Protecting Your Business from Tassie’s Wild Weather, Which Doesn’t Care If It’s Christmas.
RSM Tasmania has been a part of Tasmania’s business world for over 20 years and, like you, if you’ve lived in Tasmania longer than five minutes, there is one things we know for sure: our weather has no respect for your plans, your Christmas holidays, or your emotional wellbeing.
One moment you’re enjoying a calm summer’s day… the next moment a storm rolls in sideways, knocks out the power, and tries to relocate your outdoor furniture to Burnie.
And that’s why we provide the Business Insurance Tasmania needs, which can be so important this time of year. Because while you might be switching off for the holidays, the weather absolutely is not.
Let’s look at the risks you don’t want waiting for you when you return from your well-earned break.
🌩️ Summer Storms + Empty Buildings = A Very Bad Combo
December and January bring flash flooding, power surges, lightning strikes, and wind that seems to appear from another dimension.
If your business is unattended, even a small issue can become a major (and expensive) problem:
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- A roof leak can ruin stock, equipment, or furnishings.
- A power surge can fry POS systems and fridges.
- Floodwater can cause structural damage that halts operations for months.
Holiday closures are great for relaxation… terrible for early detection.
🌬️ Check the Roof Before the Sky Checks It for You
Roof damage is one of the most common summer-weather claims in Tasmania.
Loose tiles, cracked seals, blocked gutters — small things that become big things the moment a storm arrives.
A quick pre-Christmas inspection helps prevent:
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- Water damage
- Mould
- Ceiling collapse
- Stock loss
It’s very hard to enjoy a pavlova when you’re imagining what your shop ceiling might be doing without you.
⚡ Power Surge? Storm Damage? Let’s Make Sure You’re Covered
Storm-related insurance claims often involve:
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- Electrical surges
- Damaged communications equipment
- Refrigeration failure
- Uprooted signage
- Water-damaged stock
Not all policies automatically cover every weather-related issue, so a fast check with your broker now can stop nasty surprises later.
🌧️ Protect Outdoor Areas (Because the Wind Loves a Free Gift)
Have outdoor umbrellas, signage, furniture, bins, or displays?
Storm winds can pick them up, throw them across a car park, and introduce them to someone else’s property.
Securing or storing them reduces risk — and reduces the chance of your insurance broker calling you on Boxing Day with an “interesting update.”
🧯 Don’t Forget Business Interruption Cover
Even if repairs are covered, being closed while waiting for repairs is still expensive.
That’s where business interruption insurance steps in, keeping your cashflow alive while the physical damage is sorted.
It’s a lifesaver when summer storms hit hard.
🎄 A Quick Weather-Proofing Review = A Much Happier January
The festive season is for relaxing — not worrying about what your stock, roof, or powerboard is doing without supervision.
If you’re not sure whether you’re fully protected for Tassie’s unpredictable summer weather, we’re here to help.
You can find more useful information on a page titled Risk assessment and planning simply click the link. Here you can read about how businesses should identify, assess and plan for risks like storms, floods, or other hazards.
Remember, this article is general in nature and doesn’t take into account your specific objectives, financial situation, or needs. For advice tailored to your circumstances, have a chat with us at RSM Tasmania Insurance Brokers Hobart.
Talk to Roger Hosie and stay ahead with RSM Tasmania’s insights.
Call Now! (03) 6244 7854, or email .
