There is no doubt that Australia’s climate is unique. From torrential downpours, to baking hot summer days – life in Australia happens in any kind of weather.
At Austbrokers, we wanted to suggest a few things to think about when it comes to ensuring you’re ‘climate-proof’. We’ve made a short list of questions worth considering for your business, if you haven’t already.
A good question. While a lot of policies do cover catastrophic events, they might be insufficient for the day-to-day toll on outdoor machinery and equipment. Exposure to the elements over time can lead to mechanical failure.
Shutting down an outdoor site due to equipment issues could be costly. Is your equipment covered for wear and tear? How long could your site cope if you lost essential equipment to repair?
Safety is paramount, and ensuring teams are protected from extreme weather conditions is always on the mind of any site manager. More often than ever, we are experiencing extended periods of high temperatures and wet weather. Could your business cope if it had to shut down work for a week? Two weeks? Three weeks?
This is where an insurance broker can help. Adept at working with unpredictability, a good broker can provide you with options to ensure the weather doesn’t damage your business.
Prevention is always better than cure. Depending on your needs, it might be worth considering:
But the essential consideration is…
…finding an insurance broker who understands Australian weather conditions. You can prepare, but you cannot predict the future. Ensure your broker understands your business, your site and your potential risks.
If you’re preparing a project kick-off, be sure to touch base with Austbrokers before tools-up. It’s essential we ensure you’re properly covered.