Supply chain disruptions significantly impact Australian business insurance claims by creating complex coverage gaps, increasing business interruption claims, and highlighting the need for comprehensive risk assessment beyond traditional property damage coverage.
The Australian business landscape has fundamentally changed since 2020, with supply chain disruptions becoming a persistent challenge rather than a temporary setback. From manufacturing delays to staffing shortages, these disruptions continue to ripple through industries across Australia, creating unexpected insurance claim scenarios that many business owners haven't anticipated.
Understanding how supply chain disruption insurance claims Australia work is crucial for business owners seeking proper protection. The reality is that traditional insurance policies weren't designed for the complex, interconnected risks we face today, where a factory closure in China or a shipping delay at Port Botany can trigger significant financial losses for Australian businesses.
The Current State of Supply Chain Disruptions in Australia
Despite initial expectations that supply chains would normalise by now, Australian businesses continue to grapple with ongoing challenges. The most significant issue facing many industries is the labour shortage crisis, where experienced workers who retired or left during the pandemic haven't been adequately replaced.[1]
This workforce shift has particularly affected critical sectors like retail and construction. Many supermarket chains struggle to maintain proper staffing levels, leading to empty shelves and reduced service capacity. Similarly, construction projects face extended timelines due to skilled labour shortages and delayed material deliveries.
Global supply chain claims have risen by 20% in 2025, with Australian businesses increasingly filing business interruption claims related to supplier delays and workforce shortages.[/custom_blockquote]
Small businesses face additional challenges with international suppliers. Many report losing key suppliers during the pandemic and struggling to establish new relationships with reliable overseas manufacturers. Import delays from China, in particular, continue to affect businesses dependent on overseas stock, with some experiencing delivery times three times longer than pre-pandemic levels.
Geopolitical factors compound these issues. The ongoing conflict in Ukraine has disrupted global grain, wheat, and oil supplies, while energy costs remain elevated. China's periodic lockdown policies continue to affect factory output and logistics, creating unpredictable supply chains for Australian importers.
How Supply Chain Issues Trigger Insurance Claims
Supply chain disruptions affect business insurance claims in several distinct ways, each presenting unique challenges for both policyholders and insurers. Understanding these mechanisms helps business owners better prepare for potential coverage gaps.
Business Interruption Claims
The most common type of supply chain-related claim is business interruption insurance. When a critical supplier experiences a shutdown—whether due to fire, natural disaster, or other covered peril—your business may lose revenue even though your own premises remain undamaged.[2]
However, standard business interruption policies often contain specific limitations around supply chain coverage. Many policies require the supplier's interruption to result from a "covered cause of loss" and may limit the geographic scope or duration of coverage. This creates potential gaps when suppliers face issues like labour strikes, cyberattacks, or government-mandated closures.[3]
Consider "contingent time element" coverage as an addition to standard business interruption insurance. This specifically covers losses when your suppliers or key customers experience covered interruptions, providing broader protection against supply chain risks.
Product Liability and Quality Issues
Supply chain pressures often force businesses to source from new or less familiar suppliers, potentially increasing quality control risks. When businesses rush to find alternative suppliers, they may inadvertently compromise on product standards, leading to potential liability claims.
This scenario is particularly relevant for retailers and manufacturers who must maintain product quality standards while dealing with supplier shortages. The pressure to keep shelves stocked or production lines running can result in accepting lower-quality inputs, creating downstream liability exposures.
Employment Practices Claims
The staffing crisis has created significant employment-related insurance exposures. Many Australian businesses, particularly in retail, have faced substantial wage theft claims as they struggled to manage skeletal crews and extended hours.[4]
Supply chain disruptions often force operational changes that can inadvertently create employment law violations. Businesses should review their employment practices liability coverage when implementing staffing changes or extended hours to manage supply shortages.
Major retailers have paid hundreds of thousands of dollars in backpay to individual employees, highlighting how operational pressures can lead to significant employment practices liability exposures. These claims often arise when businesses attempt to avoid penalty rates by restructuring shifts or requiring salaried staff to work excessive unpaid overtime.
Industry-Specific Impact Patterns
Retail and Consumer Goods
The retail sector faces unique challenges with just-in-time inventory systems proving highly vulnerable to ongoing disruptions. Many supermarkets lack adequate storage space for stockpiling, making them dependent on reliable delivery schedules that remain unpredictable.[5]
Retailers also face reputational risks when supply shortages lead to empty shelves or significantly delayed customer orders. While reputational damage isn't typically covered under traditional insurance policies, the business interruption and customer liability exposures can be substantial.
