Australia Risk Assessment Country Guide

Doing Business in Australia

One of the largest countries in the world, Australia is home to a wide array of landscapes and a diverse group of citizens. With its vast deserts, expansive rainforests and miles of beautiful coastline, the country is an attractive destination for expats and thousands of foreign travelers alike.

Due to its immense size, you should plan your trip to Australia carefully - especially to more remote areas. The nation often copes with natural disasters, such as tropical cyclones, flash flooding, dust storms and bushfires. These could pose threats to visitors, so you should closely monitor the situation via local media outlets.

Australia has a relatively stable government, and there is only an underlying threat of terrorism according to UK Foreign & Commonwealth Office (FCO). Even so, the country may pose a number of unique risks to foreigners. You should consider comprehensive international insurance prior to leaving your home country. 

  • Health
  • Safety & Security
  • Terrorism
  • Business Customs

On May 26, 2015, the CDC issued a level 1 watch for Australia due to the increase of reported cases of Ross River virus, which causes joint pain, muscle pain, fever, tiredness, and rash. It is transmitted by mosquito bites. As of May 14 2015, according to the Department of Health in Australia, there have been a total of 6,945 cases of Ross River virus disease (RRVD) reported, the most cases reported since 1996. The disease is spread through mosquito bites and cause joint pain and swelling, fever, tiredness, and rash. While most people (55% to 75%) do not experience any symptoms, some experience them for weeks or even months. 

Australia has many high-quality medical facilities and services. However, the costs of healthcare can add up quickly and health insurance is recommended. Before leaving your home country, you should discuss any possible vaccinations or other preventative measures with your primary care physician.

However, healthcare costs can accumulate while overseas. Clements Worldwide offers GlobalCare® health insurance, with up to USD 5 million in health care benefits. With Clements, you will have flexible payment options, choice of deductible and around-the-clock, multilingual claims assistance. GlobalCare health insurance allows you to choose from any doctor you want, with no limiting network. 

In some cases, you may have to travel in order to reach appropriate levels of care while in Australia. A Medical Evacuation and Repatriation insurance policy from Clements covers expenses to transport you to a capable medical facility in case a local medical center isn’t able to provide adequate treatment.

Call us today at +1.202.872.0060 or 800.872.0067 or email request@clements.com to discuss your organization’s travel needs tailored to considerations involved while operating in Australia.

Source: UK Foreign & Commonwealth Office and Clements Worldwide 

Contact a Clements Representative for Insurance Solutions

The sheer size of Australia could pose problems for expats and other foreigners. You should be careful while traversing the country, and make sure all proper precautions have been taken. While the political climate is fairly stable, you should still avoid all demonstrations and large gatherings.

A Personal Accident insurance policy from Clements protects your organization’s employees and their families' financial stability following an accident, regardless of whether it occurs on the job or during personal time. Coverage begins at USD 100,000 per person.

According to UK's Department for Transport, there were 1,310 road deaths in Australia in 2012. That is 6.0 road deaths per 100,000 of population.Sudden shifts in weather can cause problems while driving, and you should be extra cautious while traveling in remote areas of central Australia.

Clements offers international car insurance, which includes Physical Damage, Third Party Liability, and Excess Liability coverage. With flexible deductible options and fast claims processing, your policy will provide coverage for your vehicle fleet whether it’s on the road, parked or transported abroad. 

Any mariners off the coast of Australia may also want a Maritime Security insurance policy from Clements. A policy ensures compliance with BIMCO insurance requirements and GUARDCON standards that will achieve cost savings, better coverage, and more efficient policy administration.

Call us today at +1.202.872.0060 or 800.872.0067 or email request@clements.com to discuss your organization’s travel needs tailored to considerations involved while operating in Australia.

Source: UK Foreign & Commonwealth Office and Clements Worldwide 

Contact a Clements Representative for Insurance Solutions

On September 9, 2016, a man allegedly stabbed a person in an Islamic State inspired attack in Sydney.

On August 30, 2016, an Aboriginal teenager was shot in Kalgoorlie, Australia. The attack appears to be racially motivated.

On August 24, 2016, a 29-year-old French citizen stabbed a female British backpacker while shouting “Allahu Akbar” and a British man was critically wounded, another Australian man suffered non-life-threatening injuries. 

In December 2014, an armed man held 17 employees and customers hostage for more than 16 hours in a cafe in Sydney. Although six hostages escaped, two of them were killed. 

Although there is a low threat of terrorism in Australia, expats should be careful. These attacks could take place in locations often visited by expats and tourists.

Clements also provides a Kidnap and Ransom insurance policy, which ensures financial assistance following a kidnapping, such as independent investigations, negotiations and the arrangement and delivery of funds.

Call us today at +1.202.872.0060 or 800.872.0067 or email request@clements.com to discuss your organization’s travel needs tailored to considerations involved while operating in Australia.

Source: UK Foreign & Commonwealth Office and Clements Worldwide 

Contact a Clements Representative for Insurance Solutions

Australia Business Customs 

Australia is a very friendly and open culture. However, "G'day" the informal "hello" is overused by tourists. Avoid using any “cultural clichés” when conducting business communications with a native Australian as they are often considered offensive and inaccurate.

Business Culture in Australia Australia places a strong emphasis on efficiency, especially when it comes to business meetings. When in a business meeting avoid wasting time or discussing irrelevant information and get straight to the point.

Most importantly, you should expect your meetings and your work days to start early. Respect those who you are working with and follow up after meetings.

 The Australians expect one's work to speak for itself, so they are not impressed with your position, title, or status, always be polite and humble, as that is the best way to build quality professional relationships. Avoid wearing flashy jewelry or overly expensive clothing,

When in an informal/casual business setting such as dinner or after-work drinks, use the following guidelines for social interactions:

  • When paying for a round of drinks, do not pick up the tab out of turn, and make sure to pay when it is your turn.
  • Be an active listener, and ask if you do not understand something in the conversation.
  • Maintain good eye contact during meetings and conversations.
  • Do not hype yourself, your company or your information.
  • Sightseeing and sports are good conversational topics.

Want to learn more about business etiquette? Find out about business etiquette in Ireland

Doing Business in Ireland

Call us today at +1.202.872.0060 or 800.872.0067 or e-mail request@clements.com to discuss your needs.