Excelsior Insurance Services

Excelsior Insurance Services Excelsior Insurance Services is your trusted partner for business insurance & risk services.

We specialise in understanding the unique needs of businesses, offering tailored solutions to safeguard you and your assets.

A pretty special one from the sidelines🏉Being part of the Maitland community means a lot to me, and coaching with Maitla...
27/08/2026

A pretty special one from the sidelines🏉

Being part of the Maitland community means a lot to me, and coaching with Maitland Junior Rugby Union has been one of the most rewarding ways to stay involved.

After back-to-back Grand Final wins with the boys in the U12s and U13s, this year I’m coaching one of the U14 boys teams and I’m very proud to say they’ve made the Grand Final again, with the big game happening this Saturday.

It’s been great watching the boys grow in confidence, develop as a team and enjoy the game along the way.

Proud to keep supporting local sport and to be part of such a strong community, both on and off the field. Wishing the boys all the best for Saturday❤️🖤

Choosing the right insurance adviser is about more than finding a policy, it's about finding a team that takes the time ...
24/08/2026

Choosing the right insurance adviser is about more than finding a policy, it's about finding a team that takes the time to understand your business.

Every business faces different risks, which is why we don't believe in one-size-fits-all insurance solutions. At Excelsior, we work closely with mid-sized businesses, SMEs and corporate clients to provide insurance and risk management advice that's tailored to the way they operate.

From reviewing your risks and identifying potential gaps in cover to helping you navigate claims, our focus is on providing practical advice and ongoing support at every stage of your business journey. Our priority is to help you make informed insurance decisions and give you confidence that your business is protected with cover that's aligned to your needs.

Call 0431 341 108 or send us a DM if you'd like to review your insurance before renewal.

21/08/2026

Insurance can seem straightforward until you need to rely on it. Policy wordings change, exclusions vary and new risks emerge over time, making it difficult to know whether your business is still adequately protected.

This is where professional advice makes a difference! At Excelsior, we take the time to understand your business, explain your cover, stay on top of changes in the insurance market and support you through the claims process. Most importantly, we help ensure your insurance evolves as your business grows.

If you'd like greater confidence in your insurance arrangements, call 0431 341 108 or send us a DM.

When workplace incidents are discussed, the focus is often on customers or members of the public. However, injuries invo...
19/08/2026

When workplace incidents are discussed, the focus is often on customers or members of the public. However, injuries involving employees, or injuries to contractors at your place of work can also have important insurance implications for a business.

Depending on the circumstances, an employee injury may involve workers' compensation and employment practices liability, whereas a worker-to-worker incident may involve workers' compensation, employment practices liability, your own liability insurance, or other insurance considerations. Knowing how your insurance may respond before an incident occurs can help your business manage risk with greater confidence.

Send us a message to review your insurance and ensure your cover is designed to respond to worker-to-worker claims and other workplace risks.

Making an insurance claim doesn't automatically mean your premium will increase, but it is one of several factors insure...
17/08/2026

Making an insurance claim doesn't automatically mean your premium will increase, but it is one of several factors insurers may consider at renewal. The type of claim, its value, frequency and the circumstances surrounding it can all influence how your policy is assessed.

It's also important to remember that premiums can change for other reasons, including rising replacement costs, inflation, changes to your business and broader market conditions.

Understanding what's driving your premium is just as important as understanding your cover. Call 0431 341 108 or send us a DM if you'd like to review your insurance before renewal.

You hope you'll never need your seatbelt, but you wear it every time you drive because the consequences of not having it...
15/08/2026

You hope you'll never need your seatbelt, but you wear it every time you drive because the consequences of not having it can be significant.

Business insurance serves a similar purpose. While no one expects a claim, having the right cover in place can help reduce the financial impact of unexpected events and support your business when it needs it most.

If it's been a while since you've reviewed your insurance, now is a good time to make sure your cover still reflects your business.

13/08/2026

Insurance can seem straightforward until you need to rely on it. Policy wordings change, exclusions vary and new risks emerge over time, making it difficult to know whether your business is still adequately protected.

This is where professional advice makes a difference! At Excelsior, we take the time to understand your business, explain your cover, stay on top of changes in the insurance market and support you through the claims process. Most importantly, we help ensure your insurance evolves as your business grows.

If you'd like greater confidence in your insurance arrangements, call 0431 341 108 or send us a DM.

When people think about business insurance, they often focus on what's covered. It is also important to understand who i...
11/08/2026

When people think about business insurance, they often focus on what's covered. It is also important to understand who is covered and who may have the right to make a claim.

Depending on the type of policy, the insured may include your business, directors, partners or employees. At the same time, the people who can make a claim are often customers, clients or other third parties who have suffered a loss or damage connected to your business.

Understanding this distinction helps you see how your insurance is designed to respond and whether it reflects the way your business operates today. Insurance isn't simply about holding a policy, it's about knowing what it does, who it protects and where your responsibilities begin and end.

If you'd like greater clarity on your current insurance arrangements, call us on 0431 341 108 or send us a DM to review your policies with you and answer your questions.

Property insurance is probably the most common type of cover a business owner has but insuring a building and insuring a...
07/08/2026

Property insurance is probably the most common type of cover a business owner has but insuring a building and insuring a business are two very different things and confusing the two is where many gaps begin to appear.

A commercial property owner's policy will generally cover the physical structure including walls roof and fixed fitout and in some cases contents if they are specifically included and correctly valued. What it often does not automatically include is stock which usually needs to be separately declared business equipment and tools especially portable items used offsite and the income a business loses when it cannot operate during a period of damage or repair. It also does not typically cover the cost of trading from a temporary location which is where Business Interruption insurance becomes critical and is still one of the most underused protections for SMEs.

A properly structured property program can include all of these elements but it needs to be set up with intent rather than assumed. If you are unsure whether your property cover is complete send us a message!

Address

PO Box 3094
Thornton, NSW
2322

Telephone

+61431341108

Website

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