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Commercial Plan

Business owners can select the level of cover they need for their business. Request a Commercial Plan insurance quote today.

Insurance cover you can tailor to suit your business

Commercial Plan has been designed with business needs in mind. As well as being simple and easy to arrange, the plan can be tailored by you to meet your specific business insurance requirements.
  • Personalised service

    Our people are experienced insurance professionals who take the time to listen to what’s important to you and talk to you about your insurance options. That way you can choose the cover that suits your needs.

  • Flexibility to choose your insurance

    Choose from a range of different policies, covering a variety of risks. This approach gives you great flexibility as you can arrange your insurance to meet the needs of your business.

  • Easy payment options

    Paying annual insurance premiums up front is not always convenient. For your convenience, WFI has arranged for Elantis Premium Funding to offer a Premium Instalment Plan to WFI policyholders. Elantis Premium Funding is committed to providing high levels of service in Premium Funding.

Request a quote for Commercial Plan

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Tailor a business insurance package to suit you

From small businesses to large companies, we understand that every business is different, so having options when choosing insurance for your business is important. Commercial Plan includes the following business insurance policies:

  • Business Property Damage

    Business Property Damage

    This policy can insure your business property, including buildings, vehicles and stock, against physical loss and damage directly caused by a number of different events. These events include accident, fire, lightning, earthquake, escape of liquid, damage directly caused by a burglar or thief and vandalism. The following benefits are in addition to the sum insured when you select the Business Property Damage policy:

    • Up to $100,000 for loss or damage caused by accident or the amount shown on your certificate of insurance
    • Up to $5,000 for employees’ tools, equipment and personal effects
    • Up to $10,000 for demolition, clearing debris and temporary repairs
    • Up to $10,000 for architect, surveyor and legal fees
    • Up to $10,000 for costs incurred for extinguishing a fire and replenishing fire fighting equipment
    • Up to $10,000 for restoration of your business records and books of account
    • Up to $25,000 for costs incurred in investigating the cause of damage due to the escape of liquid from a fixed system
    • Up to $5,000 for loss of rent
    • Up to $10,000 for physical loss of or damage to landscaping directly due to specified events
    • 30% automatic increase in your sum insured for stock over the Christmas and Easter periods, plus the flexibility to increase this % or period of cover.

    Included in the sums insured under this policy are additional benefits, such as compensation for reduced floor space, extra costs incurred to comply with requirements of public authorities during rebuilding, and loss or damage to insured property and stock that has been temporarily removed from the business premises. You can also choose to insure book debts, loss or damage to customers' property, mortgage protection for a unit, and cover for tax audit costs.

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    For full details, please refer to the Product Disclosure Statement

    WFI Commercial Plan Product Disclosure Statement (pdf, 5.5 MB)
  • Business Interruption

    Business Interruption

    This policy insures you against loss of gross profit due to a reduction in turnover as a consequence of interruption to your business. The Business Interruption policy can also insure against damage to property stored at a commercial storage site, prevention of access to your business premises and damage to your suppliers' or customers' premises in Australia.

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    For full details, please refer to the Product Disclosure Statement

    WFI Commercial Plan Product Disclosure Statement (pdf, 5.5 MB)
  • General Property

    General Property

    For those items of equipment that are not always located at your business premises, WFI Commercial Plan offers a General Property policy. This policy provides insurance for accidental loss of, accidental damage to and theft of nominated items, such as general property or stock, occurring worldwide.

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    For full details, please refer to the Product Disclosure Statement

    WFI Commercial Plan Product Disclosure Statement (pdf, 5.5 MB)
  • Machinery Breakdown

    Machinery Breakdown

    This policy within WFI Commercial Plan insures you for the breakdown of machines and the explosion or collapse of boilers, economisers or pressure vessels that you choose to insure. This can include electronic scales, cash registers and microwave ovens. You can also choose to insure for deterioration of stock and customers' goods in a cold storage compartment. 30% automatic increase in your sum insured for stock over the Christmas and Easter periods, plus the flexibility to increase this % or period of cover.

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    For full details, please refer to the Product Disclosure Statement

    WFI Commercial Plan Product Disclosure Statement (pdf, 5.5 MB)
  • Electronic Equipment

    Electronic Equipment

    You can choose three different types of insurance under this policy:

    Accidental damage to or theft of electronic equipment

    In the event of accidental damage to, or theft of, electronic equipment you choose to insure, we will pay the lesser of the reasonable cost of repairs, what it would cost to buy a new item of a similar make or model or the sum insured.

    Increased costs of working

    This section of the policy insures you against increased costs of working as a direct consequence of an interruption to the normal operation of a computer you choose to insure where this is directly caused by accidental damage or theft.

    Loss or damage to electronic data processing media and information

    We can also insure you against physical loss of or physical damage to electronic data processing media and information installed on a computer that you choose to insure.

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    For full details, please refer to the Product Disclosure Statement

    WFI Commercial Plan Product Disclosure Statement (pdf, 5.5 MB)
  • Glass Breakage

    Glass Breakage

    With this policy you can select from three different types of insurance cover:

    • Fixed glass forming part of a building
    • Fixed glass forming part of contents
    • Fixed glass forming part of both building and contents

    This policy can insure items such as glass in windows and furniture, as well as toilet bowls, cisterns, sinks, wash basins and fixed bath tubs. We will repair or replace the broken glass to its original condition or pay you the reasonable cost to do so. Plus, this policy offers up to $5,000 or the amount shown on your certificate of insurance each for Damaged signs and the following if caused by breakage: temporary shuttering, replacement of stock, the repair and replacement of signwriting or window frames and the removal and replacement of fixtures and fittings.

