Business Insurance Broker Canberra

Save time and money by finding the right insurance for your business at the right price. As fully licensed AFSL business insurance brokers serving Canberra businesses, we’ll help you make sure your insurance is not left to chance. We’ll also help you find ways to reduce your existing premiums and negotiate claims on your behalf. Call us on 1300 400 707 or fill in the form to speak to a specialist.

The last thing you want is to be underinsured, or be paying too much for insurance. At Crucial Insurance, we work for you, not the insurers. As award-winning business insurance brokers, we offer an exceptional level of service combined with years of technical expertise across multiple industries.

Crucial Insurance is a multi-award winning business insurance broker

2020 top insurance broker medal given by Advisr
QLD 2020 top insurance broker medal
2020 top brokerage
2020 top thought leader medal from Advisr
2020 top specialist insurance broker
2020 top insurance broker rated by customers award medal

Award-winning business insurance brokers, Canberra

With the overwhelming amount of cookie cutter insurance solutions being marketed to Canberra businesses, how do you know which options are the most appropriate for your needs? An incorrect or out-of-date insurance policy can result in disastrous financial consequences to your business.

As business insurance brokers, we’ll help you filter through the clutter to find what works best for your organisation. We provide transparent advisory and help keep your policies up to date as your business grows. We also work with you to strategise ways to lower your premiums and negotiate claims on your behalf.

From small businesses to publicly listed companies, we continue to work with a range of businesses across multiple industries. Whether you’re in public administration, health, aged care, finance, medical, technology, professional services or another industry altogether, we have experienced insurance brokers ready to help.

 

Crucial Insurance broker advantage

At Crucial Insurance, treat our clients’ businesses as if they are ours. Your needs will be our priority, and we pride ourselves in our ethical and proactive approach to our advisory.

We use our extensive insurer networks to help our clients access both traditional and hard-to-place insurance policies. At the same time, we work with our clients to reduce premiums and avoid unnecessary costs. We also help negotiate claims on our clients’ behalf, so all the hard work is done for you.

One major advantage of working with us is that we are an Australian Financial Services License holder. This means we are regularly audited to ensure we provide a high level of skill with an exceptional level of integrity and service. We are truly passionate about insurance, and are proactive in our approach to helping our clients meet their needs.

At Crucial Insurance, we pride ourselves in our proactive approach to our risk advisory. Our clients’ needs are our priority. The proof is in the pudding: we were recently awarded with Broker of the Year and a “Top Rated by Customers” Finalist award.

 

Why businesses choose Crucial Insurance:

We prevent financial setbacks: we help you find appropriate cover, keep your policies up to date and work with you to find ways to reduce premiums

We do the heavy lifting: we do the arduous insurance work, so you can focus on what you do best

We’re experts: we provide expert advisory based on years of industry experience

We’re award winning: we won a number of a awards for our commitment to our clients

We’re connected: using our national and international insurer network, we’ll help you find the most appropriate and cost-effective policies for your needs. We also help with hard-to-place insurance solutions

We’re seasoned negotiators: we have years of experience in claims management

Crucial Insurance broker advantage

At Crucial Insurance, treat our clients’ businesses as if they are ours. Your needs will be our priority, and we pride ourselves in our ethical and proactive approach to our advisory.

We use our extensive insurer networks to help our clients access both traditional and hard-to-place insurance policies. At the same time, we work with our clients to reduce premiums and avoid unnecessary costs. We also help negotiate claims on our clients’ behalf, so all the hard work is done for you.

One major advantage of working with us is that we are an Australian Financial Services License holder. This means we are regularly audited to ensure we provide a high level of skill with an exceptional level of integrity and service. We are truly passionate about insurance, and are proactive in our approach to helping our clients meet their needs.

 

Business Insurance in Canberra

Here are some common forms of Business Insurance we assist our Canberra clients with. Note, however, this is not a complete list; at the same time, do not let this list overwhelm you - certain types of insurance may only be ideal for certain types of businesses. Every business is unique, and as such will require its own tailored cover.

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.

IT Liability Insurance

IT Liability Insurance is designed to protect you against the numerous risks you may face when you are working as an IT-related professional. The main advantages of a specialist IT Liability Insurance policy is that it combines both Professional Indemnity and Public and Product Liability coverage under the one insurance policy which avoids any gaps in coverage if the two policies are placed with separate insurers.

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.

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.

Alternative Insurance Solutions

Do you have insurance needs not in the above list? Contact us to see how we can help you.

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

Directors and Officers Insurance (D&O Insurance)

At a glance, D&O Insurance can protect you and/or your company’s leaders and private assets from claims that arise as a result of decisions made during their duties. For example, D&O Insurance can protect business leaders against claims made as a result of allegations of wrongful acts, mismanagement of process, insolvencies, failures to comply with government regulation and laws, settlements as a result of litigation, claims made by competitors and much more.

Business Insurance

A comprehensive Business Insurance Package policy can protect businesses against unforeseen losses. It provides multiple forms of coverage within one combined policy which saves you time and money.

Aged Care Insurance

Our team has significant experience in Aged Care Insurance. We design insurance solutions based on a detailed understanding of your risk profile to ensure you are properly protected. We provide risk and insurance advice to address a range of business activities associated with the Aged & Community Care sector.

Mining Contractors Insurance

Many mining contractors provide essential services to mines including engineering, machining, fabrication, line boring, shutdown maintenance and more. It is crucial that your insurance protection is designed to extend coverage to all these business activities. Mining Contractors Insurance provides you with the protection you need should things turn for the worse. Mining Contractors Insurance often consists of two main insurance policies: Professional Indemnity Insurance and Public Liability Insurance.

Construction Insurance

Construction Insurance provides protection for builders during the period of construction and for your broader business activities as a builder. It is an essential form of protection to ensure your assets and liability are properly insured. A comprehensive Construction and Builders Insurance policy provides protection for assets during the construction period and protects your business against any legal liability claims which arise as a result of the construction project.

Canberra’s economy

As the capital city of Australia, Canberra is Australia’s eighth-largest city with an estimated population of 431,000. It is said to be the fastest-growing, sixth biggest economy of Australia as of the end of the 2017-18 financial year.

Canberra is the seat of the government of Australia, and as such is home to many political landmarks such as the Parliament House, Government House and the High Court. Known to be a completely planned city, Canberra is also home to the Australian National University, the Royal Australian Mint, the Australian War Memorial, the National Gallery, the National Museum, the National Library and more.

According to REMPLAN, the home of Canberra, the Australian Capital Territory (ACT), supports 227,461 jobs and has an annual economic output of $73.537 billion. The top industries, in terms of jobs, are public administration & safety, health care & social assistance, as well as professional, scientific & technical services.

We also provide business insurance brokerage to businesses in other Australian Cities such as:

If your company is based in Canberra, it is important to be invested in insurance policies that are appropriate to your specific needs. With the rapid rise in premiums and an unpredictable global economy, it’s crucial to speak to business insurance brokers in Canberra who are experienced in both traditional and innovative insurance solutions.

Need an experienced business insurance broker for your Canberra business? Get in touch.