Macedon Ranges Insurance

Macedon Ranges Insurance Your local general insurance professionals servicing the Macedon Ranges and beyond

This is a well overdue introduction for my friend and fellow boss lady Alex Taylor 😎 Alex started with us back in Feb 20...
27/04/2026

This is a well overdue introduction for my friend and fellow boss lady Alex Taylor 😎 Alex started with us back in Feb 2025 to assist with our growing portfolio of SME clients, and is now working with us three days a week alongside her own business which supplies stunning native plants to landscapers and nurseries across Australia 🌿

Alex has been an incredible asset this past 14 months, ensuring that we can continue to provide a high level of service to our existing SME clients despite our continued grow. And while she won't be with us forever, for now we are soaking up her 15+ years of knowledge and ensuring our clients and fellow staff members benefit from her expertise.

Could your business keep operating if your key machinery was suddenly out of action? Downtime Cover is a low-cost add-on...
22/04/2026

Could your business keep operating if your key machinery was suddenly out of action?

Downtime Cover is a low-cost add-on available with most Mobile Plant policies as well as some Heavy Motor products.

This benefit can cover the cost of hiring replacement equipment if yours has suffered damage that's covered by the policy, so you can stay on the job and avoid project delays while your machine or vehicle is in for repairs.

If this sounds like something that could benefit your business make sure you reach out to our team for an insurance review.

One of my new year's resolutions this year was to 'be more like Georgie' when it comes to fighting for the outcomes we w...
17/04/2026

One of my new year's resolutions this year was to 'be more like Georgie' when it comes to fighting for the outcomes we want for our clients.

I usually get my way on facts and policy wordings/definitions, but when an underwriter is dragging their heels or a claim is taking too long - trust me when I say that you want Georgie in your corner because she will get on the phone every single day if she has to in order to get the outcome you deserve.

I'm not sure how we've been working together for 8 years now when we're both still in our 20s... that's so weird 🤔

But truly, I'm so glad that I get to share the crown of 'Farm Queen' with this legend who leads our Hobby Farm Team! 👑

(just kidding - only one of us is still in our 20s haha)

Do you own or lease Commercial Property?Rates have been dropping for Commercial Property Owner risks and we've been pick...
06/04/2026

Do you own or lease Commercial Property?

Rates have been dropping for Commercial Property Owner risks and we've been picking up quite a few new policies, making a huge difference to our local businesses owners during these difficult times.

Recent success stories:
• $1,500 premium reduction without any reductions to sums insured
• Sums insured increased by $790,000 at the same premium as last year!
• Transferred an existing client to a new policy getting their renewal increase down from $845 to $365

If your current broker or agent is just rolling you over every year without presenting alternative options it could be worth a look, and it could be as simple as emailing us your current renewal paperwork: [email protected]

Happy Easter! We hope you have a beautiful long weekend with your family and friends ❤ we'll be staying close to home, g...
04/04/2026

Happy Easter! We hope you have a beautiful long weekend with your family and friends ❤ we'll be staying close to home, getting stuck in to the garden and watching the kids gorge themselves on chocolate 🐣

I can't believe this was 6 years ago when I only had one little sassy pants bossing me around...

Have you heard of Finance Gap Cover?Imagine writing off your car and finding out there’s a whopping $7,773 difference be...
01/04/2026

Have you heard of Finance Gap Cover?

Imagine writing off your car and finding out there’s a whopping $7,773 difference between the total loss payout and your loan balance!

That's what happened to this poor policyholder: https://www.insurancenews.com.au/daily/claimant-fails-to-close-gap-after-financed-car-trashed

Finance Gap Cover isn't common place in Private Motor products, but it is a feature with most of the Commercial Motor policies we offer. So while your car is under finance – especially if you’ve taken a Balloon Payment option – it might be worth looking for a policy that has this type of cover available.

I love this shot that the beautiful included from our recent head shot day! 💞 It's the perfect depiction of how we acti...
29/03/2026

I love this shot that the beautiful included from our recent head shot day! 💞 It's the perfect depiction of how we actively support each other to be the best we can be.

👑 It’s a slight tweak to how an email is phrased.
👑 It's advice on how to approach a complex risk rather than taking over.
👑 It's reaching out to give praise on a job well done.
👑 And when mistakes are made, it's 'how can I support you better?' or 'what additional training can we do to prevent this from happening in future?' rather than criticism, blame or aggression.

Because we're stronger when we build each other up 💪

And at the end of the day… we’re all just doing our best.

Tips for engaging Sub-contractors Do you use sub-contractors in your business? If so it’s really important to notify you...
22/03/2026

Tips for engaging Sub-contractors

Do you use sub-contractors in your business? If so it’s really important to notify your insurer in case it impacts your cover. Depending on your occupation and sub-contractor payments, insurers are increasing premiums, setting Worker to Worker excesses as high as $25,000; and even excluding personal injury claims for subbies entirely! Which could be a really big deal if they had an injury while doing work for you.

