Prepare yourself and your business for bushfire season
As we come into bushfire season, it is important for everyone to have access to the appropriate resources and have prepared for the summer bushfire season and additional risks.
It is equally essential to ensure your business has the right insurance cover in place so when a natural disaster such as a bushfire happens, you can pick up from where you left off as quickly and as stress-free as possible.
Let’s review some top tips and resources to help you manage the risk and subsequential stress of a natural disaster situation.
Develop an emergency management plan
An emergency plan is vital for anyone looking to reduce risk. Ensure you review your plan regularly with your family or employees, checking that it is up-to-date and still fit for purpose. You can find resources and templates on the Australian Government Business website here.
Check your cover
Make sure your current insurance policy is up-to-date and that your broker or insurer is aware of any assets or changes to your business, farm or property. Ensure that any changes are disclosed as soon as possible to avoid additional stress or issues when it comes to claim time. Insurance can be complicated, and with high stakes, it’s not worth the risk. An insurance broker works for you, not the insurer, so you can feel confident that your policy has been chosen for your specific requirements.
Although text alerts are convenient, ensure that you are actively checking local emergency websites or listening to the radio regularly if a Bushfire is in your local area. Even if it is a fair distance away, it is crucial to remain informed of any changes that may present a risk to you, your business, farm or property.
If circumstances do change, start getting family or employees, important possessions, and documents ready to leave at any time. Bushfires can move very quickly and can change direction without warning. Ensure the roads/exits you are taking are not blocked and that you take the advice and act quickly when instructed by the local authorities.
Additional resources include the Australian Disaster Resilience – Knowledge Hub, as well as, an interactive map located on the National Emergency Management Agency Website. This map allows anyone in Australia to see the effects of a natural disaster, past or present, by Local Government Areas.
You can find more information on your specific state through the following links:
- ACT Emergency Services Agency
- NSW Rural Fire Service
- NSW State Emergency Service
- Northern Territory Police, Fire & Emergency Services
- Queensland Fire and Emergency Services
- South Australia Fire and Emergency Services
- Tasmanian Department of Police, Fire & Emergency Management
- Victoria Emergency Management
- Western Australia Department of Fire & Emergency Services
All information in this article is general only. This article does not take into account your specific objectives, financial situation or needs. It is also not financial advice, nor complete. Deductibles, exclusions and limits apply to insurance. Cover differs between insurers.