Business Insurance Broker Emerald

We help Emerald-based companies safeguard against risks with the right insurance, at the right price. As a fully licensed AFSL insurance brokerage, we have extensive experience in helping our clients find the right insurance policies while reducing rising premiums. Call us on 1300 400 707 or fill in the form to speak to an experienced specialist.

Don’t leave your company’s financial future and personal assets to chance. An uninsured financial loss is all too often catastrophic for a business - and being incorrectly insured can be just as disastrous.

Emerald business insurance brokers you can trust

There are numerous insurance packages being marketed to businesses out there - how do you know if they have your best interests at heart? We are an award-winning business insurance broker who pride ourselves in our proactive and straightforward approach to insurance advisory. Essentially, we work for you - not the insurers.

We use our extensive insurer network to help you access insurance solutions tailored to your needs, negotiate claims on your behalf and work with you to reduce rising premiums. As a client, you’ll be working with an experienced team who place your needs first. We have a wealth of experience in helping businesses in a range of industries such as mining, construction, engineering, health, travel and more.

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

Crucial Insurance is a multi-award winning business insurance broker

2020 top insurance broker medal given by Advisr

2020 top thought leader medal from Advisr

2020 top insurance broker rated by customers award medal

Benefits of choosing an Emerald Crucial Insurance broker:

We help you make informed decisions about insurance through transparent advisory

We help you understand overcomplicated ‘insurance speak’ and eliminate confusion

We’re proactive

We negotiate with insurers on your behalf

We’re experts in claims management

We value ethics over profits

As a client, you will benefit from our extensive insurer networks both nationally and overseas

The proof is in the pudding: we’ve won a number of a awards for our commitment to our clients

Further, we are a business insurance broker that holds an Australian Financial Services Licence (AFSL). As licensed brokers, we are regularly audited to ensure that we offer an exceptional level of service and integrity. Which is another way of saying that you’re in good hands.

Forms of business insurance

Here are some common forms of insurance we help Emerald businesses with.

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.

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.

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.

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.

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.

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

We also provide expert advice in the following areas:

- Discretionary Trusts

- Captive Insurance

- Self-Insurance

- Extended Warranty Programs

- Expat Travel Insurance

- IPO Insurance

- D&O Insurance

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.

Emerald business at a glance

Regarded as the major regional centre of Queensland’s Central Highlands, Emerald is the dormitory town for major coal mines in the Bowen Basin.

According to the Central Highlands economic profile, The Mining sector comprises 6,079 jobs out of the 17,019 jobs in the region. It is also the largest employer of both the resident and non-resident workforce. The region itself generated $8.09 billion in output. Further, there was a 41.2% increase in the number of businesses with turnover of $10 million or more from 2017 to 2018.

With a region so robust with potential, investing in the right insurance is now more important than ever for Emerald-based businesses.

What our clients say

Looking for an Emerald business insurance broker you can trust? Get in touch to speak to one of our award-winning brokers today.

Get in Touch