Category: HortInsights

Why Your Business Needs an Extreme Weather Action Plan

Why Your Business Needs an Extreme Weather Action Plan

Provided by Daniel Holmes, Fitzpatrick & Co Insurance Brokers

Extreme weather conditions are increasing around the world, and Australia is no exception. Experts predict this summer will, again, be one of the hottest on record, with severe bushfires, storms and floods all set to increase.

In the absence of the vast resources of larger organisations, there is an urgent need for small businesses to have specific plans in place.

Preparing your property and fully understanding the risks in the event of extreme weather events, in both regional and urban areas,  such as storms, fire and cyclones is vital. However you also need an overall strategy to protect your business and its assets to ensure its survival.

Building a Support Network

After Cyclone Larry hit Queensland in 2006, a National Climate Change Adaptation Research Facility report found businesses and individuals with strong community ties recovered better, as they relied less on overburdened government systems and their workers were less inclined to leave the area.

“Individuals, households and groups who have strong social networks are able to draw on shared material and social resources to sustain them during and through the aftermath of a cyclone,” the report said.

In both urban and rural settings, banding together during a crisis can be mutually beneficial. Having a plan for how small businesses can help each other can be the key to survival.

After the northern NSW town of Murwillumbah was ravaged by flood in 2017, locals led the recovery effort and a database of hundreds of volunteers was created to help those in need.

“Constantly we’re expecting governments and services to fix things for us,” organiser Carmen Stewart told the ABC.

“I’m interested in what happens when a community is engaged first, then bringing government and services in as a partner, not as the leaders.

Be Prepared

Complacency and a failure to adapt to the increased likelihood of extreme weather is a real danger for small businesses. Research conducted by James Cook University revealed 90 per cent of cyclone-related insurance claims could be avoided through proper preparation.

Ensure you have formulated an emergency action plan for your business in the event of extreme weather, such as flooding. Educate your employees so they understand the risks and know how to react.

There are other vital proactive measures you can take. Regular maintenance on your property ensures it is as well placed as possible to handle and recover from extreme weather events. Contracting an expert to assess the structural integrity of your dwelling ensures any weak or degrading materials particularly vulnerable to damage can be repaired.

Clearing your property of refuse, such as fallen branches and bushes can help to ensure any damage severe storms can cause is limited. This includes securing outdoor items and garaging vehicles and machinery.



Don’t Risk Being Underinsured

An ASIC report into extreme weather found that “possibly as many as 80 per cent” of properties in Australia were underinsured by 10 per cent or more.

Sydney’s 1999 hailstorm dropped around 500,000 tonnes of hailstones over the city and caused $2.3 billion worth of damage, more than 25 per cent of which was uninsured.

During Brisbane’s 2011 flooding, photos of David Moore’s destroyed waterside restaurant Drift became emblematic of the widespread devastation. Moore’s repair cost was $4 million. Without insurance and eligible only for minimal compensation, he went into liquidation.

Uninsured or underinsured small businesses are unlikely to survive the catastrophic losses that extreme weather can bring, because the majority don’t have the large financial assets needed to recover, according to Steadfast’s Broker Technical Manager Michael White.

“There are a number of different aspects to underinsurance,” White says.

  1. “Businesses do not have insurance at all (e.g. they own a building but do not insure it).
  2. “They insure the physical assets but they don’t take business interruption insurance. This is very common – the client can see that their physical assets may be damaged but they don’t understand there could be financial consequences of that.
  3. “They take out a policy and the sum insured is inadequate, e.g. they insure for $500,000 but the actual replacement cost  is $1 million – if there is a total loss, the client gets $500,000; if there is a partial loss the amount payable is written down to reflect the underinsurance.”



A Harvard Business Review study analysing the impact of 2012’s Hurricane Sandy found small businesses were affected badly by extreme weather for a number of reasons.

“Firms may be especially unlikely to prepare for infrequent events such as major hurricanes since they are exposed to so many risks that occur with a higher likelihood,” wrote Benjamin Collier, Assistant Professor Risk, Insurance & Healthcare Management.

But Collier is adamant small businesses need to understand extreme weather and natural disasters will likely become increasingly common.

“A risk that seemed too rare to actively manage a decade ago may look very different now,” he wrote.

