Island Risks Insurance

At Insurance Broking Services, we understand the unique challenges faced by businesses and property owners operating on islands. Whether you run a resort, eco-lodge, tourism operation, or own a residential or commercial property on an island, the risks you face are fundamentally different from their mainland equivalents — and standard policies are frequently inadequate to address them. Cyclone and extreme weather exposure, salt-air corrosion of buildings and plant, total reliance on marine or air access for materials and labour, and the dramatically inflated cost of rebuilding in a remote island location combine to create a risk profile that most domestic insurers are not equipped to underwrite properly. Underinsurance is a critical issue for island properties — rebuild costs must account for barge transport, builder accommodation, extended construction timelines, and cyclone-resilient construction standards that can be multiples of equivalent mainland costs. Business interruption risk is equally acute: a single weather event can cut access, strand guests, disable infrastructure, and halt income for weeks or months at a time. We leverage our industry knowledge and access to specialist and global insurance markets to build tailored insurance solutions for your situation, ensuring your property, your operations, your guests, and your livelihood are properly protected.