@Mandy ******
wouldn't worry so much about work cover being S/E myself. If it's a mum and dad type operation (sounds like it) I wouldn't do it. Take a director dividend or something like that and avoid W/C. But.... Maybe talk to an accountant also. The way I see it the W/C policy is for things that happen within Oz it doesn't cover you internationally so if there's no employees in Oz at risk then why pay it? Just my thoughts definitely not advice.