Elders Insurance offers business insurance for small and medium businesses, whether you work from home, own or lease your premises. Core covers include:
Covers your premises and contents for events such as fire, storm, impact, explosion, earthquake, riot, vandalism and accidental damage, subject to the limits and conditions in the PDS.
Covers claims made against you for third-party personal injury or property damage caused by your business, including defence costs.
Covers loss of income and increased costs of working after an insured event disrupts your business.
Covers theft of stock, contents and fixed machinery, as well as staff and customer belongings.
Covers internal and external glass and signage.
You can choose comprehensive, third party property damage with fire and theft, or third party property damage only cover. Larger businesses can look at Elders' commercial motor and fleet insurance.
Elders also offers cover for money, machinery breakdown, electronic equipment, general property, employee dishonesty, tax audit, statutory liability and employment practices.
Like all policies, Elders business insurance has exclusions. The general exclusions in the Business Pack PDS apply to every section of the policy and include:
Each section also has its own exclusions. For example, accidental damage cover under the property section doesn't cover wear and tear, gradual deterioration or faulty workmanship. There are also policy conditions, excesses and limits on covers and additional benefits.
You can get a quote for Elders business insurance in a few ways:
If you need to make a claim, you can speak to the local Elders Insurance agent that has been assigned to you. The name of your Elders Insurance agent can be found on your insurance schedule, along with their contact details. They will put through your claim for you. If you're unsure who your local agent is, you can find them here.
If it's an after-hours emergency and you can't reach your agent, call the Elders Insurance National Claims Line on 1300 554 184.
Imar offers legal liabilty cover of up to $20 million and a host of different insurances you can shape to the needs of your business – even if it’s a business of one.
Find out how Elders Business Insurance might be right for you.
There are various types of insurance to consider based on your specific business needs. Find out more in this guide.
Just like any other form of insurance, if you are operating a drone for commercial purposes, it makes good sense to insure your business against damage or injury to others and damage or loss of your equipment.
Find comprehensive business insurance cover for pet service professionals.
View the finder.com.au listing of Australian business insurance providers and find out what each provider covers. Access detailed policy reviews and make an enquiry for different companies.
This hourly rate calculator helps you consider your costs and profit and divide that by the number of hours you will work.
Aon, a global insurance company with a wealth of experience, offers professional indemnity insurance cover to suit an extensive range of professions.
Find professional indemnity insurance for builders in Australia.
