Insurance Brokers in Whitsundays

As experienced insurance brokers in Whitsundays, we provide specialised coverage for our region’s key sectors:

Marine Tourism Insurance

With over 200 tourism operators in the Whitsundays, we protect:

• Reef tour operators and dive companies
• Sailing and yacht charter businesses
• Bareboating operations
• Island resort transfers
• Seaplane and helicopter tours
• Marine wildlife experiences

Our marine tourism expertise addresses the complex liability of reef operations, international visitor expectations, and environmental protection obligations.

Resort and Island Operations

The Whitsundays’ island resorts face unique challenges:

• Remote location emergency response
• Barge and supply vessel dependencies
• Desalination plant breakdowns
• Cyclone evacuation procedures
• International guest expectations
• Staff accommodation risks

We understand the logistical complexities of island operations and structure coverage accordingly.

Agricultural Insurance

Supporting the region’s farming sector:

• Sugar cane crop protection
• Farm machinery and irrigation systems
• Weather-related crop losses
• Chemical storage liability
• Seasonal worker accommodation
• Cane fire risks

Our agricultural specialists understand the cyclical nature of farming and tropical weather impacts.

Marina and Boating Services

The Whitsundays’ four major marinas require:

• Cyclone damage protection
• Vessel storage liability
• Fuel system environmental coverage
• Shipwright and repair services
• Hardstand operations
• International yacht coverage

Mining Services and Transport

Supporting resource sector operations:

• Heavy haulage to mine sites
• Equipment maintenance facilities
• FIFO accommodation providers
• Specialist contractor coverage
• Dangerous goods transport

Beyond standard commercial coverage, Whitsundays businesses often require:

Cyclone-Specific Coverage

• Pre-cyclone preparation costs
• Evacuation expense coverage
• Business interruption extensions
• Debris removal allowances
• Temporary relocation protection
• Supply chain disruption coverage

Environmental Protection

• Reef damage liability
• Marine pollution coverage
• Dugong and turtle protection protocols
• Waste water management
• Chemical runoff prevention
• Heritage site obligations

Remote Operations Insurance

• Medical evacuation coverage
• Communication failure protection
• Supply chain interruption
• Emergency accommodation
• Alternative transport arrangements

The Whitsundays face unique challenges, including tropical cyclone exposure, marine tourism liability, reef environmental obligations, and remote location logistics. Our insurance brokers understand these specific factors, ensuring coverage addresses risks like storm surge in Airlie Beach, island resort access issues, and marine park compliance requirements.

Cyclone risk significantly impacts premiums, but government initiatives like the Cyclone Reinsurance Pool help manage costs. Our Whitsundays insurance brokers access multiple markets to find competitive rates while ensuring adequate cyclone coverage, including proper sum insured values and appropriate excess structures.

Marine tourism operators require comprehensive Public Liability (minimum $20 million), vessel insurance meeting survey standards, and often Environmental Impairment Liability. Our insurance brokers ensure compliance with Great Barrier Reef Marine Park Authority requirements and industry best practices.

Given cyclone recovery timeframes and tourism reputation rebuilding, we typically recommend 18-24 months of coverage. This allows for physical repairs, marketing recovery, and seasonal booking patterns. Our brokers analyse your specific recovery needs based on business type and location.

Most insurers impose restrictions on new or increased coverage during cyclone season (November-April). Our insurance brokers recommend reviewing coverage by September to ensure protection before restrictions apply. Existing coverage typically continues with renewal options.

We understand unique island challenges, including barge dependencies, desalination plants, staff accommodation, and evacuation procedures. Our brokers source coverage that addresses logistical complexities, emergency response limitations, and higher replacement costs for remote locations.

Coverage typically includes pollution cleanup, reef damage mitigation, wildlife injury costs, and regulatory fines. Our Whitsundays insurance brokers ensure your policy addresses specific Great Barrier Reef Marine Park requirements and international visitor claim potential.

We structure flexible coverage accommodating peak season increases in revenue, stock, and liability exposure. Options include automatic seasonal adjustments and declaration-based coverage, ensuring protection matches your operational reality throughout the year.