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Latest News & Insights

Please note that news is listed historically and not all figures and information may still be current in older articles.

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With over 60% of Australian small and medium business experiencing a cyber attack in the last year, we explain the reasons why cyber insurance is crucial for your business.
The top 5 reasons SME's should be considering cyber insurance
 Cyber Security Insurance

With over 60% of Australian small and medium business experiencing a cyber attack in the last year, we explain the reasons why cyber…

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We examine why small businesses need cyber insurance, and what a typical cyber policy covers.
Cyber Insurance: Fad or Fact?
 Cyber Security Insurance

We examine why small businesses need cyber insurance, and what a typical cyber policy covers.

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Matt Vickers, Investment Adviser, details the current economic outlook across fixed interest and both the domestic and internal markets.
Investment Views Update Q2 2019
 Investment economic

Matt Vickers, Investment Adviser, details the current economic outlook across fixed interest and both the domestic and internal markets.

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Liability insurance protects an individual or their business against any property damaged or injury caused to a person.It must be established that with Liability Insurance there is negligence involved on the individual or business’ part, as they did not take reasonable steps to ensure safety and care to others.Liability Insurance is generally a mandatory cover required in the event of setting up a business, contracting work, or is imposed upon by a third party, i.e. landlord, contractor etc. For example, when you take out a lease, there will generally be an imposition from your landlord to have liability cover for a certain amount. This is well worth checking on your lease, as failure to take out the cover or not the amount required, may make you become liable for any damage that the property may have sustained, and therefore a personal cost to the individual and/or their business.The following is an example of such:ABC Company Pty Ltd takes out a commercial lease within an office building. The commercial lease is made up of an office and a number of car spaces within the complex. ABC’s client visits the office for a business meeting and parks his vehicle in one of the two allocated car spots. At the conclusion of the meeting, which by now is in the evening, ABC’s client, upon returning to his vehicle, slips and injures himself. This due to the fact that the car park lights were not functioning in the area. This is deemed as negligence on ABC’s part, as under the terms of their lease they are responsible for the car spaces. ABC’s client could then seek damages against ABC Company Pty Ltd, as they have failed in their duty of care to provide a safe environment.       Liabilities exist in two forms: Public, Injury to Others, or Property Damage and Products. The latter includes products that you have manufactured or imported (Australian Jurisdiction states - if you import a product, you are deemed the manufacturer) and are therefore liable if that product causes injury to others or property damage.A common example is providing food that causes a salmonella infection. This is incredibly serious and can result in fatal consequences. Another example is toy manufacturing. It is the manufacturers’ responsibility that the toy is safe, tested and complies with Australian standards. Failure to comply may result in personal injury and again fatal consequences. Furthermore, insurers will either not insure or apply restrictions on cover if this is not adhered to.If you have any concerns about Liability Insurance, please contact the team at Peter Vickers Insurance Brokers on:1300 784 011 or enquiries@pvib.com.au
Liability Insurance - Essential Cover

Liability insurance protects an individual or their business against any property damaged or injury caused to a person.It must be …

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This starts for small employers on 1 July 2019. For large employers this started the year before.In practice all employers will need to be using a computer payroll system connected to the Internet. When you prepare the pay for an employee the information including the 9.5% super will be lodged with the ATO computer automatically.The theory is that the ATO will immediately know what is owed to them for PAYG and what has to be paid to the super fund. If you have trouble meeting these tax and super deadlines it will be very easy for the ATO computer to come and hunt you down. You thus need to ensure that you have the funds available at each payroll date, not just for the net wages, but also for the tax and super.Please talk to us if you have cash flow issues. There are many and varied solutions for this.
Share and Property Markets

This starts for small employers on 1 July 2019. For large employers this started the year before.In practice all employers will ne…

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This is not the ATO’s scam but a scam that uses the ATO’s credentials. A nasty person is ringing taxpayers from a telephone that shows the caller as coming from the ATO’s own scam information line.Nice touch.The caller then states that there is money owing to the ATO and thus unless this is paid immediately horrible things will happen to you and then asks that you purchase iPhone tokens or Bitcoins that you then transfer to them.The calls are random and have been received by staff of the Vickers Business Group and even Fred Vickers who just celebrated his 100th birthday who astutely told the caller that his son, Peter, has his tax affairs in order.The newspapers regularly carry stories of people avoiding tax with the ATO taking a high moral ground against that behaviour. The ATO’s inability to stop this type of criminal activity is even a worse abrogation of the ATO’s duty to Australian citizens.
ATO Scam

This is not the ATO’s scam but a scam that uses the ATO’s credentials. A nasty person is ringing taxpayers from a telephone that…

