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Looking for business insurance
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Business insurance

It’s your business. So whether you’re doing it all yourself or with a team, we’ll find business cover that’s the perfect fit. With Elders Insurance, you’ll always speak with a local agent who gets to know you and your business.

Please check if the terms in the PDS are suitable for you. 

Want to find a cover that's right for you?

Request a quote

Business property

Whether you work from home, own or lease your premises, we’ll make sure your property is protected – so you can get back to business after loss or damage*.

  • Fire
  • Lightning
  • Wind and water
  • Sprinkler leakage
  • Impact from motor vehicles, animals, trees, falling structures
  • Explosion
  • Earthquake
  • Riots and strikes
  • Vandalism
  • Accidental damage
* Subject to the limits in the PDS Learn more Request a quote

Business liability

When something goes wrong that impacts a third party, we may defend you and/or pay compensation arising out of damage or injury you have caused.

  • Personal injury
  • Property damage
  • Defense costs incurred with our permission
Learn more Request a quote

Business interruption

If you have property damage or loss that is covered under this policy, we’ll help you get back up and running*.

  • Loss of income
  • Increased costs of working
  • Professional fees to prepare your claim
  • Rewriting records
* Subject to the limits in the PDS Learn more Request a quote

Business theft

If something’s stolen, it can cost a lot to replace and repair everything – from contents and stock, to locks and fittings. You can tailor the type of theft cover to suit your needs*.

  • Stock in trade
  • Contents: tools, equipment, furniture, artworks
  • Fixed machinery
  • Your team’s personal items
  • Customer items
  • Fixtures and fittings
* Subject to the limits in the PDS Learn more Request a quote

Business glass

When glass breaks, you may also need to replace signage and stock, reset alarms and install temporary shutters. See how our cover can help*.

  • External glass including windows, walls, doors, showcases and skylights.
  • Internal glass including glass counters, shelving, fixed mirrors, and ceramic toilet pans and hand basins.
  • Damage to signs made from glass, plastic or perspex, including damage caused by vandalism, storm or accident.
* Subject to the limits in the PDS Learn more Request a quote

Business vehicle

If your vehicles are damaged or stolen, we’ll keep you moving – with cover that’s tailored to your business*.

  • Comprehensive: Covers you if your vehicle is lost, damaged or stolen – or someone else’s vehicle is damaged.
  • Third party property damage including fire and theft: Covers you if your vehicle is lost, damaged or stolen as a result of fire, explosion, lightning, theft or attempted theft only.
  • Third party property damage: Cover for damage to someone else’s vehicle.
* Subject to the limits in the PDS Learn more Request a quote

Looking for other cover?

Get protection after money is lost or stolen at your premises, in transit or in the bank.

Also known as boiler and machinery insurance, this covers you when things break down. So you can get back to work sooner.

Having your digital devices lost, damaged or stolen can have a big impact on your operations. Our cover can help reduce your risk and get you back online.

Protect business essentials like your laptop, tools and anything else you need to work.

We all like to believe the best in the people who work for us. But it still pays to protect your business in case someone steals, commits fraud or is otherwise dishonest.

If your business is audited, we’ll cover the fees you need to pay to your accountant.

Stay protected If your business is fined or penalised for something like worker’s compensation or workplace health and safety.

There are a lot of risks when running a business. So it's essential to get cover for claims made against you for wrongful acts.

Request a quote

Frequently asked questions

Requesting a quote
How can I request a quote?

You can request a quote online and your local Elders Insurance agent will contact you to discuss your needs. Or, you can find your local Elders Insurance agent here and call them directly.

How do I make a claim?

Contact your local Elders Insurance agent. They will lodge your claim on your behalf and can manage your claim for you. You can find your local Elders Insurance agent on your Elders Insurance policy documentation. Before you make a claim, please have your policy number ready. You will need to provide information about the incident including details of any other parties involved. If your vehicle has already been towed, please let us know when lodging your claim.

How can I find out about my claim?

Your local Elders Insurance agent or claims officer can help. Please let them know your claim reference number and they will take you through the next steps.

How can I manage my policy?

Please contact your local Elders Insurance agent and they will assist you with any changes you require.

Where do I find my policy number?

You will find your policy number on the top left-hand side of your policy schedule, renewal invitation or endorsement schedule we send you.

Where can I find my agent's contact details?

You will find your local Elders Insurance agents details on the top right-hand side of your policy schedule, renewal invitation or endorsement schedule we send you.

How do I pay or renew my policy?

You can pay annually before or on the due date with cash, cheque, money order, Visa or Mastercard, or BPAY. You can also pay monthly by direct debit via Electronic Funds Transfer (EFT) using your bank account or credit card.

Will my policy renew automatically?

We’ll send you a renewal notice at least 14 days before your renewal date. If you choose to pay your policy by monthly direct debit, it will renew automatically on the date specified in your renewal notice unless you advise us otherwise. If you choose to pay your policy annually, your policy will lapse if it isn’t paid within 45 days. We’ll send you a reminder notice, followed by an expiry notice 14 days after it lapses.

How do I cancel my policy?

Contact your local Elders Insurance agent and they will assist you with your cancellation.

How do I update my personal information?

Contact your local Elders Insurance agent and they will update your details.

Where can I find my Certificate of Insurance?

Contact your local Elders Insurance agent and they can send you a copy

How do I get a copy of my Certificate of Currency?

You can request it online here or call your local Elders Insurance agent for a copy.

Where can I find my PDS?

We send you a PDS when you take out your policy. If your cover changes, we will send you a new PDS when you renew your policy. You can find your PDS online or call your local Elders Insurance agent for a copy.

What insurance policies do I need?

Your local Elders Insurance agent can help you find the right policy for your needs. Call us on 13 56 22 or find your local Elders Insurance agent here.

How do I find out what my policy covers?

Please refer to your PDS and policy wording. One will be sent to you when you take out your policy. It covers the terms, conditions and exclusions that apply. If you have any questions regarding your cover, please call your local Elders Insurance agent.

Can I receive my policy documentation via email?

Yes. Please let your local Elders Insurance agent know this is your preference and they will update your policy to send all future documentation to your email.

Does it cost more to pay monthly?

No, there are no extra fees or charges when you pay by monthly instalments.

Can I pay a higher excess to reduce my premium?

Yes. Please call your local Elders Insurance agent to discuss.

Is there a fee or surcharge for credit card payments?

We don’t charge any fees or a surcharge to pay by Visa or Mastercard.

You can elect to receive your insurance policy documents by email, no need to wait for the post to arrive, receive your policy documents straight to you inbox. Should you wish to receive your insurance policy documents via email please, simply fill out your details and submit a request to go paperless. Click here to submit.

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Can't find the insurance that fits your needs? Our local agents are here to help you. We can tailor a quote to suit.

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