With a wealth of experience gained from a career spent working with major insurers, John James transitioned into the world of insurance broking in July 2018. Armed with qualifications like CIP DipFS (Ins.Broking) and a Dip Bus (Management), John brings a blend of traditional service values and cutting-edge insurance products to his role as a broker and business owner. He prides himself on his dedication to clients and their unique needs. 

John's success stories include helping a client navigate a flood-related claim, where his commitment to transparent communication and his deep insurance knowledge resulted in a settlement far beyond the client's expectations. He enjoys connecting with classic car enthusiasts, and in his personal life, staying fit and even competing in weightlifting competitions. 

John's favorite part of his job is deciphering the multitude of insurance products on the market to find the perfect fit for each client, relying on his extensive broker network to ensure the right choices are made. 

His advice to insurance shoppers is to prioritise coverage over price and dispels the misconception that all policies are the same. John deeply appreciates the impact of insurance on businesses, as exemplified by a client who found the insurance process stress-free amid the challenges of starting a new venture. His commitment to being a trusted advisor who secures his clients' futures through insurance is the cornerstone of his career.

John James

With the end of Summer and the wet seasons rolling in, unexpected damages to your business can occur if not properly prepared in time. This article outlines the potential impacts of wet weather on your business and offers actionable tips to safeguard against them.

Wet weather can be unpredictable and it’s important to know the potential dangers it can cause, as well as the potential damage from Property to Contents. All these areas are major components to your business, and if not properly safeguarded, you could face major loss and interruptions to your business.

From light rainfall to severe storms, wet weather events can alter your work environment, increasing the risk of workplace injuries such as slips, trips, and falls. Additionally, environmental hazards like damaged or faulty equipment can pose threats of physical harm, including electrocution and injuries.

Wet road conditions can also lead to accidents or delays in relation to business travel and deliveries. It’s important to be aware of these dangers and the increased chances of them happening during the wetter seasons

Damage associated with wet seasons is also something to be wary of. It can occur in multiple ways such as Property and Contents. Property Damage can refer to building damage which can include things like:

Whereas Contents Damage covers the internal equipment and products relevant to your business, such as:

Machinery / Electrical Faults and damages, 

A key loss that could greatly impact your business from property or contents damage is the loss of business data. It is important to make sure you are safeguarding any vital information and data associated with your business, including information such as employee and supplier details, and, products information, and anything else that is vital to produce your business.

To mitigate the risks posed by wet weather, implement the 

. Here are some practical steps to safeguard your business:

Develop a comprehensive plan to prepare and protect your business from unforeseen impacts caused by wet weather events.

Implement backup storage plans, both online and physical, to safeguard essential data against potential loss or damage.

Take proactive measures to maintain your property's integrity, including clearing gutters, maintaining gardens, and weatherproofing windows and entryways.

Protect valuable assets such as machinery, equipment, and furniture from weather-related damage by ensuring they are weatherproofed or moved to secure locations.

Educate your team on health and safety protocols to prevent workplace accidents and ensure they are equipped to respond effectively to any incidents.

Regularly monitor weather forecasts and warnings to stay informed about potential risks and take timely action to protect your business.

Even if you do follow the Double P processes and the safeguarding tips, we have provided you, it doesn’t change the fact that sometimes things happen no matter how much you prepare!

This is why it is essential that although you have prepared and protected you and your business for the wetter seasons, you also cover you and your business as well. There are numerous insurance solutions available that can be found to fit your unique experiences and requirements.

To find your perfect policy, pair up with an iNeedCover Insurance Advisor.

This article provides information rather than financial product or other advice. The content of this article, including any information contained in it, has been prepared without taking into account your objectives, financial situation or needs. You should consider the appropriateness of the information, taking these matters into account, before you act on any information. In particular, you should review the product disclosure statement for any product that the information relates to it before acquiring the product.

Information is current as at the date the article is written as specified within it but is subject to change. Community Broker Network Pty Ltd t/as iNeedCover and Community Broker Network Authorised Brokers make no representation as to the accuracy or completeness of the information. Various third parties have contributed to the production of this content. All information is subject to copyright and may not be reproduced without the prior written consent of Community Broker Network Pty Ltd.

 With the wet weather seasons rolling in, here are some tips on how to properly safeguard your business for these changes.

How to prepare your business for the wet weather changes

The Bureau of Meteorology (BOM) has warned highly populated parts of southern QLD and northern NSW residents about potential “widespread severe impacts” of a category two cyclone tracking towards the coast. Locals have been advised to stock up on supplies in advance of the weather system, expected to make landfall on Thursday night or early Friday morning.

If you are in a region predicted to be impacted, the important thing is not to panic but to do everything you can to prepare. There are lots of practical steps you can take to mitigate against potential impacts of a cyclone, helping ensure you are in the best possible position to receive support in the aftermath.

If you are in a region predicted to be impacted, the important thing is not to panic but to do everything you can to prepare. There are lots of practical steps you can take to mitigate against potential impacts of a cyclone, helping ensure you are in the best possible position to receive support in the aftermath.


The safety of yourself and those around you is of paramount importance during extreme weather conditions. You can both prepare ahead of time and take steps to ensure you are keeping safe when storms hit. James Cook University has put together 

Prepare an emergency kit. This can include a portable battery radio, torch and spare batteries; water containers, dried or canned food and a can opener; matches, fuel lamp, portable stove, cooking gear, eating utensils; and a first aid kit and manual, masking tape for windows and waterproof bags.

Stock up on non-perishable foods, fill containers with drinking water

Have your phone and a backup battery bank charged, this allows you to monitor the latest emergency advice and call for help if needed/where possible.

Know where to go for information and warnings – some suggested resources are listed at the end of the blog.

