Financial protection to cover buildings, contents and stock that you own or are responsible for that may be damaged by accident. Benefits include:
Fire extinguishment costs
Government fees
Landscaping costs
Business liability
Financial protection for your business if something goes wrong and a third party is affected. Business liability insurance can help in the event that something goes wrong and a third party is affected, our business liability insurance will help protect you and your business against claims for both public liability and products liability.
Business interruption
You can get cover for loss of gross profit if business is interrupted. You'll be covered if your claim is successful and arising from an event in the property, theft, money and glass section of the product disclosure statement. We'll help you get back on track if an accident ever occurs, we'll cover your loss of income and the increased costs of working, and help get your business up and running.
Business theft
This can cover you for loss of stock and contents caused by thieves who break into your property. Benefits can include:
Repairing damage to business premises
Repairing property
Repairing/replacing fixtures & fittings
Repairing/replacing locks and keys
Business glass
Business glass damage covers loss or damage to glass windows, doors and glass in cabinets and signs for accidental breakage. It can also cover:
Alarms
Shop front damage
Sign damage
Business vehicle
Business vehicle insurance give you the choice of: accidental damage cover; fire and theft cover; and damage to other people's property that you may cause. Benefits include:
Providing you with your choice of repairer and a repair guarantee
Covering you for towing costs
Paying for the removal of debris from your vehicle
Reimbursing you for emergency services charges
Providing a hire vehicle if your is stolen
What other business cover options are available?
Elders Insurance also provide a number of other business insurance policy options to fit different sizes and needs. Some of these options include cover for:
Money
Machinery breakdown
Electronic equipment
General property
Employee dishonesty
Tax audit
Statutory liability
Employment practices
Elders Insurance can also offer you a range of products which allows you to tailor insurance to your specific needs. This includes the below options:
Management liability
Professional indemnity
Corporate travel
Workers compensation
Special plant & equipment
Voluntary workers
Industrial specialist risk
Contract works
Builders warranty
Aviation
Personal accident, illness & injury
Machinery & plant
Marine & transit
Commercial strata
What's excluded from Elders Business Insurance policies?
As with all types of insurance, not everything is covered by an Elders business insurance policy. For a full list of exclusions, read the product disclosure statement (PDS). Here's an overview of what is not covered:
Any loss or damage as a result of war or terrorism
Any loss or damage as a result of intentional damage
Any loss or damage related to unoccupancy e.g. if you leave the property unoccupied for more than 60 consecutive days
Any loss or damage related to electronic data e.g. the cost of rewriting records as a result of loss of electronic data
Any loss, damage or liability related to alteration unless written consent is obtained, for example, if the insured building is changed in such a way as to increase the risk of damage or the likelihood of liability losses.
How to make a claim on your Elders Business Insurance
When you sign up to a policy with Elders Insurance, you work with your local agent who lives in your community. You'll be provided with a contact number so that you can get in touch with them directly. To make a business insurance claim, simply get in touch with your local agent. If you can't remember them or don't have their number anymore, you can get it from your renewal form or find them here.
Gary Ross Hunter is an editor at Finder, specialising in insurance. He’s been writing about life, travel, home, car, pet and health insurance for over 6 years and regularly appears as an insurance expert in publications including The Sydney Morning Herald, The Guardian and news.com.au. Gary holds a Kaplan Tier 2 General Advice General Insurance certification which meets the requirements of ASIC Regulatory Guide 146 (RG146). See full bio
Gary Ross's expertise
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