If you're operating in retail or consumer goods, understanding your business interruption insurance coverage is essential for managing supply chain-related losses effectively.
Construction and Trades
Construction businesses face a double challenge: both material delays and skilled labour shortages. This combination often leads to project delays that can trigger various insurance claims, from professional indemnity issues to contractor default scenarios.[6]
Material cost escalations due to supply shortages can also affect project profitability, potentially leading to contractor financial stress and increased default risks. Construction businesses should carefully review their coverage limits and ensure adequate protection for extended project timelines.
Manufacturing and Import-Dependent Businesses
Manufacturers face complex supply chain risks, particularly those dependent on overseas components. The combination of shipping delays, customs processing issues, and quality control challenges creates multiple potential claim scenarios.
For businesses seeking comprehensive protection, our guide on business insurance for Australian SMEs provides valuable insights into structuring appropriate coverage for supply chain-dependent operations.
Coverage Gaps and Policy Limitations
Many Australian business owners discover coverage gaps only when filing claims related to supply chain disruptions. Understanding these limitations is crucial for proper risk management and insurance planning.
Geographic and Supplier Limitations
Standard business interruption policies often limit coverage to specific geographic regions or named suppliers. This creates significant exposures for businesses with global supply chains, particularly those sourcing from regions prone to natural disasters or political instability.
Some policies require businesses to maintain supplier lists and may not cover interruptions from unnamed suppliers. This proves problematic when businesses must quickly source alternative suppliers during disruptions.
Causation Requirements
Insurance policies typically require supply chain interruptions to result from specific "covered causes of loss." This means disruptions due to labour strikes, government regulations, or pandemic-related closures may not trigger coverage under standard business interruption policies.[7]
Over 60% of supply chain disruption claims face coverage disputes due to unclear causation requirements and policy exclusions that weren't apparent until filing claims.
Understanding these causation requirements is essential when evaluating your coverage adequacy. Many businesses benefit from specialised supply chain insurance products designed to address these gaps in traditional business interruption coverage.
Time Element Considerations
Business interruption policies typically provide coverage for specific time periods, often 12 to 24 months. However, supply chain rebuilding can take significantly longer, particularly for businesses dependent on specialised suppliers or complex international relationships.
This timing mismatch creates potential coverage gaps when businesses face extended recovery periods. Some manufacturers report spending years rebuilding supplier relationships disrupted during the pandemic, far exceeding typical policy periods.
Risk Management Strategies
Effective supply chain risk management requires a combination of operational strategies and appropriate insurance coverage. The goal is creating resilience while ensuring adequate protection when disruptions occur.
Supplier Diversification and Contingency Planning
Businesses should evaluate their supplier concentration risks and develop contingency plans for critical inputs. This includes maintaining relationships with backup suppliers and understanding the insurance implications of supplier changes.
When developing supplier contingency plans, consider the insurance requirements for alternative suppliers. Ensure your policy covers potential new suppliers and understand any notification requirements for supplier changes.
Enhanced Business Interruption Coverage
Consider expanding business interruption coverage to specifically address supply chain risks. This might include contingent business interruption coverage, extended time elements, or specialised supply chain insurance products.
Review your business interruption policy annually to ensure supplier lists are current and coverage limits reflect actual business dependencies. Consider "contingent supplier" coverage for unnamed suppliers you might need during emergencies.
For businesses recognising the importance of comprehensive coverage, exploring small business insurance packages can provide bundled protection addressing multiple supply chain-related risks.
Employment Practices Risk Management
Given the employment-related claims arising from supply chain pressures, businesses should review their employment practices liability coverage and ensure compliance with Australian workplace laws during operational changes.
This includes proper documentation of work hours, adherence to penalty rate requirements, and appropriate management of overtime obligations during supply shortages or increased operational demands.
Claims Process Considerations
When supply chain disruptions do trigger insurance claims, the claims process can be more complex than traditional property damage claims. Understanding these complexities helps ensure smoother claim resolution.
Documentation Requirements
Supply chain-related claims often require extensive documentation to establish causation and quantify losses. This includes supplier contracts, delivery schedules, alternative sourcing attempts, and detailed financial impact calculations.
Maintaining proper documentation throughout supply chain disruptions—not just during claim filing—significantly improves claim outcomes. This proactive approach helps demonstrate the business impact and supports coverage arguments.
