When there is No Warning the Best Plan you can have is to be Prepared and Insured

By Peter Vickers Insurance Brokers | small business insurance, insurance broker, Insurance, natural disaster plan |

While we can’t control the weather, there are plenty of actions small businesses can take so that in the event of a natural
disaster, their premises and their staff have good protection. Read More

Research[2] shows bushfire risks are growing across Australia, especially in coastal Western Australia, central
Queensland and in large parts of NSW, the ACT and Victoria. This year’s La Niña weather event means there’s also a
greater risk of cyclones and floods at the moment.

The Bureau of Meteorology says a La Nina is underway and latest indicators show the atmosphere is responding to changes in ocean temperatures.

“This feedback process is known as ‘coupling’, and it means La Nina conditions are now expected to be locked in until at least the end of summer,” the bureau said on Tuesday.

The La Nina weather pattern typically leaders to wetter-than-normal periods for eastern, northern and central parts of Australia and an elevated cyclone risk. Read more

“Regardless of whether La Nina thresholds are sustained for three months or for a shorter period, the presence of La Nina-like patterns in the Pacific increases the chances of above-average rainfall for northern and eastern Australia during spring and the coming summer,” BOM’s latest BOM Climate Driver Update report says. Read more

There are lots of resources to assist businesses to prepare for natural disasters. What’s important is to have a plan in
place and understand the steps to follow if a major catastrophe is imminent.

How to prepare for fire
The first step in preparing for a fire is to understand the risks you face. This starts with an assessment of how your
physical premises could be affected by bush or other types of fires.

How to prepare for storms, floods and cyclones

The La Niña weather pattern means it’s critical to be prepared for more frequent and severe storms and rain events. As
with bushfires, the first step is to clear gutters and downpipes of debris and anything else blocking them to help prevent
water ingress in the event of a storm. It’s advisable to hire experienced tradespeople to do this work.

It’s also essential for the business to develop a communication and evacuation plan and processes to follow if a storm or
other weather event is approaching. This involves making sure first aid kits are accessible and stocked.
Back up all the business’ data, ideally in the cloud. Depending on the nature of the threat, it may be advisable to remove
any IT and electronic equipment from the business premises or re-locate equipment on lower floors to higher ground.
This also applies to any stock that could be damaged by either storms, floods or cyclones.

Want to understand what's behind the weather cycles read more

Talk to us at Peter Vickers Insurance Brokers Pty Ltd on 1300 784 011

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