Ms McBAIN (Eden-Monaro) (13:33): As people and businesses right across the mighty Eden-Monaro manage the rise and fall of the bushfire recovery process, they are committed to sharing their learnings with the wider Australian community. Insurance has long been one of the challenges those impacted by natural disasters have faced, and the Insurance Council of Australia has played a positive role in that space. With the first anniversary of last summer's flames almost here, I'm being approached by businesses big and small, from Kosciuszko to the Sapphire Coast to the Snowy valleys, who simply can't insure into the future because either the cost is prohibitive or insurance companies simply aren't willing to take on the risk and offer a policy. Some residents are also struggling to find insurance again for their family home. This is a worrying trend and has the potential to undermine the confidence and investment needed to drive jobs and renewal. One ski operator I met with suggested it might be time to bring back the Government Insurance Office to help businesses and residents get back on track. The bushfire royal commission outlined 80 recommendations to make our nations better prepared for such emergencies. Had the recommendations of the 240 previous disaster inquiries been adopted, the insurance sector might have more confidence in our future. Longer bushfire seasons and rising sea levels are the headline when it comes to climate change. These details are now being felt. The time for action is long overdue in terms of both natural disaster preparedness and climate action. (Time expired)