For insights into managing complex claim scenarios, our analysis of delayed insurance claims and complications provides valuable guidance on avoiding common pitfalls.
Loss Quantification Challenges
Calculating business interruption losses from supply chain disruptions can be complex, particularly when disruptions affect only certain product lines or customer segments. Insurers often scrutinise these calculations carefully, requiring detailed financial analysis.
Working with qualified professionals during the claims process helps ensure accurate loss quantification and appropriate documentation. This investment often pays dividends in claim resolution speed and settlement amounts.
Future Outlook and Emerging Risks
Supply chain vulnerabilities are likely to remain a significant business risk for the foreseeable future. Climate change, geopolitical tensions, and evolving labour markets continue to create new disruption scenarios requiring adaptive insurance approaches.
Emerging risks include cyber attacks on supply chain infrastructure, climate-related disruptions, and regulatory changes affecting international trade. These evolving risks require ongoing insurance programme reviews to ensure adequate protection.
Understanding how these factors may affect insurance costs is crucial for budget planning. Our analysis of insurance premium increases provides valuable context for managing these evolving cost pressures.
Businesses should work with experienced insurance brokers to stay ahead of these emerging risks and ensure their coverage evolves with their risk profile. Regular policy reviews become essential in this dynamic risk environment.
Next Steps: How Midland Insurance Helps
Supply chain disruption risks require specialised insurance expertise to ensure adequate protection. Midland Insurance's experienced team understands the complex interplay between operational disruptions and insurance coverage, helping Australian businesses navigate these challenging risk scenarios.
Our comprehensive approach includes evaluating your current coverage for supply chain gaps, recommending appropriate enhancements, and ensuring your insurance programme evolves with your business dependencies. We work with leading Australian insurers to structure coverage that addresses both traditional risks and emerging supply chain exposures.
Whether you're dealing with supplier concentration risks, international supply dependencies, or staffing challenges affecting your operations, Midland Insurance provides the expertise needed to structure appropriate protection. Our team takes the time to understand your specific supply chain risks and recommend coverage solutions that provide genuine protection when disruptions occur.
Ready to review your business insurance for supply chain exposures? Contact Midland Insurance today at 1300 306 571 or email contact@midlandinsurance.com.au for a comprehensive insurance review. As Australia's trusted insurance brokerage for businesses and professionals, we're here to help you navigate the complex intersection of supply chain risks and insurance coverage.
Don't wait for a supply chain disruption to discover coverage gaps—take proactive steps today to ensure your business has the protection it needs for tomorrow's challenges.
Sources
- Hussain, M., Ajmal, M. M., Gunasekaran, A., & Khan, M. (2024). Production disruption in supply chain systems: impacts on manufacturing performance and resilience. Annals of Operations Research. https://link.springer.com/article/10.1007/s10479-023-05782-9
- Bouri, E., Cepni, O., Gabauer, D., & Gupta, R. (2023). Business interruption insurance as a means of spreading catastrophic risk for European companies. The Geneva Papers on Risk and Insurance. https://link.springer.com/article/10.1057/s41288-023-00295-9
- Bouri, E., Cepni, O., Gabauer, D., & Gupta, R. (2023). Business interruption insurance as a means of spreading catastrophic risk for European companies. The Geneva Papers on Risk and Insurance. https://link.springer.com/article/10.1057/s41288-023-00295-9
- Roggeveen, A. L., & Sethuraman, R. (2022). Lessons from the COVID-19 pandemic: The case of retail and consumer services. Journal of Retailing and Consumer Services. https://www.sciencedirect.com/science/article/pii/S0969698922001059
- Mandal, S. (2023). Supply chain resilience: new challenges and opportunities. The International Journal of Logistics Management. https://www.tandfonline.com/doi/full/10.1080/13675567.2023.2262396
- Construction Industry Research. (2021). Prioritising the key causes of construction project delay in Australia. International Journal of Construction Management. https://www.tandfonline.com/doi/full/10.1080/15623599.2025.2568103
- Wang, Q., Zhang, S., & Li, Z. (2023). Supply chain disruption mitigation strategies to advance environmental sustainability. Journal of Cleaner Production. https://www.sciencedirect.com/science/article/pii/S0959652623028019
Note: This article provides general information only and does not constitute financial or insurance advice. Always seek professional guidance before making coverage decisions.