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At the beginning of compulsory superannuation we set up this fund to cater for clients that did not want to be involved with the large superannuation industry.Our experiences in running this fund have confirmed our belief that care is required in one’s involvement with larger organisations. This is irrespective of them being run by government, business or not for profits. You need an intermediary, which is our job with the clearest examples where we act as your tax agent or insurance broker. The same applies to investment and superannuation.The latest news on the Lindfield Superannuation Fund after the manager, Grosvenor Pirie, was sold is that there is no news after 9 months by the new administrator. We however wrote to all members explaining to them what is happening and suggested the options that are available. As we also had no knowledge ourselves about what was happening, this precluded us giving any advice of what to do.One of the rules about personal investment advice is that you need to know all the facts. No facts, no advice possible. This is the first time we have been placed in this prediciment, we can usually come up with an opinion. Members have not even been told by the administrators that there has been a change. In our opinion this is not good service. Most of the large members for the Lindfield Superannuation Fund have set up their own SMSF and we have set up a simple investment trust to assist them in investing their money. We are reporting monthly on the investments to the trustees of the SMSFs.
Lindfield Super Fund

At the beginning of compulsory superannuation we set up this fund to cater for clients that did not want to be involved with the lar…

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Peter Vickers Business Group Proudly Sponsoring the Ku-ring-gai Edition of Monopoly
Monopoly - Ku-ring-gai Edition

Peter Vickers Business Group Proudly Sponsoring the Ku-ring-gai Edition of Monopoly

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This starts for small employers on 1 July 2019. For large employers this started the year before.In practice all employers will need to be using a computer payroll system connected to the Internet. When you prepare the pay for an employee the information including the 9.5% super will be lodged with the ATO computer automatically.The theory is that the ATO will immediately know what is owed to them for PAYG and what has to be paid to the super fund. If you have trouble meeting these tax and super deadlines it will be very easy for the ATO computer to come and hunt you down. You thus need to ensure that you have the funds available at each payroll date, not just for the net wages, but also for the tax and super.Please talk to us if you have cash flow issues. There are many and varied solutions for this.
Single Touch Payroll

This starts for small employers on 1 July 2019. For large employers this started the year before.In practice all employers will ne…

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News Highlights

Sydney, Australia, May 26, 2016 - P eter Vickers Business Group has merged with Bardi Management Group to form the leading Accounting firm in the Hawkesbury.  The merger is effective as of 16 May 2016.
Premier Hawkesbury Accounting Firm Formed
 News Highlights

Sydney, Australia, May 26, 2016 - P eter Vickers Business Group has merged with Bardi Management Group to form the leading Accountin…

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In addition to participating in various other charity events, the Peter Vickers Business Group has now become one of the pivotal sponsors in the Ku-ring-gai Chase and Barry Easy Walk, working to raise funds in support of the Special Olympics.
Peter Vickers Business Group Joins Hands with the Ku-ring-gai Chase and Barry Easy Walk For Special Olympics!
 News Highlights

In addition to participating in various other charity events, the Peter Vickers Business Group has now become one of the pivotal spo…

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Video: Should I have a Self Managed Superannuation Fund?
 News Highlights

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Video: The Advantages of Self Managed Super Funds
 News Highlights

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On 26 March 2012, James Cameron, Explorer and Film-maker, in his submersible DEEPSEA CHALLENGER travelled to a depth of 35,756 feet (almost 11kms) to reach Challenger Deep –  the deepest point on the planet at the bottom of the Mariana Trench.  PVIB ensured that James Cameron’s record breaking solo dive was insured. 
Covering the Incredible with James Cameron
 News Highlights

On 26 March 2012, James Cameron, Explorer and Film-maker, in his submersible DEEPSEA CHALLENGER travelled to a depth of 35,756 feet …

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Case Studies

Ludwig is a client who has built significant wealth and continues to enjoy a high income. He has an ex-wife with whom he has three lovely children, a current boyfriend and another child from a previous relationship.
Case Study: Creating and Protecting Your Wealth
 Case Study

Ludwig is a client who has built significant wealth and continues to enjoy a high income. He has an ex-wife with whom he has three l…

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Suite 2, 345 Pacific Highway,
Lindfield, NSW 2070

T: 61 2 9496 2300
F: 61 2 9416 9149
services@pva.com.au


Peter Vickers Insurance Brokers

Suite 2, 345 Pacific Highway
Lindfield NSW 2070
T: 1300 784 011
F: 61 2 9416 9149
enquiries@pvib.com.au

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Windsor, NSW 2756
T: 61 2 4577 4455
F: 61 2 4577 5987
windsor@pva.com.au


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