All business insurance

Plan ahead with our range of business insurance options.

Small Business Insurance

  • What is Small business insurance?
    Small business insurance protects you from legal claims against your business. You are covered in case of damage, accidents, misconduct, theft and more.*
  • Who is it for?
    If you're an owner of any kind of small business, you can choose from a wide range of insurance policies.
  • What is covered?
    Insurance typically covers property damage, public liabilty, glass, theft, vehicles and more.

Agri-business

  • What is agri-business insurance?
    Agri-business insurance is insurance designed specifically for the exposures inherent with farming. Our agri-business insurance offers a wide range of risk protection solutions and allows you to tailor a package to suit the individual needs of your farm.
  • Who is it for?
    From hobby farmers to large commercial farming operations, our agri-business insurance provides peace of mind that what you’re working hard for is covered should the unexpected occur.
  • What is covered?
    We understand that every farm is different. Our farm and agri-business policies offer a comprehensive range of covers and include protection for farm property, farm machinery, legal liability, livestock, transit and crop packages (including multi-peril options).

Tailored Business Insurance

  • What is Tailored business insurance?
    Tailored business insurance is customised for your business, giving you a selection of insurance solutions for your business and industry.
  • Who is it for?
    Businesses of any size can take advantage of tailored business insurance to create a customised insurance policy.
  • What is covered?
    Tailored business insurance policies can include all of your risks tailored to your individual insurance needs.

Great reasons to choose us

  • You can speak with an insurance specialist
  • Your insurance needs are managed on your behalf
  • Access to a range of comprehensive insurance solutions

Small Business Insurance

Small business insurance is your best defence against costly personal injury or property claims.

What you're covered for

If you work with clients or customers in either your or their home or business, or manufacture products, small business insurance covers you for a variety of potential claims against you.

  • Public liability covers the legal costs incurred in the defence or settlement of a public liability claim.
  • Damage to property covers the cost of physical loss, destruction or dame to property.
  • If there's a workplace accident, injury to a third party covers the cost of injuries to customers, visitors or employees, as well as first aid expenses at the time of an incident.
  • Even when others are acting on your behalf when an incident occurs, you are still covered.

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Great reasons to choose us

  • Immediate cover - it's easy to get started
  • Pay by the month option with no additional charge
  • Flexible cover - only pay for the cover you need

Agri-business

We have a strong and proud regional and rural focus and offer a range of specialist agri-business insurance solutions. We utilise a range of insurers, directly and via our partners, to ensure we can deliver the right solution for your needs.

Farm Property

We can cover farm structures including homesteads, sheds and farm contents for fire, theft and accidental damage options.

Farm machinery

We can cover against accidental damage, fire and theft (optional) for farm machinery.
Comprehensive options also available for significant items.

Farm Legal Liability

We can cover you against legal liability to pay compensation for personal injury or damage to third party property in connection with your farm business.

Crop packages

We can cover against a reduction in yield of your insured crop which is damaged directly caused by perils such as fire, hail, chemical overspray, damage by livestock (frost option on some crop varieties e.g. grapes).
Multi-peril options are also available for most broad acre varieties in selected regions.

WFI referrals

In addition to our in-house broking capability, the Bank also has a strategic referral partnership with WFI, a specialist IAG brand, to extend our commercial (business and agri-business) insurance product distribution.
The WFI partnership provides access to a national distribution network with face-to-face capability.

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Great reasons to choose us

  • You can speak with an insurance specialist
  • Access to a range of comprehensive insurance solutions where all your needs can be met
  • Insurance needs are managed on your behalf

Tailored Business Insurance

A customised business insurance gives you and your business the cover you need.

Solutions to meet your business needs

Chat to us and we'll help build you an insurance policy tailored for your business needs. We'll help you select the right level of cover and make it easy to submit a claim should an incident take place.

  • Assistance with selecting and arranging appropriately tailored and competitively priced insurance policies and packages.
  • Detailed technical expertise including knowledge of terms and conditions, benefits and pitfalls of the wide range of insurance products on the market.
  • Assistance in interpreting, arranging and completing insurance documentation.
  • Experience in predicting, managing and reducing risks.
  • For larger corporations, assistance and advice on alternative risk transfer options.
  • Assistance with claims negotiation and resolution.
We understand that every business is different and through our partnerships with leading insurers we can provide you with tailored insurance options to meet your needs.

Great reasons to choose us

  • You can speak with an insurance specialist
  • Access to a range of comprehensive insurance solutions where all your needs can be met
  • Insurance needs are managed on your behalf

Professional Indemnity

Professional Indemnity insurance provides you and your business with protection against claims for financial loss personal injury or property damage arising from an act error or omission, in the performance of professional services.

What you are covered for

If you're in any kind of profession that gives advice ore provides a service, for example advertising agencies, management consultants or consulting engineers, professional indemnity is a necessity.

  • Civil liabilities protection covers you for claims of breach of duty, defamation, loss or damage to documents, infringement of intellectual property and more.
  • Injury and property damage provides cover for bodily injury and property damage claims arising from the professional services covered by the policy.
  • Your policy may cover the cost of a public relations consultant to help mitigate reputational damage following a claim against your business.
  • Your claim investigation costs, including investigating, defending and settling claims made against you are also covered.

Great reasons to choose us

  • Immediate cover - it's easy to get started
  • Pay by the month option with no additional charge
  • Flexible cover - only pay for the cover you need

Additional information:

Insurance products are issued by Insurance Australia Limited ABN 11 000 016 722 trading as CGU Insurance and WFI and in arranging insurance policies the Bank acts under its own AFSL and an agreement with the insurer. Insurance products may also be arranged by Community Insurance Solutions Pty Ltd ABN 32 151 328 148, a wholly owned subsidiary of the Bank and a Corporate Authorised Representative (No. 458332) of Community Broker Network Pty Ltd ABN 60 096 916 184 AFSL 233750.

Bendigo and Adelaide Bank Limited ABN 11 068 048 178 AFSL/Australian Credit Licence 237879.