Supply chain disruptions significantly impact Australian business insurance claims by creating complex coverage gaps, increasing business interruption claims, and highlighting the need for comprehensive risk assessment beyond traditional property damage coverage.
The Australian business landscape has fundamentally changed since 2020, with supply chain disruptions becoming a persistent challenge rather than a temporary setback. From manufacturing delays to staffing shortages, these disruptions continue to ripple through industries across Australia, creating unexpected insurance claim scenarios that many business owners haven't anticipated.
Understanding how supply chain disruption insurance claims Australia work is crucial for business owners seeking proper protection. The reality is that traditional insurance policies weren't designed for the complex, interconnected risks we face today, where a factory closure in China or a shipping delay at Port Botany can trigger significant financial losses for Australian businesses.
The Current State of Supply Chain Disruptions in Australia
Despite initial expectations that supply chains would normalise by now, Australian businesses continue to grapple with ongoing challenges. The most significant issue facing many industries is the labour shortage crisis, where experienced workers who retired or left during the pandemic haven't been adequately replaced.[1]
This workforce shift has particularly affected critical sectors like retail and construction. Many supermarket chains struggle to maintain proper staffing levels, leading to empty shelves and reduced service capacity. Similarly, construction projects face extended timelines due to skilled labour shortages and delayed material deliveries.
Global supply chain claims have risen by 20% in 2025, with Australian businesses increasingly filing business interruption claims related to supplier delays and workforce shortages.[/custom_blockquote]
Small businesses face additional challenges with international suppliers. Many report losing key suppliers during the pandemic and struggling to establish new relationships with reliable overseas manufacturers. Import delays from China, in particular, continue to affect businesses dependent on overseas stock, with some experiencing delivery times three times longer than pre-pandemic levels.
Geopolitical factors compound these issues. The ongoing conflict in Ukraine has disrupted global grain, wheat, and oil supplies, while energy costs remain elevated. China's periodic lockdown policies continue to affect factory output and logistics, creating unpredictable supply chains for Australian importers.
How Supply Chain Issues Trigger Insurance Claims
Supply chain disruptions affect business insurance claims in several distinct ways, each presenting unique challenges for both policyholders and insurers. Understanding these mechanisms helps business owners better prepare for potential coverage gaps.
Business Interruption Claims
The most common type of supply chain-related claim is business interruption insurance. When a critical supplier experiences a shutdown—whether due to fire, natural disaster, or other covered peril—your business may lose revenue even though your own premises remain undamaged.[2]
However, standard business interruption policies often contain specific limitations around supply chain coverage. Many policies require the supplier's interruption to result from a "covered cause of loss" and may limit the geographic scope or duration of coverage. This creates potential gaps when suppliers face issues like labour strikes, cyberattacks, or government-mandated closures.[3]
Consider "contingent time element" coverage as an addition to standard business interruption insurance. This specifically covers losses when your suppliers or key customers experience covered interruptions, providing broader protection against supply chain risks.
Product Liability and Quality Issues
Supply chain pressures often force businesses to source from new or less familiar suppliers, potentially increasing quality control risks. When businesses rush to find alternative suppliers, they may inadvertently compromise on product standards, leading to potential liability claims.
This scenario is particularly relevant for retailers and manufacturers who must maintain product quality standards while dealing with supplier shortages. The pressure to keep shelves stocked or production lines running can result in accepting lower-quality inputs, creating downstream liability exposures.
Employment Practices Claims
The staffing crisis has created significant employment-related insurance exposures. Many Australian businesses, particularly in retail, have faced substantial wage theft claims as they struggled to manage skeletal crews and extended hours.[4]
Supply chain disruptions often force operational changes that can inadvertently create employment law violations. Businesses should review their employment practices liability coverage when implementing staffing changes or extended hours to manage supply shortages.
Major retailers have paid hundreds of thousands of dollars in backpay to individual employees, highlighting how operational pressures can lead to significant employment practices liability exposures. These claims often arise when businesses attempt to avoid penalty rates by restructuring shifts or requiring salaried staff to work excessive unpaid overtime.
Industry-Specific Impact Patterns
Retail and Consumer Goods
The retail sector faces unique challenges with just-in-time inventory systems proving highly vulnerable to ongoing disruptions. Many supermarkets lack adequate storage space for stockpiling, making them dependent on reliable delivery schedules that remain unpredictable.[5]
Retailers also face reputational risks when supply shortages lead to empty shelves or significantly delayed customer orders. While reputational damage isn't typically covered under traditional insurance policies, the business interruption and customer liability exposures can be substantial.
