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 Authorised Representative 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 Interruption Cover
To help keep you in business following an insured 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 Liability Cover
To provide peace of mind we can cover both your public 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 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.
Business Insurance Product Disclosure Statement & Policy
Elders Insurance Limited issue these insurance products. Product Disclosure Statements for the products are available from Elders Insurance Limited and Elders Limited. You should consider the Product Disclosure Statements in deciding whether to acquire, or to continue to hold, the products. Elders Insurance Limited AFSL 237756, Elders Limited AFSL 237757, Head Office: 27 Currie Street, Adelaide SA 5000.