Businesses should consult their brokers to help ensure they are not uninsured or under-insured. For expert advice on the best insurance solutions for your business, talk to one of our brokers.


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Horticulture Through the COVID-19 Pandemic

Horticulture Through the COVID-19 Pandemic

By David Thompson, Engagement Manager Australian Institute of Horticulture

Australians have turned to outdoor greenspaces over the last few months as the world is gripped by a pandemic of historic proportions. The indoor has become a place of containment and restriction, while our parks, gardens and green landscapes have offered the kind of COVID-19-safe space that we can turn to in relative safety.

The media reports that visitations to parks has dramatically increased, with the NSW Planning Department figures showing a 46% increase in people’s use of outdoor spaces since the arrival of the pandemic. In addition, the horticulture industry has fared reasonably well as outdoor installations have been able to continue with effective physical distancing practices.

Professional horticulturists know that success in tough times comes down to providing value, continuously learning and drawing on a network of similar professionals to find the right support. Helping horticulturists achieve these goals is the mission of the Australian Institute of Horticulture.



Helping Horticulturists Thrive

The restrictions have, however, forced all of us in horticulture to reconsider how we get business done. In an industry that values the outdoors and its opportunities for working together and meeting in-person, horticulture has had to adapt to the new normal of wider distances and separation.

At the Australian Institute of Horticulture, we have always relied on web conferencing and virtual meeting technologies as our council and member network is spread throughout Australia. In so many ways, we have found the changes very beneficial as the use of Zoom teleconferencing and webinars has actually helped us increase the accessibility of our events and webinars compared to the traditional get-together events we have held.

The Institute has been able to strengthen its focus on value for its professional horticulturist members, with strong attendance at our business development and technical webinars over the last few months. The Institute brings information, updates and knowledge to its members to keep them ahead of the game as the industry evolves and develops.

Building a Professional Identity and Mindset

As Australians do find solace and turn to their gardens and landscapes, the demand for good-quality, professional horticultural advice and services will remain strong. Professionals that thrive tend to have several things in common: a commitment to positioning themselves as the best and most-trusted in the industry, living up to those values and associating themselves with other trusted professionals.

The horticulture industry is not large, and word of mouth remains a vitally-important method of finding opportunities and success. That’s where the Institute’s professional memberships are valued by horticulturists as a demonstrable marker of quality and commitment to the industry.

The Australian Institute of Horticulture invites professionals and enthusiasts to commit to growing the professional approach that keeps Australians turning towards healthy, vibrant and well-planned green spaces.

Find out more about becoming a trusted professional horticulturist.


A. Hoen & Co., 1917, U.S. Department of Agriculture

During World War I and World War II, gardening took on a distinctly martial air. Citizens were encouraged to grow their own backyard produce (dubbed “war gardens” in WWI and “victory gardens” in WWII). “It gave everyone a sense of contributing to the war effort, sometimes in the most minuscule ways,” says Dr. Paul Ruffin, Distinguished Professor of English at Texas State University, who has written about victory gardens.


Member Spotlight: Dimension Gardenscape’s Trevor Fuller MAIH RH

Member Spotlight: Dimension Gardenscape’s Trevor Fuller MAIH RH

Trevor Fuller, Owner and Director Dimension Gardenscape

Trevor Fuller MAIH RH

Hi Trevor! Tell us about how you came to be in horticulture in Canberra and what brought to this point in your career?

I’ve been the owner of Dimension Gardenscape for nearly fifteen years and we are based near Queanbeyan, on the NSW/ACT border.

My horticultural career started out as many do – as an apprentice greenkeeper at a bowling club, crafting lawns so short you wonder how they would survive. Then I was allowed to raise the mower blades slightly when I worked at Parliament House, famous for its expansive lawns. That was about the time I became interested in irrigation techniques and landscape maintenance with interests in plants and horticulture.

I think this experience opened my eyes to life beyond turf – the diversity and vast potential of horticulture as a whole discipline. I decided to open my own business and haven’t looked back – the creative opportunities as a business owner are really wonderful. While I enjoyed working in a horticultural team at the Parliament House, there’s something about delivering your own vision – it’s a real feeling of creation and it’s more than just the income.

