Business Insurance Broker Brisbane

Looking for an experienced and proactive business insurance broker in Brisbane? We’re here to help. As a fully licensed AFSL insurance brokerage, we help medium-to-large-sized companies solve their insurance challenges. Call us on 1300 400 707 or fill in the form to speak to an experienced insurance specialist.

Crucial Insurance is a multi-award winning business insurance broker

niba-business-insurance-broker-award-2021
business insurance broker-niba award
2020 top insurance broker medal given by Advisr
QLD 2020 top insurance broker medal
2020 top insurance broker rated by customers award medal
2020 top specialist insurance broker
2020 top thought leader medal from Advisr

In a cluttered market, insurance can be confusing. How do you know which insurance policies being marketed to you have your best interests at heart? Whether you need business insurance or think you’re paying too much for it, we’re at your service.


We help medium-large-sized Brisbane businesses understand their risks and overcome their insurance challenges.

Why need a Brisbane business insurance broker?

As business insurance brokers, our job is to work for you, not the insurers. With the seemingly limitless options for insurance out there, our job is to help you filter through the clutter and find solutions that can be most suitable for your particular business.

Advantages of choosing a Crucial Insurance broker:

We pride ourselves in being proactive with our clients and value ethics over profits

We help you understand overcomplicated ‘insurance speak’ and eliminate confusion. We’re all about plain English

We help you make informed decisions about insurance through transparent advisory

We have an office in Brisbane, so a local and experienced broker is only a drive, phone call or email away

We were voted Insurance Broker of the Year 2020 and are dedicated to providing a consistent, high level of service

We have extensive insurance brokerage experience and networks both nationally and overseas. Because of this we continue to help clients reduce insurance premiums while still delivering exceptional value

We negotiate with and speak to insurers on your behalf

We're experts in claims management

Further, we are a licensed insurance broker that holds an Australian Financial Services Licence (AFSL). As licensed insurance brokers, we are regularly audited to ensure that we offer an exceptional level of service and integrity – basically, when it comes to insurance, we treat your business as our own.

Business insurance - do you really need it?

Whatever size your business is, having the right insurances in place is a must. For a nominal cost, insurance gives businesses the ability to financially cope should things take a turn for the worse.

For example:

Public Liability Insurance

Public Liability Insurance can protect you in the case that someone makes a claim against your business due to negligence, or if someone is injured in your premises.

Professional indemnity insurance

Provide advice for a fee? Professional Indemnity Insurance protects your business from claims made by your clients and customers against you as a result of the advice that you provide them.

Cyber Insurance

Cyber Insurance is not an option, but a must for all businesses. As a business, you are open to cyber and spyware attacks that could result in significant losses of profit, breach of privacy regulations and more. The right Cyber Insurance policy can provide you with a safety net against these risks.

IPO Insurance

Every IPO is unique and highly complex, and as such deserves the attention of a qualified, experienced broker who works for you, and not an insurance company that may not have your unique circumstance in mind. Having worked with clients across every step of the IPO journey, we have extensive experience in both traditional and complex insurance structures both locally and abroad.

 

Aged Care Insurance

We provide Aged Care Insurance advice to address a range of business activities associated with the Aged & Community Care sector, such as residential aged care facilities, serviced apartments and assisted living, at home nursing care, at home respite care, transport, social support and more.

 

 

Business Interruption Insurance

Business Interruption Insurance helps protect your business against unforeseen circumstances that negatively affect your profitability. This could include property related events such as fire and storm, cyber events, product recalls, machinery breakdown and more. 

These are just some examples of ways insurance could protect your business. Contact us to see which policies are most beneficial for your situation.

 

Construction Insurance (Brisbane)

Essentially, Construction Insurance can provide you with protection from risks that may be outside of your control. For example, it can provide you with protection from applicable property damage claims; it can protect you if a third party is injured on your premises during construction; it can provide extended protection for existing structures.

Our Happy Clients

“BSR Australia Ltd has worked with Crucial Insurance and its specialist cyber insurance division since 2016. Their approach was to ensure we understood our emerging risks in the digital space so that we understood how insurance could play a very specific role in addressing these exposures. I would highly recommend Crucial Insurance and its specialist cyber team to other businesses who want to properly understand their risks and what insurance solutions can best address these exposures.”

Stuart Nash
CFO
BSR Australia Limited (Betta Electrical Franchisor)

“Crucial Insurance & Risk Advisors take the hassle out of organizing our business insurance. They are always very responsive and they make sure we’re getting the best deal so we can get on with growing our business. I would highly recommend Crucial Insurance to other business owners.”

Bill Gordin
Founder
Bike Force Australia

“As a fast growing business our risk and insurance needs are constantly changing. Whether it’s expanding overseas or launching a new business stream, Crucial Insurance provides us with on demand advice, flexible insurance strategies that give us the confidence to get on with growing our business. I would highly recommend Crucial Insurance & Risk Advisor for your insurance needs.”

Brooke Camov
Head of Finance & Legal
Marketplacer Pty Ltd
2013 Australia Business of the Year

The Brisbane business landscape

As the third most populous city in Australia, Brisbane is home to 1.25 million people, a Gross Regional Product of $182 billion and a labour force of more than 729,000 people.

Although faced with challenging circumstances during the COVID-19 pandemic, stimulus packages such as JobKeeper and JobSeeker, as well as strict border controls have helped Brisbane’s economy stay strong. Large-scale developments such as the Queen’s Wharf Precinct, Brisbane Live, the Woolloongabba Precinct and more continue to create jobs and business opportunities.

Although Brisbane can be ripe with opportunity, managing a business in Queensland’s capital city can still impose significant risk. As we look towards an uncertain future, it is important that you are protected with the right insurances that can leave you with peace of mind.

As business insurance brokers, how can we help your Brisbane business manage risks?

We work with each client to ensure we understand your business and the associated risks. We help you understand these risks and the potential insurance solutions available.

We have access to over 150 insurers both in Australia and overseas. This ensures we provide our clients with the right cover at the very best premiums available. For example, if you need Professional Indemnity Insurance in Brisbane and general Business Insurance in Brisbane, we can use our network to find the most appropriate policy for your needs.

We recommend employing these simple steps to ensure your are well prepared for your next insurance renewal:

Plan ahead to ensure you understand your main risks

Have a plan to reduce your key risks

Prepare a risk management plan which details how you pro-actively manage risk

Make sure your business stands out as a good risk for insurers to cover

Looking for business insurance brokers in Brisbane? Get in touch to speak with a Brisbane insurance broker today.