Ardent Insurance Solutions
Retail Drinks Australia

RDA Members' Insurance Program

Physical Damage & Liability — Exclusively for RDA Members

Ardent Insurance Solutions, in partnership with Retail Drinks Australia (RDA), offers tailored Physical Damage and Liability insurance exclusively to financial RDA members. This program has been designed specifically for liquor retailers, providing cover that reflects the unique risks of your industry.

To obtain an indicative premium, complete each step below with your contact details, situation and location information, and disclosure responses. Your submission will be reviewed by the Ardent team, who will be in touch to confirm your premium and arrange cover. Please note that membership status will be verified with RDA prior to any policy being issued.

If you have any questions or require assistance completing this form, please contact Ardent Insurance Solutions on 02 8350 9999.

Important: To bind cover, you must click Submit Quote Request on the final step. If you do not submit, we will not be made aware of your intention to proceed — and it is possible that your cover will lapse or not be placed as a result.

  1. 1
    Your Details
  2. 2
    Situations
  3. 3
    Disclosure Questions
  4. 4
    Review & Submit

Step 1 of 4: Your Details

Your Details

At least one of phone or mobile is required.

11 digits

Online Operations*

Does this member exclusively operate online (i.e. no physical retail stores or warehouse locations open to customers or staff)?

What's Included — Key Program Benefits

Additional sub-limits automatically included under the Physical Damage section

Debris Removal / Demolition Costs$500,000
Acquired Companies$2,000,000
Acquired Property$2,000,000
Clearing of Blocked Drains, Pipes, Filters & Pumps$250,000
Spoilage of Goods in Cold Storage$25,000

Any one loss and in the aggregate. $1,500 excess.

Machinery Breakdown (Physical Damage & Expediting Costs)$25,000

Conditional on a formal third-party preventative maintenance programme carried out at six-monthly intervals. $1,500 excess.

Claims Preparation Costs$100,000

Applies where Business Interruption is insured.

Additional Increased Cost of Working$250,000

Applies where Business Interruption is insured.

Employee Fraud or Dishonesty$50,000

Any one loss and in the aggregate. $5,000 excess.

Theft / Attempted Theft of Property (excl. money)$100,000
Theft of Property in the Open Air (excl. money)$50,000
Theft / Attempted Theft of Cigarettes$25,000
Money — 24 hour cover at all situations$25,000
Seasonal Increase — Burglary & Theft of Money+50% sub-limit

Applied automatically during: 1 Dec – 7 Jan, one week either side of Good Friday & Easter Monday, race meeting days (Melbourne Cup, The Everest & others), and all other public holidays.

Optional — if you choose it

Goods in TransitStock or contents in transit between locations or to customers. Adds a flat $200 base premium plus government charges — charged once for the policy, however many situations select it.$25,000
FloodNot included as standard. Where you request it, the sub-limit and any additional premium are agreed with the insurer before cover is confirmed.On request

A summary only. The sub-limits, excesses and conditions in your policy schedule and Summary of Terms are what apply.

Step 1 of 4: Your Details

Ardent Insurance Solutions Pty Ltd | ABN 30 113 527 496 | CAR 001276026 is a
Corporate Authorised Representative of Ardent Risk Management Group Pty Ltd | ABN 93 667 752 061 | AFSL 550275