Your business Dimension Gardenscape offers a diverse range of services – what are your sources of inspiration and ideas?

We’re inspired by the opportunities we see in our clients’ landscapes, and it’s essential to take a flexible, creative and adaptable approach to being able to see the potential in a site. I like to believe that people are looking to us to offer a solution that brings out the soul of their landscape, and that means we think broadly and inclusively about what is possible.

If you think about the big life purchases people make – it’s the house, then car then landscapes and gardens. If you have a client building their forever garden, that’s probably a once-in-a-lifetime investment for them. So we look at the site and its lines and bring our knowledge across construction, landscape, plants and horticulture together with our own inspirational touches to ‘paint the canvas’.

I believe that there is a lot to argue for having a masterplan, that we are part of, that sets out the strategy and the vision for that landscape and that helps us to understand where we can fit into that plan. We’re always learning and testing new ideas as a team, and again that ability to be creative is something we really value in our business, much more than I could as an employee.


Photo: Dimension Gardenscape

Photo: Dimension Gardenscape

What suggestions and advice can you offer young horticultural professionals making their mark in Australian horticulture?

There’s always room for learning. No matter how far you go down a career in horticulture, people are seeing new ideas from around the world and the big drivers of water efficiency and rising heat are becoming issues that people want to address in their landscapes.

For young people going into a career, horticulture remains a great choice. It is an industry where you can feel the difference you are making, and not every industry offers that. For young and upcoming horticultural professionals, some things remain the same.

Your plant knowledge is crucial – you have to get to know your plants, they are the characters in your book, or the paints on your palette. Plant knowledge is really important in creating effective landscapes because you need to know what will work in terms of the site and the climate but also the character of a plant when it matures – its ability to create form and amenity on space now and in a decade or two.

I think it’s important if young professionals are open to the experience of their colleagues too – that combines energy and creativity with the wisdom of experience; that works well as a combination. Being able to understand how construction works, how a business works and how we really create something valuable for our clients – these are important early learnings too.


Photo: Dimension Gardenscape

Photo: Dimension Gardenscape


What trends and ideas do you think will be important in the next 2-5 years for horticulture in your region?

The big influences are what you would expect – landscapes that collect, retain and use water sensibly are really becoming important. Canberra can be fiercely hot and dry as well as cold so landscapes that can thrive in those conditions are what clients are aiming to achieve. There’s also a growing trend of portable gardens, with people moving between properties, they want solutions that enable them to take their treasured plants with them. This means large pots with style and form are important.

We are also seeing a lot of interest in vertical landscapes – greenwalls, uprights and climbers, and trellised landscapes that make the most of vertical space. By combining use of decorative and portable plantings with water-tolerant natives and exotics, we can get a really good result in Canberra landscapes.

Trevor Fuller MAIH RH is the owner and director of Dimension Gardenscape and a Registered Horticulturist member of the Australian Institute of Horticulture. Photos: Dimension Gardenscape. Visit to find out more about landscaping services in Canberra.

Far North Queensland Gardens – A Horticultural Respite – All in Our Own Backyard

Far North Queensland Gardens – A Horticultural Respite – All in Our Own Backyard

By Annette Irish FAIH RH0008 (Photos: Annette Irish)

Once a year a horticultural respite trip is part of most avid gardener’s time table. 2020 Headlines: COVID19- Overseas, Australian garden events, most Interstate travel and Open gardens – cancelled or constrained. “Woe is me who loves to mix my travels with horticulture and garden tourism”.


Dilemma – Where to visit? When to travel?
Where’s the best weather in Australia in July?
Where can you travel with a few hours flying?

Answer ….. All in our own backyard! Far North Qld!


Itinerary – Michael Ferrero, international plant hunter, friend and local born Port Douglas horticulturist organised 9 private gardens, 5 nurseries, Flecker Botanic Gardens, Munro Martin Park, special Italian delis, Rusty’s food market and seaside park walks.

Accommodation – Horticulturally themed Lilypad Inn , owner Matt Mitchley, MAIH RH.

What Can You See That Compares With Any International or Australian Gardens?