Things to keep in mind when using sub-contractors:
🔨 They are not covered by your insurance – but you should be covered for their work
🔨 Check for any exclusions or endorsements imposing restrictions or additional excesses on worker to worker claims
🔨 Keep records of your sub-contractor COCs to ensure you’re not left footing the bill for someone else’s work
🔨 It's also to keep thorough documentation of who worked when and where, well-kept records can protect you against fraudulent or mistaken allegations which can sometimes come out of the blue years down the line
🔨 And whenever possible, limiting the use of sub-contractors will help to reduce your risk.

These tips are general only and should not be used as a replacement for tailored personal advice – which you can get if you contact the team at Macedon Ranges Insurance!

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Wait, you do what for your staff?? ❤️ In recognition of International Women's Day last week, I wanted to highlight three...
16/03/2026

Wait, you do what for your staff?? ❤️ In recognition of International Women's Day last week, I wanted to highlight three of our company policies that are an investment in the women who work for us.

1⃣ We pay 15% Superannuation in recognition of the time taken out of the workplace to raise our babies. It's a small additional cost to our bottom line, for a massive impact to our staff come retirement.

2⃣ We offer a Full Time Salary for a 9 day Fortnight. The weekend should be for rest and family time, not catching up on housework or doing the grocery shopping. Without the stress and overwhelm from constantly feeling behind on life, we can be much more productive at work with less annual leave and personal leave days.

3⃣ Staff can work from home around their kids if they need to. So long as the work is being done, I don't care if you have Bluey running in the background and your 30min lunch break is taken as 6 x 5min breaks to be a snack machine. I have always let my staff set their own rules around this, using childcare when they can, but having kids at home when they're sick or on school holidays.

Raising a family should not get in the way of having a rewarding career, and when you empower your staff to have the best of the both worlds, everyone wins! 🏆

Tips for a successful Theft claimTheft claims can be unpredictable — I once had a theft claim for a client where several...
16/03/2026

Tips for a successful Theft claim

Theft claims can be unpredictable — I once had a theft claim for a client where several pieces of jewellery were taken, along with their favourite hair dryer!

So if it's a relatively small loss that will be cash settled, we recommend taking a little extra time to make sure you're not missing any unexpected items.

You’ll need proof of ownership which can including receipts, photos, or even service records. And if you can’t find the paperwork? Still include the missing item along with quotes or the invoice for the replacement. It doesn’t matter if the item was a gift or purchased second hand, you should be entitled to claim on a new for old basis for theft claims. If there are more than a few items, using a spreadsheet can make the process simpler and help you get what you’re owed.

We get the best results for our clients when theft claims are presented to the insurer with a nice little excel spreadsheet along with the corresponding proof of ownership evidence, replacement quotes and the police report number.

When we put in this extra work, we find that claims are settled in a few days rather than going back and forth for weeks chasing documentation.

Introducing 💫 Erin Palla | Broking Support Manager Erin joined us in January straight after the fires hit and has alrea...
02/03/2026

Introducing 💫 Erin Palla | Broking Support Manager

Erin joined us in January straight after the fires hit and has already become an invaluable member of the team, it’s only been a few weeks but I’m not quite sure how I survived without her 😆

It’s hard to duplicate yourself as a business owner, but Erin comes pretty close when it comes to managing the internal compliance and oversight tasks that need to be done in a professional services business.

As our business continues to grow, Erin will play a key role in staff training ensuring that we’re maintaining the high level of customer service that we are known for throughout the Macedon Ranges and beyond.

Welcome Ez! 💞

It’s been a very busy couple of weeks dealing with the aftermath of the recent bushfires, but what you might not realise...
23/01/2026

It’s been a very busy couple of weeks dealing with the aftermath of the recent bushfires, but what you might not realise now that the media storm has died down, is that the fires have not stopped, and the danger is still very present with new spotfires starting up from embers and falling trees. Even in boggy green grass!

Just on my parent’s property alone they’ve had to get the fire trailer out almost every single day for two weeks straight.

And our incredible volunteer firefighters are still turning out day after day, sacrificing time with their families and time in their businesses and jobs to protect our local communities.

So as we head into this scorcher of a long weekend, please remain vigilant, don’t put yourself or others at risk, and think of those still on the fireground who have not had a break and probably won’t be able to completely relax until March.

Massive thanks to the crews who are still on strike teams across the state 🚒 and those who will be on standby this weekend.

You are all bloody legends.

Address

20 High Street
Kyneton, VIC
3444

Opening Hours

Monday 9am - 2pm
Tuesday 9am - 5pm
Wednesday 9am - 4pm
Thursday 9am - 5pm
Friday 9am - 2pm

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