Insurance – Nobody wants it, but everybody needs it.

Don’t risk being underinsured or paying for cover you don’t need.

Navigating the complexities of your business, property and personal insurance takes the expertise of a qualified and experienced professional. We are part of Australia’s largest general insurance broker network, Community Broker Network, and a member of Steadfast, which allows us to access the best insurers in the market and ensures we achieve excellent outcomes for our clients.

At Spencer and Bennett, we will review your existing insurance policies and find appropriate products to protect you when you need it most. We offer a range of covers and competitive premiums to protect your domestic, commercial, and small or large-scale rural assets.

Meet our team…

Renae Testoni

AR# 1281089
Dip. Insurance Broking

With over 13 years in the Insurance industry, Renae brings a wealth of knowledge and experience as the team leader of the Spencer & Bennett Insurance Division.

Working alongside you, Renae will ensure you have the right insurance cover to protect you, your business, and your assets when disaster strikes.

Renae has formed strong relationships throughout her career and understands the local community and industries, as well as the challenges your business might face in the Riverina.

Renae operates out of the Spencer & Bennett – Yenda Producers site at 577 Kidman Way, Tharbogang

Contact Renae Testoni

0437 731 381

Sharon Power

AR#1280688

Sharon is new to the role of Insurance Broker, commencing with Spencer and Bennett in October 2019.

Sharon has many years of experience within the Finance Industry and is committed to assisting you to evaluate risks and sourcing the right cover to meet your specific needs.

As a Steadfast Broker, Sharon will be working for you creating a solid link between your business operations and your insurance needs.

Sharon operates out of the Spencer & Bennett – Yenda Producers site at 577 Kidman Way, Tharbogang

Contact Sharon Power

0409 719 602

Rural Insurance

Often, family-run farming operations have been passed down across generations and at Spencer & Bennett we understand how important the farm is as a business but also as a family legacy.

> Farm Property

Our insurance brokers can help keep your family legacy protected with cover for your family home, farm buildings, above ground improvements and rented homes.

> Farm Motor Vehicle, Machinery and Implements

Have you reviewed your Farm Motor Insurance recently? If not, you may be paying too much for cover you don’t need. For example, you may have taken out Comprehensive Cover on vehicles and equipment, where Fire, Theft and Third Party Property Damage may be sufficient. Our brokers can help you navigate different levels of cover to make informed decisions about what you and your farming business actually need.

> Livestock

Have you just spent a small fortune on breeding stock for your herd? Newly purchased Rams or Bulls from sales and auctions are not necessarily covered by regular transit insurance. Furthermore, your latest stud additions could be susceptible to ill-health or injure themselves making them unable to reproduce. Our insurance team can provide appropriate cover for your sheep and cattle, with cover options that include Mortality, Loss of Use Due to Accident and Loss of Use Due to Illness or Accident.

> Crop Insurance

We know that the success of your crop plantings equates to money in the bank. Sometimes, Mother Nature has other plans and our brokers are here to help you find the appropriate cover for your enterprise. Options available include Hail and Fire Cover, Frost Cover and Multi-Peril Cover amongst others, but we will find the best-suited option for your cropping enterprise. We work with you to provide products for:

Winter Crops
Summer Crops
Cotton
Wine Grapes

> Public Liability

As a land-owner, our team can help keep you protected with public liability insurance options.

Domestic Insurance

Building Construction – Commercial or Domestic Dwellings during the construction period
Home & Contents – Your Home, Sheds, Solar Systems and Contents
Motor Vehicle – Cars, Utilities, Motor Cycles, trailers
Personal Accident & Illness – Directors, Personal, domestic or overseas
Landlord – Rental Homes, Units and Flats
Residential Strata and Body Corporate
Pleasure Craft – Speed Boats, Tinnies, Hulls, Trailers and Motors
Caravan/RV – Motor Homes, Caravans, 5th Wheelers and Campervans

Business Insurance

Machinery / Equipment – Business Plant & Machinery, Heavy Equipment
Commercial Motor – Fleet Insurance, Business vehicles
Industrial Special Risk – Larger Businesses, Buildings, Stock, Plant and Machinery, plus trading income
Public Liability – Public & Products, Business, Medical Practices, Associations, Events and many more
Professional Indemnity – Covering Professional Advice and Design Work
Tradies & Contractors – Plumbers, Motor Repairers, Electricians, Spray contracting, Pest Extermination, Earthworks, Cabling
Strata – Commercial, Body Corporate
Management Liability – Directors & Officers
Marine / Transit – Goods and products transported around Australia or Overseas