South to the Cassowary Coast and Gordonvale Districts

Pat Pensini’s magnificent gardens at Sundown. Vandaceous Orchid garden reminiscent of SE Asia, swathes of aroids, orchids, Begonias, Philodendrons, palms, Crotons, rare flowering shrubs, flowering Tecomanthe plus Amherstia in flower with their pendulous fire engine red blooms. The list of species is extensive.


Left: Croton Right: Amherstia

Left: Croton Right: Amherstia

On to a Mirriwinni garden poised over tumbling waters of granite boulder Pugh Creek, Chris sells Heliconia flowers from her huge collector’s gardens… pity it was between seasons.

Overnight in Babinda Quarters, formally the historic nurse’s home and local landmark, The Quarters is a restored Art Deco guesthouse.

No garden tour is complete without a visit to a quirky garden that excites the senses. At Babinda, Colleen presents an intriguing Bawdy, Bold and Beautiful ‘Belgique’ tribute garden adorned with cheeky ornamentation.

Bev and Lyle Squires’ Little Mulgrave River garden is a collection of 80 Mangosteen, 50 Rambutans, rare palms and fabulous tropical plants.  Bev’s Mulgrave Gardens  is plant eye candy! Swathes of Cordylines, palms, Crotons, ferns, aroids, vertical wall, pavilion with ponds … makes a lovely venue for ‘weddings, parties … anything’.

At Deeral don’t miss a visit to Tropicolor Nursery owned by Robyn and Snow Ganley. Robyn’s reputation goes before her as one of Australia’s leading breeders of Crotons and Cordylines and a visit does not disappoint.

West to Atherton Tablelands. Picture opportunity in a Mareeba front garden, a huge Combretum falcatum, Central African native, then onto Mareeba Garden Centre to see what the locals grow.

Food time – Dino’s Deli Mareeba to shop for Italian antipasto, then picnic lunch in the historic town Yungaburra

Be stunned by street planting of the most beautiful Tibouchina mutabilis ‘Illusion’. The large flowers fade through five colours – white with deep lilac edge, purple to lilac to pinks at one time. Onward to Lakeside Garden Centre and Old Kulara Nursery for purchases of Combretum and a dwarf Ylang Ylang tree.

At Malanda a large perennial garden displays rarer Alstroemeria plus roses, Gerberas, Salvias, Carnations, Sweet William, Corn Flowers, Amaranthus, Chrysanthemum and Heliconias for the local flower market.

Time to head north past Mossman Gorge into Wyanbeel. Surrounded by the southern Daintree National Park are 2 acreage gardens of Wynne and Bruce Robinson and Liz and Mark Schoenwruck with collections of fruiting and flowering plants. Sat by Whyanbeel Creek the vistas from the gardens include towering plateaus, peaks and rugged slopes of the Main Coast Range. Wynne and Liz have aroid collections and tropicals for sale.

Back in Cairns visit to the Conservatory, Flecker Botanic Gardens is a must. A photographer’s kaleidoscope of cycads, dwarf palms, orchids, ferns, Begonias, aroids etc. Top off your visit with a Caramel malted milkshake in the Café Botanica.


Begonias at Flecker Gardens

Begonias at Flecker Gardens

Into Equatorial Exotics? …. Visit the Redlynch nursery owned by Arden and Chris, world renowned plant hunters. The extensive bush houses tempt you so take notes or you will forget what species you loved the most. An Erythrina collection challenges you to re-evaluate these stunning trees.

The Redlynch garden of Gary and Jen Tenni boasts beautiful scented, flowering trees. The gardens, designed by Anton Van der Schans, have many rare species on the terraced property and a number of ponds and arbours.

Melsonrock Nursery, run by Sekti, provide a plant candy shop experience to satiate your lust after visiting all the beautiful gardens.

Finally, if parks are of interest Munro Martin Park is part of the new cultural hub of Cairns. Its towering sweeping arbours of climbers, local heroes’ walk, amphitheatre and open stage area provides a cool community zone in central Cairns.

All in our own backyard.

Eight days in FNQ enjoying just a spattering of what the tropics has to offer reinforced it as a world leading landscape of astonishing beauty and biodiversity. Basking in glorious sunshine and light tropical breezes, FNQ guarantees horticultural experiences as good as any other regions’ gardens and

All in our own Australian backyard.


Annette Irish FAIH RH is a Fellow of the Australian Institute of Horticulture and former President.


