For charities, non-profits, and community organisations, insurance isn’t just a regulatory requirement – it’s a safeguard against financial and operational risks. Many NFPs operate with tight budgets, making it tempting
Comprehensive Carpenters Insurance in Australia
Carpenters Insurance Discontinued ACS Financial has made the decision to discontinue Carpenters Insurance as we shift our focus to other core financial services. While we no longer provide this coverage,
Handyman Insurance: What You Need to Know
Important Update: Handyman Insurance Discontinued ACS Financial has made the decision to discontinue Handyman Insurance to focus on other core financial services. While we no longer provide this coverage, we
Owner Builder Insurance: What You Need to Know
Owner Builder Insurance Discontinued ACS Financial has made the decision to discontinue Owner Builder Insurance as we focus on other core financial services. While we no longer provide this coverage,
Beauty Salon Insurance in Australia: What You Need to Know
Beauty Salon Insurance in Australia: What You Need to Know Beauty Salon Insurance Discontinued ACS Financial has made the decision to discontinue beauty salon insurance to focus on other core
Tradie Tool Insurance – What You Need to Know
Tools Insurance Discontinued ACS Financial has made the decision to discontinue our tools insurance offering to focus on other core financial services. While we no longer provide this coverage, we
Comprehensive Motor Vehicle Insurance: Protecting What Matters Most
For over 30 years, ACS Financial has been committed to providing financial solutions to churches, ministries, Christian schools, SMEs, not-for-profits, and individuals across Australia. Over the years, we have built
Comprehensive Strata Insurance for Your Property
Strata Insurance – Now Discontinued ACS Financial has made the decision to discontinue offering strata insurance to focus on other core financial services. While we no longer provide this coverage,
Protect Your Holiday Home with Short-Term Rental Insurance
Short-Term Rental Insurance – Now Discontinued ACS Financial has made the decision to discontinue offering short-term rental insurance to focus on other core financial services. While we no longer provide
Protecting Your Investment: A Guide to Landlord Insurance
Why Landlord Insurance Matters Owning an investment property comes with significant financial responsibility, and ensuring that your property is properly protected is essential. Landlord insurance safeguards your rental property from
Event Insurance for Charities: Covering Fundraisers, Galas & Public Events
Charity events bring people together for important causes, whether it’s a gala dinner, a fun run, or a community festival. However, running these events comes with risks. A guest could
Do Charity Volunteers Need Insurance? Understanding Your Responsibilities
Volunteers are the heart of many Australian charities. They donate their time, skills, and passion to help causes that make a difference in communities across the country. From organising fundraising
Cyber Insurance for Charities: Protecting Donor Data & Preventing Breaches
The Growing Threat of Cybercrime in the Charity Sector Cybercriminals are increasingly targeting charities and not-for-profit organisations. Unlike large corporations, many charities operate with limited IT budgets, outdated security systems,
Common Insurance Mistakes Charities Make & How to Avoid Them
Why Insurance Mistakes Can Be Costly for Charities Charities operate with the best intentions, but even the most well-meaning organisations can find themselves in financial and legal trouble due to
How Much Public Liability Insurance Do You Need?
Public liability insurance helps protect your organisation from claims of accidents, bodily injuries, or property damage that can arise when working with the general public or third parties at your
Understanding Indemnity Risks for Accountants
Understanding Indemnity Risks for Accountants Accountants are detailed and diligent by the nature of the services they provide. However, from time to time, mistakes can occur in the services and
Why Commercial Property Insurance Premiums are on the Rise
Why Commercial Property Insurance Premiums are on the Rise Commercial property insurance premiums are rising due to a number of factors, including: Inflation: The cost of replacing assets, like buildings
Cyber Insurance: What Churches Often Get Wrong
It’s no surprise that cyber-attacks are on the rise. At ACS Financial, we see it firsthand. Churches and ministries use email, online banking, and websites daily, making them easy targets.
Why Builders Need Public Liability Insurance
Why Builders Need Public Liability Insurance Owning a construction business often means you have your hands full. Whether you’re a builder or a subcontractor, there’s much to oversee, do, and
How Natural Disasters Influence Commercial Property Insurance Underwriting
If you consider purchasing a property in a high-risk area, you may wonder how the natural disaster history/risk can impact your premium. This article breaks down how risk is assessed
Which Industries Need Product Liability Insurance?
Which Industries Need Product Liability Insurance? Product liability insurance is important for businesses of all sizes, including small businesses and startups. Even if you think your products are safe, accidents can
Understanding Professional Indemnity Insurance: How to Choose the Right Coverage
Determining the appropriate amount of professional indemnity insurance coverage requires careful consideration. Professional indemnity insurance protects you against claims for loss or damage alleged by the insured’s clients or third parties
Tips to Burglar-proof Your Home
Understanding what burglars target can significantly enhance your ability to protect what matters most. This article explores common theft targets and provides practical strategies for securing your property, specifically for
Top 10 Things You Need to Know Before Starting a Church Café in Australia
Considering starting a church cafe? As a church leader, you’re always looking for innovative ways to extend your ministry and engage your community. A church cafe could be the perfect
People First: Balancing Mission Objectives with Team Well-being
At ACS Financial, we understand that organising a mission trip involves meticulous planning and a robust understanding of potential risks. Ensuring the safety and success of your team comes down
Why Travel Insurance is a Must for Your Next Adventure
Months of planning, countless hours researching destinations, and a sizable investment – there is no denying the effort that goes into organising the perfect holiday. From medical emergencies to flight
What Kind of Insurance Does My Church or Charity Need?
