With Pocket

With Pocket We run businesses. We insure businesses. That's why we actually get it. Plain English. Real humans. No BS.

20/08/2026

We posted about vacant land insurance and the comments were brutal. 😅

"Scare tactics." "Money for nothing." Fair enough if it sounds like a scam and if you think trespassers can't sue you. But that's the exact bit most people get wrong. Here's what Australian law actually says 👇
https://withpocket.com.au/insights/vacant-land-liability-insurance-australia/
General information only, not personal advice.

"It's just an empty block — why would I insure it?" It's the most common thing we hear about vacant land insurance. Here...
19/08/2026

"It's just an empty block — why would I insure it?"
It's the most common thing we hear about vacant land insurance. Here's the uncomfortable truth: an empty block isn't low-risk, it's unmanaged — and that's exactly where liability comes from.

If someone's injured on your vacant land, "I wasn't using it" won't protect you. Australian law holds landowners responsible even for trespassers, in some circumstances.

The full explainer (including the actual case law) is on our blog 👉 https://withpocket.com.au/insights/vacant-land-liability-insurance-australia/

"I know I should sort out cyber security, I just don't know where to start." If that's you, you're most small businesses...
13/08/2026

"I know I should sort out cyber security, I just don't know where to start." If that's you, you're most small businesses.
Australia's cyber security agency has a framework for exactly this — the Essential Eight. We translated it into plain English and put the 8 controls in the order that actually matters, starting with the free ones.
Full guide 👉 https://withpocket.com.au/insights/essential-eight-small-business-australia/
General information only, not personal or IT security advice.

06/08/2026

Yes, you don’t need an IT team for this. The most effective cyber security fix for your business is free.

It’s 2FA. It’s the second code when you log in. Most businesses get hacked because someone got their password. 2FA means the password alone isn’t enough.

Turn it on for your email first. Shouldn’t take more than 10 minutes and it costs $0. Checklist coming soon.

Small business Australia, AU biz, cyber security, small business tips, cyber awareness, SME security

31/07/2026

The Pocket team trading stand-up ↔️ Sit-down 😋

That "quick update our bank details" email might not be from who you think. Business Email Compromise is now one of Aust...
27/07/2026

That "quick update our bank details" email might not be from who you think. Business Email Compromise is now one of Australia's most common cybercrimes and it works by exploiting trust, not hacking your firewall.
The single best defence costs nothing: verify any payment-detail change with a phone call to a known number, never by replying to the email.
Full guide (and what it means for your cyber cover) 👉 https://pkt.news/BEC

"Just get a broker" … but is that actually right for your business?The honest answer isn't the one you usually hear. Buy...
15/07/2026

"Just get a broker" … but is that actually right for your business?
The honest answer isn't the one you usually hear. Buying insurance online yourself is often perfectly fine — if you're a sole trader, home-based, with standard cover needs. It gets riskier when you've got staff, client contracts, or a business that's changing fast.
We broke down when to self-serve, when it's worth getting advice, and the one disclosure trap that catches people out. No jargon, no hard sell.
Read the full guide 👉 https://pkt.news/insurance-broker-vs-diy

General information only, not personal advice.

Australia's privacy regulator — the OAIC — completed its first-ever compliance sweep in January earlier this year.60 bus...
29/06/2026

Australia's privacy regulator — the OAIC — completed its first-ever compliance sweep in January earlier this year.
60 businesses across 6 sectors.
Checking two things: whether privacy policies comply with APP 1.4 (clear, up-to-date, and accessible) and whether businesses are notifying people about data collection at the point of collection under APP 5.1.

Non-compliant businesses face infringement notices and penalties of up to $66,000 per infringement.
This sweep isn't limited to those 6 sectors. Any business that collects personal information should treat it as a signal that the OAIC is moving from education to enforcement.

From 1 July, over 100,000 additional small businesses also lose their Privacy Act exemption due to AML Tranche 2 — accountants, lawyers, real estate agents, and conveyancers.

The insurance angle: Standard Business Pack policies don't cover OAIC investigation costs, legal fees, or third-party privacy claims. Cyber + Privacy Liability insurance is the purpose-built cover.
Free review at withpocket.com.au/book-an-introductory-call/

1 July is days away and if you work in accounting, law, conveyancing, or real estate, your compliance obligations change...
26/06/2026

1 July is days away and if you work in accounting, law, conveyancing, or real estate, your compliance obligations change significantly on that date.
AML Tranche 2 brings these professions under Australia's anti-money laundering and counter-terrorism financing regime for the first time. From 1 July you need to have AUSTRAC enrolment completed, a risk assessment done, an AML/CTF program in place, and customer due diligence processes running.

Penalties for non-compliance: up to $6.6M for individuals and $33M for corporations.

Two insurance implications worth acting on before 1 July:
① Review your Professional Indemnity policy — your professional duties are expanding and your current limit and wording may not reflect that
② Consider Cyber + Privacy Liability cover — AML/CTF due diligence means collecting more personal data, and from 1 July you'll lose your Privacy Act small business exemption for that data

Free coverage review at https://pkt.news/policy-review
Read the full article: https://pkt.news/aml-tranche-2

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