Business Insurance Broker Perth

In an unpredictable market, it’s important to not leave your insurance to chance. As Perth business insurance brokers, our goal is to help you find the right insurance at the right price. We’ll also negotiate claims on your behalf. We are a fully licensed, AFSL insurance brokerage. Call 1300 400 707 or fill in the form to speak to an experienced Perth business insurance broker.

If you’re based in Perth, the last thing you want is to be paying too much for insurance or be uninsured when things go wrong. As an award-winning business insurance brokerage, we will help you avoid these risks.

Crucial Insurance is a multi-award winning business insurance broker

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

At Crucial Insurance, we care about your success

We treat our clients’ businesses as ours. And this isn’t just lip service: with our high client retention rate, we were recently awarded Advisr’s “Top Rated by Customers” Finalist award for our client reviews.

As business insurance brokers, we do the heavy lifting for you: we help you find the right insurance, strategise ways to lower your premiums, negotiate claims on your behalf and work to make sure your policies remain up to date.

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


Why choose Crucial Insurance for your business insurance:

We’re proactive: we help you make informed decisions about insurance through transparent advisory

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 policies for your needs. We also help with hard-to-place insurance solutions

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

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

Our client advantage

At Crucial Insurance, we work for you, not the insurers. 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 we have over many business insurance brokers in the market 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.

Types of business insurance, Perth

If you’re based in Perth, here are some common forms of Business Insurance we assist our clients with. Do not let this list overwhelm you - certain types of insurance may only be ideal for certain types of businesses. Please contact us to discuss your business insurance requirements.

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.

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.

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.

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

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 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.

(See Business Insurance Perth)

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.

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.

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.

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.

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.

The Perth economy

As the capital city of Western Australia, Perth is a rapidly growing city that has achieved more than $9 billion of building activity approved in the last 10 years. As a coastal city, Perth has greatly benefited from its close proximity to the Asia Pacific Region.

According to REMPLAN, Perth is home to 30,971 people, supports 149,475 jobs and has an annual economic output of $94.415 billion. It has ranked as one of the top 10 most liveable cities in the world by the Economist Intelligence Unit.

Perth has a mediterranian climate and enjoys more hours of sunshine than any other capital city in the nation. According to REMPLAN, “The Mining industry sector makes the greatest contribution to economic output in the region, which at $32.7 B accounts for 34.64% of total output.”

Professional, scientific, technical services, health care, public administration, safety and social assistance are also some of Perth’s leading industries.

We also have business insurer brokers available in neighbouring locations:

If you are based in Perth, it is crucial that you are adequately insured against the threat of catastrophes. We will help you prevent unnecessary losses that could occur as a result of being under insured, or having to pay too much for insurance.


Need an experienced Perth business insurance broker you can trust? Get in touch.