Sole trader 都要买什么保险？谢谢！

chere

刚刚注册了abn, 是 sole trader, 想问都要买什么保险呢？多谢！

bbcant

我也想知道沙发

Ozquest

public liability

chere

Ozquest 发表于 2017-7-26 14:49
public liability

谢谢！没有店铺，只是提供professional service， home office， 是不是就不用这个public liability了？多谢！

Ozquest

chere 发表于 2017-7-27 09:55
谢谢！没有店铺，只是提供professional service， home office， 是不是就不用这个public liability了？ ...

still you need the public liability as requirement when you register ABN

chere

Ozquest 发表于 2017-7-27 10:23
still you need the public liability as requirement when you register ABN

谢谢，可以知道为什么吗？public liability不是主要是在办公地点受伤索赔吗？还有什么呢？多谢！

ryanxuqi

Professional Indemnity

sidneygan

Ozquest 发表于 2017-7-27 10:23
still you need the public liability as requirement when you register ABN

注册ABN什么时候要求一定要public liability insurance了?能不能给个reference?

sidneygan

professional service一般需要
Professional Indemnity 和 你自己所在professional body的 cover.

Ozquest

sidneygan 发表于 2017-8-1 14:14
注册ABN什么时候要求一定要public liability insurance了?能不能给个reference?

Employees are not entitled to an ABN. This means you're not entitled to an ABN for work that you carry out as an employee (including as an apprentice, trade assistant or labourer), even if you or your employer calls it contracting. An employer can't ask you to get an ABN as a condition of employment.

A genuine contractor is running a business, which means they:
pay their own income tax and GST directly to the ATO
source their own clients by, for example, advertising their products or services
are able to delegate work to others if they choose without approval from an ‘employer’
quote for work, including setting or negotiating their own prices
invoice for work
maintain a business bank account separate from their own personal account
pay for their own business insurance such as public liability

sidneygan

Ozquest 发表于 2017-8-1 14:47
Employees are not entitled to an ABN. This means you're not entitled to an ABN for work that you c ...

for example, advertising their products or services
are able to delegate work to others if they choose without approval from an ‘employer’
quote for work, including setting or negotiating their own prices
invoice for work
maintain a business bank account separate from their own personal account
pay for their own business insurance such as public liability

种种以上言论,我读到的是business和employee的区别,而没有任何说明你要申请ABN就一定要有public liability Insurance.事实上,在online申请ABN的时候你也不需要provide你的public liability insurance number, 所以,我的理解是ABN不一定就需要public liability insurance.