合约、执照与协议

作为企业主，您必须了解自身的法律权利与义务，并明确知道何时应寻求专业法律咨询。若忽视这些事项，您的企业可能面临严重后果，例如诉讼、罚款、业务停摆甚至被迫关闭。

相关的法律要求不仅能保护您的企业与客户，还能带来其他好处。例如，税法要求准确的纪录保存，这不仅符合法规，还有助于减少损失并管理现金流。

常见的商业合约与协议类型包括：

企业买卖合约
特许经营协议
厂房与设备购置或维修合约
广告合约
经销权协议
供应合约
服务合约
贷款/融资合约
与客户及承包商之间的协议

Contracts, licences, and agreements

You need to understand your legal rights and responsibilities as a business owner and know when to seek professional advice. If you don't, your business can experience serious problems, such as legal action, fines, business suspension and closures.

Various legal requirements that will protect your business and customers may apply, but they can also provide other benefits—for example, accurate record keeping is a requirement under tax laws and it helps you to minimise losses and manage your cash flow.

Common types of contracts and agreements in business include:

Business purchase or sale contract
Franchise agreement
Plant and equipment purchase or maintenance
Advertising contracts
Distribution rights
Supply contracts
Service contracts
Loan/finance contracts
Agreements with customers and contractors

租赁合约

在签署租赁合约之前，您必须确信自己完全理解并能履行其中的所有条款与条件。如果您的企业在租赁场所经营，请务必熟悉以下相关条款与事项：

租赁条款与条件
租期选项与到期日期
租约转让或移转规定
允许用途范围与限制
地点、分区用途与不动产说明
搬迁或拆除条款
维修与保养责任归属
营业时间要求
政府及都市规划相关法规

Leases

Before you sign a lease, you need to be confident that you understand and can meet all the terms and conditions. If your business operates from leased premises, ensure you are familiar with all the terms and conditions in relation to:

Lease terms and conditions
Term options and expiry dates
Assignment or transfer of lease
Permitted use and restriction
Location/zoning/real property description
Relocation or demolition clause
Responsibility for repairs and maintenance
Trading hour requirements
Government and town planning regulations

保险

不要等到需要理赔时才检视您的产品披露声明 (PDS)。请务必亲自阅读，或委托专业人士审阅，以确保了解保险涵盖的范围。随时留意产品披露声明的更新或变更内容。保险政策的承保范围可能包括：

火灾与窃盗保险
公共责任保险
车辆保险
死亡与伤残保障
合伙人与关键人员保险
专业赔偿责任保险
运输中货物保险
收入保障保险
租户保险

Insurance

Don't wait for a claim before examining your product disclosure statements (PDS). Read them, or pay someone else to read them, and be sure of what you are covered for. Keep up to date on any changes to your PDS. Insurance policies may include cover for:

Fire and theft
Public liability
Motor vehicles
Death and disability
Partner and key person
Professional indemnity
Goods in transit
Income protection
Tenants