This article featured in our members-only magazine, HortInsightsJoin us today as a member and you will receive our magazine by email every two months.

The Mole Truth and Nothing But the Truth

The Mole Truth and Nothing But the Truth

By Andrew Price FAIH RH0004

A common theme of advice has been given to me over the years by the gardeners, Horticulturists and Botanists whose work I admire is the very old adage “Fertilise your plants little but often”.

When I was younger and filled with misdirected youthful vigour, a client of mine was unhappy with the health of her roses and knowing I had exhausted all avenues that I could think of at the time she directed me to call a well-known rose nursery for expert advice. Having had my Horticulture qualifications for longer than a decade at the time I had to admit I was missing the mark and had to get better.

So I swallowed my pride, steeled myself to be open to direction and not be defensive or argumentative and nervously made the call. I must have called at a bad time, as I described what I was doing to help get the plant back to health so not to sound like a complete horticultural failure of a gardener. I was told what I needed to do was ‘Feed the Plants’. The conversation ended shortly thereafter. I hung up the phone thinking, do roses like rare or medium cooked NY Steak?

This interaction intensified my resolve to ‘Get Good’ at the application of nutrients countered by the medical Hippocratic Oath of ‘DO NO HARM’. I didn’t study then practice horticulture to make the plants in my care unhealthy nor did i want to contribute to the environmental problems associated by the misapplication of fertiliser.

Anyone who knows me well will attest to the fact that this subject is a personal near psychopathic obsession, so much so that my family and friends nicknamed my first nursery ‘The Meth Lab’. An apprentice of mine at the time was assisting me in making a batch of fertiliser when his girlfriend called, he said he couldn’t talk because he was Breaking Bad.

It has taken me awhile to acknowledge the biggest truth in horticulture that light is the ultimate fertiliser, plants convert photons/light (PAR – Photosynthetically Active Radiation) into carbohydrates then generously secrete about 50% of it to their root tips to feed the billions of specific microorganisms that support that specific plant. Nutrients only assist in this chain of events and plants are exceptional at compensating or adapting to available resources.

That being said there is a big difference between cultivation and nature, the smart money is in the grey area between the two. If you wish to cultivate a plant out of its habitat you must supply the nutrients that the species needs otherwise the result will not be one that makes your account manager or more importantly your clients happy.

This brings me to the point of this article which is how much and often should I dose nutrients and what nutrients? The Australian band You Am I penned a pertinent song called How Much is Enough, not a song about fertiliser but a great song nonetheless.


Image Source: Planet Permaculture


Molar Mass is not referring to a calorically-challenged spook but in this case to the concentration of elements in a compound. Synthetic or organic compounds are what we use on a daily basis.

To get the ball rolling I’ve selected an interesting compound that gets used often – Epsom Salts or Magnesium Sulphate to the chemically-educated amongst us. Referring to our trusty periodic table of elements Magnesium has the molar mass of 24.31 while Sulphur is 32.07 with Oxygen at 16 x4. When these three elements are combined to make a compound the atoms balance together to give us the equation of MgSO4 with a combined molar mass of 120.38 grams per mole.

It must be noted that usual Epsom Salts that gets used in the household is a hydrated compound – heptahydrate MgSO4·7H2O, but of course you know that!

Ok to get the Mg wheel hitting the road and getting those Chloroplasts to green up, how concentrated is 1 Mole of Epsom salts in 1 litre of water in Parts Per Million (PPM) or as I like to say how many cents or dollars in a million Dollars?

Now hold onto your hat based on the above weight of 1 Mole of 120.38 grams if you added this to 1 litre of water you would have a reading of 120,380 PPM. This is obviously way too high for plants or anything else unless you are on Mars.

1 gram of any salt compound in 1 litre of water will give you a reading of 1,000 PPM. It’s worth noting that Mg in seawater is around 1200 PPM, this should give us pause to think about getting heavy handed when applying any fertiliser.

1 gram of pure salt dissolved in 10 litres of water is a good starting point when looking at fertilising on a regular basis. This will give you a reading of 100 PPM, still pretty high but effective if you’re using the required salt compound.

The philosophies held close to my heart are ‘Don’t Chase the Numbers’ and ‘Does Nature agree?’

