Business Insurance

When it comes to insurance most business people want on the spot local service, policies to suit their local business needs and competitive premiums.  And that's exactly what Elders Insurance delivers.

So if you need cover for Business Property, Business Interruption, Liability, Theft, Glass or Business Vehicle we invite you to call your local Elders Insurance Agent - local insurance for over 100 years.

Keeping it simple

With Elders Insurance you can roll all your business insurance into one package, with one renewal notice and one expiry date, with the option to pay annually or by the month for no extra charge (on most policies).

Local Claims

If you ever have to make a claim, your local Elders Insurance Agent will work fast to help you and make sure your claim is handled fairly and without delay. Best of all, in many cases your claim can be handled locally.

Business Property Cover

We offer the choice of cover for Defined Events or Accidental Damage to your buildings and contents. Cover is also provided for the following:

• Capital additions to your buildings 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.

Business Liability Cover

To provide peace of mind we can cover both your public liability and products liability. This covers your legal liability to pay compensation for property damage or personal injury caused by you, your employees or your products.

Additional Benefits include:

• Property in your physical and legal control
• Vehicles used as a tool of trade
• Vehicles loading or unloading
• Cross liability

Business Interruption Cover

To help keep you in business following a specified occurrence, we can also cover the shortfall to your gross profit resulting from:

• An occurrence at your premises
• An occurrence in the vicinity of your premises that hinders access to your premises
• Interruption of services from public utilities
• Interruption at your suppliers or customers premises
• Closure by government authorities.

Additional Benefits include:

• Adjustment for business trends
• Claims preparation costs
• Re-writing of records
• Additional increased cost of working
• Business unit benefits.

Business Theft Cover

We can cover theft of your stock and contents including the following Additional Benefits:

• 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

Cover is provided for breakage and malicious damage of your internal and external glass.

Additional Benefits include:

• 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 Cover

We offer cover for your business vehicles which includes the following Additional Benefits:

• Choice of repairer
• Repair guarantee
• Emergency travelling expenses
• Hire costs following theft of your vehicle
• Locks and keys
• Removal of debris following an accident
• Returning your vehicle after theft, loss or damage
• Signage
• Towing costs
• Trailer cover.

You can also choose the following Optional Benefits:

• Windscreen
• Hire cost following damage to your vehicle.

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 if you should 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

 

Or call us to talk today on: 13Local (13 56 22)
 

---

Business Insurance Product Disclosure Statement & Policy

Elders Insurance Limited is the issuer of these insurance products. Please check the Product Disclosure Statements available from your local Elders Insurance representative or Elders Insurance to determine if the insurance is suitable for your needs. Elders Insurance Limited AFSL 237756, Elders Insurance (Underwriting Agency) Pty Limited, Head Office: 27 Currie Street, Adelaide SA 5000