If you're operating in retail or consumer goods, understanding your business interruption insurance coverage is essential for managing supply chain-related losses effectively.
Construction and Trades
Construction businesses face a double challenge: both material delays and skilled labour shortages. This combination often leads to project delays that can trigger various insurance claims, from professional indemnity issues to contractor default scenarios.[6]
Material cost escalations due to supply shortages can also affect project profitability, potentially leading to contractor financial stress and increased default risks. Construction businesses should carefully review their coverage limits and ensure adequate protection for extended project timelines.
Manufacturing and Import-Dependent Businesses
Manufacturers face complex supply chain risks, particularly those dependent on overseas components. The combination of shipping delays, customs processing issues, and quality control challenges creates multiple potential claim scenarios.
For businesses seeking comprehensive protection, our guide on business insurance for Australian SMEs provides valuable insights into structuring appropriate coverage for supply chain-dependent operations.
Coverage Gaps and Policy Limitations
Many Australian business owners discover coverage gaps only when filing claims related to supply chain disruptions. Understanding these limitations is crucial for proper risk management and insurance planning.
Geographic and Supplier Limitations
Standard business interruption policies often limit coverage to specific geographic regions or named suppliers. This creates significant exposures for businesses with global supply chains, particularly those sourcing from regions prone to natural disasters or political instability.
Some policies require businesses to maintain supplier lists and may not cover interruptions from unnamed suppliers. This proves problematic when businesses must quickly source alternative suppliers during disruptions.
Causation Requirements
Insurance policies typically require supply chain interruptions to result from specific "covered causes of loss." This means disruptions due to labour strikes, government regulations, or pandemic-related closures may not trigger coverage under standard business interruption policies.[7]
Over 60% of supply chain disruption claims face coverage disputes due to unclear causation requirements and policy exclusions that weren't apparent until filing claims.
Understanding these causation requirements is essential when evaluating your coverage adequacy. Many businesses benefit from specialised supply chain insurance products designed to address these gaps in traditional business interruption coverage.
Time Element Considerations
Business interruption policies typically provide coverage for specific time periods, often 12 to 24 months. However, supply chain rebuilding can take significantly longer, particularly for businesses dependent on specialised suppliers or complex international relationships.
This timing mismatch creates potential coverage gaps when businesses face extended recovery periods. Some manufacturers report spending years rebuilding supplier relationships disrupted during the pandemic, far exceeding typical policy periods.
Risk Management Strategies
Effective supply chain risk management requires a combination of operational strategies and appropriate insurance coverage. The goal is creating resilience while ensuring adequate protection when disruptions occur.
Supplier Diversification and Contingency Planning
Businesses should evaluate their supplier concentration risks and develop contingency plans for critical inputs. This includes maintaining relationships with backup suppliers and understanding the insurance implications of supplier changes.
When developing supplier contingency plans, consider the insurance requirements for alternative suppliers. Ensure your policy covers potential new suppliers and understand any notification requirements for supplier changes.
Enhanced Business Interruption Coverage
Consider expanding business interruption coverage to specifically address supply chain risks. This might include contingent business interruption coverage, extended time elements, or specialised supply chain insurance products.
Review your business interruption policy annually to ensure supplier lists are current and coverage limits reflect actual business dependencies. Consider "contingent supplier" coverage for unnamed suppliers you might need during emergencies.
For businesses recognising the importance of comprehensive coverage, exploring small business insurance packages can provide bundled protection addressing multiple supply chain-related risks.
Employment Practices Risk Management
Given the employment-related claims arising from supply chain pressures, businesses should review their employment practices liability coverage and ensure compliance with Australian workplace laws during operational changes.
This includes proper documentation of work hours, adherence to penalty rate requirements, and appropriate management of overtime obligations during supply shortages or increased operational demands.
Claims Process Considerations
When supply chain disruptions do trigger insurance claims, the claims process can be more complex than traditional property damage claims. Understanding these complexities helps ensure smoother claim resolution.
Documentation Requirements
Supply chain-related claims often require extensive documentation to establish causation and quantify losses. This includes supplier contracts, delivery schedules, alternative sourcing attempts, and detailed financial impact calculations.
Maintaining proper documentation throughout supply chain disruptions—not just during claim filing—significantly improves claim outcomes. This proactive approach helps demonstrate the business impact and supports coverage arguments.