A game of observation I play when looking at anything in my care is the What’s different today game, this forces me to notice things that might get overlooked.

These are some curveballs to consider in fertilising:

  • Power of pH – check and balance your solution to somewhere between 6.5 – 7, consider wood vinegar on alkaline readings, PyroAg is my go to. Deficiencies can be caused by a pH shift that makes that element unavailable or inaccessible to the plant.
  • Liebig’s Law of the minimum – Growth is determined by the least available nutrient not the most abundant. Plants need at least 17 elements but could be as high as 28.
  • Mulder’s chart – nutrients affect nutrients in either a synergistic or antagonistic way, e.g. too much Mg will affect K and vice versa.


Mulders Chart Image Source: Nutri Ag


Brewed Fertiliser is a great way to magnify a fertiliser so you get a much better result for less input because you are cultivating the beneficial microbes that the plants need.

Time to get back to work cultivating that beloved grey zone between nature and cultivation -Happy Spring!


Andrew Price FAIH RH is a Registered Horticulturist and Fellow of the Australian Institute of Horticulture and Principal of Jungle Horticulture based in Sydney.


This article featured in our members-only magazine, HortInsightsJoin us today as a member and you will receive our magazine by email every two months.

Australia’s Real Seasonal Calendar

Australia’s Real Seasonal Calendar

By David Thompson, Engagement Manager Australian Institute of Horticulture

In 2014, AIH Horticulturist Member Dr Tim Entwisle MAIH released his book ‘Sprinter and Sprummer’ and recommended that Australia’s imported four-season calendar does not really reflect the nature of Australia’s seasons. In fact, like our indigenous descendants, a more accurate calendar of the seasons in Australia would contain six seasons.

In his book, Tim mentions that there is only one record of Aboriginal seasonality that uses four seasons – almost all Aboriginal seasons have six and sometimes seven to reflect the changing habits of plants, animals and climate that they witnessed over thousands of years.

For southern Australia, Tim suggests that annual calendar should look like:

Sprinter (August and September), the early Australian spring, starts my seasonal year. It’s when the bushland and our gardens burst into flower. It’s also when that quintessential Australian plant, the wattle, is in peak flowering across Australia.

Sprummer (October and November) is the changeable season, bringing a second wave of flowering.

Summer (December to March) should be four months long, extending beyond February, when there are still plenty of fine warm days.

Autumn (April and May) barely registers in Sydney, but further south we get good autumn colour on exotic trees, as well as peak fungal fruiting.

Winter (June and July) is a short burst of cold weather and a time when the plant world is preparing for the sprinter ahead.

Most of us know how long Aussie summers feel – and that’s where Tim suggests the summer should actually run from December to March because it often remains hot and dry to late March or later, and thus a shorter autumn.

One of the lasting memories of our AIH Perth Conference was the place of the six-season Noongar calendar that the first people of what is now Perth lived by. There was majesty and story in the connections between the local fauna and flora of the region that enabled local people to thrive for thousands of years marked by the annual cycles of growth, rest and renewal of plants and animals.


Six Seasons of the Aboriginal (Noongar) Calendar. Image Source: Australia’s South West.

What is Tim’s reaction to this idea six years later?

“Overall the responses have been overwhelmingly positive,’ he says. ‘Not that people are necessarily rushing out to demand the seasons change, but they are enjoying thinking about things in a new way and thinking about the country we live in more carefully.”


Dr Tim Entwisle MAIH runs Melbourne’s Royal Botanic Gardens Melbourne and has also worked at the world-famous Botanic Gardens in Kew, England, and as Director of Sydney’s Royal Botanic Gardens (an AIH Corporate Sponsor Member).


This article featured in our members-only magazine, HortInsightsJoin us today as a member and you will receive our magazine by email every two months.

What Insurance Cover Does A Growing Business Need?

What Insurance Cover Does A Growing Business Need?

Provided by Daniel Holmes, Fitzpatrick & Co Insurance Brokers

One of the drawbacks to owning a growing business is having more at stake. An expanding business is likely to be having dealings with an ever-increasing number of individuals, getting involved in a wider range of commercial activities, even expanding into new locations.

