Within 10km of the coastWithin 10km of the coastRefers also to rivers, estuaries, bays and harbours which are close to the coastline.

Near creeks, rivers, other waterwaysNear creeks, rivers, other waterwaysIncluding living in low-lying areas and areas near stormwater drains, spillways and causeways.

In a tropical regionIn a tropical regionIt is a non-arid climate in which all twelve months have mean temperatures of at least 18 °C.

Within a few streets of the bushWithin a few streets of the bushStreets which join on to bushland, bush reserves or you live only a few blocks away from bushland.

None of the aboveNone of the aboveThese are locations where like businesses are located together, either as individual premises owners or renters within a complex centre.

Even if you do not work in a high risk area for floods, tsunami or bushfire, you can still be affected by these disasters. It is important to plan for natural disasters as access to areas may be closed, you could lose power, sewerage or other essential amenities. Remember, severe storms and house fires can potentially affect all businesses. Check insurances for the premises and the cover you have for varying natural disaster.