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25 February 2026
If a storm damages your business premises, which may mean you can’t open in the foreseeable future, think – what impact would that have on your business?
Or what if your location was cut off and customers and suppliers couldn’t get to you – what impact may that have on the community around you?
If you’re a local business owner, it’s likely you’re at the heart of your community and many depend on your goods and services to keep things running.
And unfortunately, interruption can strike businesses at any time, disrupting things like operations and communities, so think about what support measures you have in place.
For many of us, the prospect of natural disasters and other events impacting our communities is sadly very real. Events can happen quickly – but depending on the circumstances, they can take a long time to recover from.
Sometimes, businesses consider cover for their business premises, contents and vehicles but may not consider interruption impacts until faced with one.
Business Interruption insurance may help support your business continuity and recovery after an insured event, subject to the policy terms, conditions, limits and exclusions. If you have property damage or loss that’s covered under your policy, it can help you get back up and running.
If your business can’t trade as usual due to an insurable event, your income and cash flow may be impacted.
As a business owner, you may want to consider from a business interruption perspective not only the immediate impact of a disruption, but also the knock-on effect this may have to your particular business and circumstance.
Depending on your particular business circumstance, there may still be wages to pay, and rent or mortgage commitments to meet, and unfortunately the road to recovery may not be straightforward. Trades can be in high demand, so there can be significant challenges, if relying on third parties, to getting your business back up and running.
In some cases, agreements with suppliers may not automatically stop. This can mean a business is financially impacted in this time if they need to continue paying suppliers notwithstanding the disruption.
By working with a local expert, they may be able to help you understand cover options so you can decide what is right for you and your business.
At Elders Insurance, we know businesses aren’t just important to you – they’re also a vital part of local communities. As well as being your livelihood, you’re an integral part of the community, and impacts to your businesses can unfortunately flow on to the community around you. You may employ local people, sponsor local sports teams, and provide important community services.
Depending on the circumstances of your claim, if the loss or damage part of a Business Interruption claim is covered under the policy, your business may be able to get back up and running sooner – and this is a win for your surrounding community.
Business Interruption insurance may help your business recover from an insurable event if it is covered under the policy – which can help your business get back on track sooner.
We’ve made it our business to understand local communities and the businesses at the heart of them – speak to your local Elders Insurance Agent today to learn more about Business Interruption Insurance.
Elders Insurance (Underwriting Agency) Pty Limited (ABN 56 138 879 026, AFSL 340965), acting under its own AFSL, distributes these insurance products on behalf of QBE Insurance (Australia) Limited (ABN 78 003 191035 AFSL 239545), the product issuer. Normal underwriting rules apply. Any advice provided is general only and has been prepared without taking into account your objectives, financial situation or needs and may not be right for you. Please read all sections of the relevant Policy Wording or Product Disclosure Statement and any applicable Target Market Determination to determine if the product is appropriate for you. If you are unsure, please speak with your local Elders Insurance Agent.
