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Flood insurance saves the day for Muffin Break Franchisee

By Michael Giansiracusa on

When severe floods hit Townsville in February 2019, businesses and homes were completely devastated as water inundated the city.

One year on, we are thrilled to read some positive news in the Towsville Bulletin that our client, Muffin Break franchisee Brenda Stubberfield, is back up on her feet.

Following the floods, Brenda’s Muffin Break business was disrupted for an extended period of time. However unlike many others, Brenda’s business insurance policy, arranged by Whitbread and franchise operator Foodco - included flood Flood article imagecover. This protection, in addition to a business insurance policy tailored to her risk exposures, played a considerable role in her Muffin Break’s fast recovery.     

Brenda’s business insurance paid for her new kiosk, loss of stock, and loss of income while she was unable to operate her business.

Reopening at Fairfield Shopping Centre just last week, Brenda acknowledged “she was one of the lucky ones”, and although there was a significant premium increase since the floods, expressed she “doesn’t mind paying”, because she understands the value of quality insurance cover that responds when things go wrong.

The value of a broker

Brenda’s story underscores the value of an insurance broker to arrange a quality insurance program and manage claims on your behalf.

A Whitbread broker works on your behalf to:

  • Provide professional insurance guidance and advice
  • Develop a tailored insurance program that aligns with your risk exposures
  • Provide alternative quotations, accessing exclusive insurance markets not available to the general public
  • Negotiate cover features, deductibles and premiums with insurers
  • Place and manage your insurance program

Dedicated claims consultants are also on hand to manage any insurance claims on your behalf, always advocating for the best possible outcome.

Congratulations again to Brenda on the reopening of her business! We wish you all the best for a prosperous 2020. 


Source: Townsville Bulletin (


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This insight article is not intended to be personal advice and you should not rely on it as a substitute for any form of personal advice.  Please contact Whitbread Associates Pty Ltd ABN 69 005 490 228 Licence Number: 229092 trading as Whitbread Insurance Brokers for further information or refer to our website.

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