A growing business usually requires a growing workforce. With more equipment and larger premises come more expensive rent payments. In such circumstances, any revenue-disrupting interruption to its activities can soon escalate into a cash flow crisis.

In short, the cover that was sufficient when you were a sole trader or running a scrappy start-up isn’t likely to be adequate once you’re heading up a thriving enterprise. The end of the financial year is a great time to think about how your business has changed over the last 12 months and review your insurance policies. If you’re pressed for time or simply want the reassurance of an expert opinion, one of our friendly brokers at Fitzpatrick & Co Insurance Brokers can assist you.

The cover that was sufficient when you were a sole trader or running a scrappy start-up isn’t likely to be adequate once you’re heading up a thriving enterprise.



Employers’ Liability Insurance

When it comes time to make your first employee hire, you’ll be legally required to take out workers’ compensation insurance. You should consider taking out a form of back-up workers’ compensation insurance called employers’ liability insurance. This is because it’s possible for an employee to suffer an illness or injury that is job-related yet not covered under a standard workers’ compensation policy (employers’ liability insurance can cover for these type illnesses, injuries and fatalities.)

Even if it’s not a legal requirement, to be an employer of choice, you could have employers’ liability insurance as an additional benefit if you want your employees to have better cover in the event of an employee suffering a misfortune.

Directors’ And Officers’ Insurance

A growing business will inevitably become more hierarchical and possibly move from a sole trader or partnership business structure to a company one. In any largish enterprise, there are individuals – executive directors, non-executive directors, executive officers, senior managers and the company secretary – who shoulder important responsibilities.

Understandably, these people don’t want to be placed in a position where they could suffer personal financial loss as a result of doing their job. By providing directors’ and officers’ insurance, a business owner can provide cover to key staff and board members. That means they can be reimbursed for their legal costs if competitors, creditors, employees, liquidators, regulators or shareholders take legal action against them.

Business Interruption Insurance

The more your business grows, the larger its fixed costs are likely to be and the more expensive an interruption to its smooth functioning will become. A suburban café may only be out of pocket a few hundred dollars if a blackout means it has to shut down for the afternoon. In contrast, it’s estimated Starbucks’ recent decision to close its US stores for an afternoon (to provide racial-bias training to staff) cost around US$12 million (A$16 million).

If an unfortunate event means you need to shut up shop, your revenue will typically be severely impacted during the shutdown period. Nonetheless, you’ll probably continue to face the usual wage, rent and other business costs. Business interruption insurance can provide a pay-out to cover you for those costs, as well as make up for lost sales.



Cyber Insurance

In the digital age, an IT issue can be as devastating as any fire, flood or storm. The two threats businesses, especially smaller ones with limited IT budgets, most need to worry about are ransomware attacks and data theft.

A ransomware attack results in a business’s files being encrypted. Important data is rendered inaccessible, which can make it difficult or impossible for a business to keep operating – until a ransom is paid to return things to normal. It’s estimated that, globally, ransomware inflicted US$5 ($A6.5 billion) of damage in 2017.

Governments in Australia and elsewhere are tightening privacy regulations and stiffening financial penalties for data breaches. If a malicious actor overcomes your cyber security and captures your customers’ personal data, the consequences can be more serious than brand damage. You could find yourself being investigated by the government regulator and being sued by your customers. Cyber insurance can help cover financial losses arising from a cyber security breach.


AIH Gold Sponsor



Nursery Industry Natural Disaster Risk Mitigation And Recovery Plan

The Australian greenlife industry recognises the emerging risks that could impact on any business operator and commissioned research to assess the potential for natural disasters and severe weather events to impact upon Australia’s nursery industry.

The levy-funded project, Nursery industry natural disaster risk mitigation and recovery plan (NY18008) is managed by Nursery & Garden Industry Queensland (NGIQ) and funded by Hort Innovation using nursery industry levies and funds from the Australian Government. The project has developed a national Nursery Industry Risk Map, using data sets for cyclone tracks, wind gusts and will soon include live data maps from the Bureau of Meteorology (BoM).

The Risk Map has recently utilised the Address-Based Natural Hazards Risk Ratings, developed by Risk Frontiers, specialists in assessment and management of risk across the Asia-Pacific region.