As a leading provider of financial services for churches, Christian schools, ministries, and non-profit organisations in Australia, ACS Financial understands the unique challenges and risks these organisations face. Ensuring your
Batten Down The Hatches: Your guide to preparing, responding and recovery
The Australian climate is often one of extremes. Dorothea Mackellar sums it up perfectly in her poem My Country, a sunburnt country…of droughts and flooding rains. Recent years have certainly
Protecting Your Ministry: Why Corporate Travel Cover is Essential
As a ministry based in Australia, travel may be a key part of fulfilling the mission and vision of your organisation. Common scenarios include: Flying interstate for a conference Overseas
Why you Need for Travel Insurance for your Mission Trip
If your church or ministry plans a mission trip, you will realise that the costs of flights, accommodation, food and activities can quickly add up. At this stage, it can
Financial Freedom for Your Church: Expert Refinancing Tips for Church Leaders
Refinancing can offer numerous benefits to a church, from reducing monthly repayments to freeing up cash for important ministry initiatives. However, the process involves considerable effort and an understanding of
Running a Safe Church Op-shop
Op-shops have certainly re-emerged as an all-round experience for all ages! People enjoy finding bargains, scoring one-of-a-kind pieces or feel good when they can pay it forward by donating goods.
Comprehensive Guide to Camp Safety and Risk Management
Some of the best memories, friendships and moments with God happen during church camps. And to those organising the camp, there is a responsibility to plan an enriching event and
Management Liability Insurance for Churches
Safeguard Your Ministry: Demystifying Management Liability for Churches At the heart of every community, our churches and ministries stand as beacons of support, compassion and guidance. Our churches are essential
Safeguarding Your Business: A Comprehensive Guide to Commercial Property Insurance
When protecting your commercial property in Australia, unforeseen events like accidents, natural disasters, and theft can pose significant threats to your assets. In this guide, we’ll explore these aspects of
Understanding Business Interruption Insurance in the Australian Commercial Property Landscape
We are all aware that life can interrupt even the best-laid plans. While many companies ensure their buildings and contents are covered for fire and accidental damage, physical property loss
Avoid Undervaluing Your Assets
“Undervaluing your assets could significantly impact your ministry” Statistics gathered from our 2020-2021 Church Property portfolio found that over 80% of properties protected had not had their values amended by
A Comprehensive Guide to Commercial Property Insurance in Australia
IntroductionIn the dynamic world of business, Commercial Property Insurance plays a vital role to offset the risks of uncertainty. From unforeseen natural disasters to unexpected accidents, the commercial landscape can
Professional Indemnity Insurance: A Guide For Pastors
In today’s social and politically correct climate, the unchanging word of God can be confronting and unsettling for many people. Have you ever found yourself worried about what you say,
Workers Compensation Insurance
Workers Compensation InsuranceAn essential aspect of employee protection in any workplaceWorkers Compensation Insurance is an essential aspect of employee protection in any workplace. It provides coverage to employees who may
Valuing and Protecting Our Volunteers
Our volunteers are precious. Week in, and week out, dedicated individuals seek to serve our churches in a myriad of ways. Consider the worship teams who diligently meet midweek to
Church Public Liability – Hall Hire
Churches often choose to make their facilities available for hire for a wide range of activities and functions. Community organisations may request to use your property to run conferences, training sessions,
Privacy Breaches and Cyber Liability
Privacy Breaches and Cyber Liability ProtectionWhat your faith-based organisation needs to know...Millions of Australians have recently been impacted by the significant cyber-attacks carried out against Optus, Woolworths, and Medibank. These
Risk Management Bunnings Sausage Sizzle
Key Steps to a Successful Bunnings Sausage Sizzle"Everything you need to know to get the most out of your Bunnings Sausage Sizzle fundraiser"What you need to know: risks, costs & planning
What Insurance Do I Need for an Airbnb?
What Insurance Do I Need for a Short-Term Holiday rental?Choosing to become a short-term holiday host using Airbnb or another similar platform presents a wonderful opportunity for many. If you’ve
Does Landlord Insurance Cover Airbnb?
Does Landlord Insurance Cover Self Managed Holiday Rentals like Airbnb?When choosing to become a holiday rental host on platforms like Airbnb and Stayz or similar, there’s often an element of
Church Risk Management
Risk management and risk assessments – these are terms which are frequently bandied about, and most churches and ministries have a general understanding that it is something important that must
Boards and Their Responsibilities
Being asked to become a board member for your church or a Not-For-Profit organisation can be a great honour and provides you the opportunity to work collaboratively with a group
COVIDSafe Church Plan
COVIDSafe Church PlanReturning back to ChurchThroughout the current pandemic, we have seen some wonderful examples of how God’s church has continued to minister in communities under difficult circumstances. As restrictions at
Church Online – Staying Safe Online
The COVID-19 pandemic has forced churches, ministries and businesses worldwide to adapt very quickly and develop new and creative ways of continuing their work.Restrictions on large gatherings have seen churches