Have all the information for your emergency contacts on hand.

Wear strong shoes and tough clothing for protection.

Turn off all electricity, gas and water supplies.

Stay inside and shelter (well clear of windows) in the strongest part of the building, i.e. cellar, internal hallway or bathroom. Keep evacuation and emergency kits with you.

Listen to your battery radio for updates, including evacuation orders.

If the building starts to break up, protect yourself with mattresses, rugs or blankets under a strong table or bench or hold onto a solid fixture, e.g. a water pipe. 

Check for gas leaks. Don't use electric appliances if wet.

If you are evacuating to a public shelter or higher location, follow the directions of Queensland Police Service and emergency services personnel. Homes in low-lying coastal areas may be advised to evacuate early.

Don't go outside until officially advised it is safe by authorities.

There are several things you can do to help limit the possibility of damage to your property. The Queensland government has a good checklist you can read 

Clear your property of loose material that could blow about and possibly cause injury or damage during extreme winds. This could include outdoor furniture; trampolines; gardening tools.

Check that the walls, roof and eaves of your home or business are secure.

Clean your gutters, downpipes and drains to ensure they are not blocked.

Trim treetops and branches well clear of your home/business. Be careful of any overhead powerlines.

Close shutters or board-up or heavily tape all windows. Draw curtains and lock doors.

Park vehicles under solid shelter (hand brake on and in gear).

3. For businesses, organise and back up your data

You might need to quickly access essential data in an emergency. In advance,

compile a list of employees, suppliers, products, and anything else you would need at short notice. Save all of this on a USB stick or something similar so it can be easily retrieved, particularly if your technology infrastructure is damaged.

Before a cyclone makes landfall, collate all your insurance policy details and make sure you have these on hand. This may include:

Essential contact details easily accessible for each of your insurers or your insurance broker’s contact details

Policyholder identification, alongside any passwords or security questions you might need. Your insurance broker will be available to expedite claims process, navigating it on your behalf and ensuring you are correctly compensated for any damage, as per the applicable policy wording.

In the event your contents or business equipment are damaged, an accurate inventory can help you determine exactly what has been lost and everything you will want to claim insurance on. 



To speed up this process, create a comprehensive photo collection or video documenting these items.

While mother nature can throw unpredictable weather our way, taking steps to prepare can help to limit the extent and severity of impact an event like this can have on your life. If the worst does happen, early preparation and organisation can make dealing with claims easier post event. Alongside putting steps in place to protect your own home and business, encourage, friends, family members and neighbours to do the same.

Resources you can access for warnings and advice:

Well directed preparation can play a key role in keeping you safe, mitigating damage to property, & streamlining insurance claims afterward.

Tips to prepare when a cyclone warning has been issued 

When a storm, cyclone, or other weather emergency hits, there’s always the possibility of significant property damage, which can result in people having to evacuate their homes and businesses being forced to suspend operations.

Whether it’s your home or your business, being clear on what to do in the aftermath can help ensure you’re in the best possible position to access support, recover and get up and running again as quickly and smoothly as possible.

Check out the following top tips to help navigate the initial recovery phase if your property has been damaged.



For a link to share these tips with your clients, please click here.

If you remained at your property throughout the weather event, and relevant authorities have advised it is safe to leave your place of shelter, an important step is to attempt to limit further damage to your property, if feasible and safe to do so.

 Depending on the situation in the first instance, you may need to contact emergency services to assist e.g. fire services or the SES.

 – If safe to do so, engage professional services to perform temporary make safe repairs to the site(s) of damage – this may be electrical, or as simple as a tarpaulin over a damaged roof to limit further internal water damage. 

For guidance based on your specific situation and insurance coverage, contact your insurance broker or insurance company for specific. If you find yourself in trouble outside of business hours and need emergency repairs, the SES, or relevant after-hours tradespeople should be your go-to.

If you had to vacate the property, only return once advised by authorities that it is safe to do so. If damage has occurred, ensure the property has been deemed safe to enter. Likewise, if the property has been flooded or is wet, don’t turn on anything electrical until an electrician has cleared it. 

If you are conducting the clean-up yourself (and only do so if you are certain they don’t require professional attention), wear protective equipment.

Once it’s safe to investigate the full extent of damage to your property, undertake a thorough inspection and take photos before cleaning anything up – these will likely be needed for the insurance claims process. List the damage done to your property, ensuring you itemise the contents and building separately. 

Flooring (excluding carpet/floating floors)

Your insurance broker is your advocate and on hand to offer advice and manage any claims on your behalf, so you can focus on everything else needed to get back on your feet.

On some occasions when damage is severe, a professional claims assessor may attend the property to evaluate and arrange for permanent repairs as soon as possible. Again, this will all be managed by your broker.

Separately, find out if the incident been declared a CAT (catastrophe declaration) by the Insurance Council of Australia (ICA). A CAT declaration escalates and prioritises the insurance industry's response to support policyholders affected by specific natural disasters. It means claims from affected policyholders are given priority by insurers.

5. Find out what additional support is out there

Both national and state governments are committed to ensuring communities are better equipped to recover following widespread severe weather events, and there may be funding accessible for your home and/or business to support this process. In Queensland for example, funding is made available through 

The potential effects of these types of events on families, communities and businesses can’t be underestimated. Doing everything possible to be prepared for all eventualities, and understanding the best course of action following damage due to severe weather can give you the best chance to mitigate against longer-term impact.

Also critical in the aftermath is making the most of all the resources and support available to you – your insurance broker is ready and experienced in dealing with these types of claims and will be on standby to give you the best support and advice possible. 

Discover essential tips for navigating the aftermath of property damage caused by storms, cyclones, or other weather emergencies.

Meet John James