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Business Cover

Business Property Insurance

If your business has physical assets, business property insurance can provide you with cover in the event that they are damaged.

Regardless of whether you own a building, lease your work premises or operate from home, your business may become vulnerable to financial loss if something happens to your work environment.

Simply put, if you suffer property or contents damage or loss, you will need to be able to replace or repair your compromised assets.

With our business property insurance policy, we offer the choice of cover for Defined Events or Accidental Damage to your buildings and contents.

By ensuring the structures that you rely on are adequately covered, you can rest assured that the financial cost of recovering from a one-off event won't put you out of business.

This means ensuring your insured sums adequately cover all the costs of replacement.

At Elders Insurance, we can help you to identify which assets you need to cover with your business property insurance policy.

We will also provide advice and counsel through each renewal so that your policy keeps pace with your business.

This way you can minimise the chance of being inadequately covered should a loss-causing event occur.

Cover can also be provided for the following:

  • Capital additions to your building and contents
  • Directors, partners and employees property
  • Fire extinguishment costs
  • Government fees
  • Landscaping costs
  • Removal of debris
  • Re-writing of business records
  • Seasonal increase in stock
  • Temporary protection 

We can make sure that you have a practical understanding of the specific consequences of our business insurance policies.

We can then discuss how best to tailor those policies to the needs of your business.

This way you can have the peace of mind that comes with knowing that you have the right business property insurance cover in place.

Business Liability Insurance

If you're a business owner, you'll know there is always the possibility that one day something may go wrong.

Where a third party is affected, you might be liable to pay compensation for property damage or personal injury caused by you, your employees or your products.

With business liability insurance, we can help protect you and your business against the financial risk of being found liable under a number of circumstances.

Liability claims can be costly even if you are not at fault, as you may have to pay considerable legal costs.

To provide peace of mind, we can provide your business with cover for both public liability and products liability.

Public liability

Public liability cover protects you and your business if you are found liable for losses or damage suffered by a third party as a result of negligence.

This can include death or injury, loss or damage of property and economic loss.

Products liability

If your business provides goods - including in the form of services - we can cover you for claims which may arise through incidents which happen as a result of them.

This includes goods you manufacture, sell or deliver. Products liability cover can protect you if you are found liable for damage, injury or death which has been caused by your goods.

Additional benefits

Our business liability insurance can cover you for property in your physical control and in your legal control.

The cover can extend to occurrences involving vehicles used as a tool of trade, for instance during loading and unloading.

It can also include cross-liability insurance to protect both parties if they are insured under the same policy.

By consolidating your liability and assets covers into one insurance package, we can ensure your business has the appropriate cover it needs.

Business Interruption Insurance

Comprehensive cover for your business means not only insuring your physical assets, but also making sure you can stay afloat while recovering from a loss-causing event.

With business interruption insurance, we can cover you for any shortfall to your gross profit which you incur following an insured occurrence.

The time to recover

During this period, your business might experience a period of restricted or interrupted operations, resulting in a loss of profit.

The purpose of business interruption insurance is to cover you for this loss of profit until your business regains the financial position it had established prior to the event.

While damaged assets are replaced or repaired, you will then be able to maintain your staff, pay standing debts and cover the increased costs of working required to get things back to normal.

Sufficient protection

There are many circumstances under which your business might suffer interruption. Your local Elders Insurance agent will help ensure that you have sufficient cover to stay in business through such interferences.

These might be occurrences which prevent access to your premises, such as damage to property, bomb threats, and forced closure or evacuation by government authorities.

They could also include damage to other premises which infringe on your ability to do business.

Business interruption insurance can also help you deal with the consequences of damage to the premises of suppliers, customers, repairers, and also to utilities such as electricity power stations, gas suppliers, water services or land based telecommunications installations.

Additional benefits

There are a number of additional benefits of having business interruption insurance.

These can include adjustment for business trends, claims preparation costs, re-writing of records, cover for the additional increased cost of working, and business unit benefits.

Cover can also be extended to government incentives, fines or penalties arising from non-completion or late completion of orders and other costs arising from interruption of trade.

Business Theft Cover

It's not only the cost of stock and contents which needs to be considered in the event of theft. Replacing locks and fitting, damage to your premises and theft of your personal property can be costly. Our business insurance policy can cover more than just the theft of your stock and contents. Additional benefits include:

  • Damage to your business premises
  • Directors', partners' and employees' property
  • Fixtures and fittings, even if they are located outside the building
  • Locks and keys
  • Re-writing of records
  • Theft of contents without forcible or violent entry

Business Glass Cover

Glass breakage within a business can require more than just glass replacement. Stock can be damaged, signwriting may need replacing and alarms may need to be reset. At Elders Insurance cover is provided for breakage and malicious damage of your internal and external glass. However, we can also offer additional benefits to provide you with even greater peace of mind including:

  • Alarm tapes
  • Windows or door frames
  • Sign writing
  • Spoilage of stock
  • Temporary shuttering.

There is also an Optional Benefit to include accidental, malicious or storm damage to signs.

Business Vehicle Insurance

For many businesses, vehicles are critical to ongoing success. Indeed, many Australians treat theirs as a second office.

Business vehicle insurance is vital because it ensures your commercial operations don't suffer in the event of an accident or theft.

In addition to the potential for loss, damage or theft of your vehicles, there is always the risk that one of your vehicles may be involved in a crash with another party for which your driver is at fault.

The cost of replacement, repair or liability to a third party can put a strain on your business, as can having to operate without your vehicle while it is being repaired or replaced.

With our business vehicle insurance policy, you can have the peace of mind to know that your business is covered in the event that something happens to one of your commercial vehicles.

We offer you the flexibility to choose between three types of cover: Comprehensive, Third Party Property Damage including Fire and Theft, and Third Party Property Damage.

In addition, there are many additional benefits to the commercial car insurance cover we can provide for your business vehicles.

For instance, we give you the choice of repairer and a repair guarantee.

We can cover your emergency travelling expenses and the costs of hiring another vehicle after the theft of your own.

If your keys are lost or damaged, or if there are reasonable grounds to suspect they have been copied, we can pay the costs of replacing or recoding them and your locks.

We can also pay for damage to signwriting or fixed advertising materials which form a permanent part of your vehicle at the time of loss or damage, and for trailer cover.

The optional benefits of windscreen damage cover and hire cost following damage to your vehicle are also available.

Range of other covers available

Other covers available under the Business Insurance Policy include:

  • Money
  • General Property to cover your work tools, laptops and the like against accidental damage
  • Personal Accident & Illness to provide you with an income should you get ill or have an accident
  • Machinery Breakdown
  • Goods in Transit
  • Electronic Equipment
  • Dishonesty of Employees
  • Tax Audit.

If you're a landlord, we also offer Landlords Insurance

To fill out a quote request click here.