As we get settled into the new year, we thought that there’s no better time for you to check out our most viewed blog posts for 2019.

Take a look at our 10 most popular articles in 2019:

10. From Usage Based Insurance to Behaviour Based Insurance

Do you sometimes exceed the speed limit when driving? Accelerate fast or brake hard perhaps? Beware - your insurance premiums are likely to go up!

9. Sick burn: How to stop your employees burning out

Burnout. Commonly manifesting itself in your employees in the form of increased absenteeism, anxiety, unexplained emotional outbursts, weight fluctuations and a potential stress claim. What steps can your organisation take, so that no one is feeling the burn?

8. Artificial Intelligence and the future of the insurance industry

With automation already affecting the insurance industry in the areas of underwriting, claims and broking, big changes to the industry are certainly imminent. Some sources have placed the number of Australian jobs with a moderate to a high likelihood of being eliminated by automation within the next 10 to 15 years as more than 5 million. Is yours going to be one of them?

7. What is Self Insurance?

Workers’ compensation premiums can be a significant concern for Australian businesses, especially where unbudgeted developments occur. One option for larger employers is to consider self-managing their workers’ compensation, which can improve cost consistency, and provide greater financial control of downstream services. This post, our 7th most popular in 2018, helped answer some of your questions.

6. Can my company rely on a liability waiver?

A general liability waiver is a form an organisation may use to protect itself from lawsuits or paying compensation. Typically, an organisation may ask an individual to read and sign a waiver form, which states that the organisation is not responsible for injuries, damage, or loss suffered as the result of the activities he or she participates in with the organisation. We discuss if your company can rely on a liability wavier.

5. The Risks and Hazards of working alone

Working alone can increase the likelihood of some workplace hazards or risks occurring and in those cases where incidents do occur, the consequences can be more severe. In some cases, other people may be close by, such as a cleaner working by themselves in a city office building. In other cases, the employee could be in a remote location, such as a researcher undertaking fieldwork by themselves in a national park. In either scenario, it is important that as an employer you need to understand and be adequately prepared for the challenges employees that work-alone may face.

4. How your workers' compensation premium is calculated

Workers’ compensation premiums can be confusing, but understanding where your premium comes from can help you develop practical strategies to reduce it. We’ve outlined the factors that determine how premiums are calculated and some tips for keeping premium as low as possible. As an extra measure, be sure to check out our free industry relevant posters, too.

3. Employee or contractor? Workers’ compensation requirements for contractors, employees and businesses

In Australia, businesses are required to cover employees for workers’ compensation, but people who are self-employed or engaged as a contractor are generally expected to cover themselves. Whether you’re a business, an employee or a contractor, it’s important to understand your responsibilities and what type of workers' compensation cover you require.

2. Grey Fleet Safety

Any time you as an employee use a personal vehicle for a work-related task, you are actually using a vehicle from your employer's Grey Fleet. It seems a bit confusing, doesn't it? In our second most popular article of 2019, we explored what businesses can do to ensure Grey Fleet safety.

1. Liability for an injury during a workplace sport or wellbeing activity

Wellbeing activities such as sports and social events are increasing as their contributions to workplace morale and health are becoming more recognised. While the benefits of these activities are established, they also extend an employer’s liability for injury and it can be difficult for an employer to know what they are responsible for. This short guide is designed to help you, the employer, know when you might be liable for an injury during a wellbeing activity.

So those were our top 10! Thanks for reading GB Advantage in 2019 and keep your eyes peeled for more great posts this year.

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