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Posted by on in General

As a sole trader or small business owner, there’s no doubt you’re aware of the importance of protecting your business and your customers with Public Liability insurance. It offers protection should a customer, supplier, or member of the public, sue your business for personal injury, death, or damage to their property. And whilst you probably take every care not to injure someone or damage their property, it doesn’t mean you won’t be found negligent should an unwanted accident occur, or someone attempts to make a claim against you. As cliché as it sounds, accidents do happen. If you don’t have Public Liability insurance you face the risk of being out of pocket for hefty legal and compensation costs that can potentially cripple your business.

However, not all Public Liability policies on offer are the same, and there are plenty of factors to consider besides the cost when choosing a policy for your business. Here are five key considerations to make finding and comparing a Public Liability policy a little easier:

1.       Ensure the policy covers all of your business activities

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The Migration Alliance has received a very disturbing report from a Registered Migration Agent concerning conduct by “offshore” persons who are not Registered Migration Agents involving communications with Departmental officers concerning visa applications. 

As all Registered Migration Agents will be very well aware, section 280 of the Migration Act makes it a criminal offence, subject to a penalty of 80 penalty units (currently $180), or $14,400 for a person who is not a RMA to give immigration assistance.  And section 281 further provides that a person who is not a RMA may not ask for or receive any fee or other reward for giving migration assistance, and that doing so may result in a sentence of imprisonment of 10 years. 

Perhaps less familiar is section 282, which further provides that a person who is not a RMA must also not ask for or receive a fee or other reward for making “immigration representations”.  Likewise, such conduct is subject to a penalty of 10 years in prison. 

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Do you think there is little you can do to help your client at a hearing before the Administrative Appeals Tribunal? 

Do you think that your role as a migration agent or lawyer at the Tribunal amounts to being nothing more than a “bump on a log” as a result of section 366A(2) of the Migration Act ­– which provides that: 

The assistant is not entitled to present arguments to the Tribunal, or to address the Tribunal, unless the Tribunal is satisfied that, because of exceptional circumstances, the assistant should be able to do so”

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We recently handled a case in which a consumer product wholesale business was planning to hire a Technical Sales Representative. On the surface, it may seem like a straightforward case, especially because the position fits the nature of the business. However, the case officer still questioned about the genuine position.

Apart from compiling and addressing the IMMI checklist in a thorough and logical way through a methodological approach, we structured the genuine position report that harnessed the need of the nominated occupation within this particular business’ context.

We analysed the case within the viewpoint of the wholesale and consumer product industry and were able to appropriately structure a report that:

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How is the Office of the Migration Agents  Registration Authority to interpret the concept of “fit and proper person” under section 290 of the Migration Act? 

Is it possible to become a Registered Migration Agent even if you have a history of criminal convictions in Australia? 

Suppose a conviction is “spent”? What does that term mean? And can a “spent” conviction be taken into account when the MARA considers an application from a person seeking to become a RMA? 

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