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    For full details, please refer to the Product Disclosure Statement

    WFI Commercial Plan Product Disclosure Statement (pdf, 5.5 MB)
  • Employee Theft

    Employee Theft

    This policy insures you against theft by an employee of cash, negotiable instruments or goods belonging to the business. As an additional benefit, if you satisfy us that you have a claim, we pay up to $5,000 towards the reasonable costs charged by your accountant to prepare the claim.

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    For full details, please refer to the Product Disclosure Statement

    WFI Commercial Plan Product Disclosure Statement (pdf, 5.5 MB)
  • Burglary and Theft

    Burglary and Theft

    This policy provides you with insurance against the physical loss of or physical damage to stock and other property shown on the Certificate of Insurance directly caused by either burglary or theft. In addition to the sum insured, we pay up to $5,000 for the temporary boarding up or safeguarding of your property, the cost of repairing damage to your premises directly caused by the burglary and the replacement of keys and locks. There is also a 30% automatic increase in your sum insured for stock over the Christmas and Easter periods, plus the flexibility to increase this % or period of cover.

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    For full details, please refer to the Product Disclosure Statement

    WFI Commercial Plan Product Disclosure Statement (pdf, 5.5 MB)
  • Money

    Money

    With WFI Money policy, you can choose to insure against the loss or destruction of money, including whilst on the premises (during business hours and or outside business hours), contained in a securly locked safe, in transit and at your home. You can also insure for the loss of or damage to a safe or strongroom at the business premises. There is also a 30% automatic increase in your sum insured for stock over the Christmas and Easter periods, 50% for public or bank holidays plus the flexibility to increase this % or period of cover.

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    For full details, please refer to the Product Disclosure Statement

    WFI Commercial Plan Product Disclosure Statement (pdf, 5.5 MB)
  • Motor Vehicle

    Motor Vehicle

    WFI has the flexibility to cover all your motor vehicle insurance needs under the one plan, from a private car, ute or van right up to a prime mover or fork lift. These can be individually insured or combined under a motor fleet policy.

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    For full details, please refer to the Product Disclosure Statement

    WFI Commercial Plan Product Disclosure Statement (pdf, 5.5 MB)
  • Classic Home

    Classic Home

    WFI also provides insurance cover for home and contents, including cover for accidental damage. Read more about our home insurance.

    If you choose to insure your house and contents under this plan, flood insurance is included unless you choose to opt-out.

    Key fact sheets for our Classic Home and Standard home policies can be found in the important documents section below.

    Being underinsured is a big problem in Australia. You can use WFI's home building and contents calculators available on our website to get an estimate of how much cover you may need.

    Request a Quote

    For full details, please refer to the Product Disclosure Statement

    WFI Commercial Plan Product Disclosure Statement (pdf, 5.5 MB)
  • Standard Home

    Standard Home

    WFI also provides insurance cover for home and contents. Read more about our home insurance.

    If you choose to insure your house and contents under this plan, flood insurance is included unless you choose to opt-out.

    Key fact sheets for our Classic Home and Standard home policies can be found in the important documents section below.

    Being underinsured is a big problem in Australia. You can use WFI's home building and contents calculators available on our website to get an estimate of how much cover you may need.

    Request a Quote

    For full details, please refer to the Product Disclosure Statement

    WFI Commercial Plan Product Disclosure Statement (pdf, 5.5 MB)
  • Personal Valuables

    Personal Valuables

    WFI also provides insurance cover for personal valuables Australia wide and elsewhere in the world (but only for 90 days for any one trip). Read more about our personal valuables insurance.

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    For full details, please refer to the Product Disclosure Statement

    WFI Commercial Plan Product Disclosure Statement (pdf, 5.5 MB)
  • Domestic Workers (WA Only)

    Domestic Workers (WA Only)

    WFI holds a Workers' Compensation insurance licence in Western Australia. WFI Commercial Plan clients in WA can therefore select a Domestic Workers policy, which insures you against your legal liability to pay workers' compensation benefits and common law damages for negligence for an injury that occurs to a domestic worker during the period of insurance.

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    For full details, please refer to the Product Disclosure Statement

    WFI Commercial Plan Product Disclosure Statement (pdf, 5.5 MB)
  • Pleasure Boat

    Pleasure Boat

    WFI also provides accidental damage to and theft of your boat including legal liability you may incur in using your pleasure boat. Read more about our boat insurance.

    Request a Quote

    For full details, please refer to the Product Disclosure Statement

    WFI Commercial Plan Product Disclosure Statement (pdf, 5.5 MB)
  • Personal Accident and Illness

    Personal Accident and Illness

    WFI can provide insurance for Personal Accident and Illness or Personal Accident only. Cover can be arrange for 24 hours or leisure hours only. There is a choice of indemnity periods, either 52 or 104 weeks, plus with flexible waiting periods.

    Request a Quote

    For full details, please refer to the Product Disclosure Statement

    WFI Commercial Plan Product Disclosure Statement (pdf, 5.5 MB)

Product Details

Important Information

The information provided above is intended as a summary only and is subject to the terms & conditions of the policy. For full details of the cover, conditions and exclusions relating to WFI’s business insurance please refer to the WFI Commercial Plan Product Disclosure Statement (PDS).

If you are an existing policyholder, a previous version of the PDS may apply to your policy. Please contact WFI on 1300 934 934 for assistance.

Key Fact Sheets for home policies

Our Key Facts Sheets set out some of the events/risks covered and not covered by our home and content policies. These sheets do not provide a complete statement of the cover offered, exclusions, conditions and limits that apply under the policies. You should carefully read the PDS for more details.

Why choose WFI?
Over 90 years' experience
Leading business insurer
Deal direct, from enquiry to claim
170 Area Managers across Australia
Tailor an insurance package to suit you

Request a quote for Commercial Insurance

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