For insights into managing complex claim scenarios, our analysis of delayed insurance claims and complications provides valuable guidance on avoiding common pitfalls.
Loss Quantification Challenges
Calculating business interruption losses from supply chain disruptions can be complex, particularly when disruptions affect only certain product lines or customer segments. Insurers often scrutinise these calculations carefully, requiring detailed financial analysis.
Working with qualified professionals during the claims process helps ensure accurate loss quantification and appropriate documentation. This investment often pays dividends in claim resolution speed and settlement amounts.
Future Outlook and Emerging Risks
Supply chain vulnerabilities are likely to remain a significant business risk for the foreseeable future. Climate change, geopolitical tensions, and evolving labour markets continue to create new disruption scenarios requiring adaptive insurance approaches.
Emerging risks include cyber attacks on supply chain infrastructure, climate-related disruptions, and regulatory changes affecting international trade. These evolving risks require ongoing insurance programme reviews to ensure adequate protection.
Understanding how these factors may affect insurance costs is crucial for budget planning. Our analysis of insurance premium increases provides valuable context for managing these evolving cost pressures.
Businesses should work with experienced insurance brokers to stay ahead of these emerging risks and ensure their coverage evolves with their risk profile. Regular policy reviews become essential in this dynamic risk environment.
Next Steps: How Midland Insurance Helps
Supply chain disruption risks require specialised insurance expertise to ensure adequate protection. Midland Insurance's experienced team understands the complex interplay between operational disruptions and insurance coverage, helping Australian businesses navigate these challenging risk scenarios.
Our comprehensive approach includes evaluating your current coverage for supply chain gaps, recommending appropriate enhancements, and ensuring your insurance programme evolves with your business dependencies. We work with leading Australian insurers to structure coverage that addresses both traditional risks and emerging supply chain exposures.
Whether you're dealing with supplier concentration risks, international supply dependencies, or staffing challenges affecting your operations, Midland Insurance provides the expertise needed to structure appropriate protection. Our team takes the time to understand your specific supply chain risks and recommend coverage solutions that provide genuine protection when disruptions occur.
Ready to review your business insurance for supply chain exposures? Contact Midland Insurance today at 1300 306 571 or email contact@midlandinsurance.com.au for a comprehensive insurance review. As Australia's trusted insurance brokerage for businesses and professionals, we're here to help you navigate the complex intersection of supply chain risks and insurance coverage.
Don't wait for a supply chain disruption to discover coverage gaps—take proactive steps today to ensure your business has the protection it needs for tomorrow's challenges.
Sources
- Hussain, M., Ajmal, M. M., Gunasekaran, A., & Khan, M. (2024). Production disruption in supply chain systems: impacts on manufacturing performance and resilience. Annals of Operations Research. https://link.springer.com/article/10.1007/s10479-023-05782-9
- Bouri, E., Cepni, O., Gabauer, D., & Gupta, R. (2023). Business interruption insurance as a means of spreading catastrophic risk for European companies. The Geneva Papers on Risk and Insurance. https://link.springer.com/article/10.1057/s41288-023-00295-9
- Bouri, E., Cepni, O., Gabauer, D., & Gupta, R. (2023). Business interruption insurance as a means of spreading catastrophic risk for European companies. The Geneva Papers on Risk and Insurance. https://link.springer.com/article/10.1057/s41288-023-00295-9
- Roggeveen, A. L., & Sethuraman, R. (2022). Lessons from the COVID-19 pandemic: The case of retail and consumer services. Journal of Retailing and Consumer Services. https://www.sciencedirect.com/science/article/pii/S0969698922001059
- Mandal, S. (2023). Supply chain resilience: new challenges and opportunities. The International Journal of Logistics Management. https://www.tandfonline.com/doi/full/10.1080/13675567.2023.2262396
- Construction Industry Research. (2021). Prioritising the key causes of construction project delay in Australia. International Journal of Construction Management. https://www.tandfonline.com/doi/full/10.1080/15623599.2025.2568103
- Wang, Q., Zhang, S., & Li, Z. (2023). Supply chain disruption mitigation strategies to advance environmental sustainability. Journal of Cleaner Production. https://www.sciencedirect.com/science/article/pii/S0959652623028019
Note: This article provides general information only and does not constitute financial or insurance advice. Always seek professional guidance before making coverage decisions.
