Is Your Business Prepared for Cyclone Season?

Cyclone

Australia’s cyclone season officially runs from 1 November to 30 April, but cyclones can form from as early as July and as late as the end of June.  Even the slowest cyclone season can cause millions of dollars of damage to homes and businesses.  Is your business prepared for cyclone season?

 

There are several ways that cyclones cause property damage.

  1. Wind damage. A tropical storm becomes a cyclone when its wind reaches a maximum sustained wind speed of more than 119 km/h.  Such high winds can tear off the siding or even a roof and send debris crashing into anything in its path resulting in exterior damage to buildings.
  2. Fresh water flooding from heavy rainfall. Typically these storms lose wind energy within a day after landfall, but heavy rains can continue for days as the storm moves inland and cause widespread flooding.
  3. Salt water flooding from storm surge. Before cyclones reach the coastline, sea levels rise and create massive waves that can flood the coastal areas.

 

Here are some steps that you can take to minimize damage to your business during the cyclone season:

  1. Clearly identify any possible risks to your business from a cyclone. This includes ensuring there are no loose roof parts, cutting any overhanging branches, securing any loose items that would damage your building during high winds and taping or covering windows.
  2. Check with your local council for information on your local disaster plan, including evacuation center locations and any preferred routes.
  3. Meet with your entire staff and clearly explain all procedures and duties for each person to prepare for the upcoming storm and in the event of an emergency.
  4. Create a list of emergency phone numbers such as the emergency services and your key staff.
  5. Have a laptop that is charged and has a car charger.
  6. Make sure that you have enough stock on hand to keep your business running after the storm if possible. Supply routes may be cut off for some time after a storm.  Spare parts for equipment should also be at the ready.
  7. If needed, relocate equipment and vehicle to a safe place or take steps to secure them.
  8. Back up your company’s data and make sure computers, servers, programs and licenses are in a safe place.
  9. Ensure any important documentation, such as insurance and financial information is secure in a fire-proof box.
  10. Prepare an emergency kit.

 

One of the most important things you can do to make sure your business is prepared for the upcoming cyclone season is to ensure that you have sufficient property insurance.  Your PSC Insurance Broker would be happy to review your business insurance policy with you and review procedures in the event that you need to make a claim.

 

Sources:

https://www.business.qld.gov.au/business/running/disaster-resilience-and-recovery/preparing-business-natural-disaster/disaster-storm-surge

 


Conditions apply for each policy and the information expected from you for a policy to trigger. Coverage may differ based on specific clauses in individual policies. Please ask your broker to explain the additional benefits and exclusions pertaining to your policy.

The information provided is general advice only and does not take account of your personal circumstances or needs. Please refer to our financial services guide which contains details of our services and how we are remunerated.


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