I don't know what business you're in Old Akro
One that is groaning under the weight of insurance. Phones / internet was traditionally my single biggest expense. Now its insurance.
In March April my car insurance (x8), building insurance, equipment insurance, public liability Insurance, Professional indemnity all come at once. Not a happy time. I am an engineer, but my PI is twice my wife's as a GP. Go figure. Australia is too small a market for anything that is not mainstream.