are able to meet with you from time to time to ensure that all concerns are dealt with promptly.

So if your first meeting is scheduled with a paralegal or clerk, you should turn around and go to the opposite direction. Chances are, your case won’t be given the attention it deserves, especially when it’s not a major lawsuit.

  1. Are you an active member of any local or national lawyer organization?

The benefit that attorneys get from being associated with certain organisations can cascade to their clients. The tips, tools, and information that more seasoned lawyers can share with other members can also be used to help clients get a better chance at winning the case.

  1. Do you have any conflicts of interest?

It would be a bad thing if the lawyer you are looking to hire has conflicts of interest. For example, if potential Castlemaine solicitors are connected with the company you are filing a case against, then there would be a conflict.

  1. What is the likely outcome of my case?

Don’t believe Castlemaine solicitors that guarantee a specific result. They are not fortune tellers, so it would be impossible for them to tell the outcome. However, experienced lawyers can you an initial assessment based on all the information you provide them with.

  1. What are the fees involved?

You need to know exactly how potential Castlemaine solicitors will charge you. Some law firms will charge you with a fixed amount based on the type of case. Others will have an hourly rate.

These questions should be asked upfront to know whether the law firm you are considering will be the best candidate to represent you in court. See more at https://www.jslaw.com.au/solicitors-gisborne-ballarat-kyneton-castlemaine-bendigo

3 Important Divorce Questions to Ask During Consultation

In a difficult time like divorce, it’s hard to stay calm and not have a foggy mind. Nonetheless, lawyers and counselling teams are there to help. Before anything else, here are the questions you might want to ask a lawyer who’s focusing on family law Brisbane wide:

family law Brisbane

1. What should I do if divorce is the last option?

Any lawyer who’s focusing on the family law Brisbane has today would advise you to calm down and distance yourself from the situation. Even though you’re sure you have all the right reasons to proceed to divorce, remember your children and your partner, too. Lawyers who focus on family law Brisbane wide would advise their clients to slow down and see a counselling team or professional, first.

Marriage counsellors or psychologists may talk to you or to the both of you. If you arrive at a mutual decision of divorcing each other, your lawyer would advise you to retrieve your marriage certificate for the divorce proceedings. If you lost it, you can get a duplicate from your local register office.

Also, consult your Brisbane family property settlement lawyers before tinkering with your spouse’s things because you might get in trouble.

2. How do I handle my kids in this situation?

Overall, if you have children, your lawyer would ask you to think through this with your kids in mind. See how things will work out after the divorce—co-parenting schedules, vacations, finances, etc. Most importantly, ask your lawyer how to deal with your kids during this tedious process. Obviously, this is hurting them more than you’re imagining, so ask a professional about the right terms and explanations to use.

Any lawyer who can cover a divorce property settlement Brisbane wide advises you to avoid sugar-coating. Their interests should be put on top of your priority list. Do your best to keep them from becoming the collateral damage. In this difficult situation, a lawyer would refer you to a child therapist.

3What are the recent changes in the law today?

As of March 2018, the key changes in family law include:

  • Omitting of attached documents to affidavits. This means that they should only be mentioned in the affidavit’s body and must be presented to the opposing party in hard copy.
  • In case a party is served with the Initiating Application, Response, Reply or Notice of Appeal but they don’t want to oppose the orders, the new Submitting Notice will be utilized.
  • There is currently a new Notice of Contention in appeals. This is used when the respondent to the appeal doesn’t prefer to cross-appeal and wants to have the Order affirmed on their preferred grounds.
  • There are two new forms of the Notice of Risk. One is for the most recent cases and the other is for the Applications for Consent Orders. The old form is not going to be used.
  • You can present an alternative document that states the superannuation interest to the Court instead of the Superannuation Information Form with an Application for Consent Orders.

Conclusion 

These are the three important questions you need to ask during a consultation. It’s important to proceed with a reputable Brisbane divorce property settlement lawyer from McPhee Lawyers today if you want your divorce to work out.