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What types of cover does Elders Insurance offer?
Elders Insurance policy provides a variety of cover that protects commercial farm operators and lifestyle farms. Here are a few things you can get cover for:
Home
Home cover provides protection for your home and belongings from insured events or accidental damage. Some other benefits include:
Cover for fusion of electric motor
Limited cover for illegal use of credit cards
Personalise you cover for contents away from home
Cover for temporary accommodation while your home is repaired
Farm property
You can personalise you cover to choose which farm assets to insure including livestock, hay, sileage, grain and fencing for fire. Buildings, contents and machinery can be covered for fire, storm and accidental damage. You can choose to insure increased costs following a loss such as buying in Hay if pasture is lost or hiring machinery to complete harvesting, spraying or sowing.
Replanting trees
Fire prevention and extinguishment costs
Employees belongings cover
Farm liability
Farm Liability cover provides protection for claims made on you by other people, arising out of your farm business. Some of the additional and optional benefits include:
Farm hosting (optional)
Aerial spraying (optional)
Farm vehicle
Provides protection in case any of your motor vehicles used in your farming business are accidentally or maliciously damaged, stolen or involved in any accidents. Some of the additional benefits include:
Hire vehicle costs following theft
Removal of vehicle debris
You can choose to insure for third party property damage only cover.
Crop
Elders Insurance also offers crop insurance. This protects you should hail, fire, transit, storage or broadacre loss.
What's not included in an Elders Insurance farm policy?
These are the things that are not covered by the Elders Insurance farm policy. To find out exactly what these are, refer to the general exclusions and specific exclusions in the product disclosure statement (PDS). Some of the general exclusions under the Elders Insurance policy include:
Any loss or damage resulting from war or terrorism.
Any intentional damage by you, a member of your family or a person acting with your consent.
Any loss or damage caused by flood or action of sea water.
Any liability to provide cover, pay any claim or provide any benefit that breaches any sanctions, prohibitions, or restrictions under United Nations resolutions or any other applicable trade or economic sanctions.
Any loss caused directly or indirectly by inhalation of exposure to or presence of asbestos.
There are also policy conditions, excess and limits/sub-limits on covers and additional benefits.
Make sure you read the PDS
2022 Finder research shows that 23% of Australians can't be bothered reading the PDS. For a full list of exclusions see the Elders Insurance Farm Policy PDS.
How to make a claim
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, as will their contact details. They will put through your claim for you personally. If you're unsure who your local agent is, you can find them here.
FAQs
Elders business insurance policies are underwritten by QBE Insurance (Australia) Limited. This is managed through a joint venture arrangement where Elders Insurance acts as the underwriting agency for QBE products.
Yes, you can choose to pay your business insurance premiums in monthly instalments via direct debit. This option helps businesses manage cash flow by spreading the cost of cover across the year rather than paying a single annual lump sum.
Yes, Elders provides specialised commercial motor insurance that can cover individual business vehicles or entire fleets. The cover includes options for accidental damage, fire, theft and legal liability for damage to third-party property.
Yes, public liability is a core component of the Elders business insurance suite. It is designed to protect your business against the financial risk of being found liable for third-party death, injury or property damage.
Yes, Elders Insurance provides Workers' Compensation cover for employers in Western Australia, Northern Territory, Australian Capital Territory, and Tasmania. For businesses in other states, workers' compensation is managed through government-regulated schemes.
Yes, Elders offers tailored business property insurance that covers premises whether you own, lease or work from home. Their policies can be customised to protect home-based business assets, stock and equipment from fire, theft and accidental damage.
Gary Ross Hunter has over 6 years of expertise writing about insurance, including life, health, home, and car insurance. Having reviewed hundreds of product disclosure statements and published over 800 articles, he loves simplifying complex insurance topics for everyday readers. Gary has contributed to major outlets like Yahoo Finance, The Sydney Morning Herald, and news.com.au, and holds a Bachelor of Arts (Honours) in English Literature from the University of Glasgow, along with a Tier 2 General Advice certification, ensuring his work adheres to ASIC’s RG146 standards.
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