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Brisbane is the capital and most populous city in Queensland. The third most populous city in Australia, Brisbane boasts a population of over 3.4 million and hosts approximately 4.6 million domestic visitors 1 million international visitors a year. A popular tourist destination for visitors across the globe, the Lonely Planet named Brisbane “Australia’s hippest city” in 2014. Also loved by locals, the city is often referred to affectionately by its residents as ‘Bris-Vegas’.
Brisbane is the most cosmopolitan area in Queensland, which is home to approximately 405,000 small businesses. These businesses can be found in every community and in every region of the state, representing over 97% of businesses state-wide, and employing approximately 43% of all private sector workers.
These small businesses complement the economic activity of larger organisations by providing them with goods and services. They drive regional development and offer many people the opportunity to enter the economy. Such a significant contributor to the Australian economy and community, businesses in Brisbane and in Queensland should be protected.
PSC Direct Insurance Brokers have researched the specific risks that businesses in the area are exposed to, so we can recommend insurance policies that will offer the most protective cover.
Our Insurance Brokers can help your business survive the unexpected, with minimum losses.
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What Are the Specific Risks Faced By Brisbane Based Businesses?
Situated on a low-lying floodplain, Brisbane is often exposed to major floods, the worst occurring in February 1893, January 1974 and most recently in January 2011. These floods cause severe damage to businesses across the city, which often results in a temporary halt to operations.
It’s important that businesses in Brisbane and other areas of Queensland are fully protected for flood damage and the costs they may incur as a result of ceased operations. Appropriate insurance cover can ensure your business survives with minimum losses.
From 2001 until 2010, Brisbane and its surrounding areas experiences the most severe drought in over a century, with dam levels dropping to just 16.9% of their capacity. Residents and businesses had to function under local laws surrounding water restrictions and usage.
The agricultural industry is a major consumer of water in the Queensland economy, so the 30,000 businesses operating in this industry can be severely impacted by drought. Contributing over $10 billion annually to the Australian economy, it’s important that these agricultural businesses are fully protected with an appropriate insurance policy.
Hospitality & Tourism
Brisbane is the third most popular tourist destination in Australia, after the huge metropolitan hubs of Sydney and Melbourne. Tourism plays a major role in Brisbane’s economy, with sights such as South Bank Parklands, the City Botanic Gardens, Brisbane Forest Park and the Lone Pine Koala Sanctuary drawing national and international visitors to the area.
These businesses not only contribute to the state’s economy, but also offer employment opportunities for people across the state. Such great responsibility should be backed up with a comprehensive insurance policy that covers things like Public Liability, Fire and Storm Damage, Theft and Personal Injury.
Brisbane lies in the Tropical Cyclone risk area. While severe cyclones are rare, the city is often exposed to severe thunderstorms in the Spring and Summer months. These thunderstorms have been known to cause significant damage to homes and businesses across the state, by tearing off roofs, felling trees, shattering windows and destroying cars.
When hit by serious storms, businesses can struggle to cover the financial costs necessary for repair and may have to cease operations temporarily or permanently. Appropriate Property and Business Interruption insurance policies can help companies survive with minimum losses.
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What Do Insurance Brokers Canberra Do?
Choosing the right cover for your business can be complicated, but it is necessary to fully protect your business, assets and livelihood. At PSC Direct, we make it easy for you to get the cover you need, when you need it.
Our expert Brisbane Insurance Brokers have analysed the risks in the area, in order to source the most appropriate cover for your business, whatever sector you operate in. Insurance Covers we may suggest for Brisbane businesses may include:
- Business Interruption Insurance: Covering loss of profits while your business is out of action and protecting your business for loss of income or expenditures sustained as a result of direct loss, damage, or destruction to your insured property.
- Commercial Property Insurance: Providing your business with financial protection against damage to your physical assets.
- Hospitality Insurance: Specialist business insurance curated to address the risk exposure of businesses operating within the Hospitality sector.
- Professional Indemnity Insurance: Protecting professionals against legal costs and claims for damages to third parties, which may arise out of an act, omission or breach of professional duty in the course of their business.
- Tax Audit Insurance: Covering professional accounting fees that arise from an audit conducted by the Australian Taxation Office (ATO) or any other Australian (Federal, State or Territory) government agency, which has the statutory responsibility to conduct audits in relation to taxation, duties, or levies.
Get a Quote
As specialist small business insurance brokers, PSC Direct uses our considerable experience to provide multiple quotes for you. Combining our expertise insuring thousands of other similar businesses with our detailed database of insurers and insurance products; we’re best placed to advise you on the right insurance for your business.
We have strong relationships with the leading underwriting agencies and insurance companies. We can source the most appropriate business insurance policy for you, covering you for what you really need, at the right price.
If you are a Brisbane-based business owner, we can find a policy to suit your unique requirements.