The purpose of the Natural Hazard Risk Rating Database is to provide an overview of the natural hazards affecting an individual address or geographical area.


Five Recent Developments In Horticulture

Five Recent Developments In Horticulture

The horticulture industry in Australia continues to evolve and these are five recent developments that the industry is championing. Our goal at the Institute is to bring you some of the latest developments you may not yet have heard about and keep you informed about our dynamic and ever-changing industry.


1. The Good Mood Food

Hort Innovation has released an all-encompassing consumer campaign that aims to lift the appeal and consumption of horticultural products (fruit, vegetables and nuts) at a time when consumers are spending more time at home and potentially using more fresh produce. Read more..


2. Horticulture Sustainability Report

Following recent industry surveys, Hort Innovation has also released the Sustainability For Australian Grown Horticulture draft report, on which comments are open until the end of July 2020. What is revealing is that horticultural producers and consumers tend to value the same, important outcomes – clean food, healthy environments and quality. Read more..


3. Wine Industry Climate Change

The wine industry is deeply concerned about the rising impacts from climatic change – and we’ve seen the immense impacts on wines and grapes from fires, smoke taint and declining consumption over the last twelve months. The industry has released a mapping report titled ‘Australia’s Wine Future: A Climate Atlas’ showing the potential impacts on wine-grape regions including Australia. Read more..


4. Nursery Marketing Priorities Under COVID-19

The Nursery Industry continues to focus on consumers’ needs through COVID-19 and has renewed its focus on health and wellbeing benefits from plants, demand for which has held steady throughout the recent months. The industry has a four-part plan that maintains capacity in the industry through direct advocacy and industry support. Read more..


(image credit: ABC News/Nicola Delnevo)

5. Ants Pollinate Native Flowers

An interesting story in the news covered the discovery that ants are active pollinators of the native Conospermum, a discovery made by a PhD student in Perth. Research like this can open up new ways to use natural resources and the industry is backing efforts to support the use of non-honeybee pollinators including native bees, butterflies, and even ants. Read more..


Atlassian Unveils A Vision For Their New Sydney Office

Atlassian Unveils A Vision For Their New Sydney Office

Sydney software giant Atlassian has unveiled plans for a stunning new office building in Sydney, to be located adjacent to Central Station. It is an amazing look, constructed of ‘hybrid timber’ that aims to be the tallest of its kind in the world.

Atlassian is an Australian success story – founded by two graduates of UNSW who saw the emerging gap for collaboration and teams software, they have enabled remote-working teams to share information and projects across the world.

This means that they have resources to dedicate towards top-class buildings – and this will be one of those stand-out buildings that aims to blend hard architecture with horticultural brilliance through vertical plantings and rooftop gardens on a tiered structure at the top levels.



There is increasing interest in using timber as a multi-level structural building material, with its flexibility and durability as engineered timber that imparts strength and shape.

The horticulture industry can now make use of more modern and innovative soil and growing media that provide the right soil volumes and weight characteristics for use on taller buildings, and we will increasingly see the use of rooftop plants at scale, as well as vertical and tiered plantings that add a cascade or layered effect.

It should make for a compelling office space in 2025.

Say It With Flowers – But Probably Not This One..

Say It With Flowers – But Probably Not This One..

A few months ago we had a little bit of cheeky fun on the socials for Mother’s Day, which is usually the time of year you would celebrate your love and gratitude for mum with a bunch of freshly-picked fragrant blooms.

This is a fascinating plant that never fails to draw a crowd when its spectacular blooms emerge from the distinctive leafless spathe. The most memorable thing about Titan arum (Amorphophallus titanum) is its incredible odour, a feature that evolved to attract pollinating flies in the jungles of its home country, Sumatra and Indonesia.

This clever evolutionary partnership relies on the production of odorous chemical compounds at peak bloom, at which point the temperature of the inflorescence increases to around 37C and helps these chemicals becomes volatiles that draw in insect pollinators.

The energy required for such an incredible bloom means these plants only flower about every decade and between flowerings, the plants produce a single leaf of great size.



If you do like this flowering family, we recommend their more-modest relatives which include the well-known Peace Lily (Spathiphyllum cochlearispathum)


or the Cuckoo-Pint (Arum maculatum), which are much more suitable for mum when you say it with flowers.