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Storm Season Insurance Solutions for Queensland Businesses

Protect your business from storms, floods, and weather-related losses before the next event hits.

Queensland businesses face some of the highest storm-related insurance losses in Australia. Severe storms, flash flooding, cyclones, hail, and prolonged rainfall routinely expose gaps in commercial insurance, often discovered only after a claim is lodged.

Knightsbridge Insurance Group helps Queensland businesses review, structure, and strengthen their insurance arrangements ahead of storm season, so coverage aligns with real-world weather risk, not assumptions.

Why Storm Season Exposes Insurance Gaps

Every storm season, Queensland businesses discover that their insurance does not respond the way they expected. Common issues include:

  • Flood damage is excluded while storm water is covered

  • Business interruption periods expiring before recovery is complete

  • Underinsured buildings and contents due to rising construction costs

  • Claims reduced under average clauses

  • Insufficient documentation leading to delayed or disputed claims

When severe weather strikes, these gaps can mean the difference between recovery and long-term financial damage.

Storm Risks Facing Queensland Businesses

Queensland storm exposure varies by location and industry, but commonly includes:

  • Severe thunderstorms and hail

  • Flash flooding and surface water runoff

  • Riverine flooding in flood-prone catchments

  • Cyclones and associated wind damage (North & Central QLD)

  • Extended power outages and access restrictions

Insurance policies must be structured with these risks in mind — particularly for businesses operating in industrial estates, coastal areas, and flood-affected regions.

What Our Storm Season Insurance Review Focuses On

Our storm season insurance solutions are designed to help Queensland businesses identify and address critical coverage issues before claims occur.

We review and assess:

Property & Asset Cover

  • Adequacy of building and contents sums insured

  • Flood, storm water, and rainwater definitions

  • Sub-limits for machinery, equipment, and stock

  • Demand surge and rebuilding cost exposure

Business Interruption

  • Indemnity periods aligned with realistic recovery timelines

  • Coverage for increased costs of working

  • Supplier and customer dependency risks

  • Power outage and access prevention considerations

Policy Conditions & Clauses

  • Average and underinsurance provisions

  • Reasonable precautions and maintenance obligations

  • Documentation and notification requirements

  • Automatic reinstatement after claims

Risk Profile & Mitigation

  • Location-based storm and flood exposure

  • Building condition and vulnerability factors

  • Operational dependencies during severe weather

  • Practical risk management improvements that support claims outcomes

Who This Is For

Our storm season insurance solutions are designed for:

  • Queensland SMEs and mid-market businesses

  • Manufacturing, warehousing, and logistics operators

  • Property owners and commercial landlords

  • Hospitality, retail, and service businesses

  • Businesses operating in flood- or storm-exposed locations

If your business would struggle to operate after a major storm event, your insurance structure matters.

Why Review Insurance Before Storm Season?

Once storm warnings are issued, insurers may restrict changes, impose embargoes, or increase premiums. Reviewing cover before storm season allows businesses to:

  • Identify gaps without time pressure

  • Adjust sums insured before losses occur

  • Understand claim obligations in advance

  • Improve documentation and preparedness

  • Reduce the risk of disputed or reduced claims

Storm preparedness isn’t just about sandbags and shutters — it’s about insurance certainty.

Your protection -
Our priority

Don't let the complexity of insurance get in the way of your peace of mind. Simply fill out the form and one of our expert insurance brokers will contact you to help you find the coverage you need.

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Why work with Knightsbridge Insurance Group?

Knightsbridge Insurance Group is an Insurance Broking Business with over 70 years of collective insurance experience and is founded on generational values that make you feel secure, protected and cared for. As we grow and expand the Knightsbridge Family, we continue to have a deep understanding of your desire to innovate and be extraordinary — both in business and in life.

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Kirsty Macleod

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Protect your business from storms, floods, and weather-related losses before the next event hits. Queensland businesses face some of the highest storm-related insurance losses in…

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What our clients say about us.

Ryan was super incredibly helpful. He listened and took the time to gather the correct information we needed for our business. He was clear and precise with communication and nailed what we were looking for. When we had questions about our cover, he was quick to assist and ensure we knew exactly what we were getting. For our commercial insurance option very pleased, highly recommend you call and speak to the team. Not only were they helpful, but some of the friendliest people, too – made all the difference!

Mal Leyland

The service from Kirsty and her team has been excellent. The entire process was seamless from start to finish, and it has been an absolute pleasure dealing with them. Maddison deserves special recognition for her professionalism, responsiveness, and follow-through. Her reliability and clear communication make a real difference

Brayden

I had the pleasure of working with Kirsty when recently setting up my new business. I cannot emphasise enough how professional, efficient and thorough Kirsty was in organising my insurances and taking away the stress of coordinating this. I had a very tight timeline to work to and not only did Kirsty meet this timeline she also presented me with a fantastic offer within my budget and specific to my needs. I highly recommend Kirsty and Knightsbridge Insurance Group

Simone G

I honestly cannot thank you enough. As mum said, you are one in a million and I’m so incredibly, incredibly grateful!

Tenealle

Their knowledge on potential liabilities & exposure within our day to day business operation is something we cant be in business without. We now refer our customers to them also so they can also be correctly covered when out on the water boating!

Aquarius Marine

A professional team with customer service a high priority. Competitive pricing and super-efficient claims handling and communication too.

Matthew

Highly recommended for prompt and efficient service all things insurance.

Stephanie

Down to earth and good honest people to deal with at Knightsbridge. Friendly service and people who have the knowledge to help their clients with insurance placement and claims. I have no hesitation in recommending their services.

Natalia

The whole team at Knightsbridge are an absolute pleasure to deal with. They take the everyday hassle out of insurance. With prompt service and competitive pricing I’m happy to refer them onto all our manufacturing suppliers or any one else looking for an insurance broker.

Chris H

The management and staff at Knightsbridge have always been very accommodating and professional in all my dealing with them . I always recommend them to others and will continue to do so

Matt and the strata team

The whole team at Knightsbridge are an absolute pleasure to deal with. They are always very accommodating and helpful whilst providing competitive pricing and excellent service

Tricia and Kylie

Their ability to stay ahead of industry knowledge and their expertise and thoroughness to deliver what they say they will, never ceases to amaze me. With Knightsbridge on your side and providing the protection that helps you sleep better at night — why would you go anywhere else?

Karen Osorio, Director, Brand.4.Profit

Johnnie, Kirsty and Tina have been wonderful to work with. Not only do they deliver competitive premiums, but they fight for their client and achieve very positive outcomes. I cannot fault their communication or commitment. I highly recommend the team.

Joel Brisblat, CEO

The team at Knightsbridge have provided my insurance need for over 14 years I Cannot recommend Knightsbridge Insurance Group too highly. They have always been local and professional. As a business owner we thank the team for providing such great service

Gilbert