Business Insurance

Get a Crucial Business Insurance package which covers your business for multiple risks within one policy. It's designed for small to medium businesses giving you peace of mind so you can grow your business with confidence.

What is Business Insurance?

A business can take generations to build but minutes to be destroyed.

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.

Who needs it?

All business owners can benefit from an insurance policy specifically designed to protect them from the risks of running a business.

This type of insurance is an essential to ensure your business can survive and unforseen loss.  You've worked hard to build your business, make sue you protect it with right insurance cover.

What is covered?

Crucial Insurance is a proud member of the Steadfast Broker Network.  This relationship allows us to provide our clients with exclusive Steadfast policy wordings. The benefits available under our Steadfast Business Package wordings are significant and may include cover for the following policy sections:

Property including Fire and other events such as Accidental Damage, Flood and Earthquake

Business Interruption Insurance

Theft / Burglary



Equipment Breakdown including mechanical and electrical equipment

Portable Equipment and Tools of Trade

Tax Audit and Investigation

Management Liability

Employee Dishonesty

Public & Product Liability Insurance

What's not covered?

Exclusions and the excess you will need to pay will vary greatly depending on the insurer and your business requirements.  You should always consider the following:

Incidents or claims known prior to the policy commencing

Claims arising from intentional acts

Your business becoming insolvent

Claims arising from your digital network / data breach (see Cyber Insurance)

To get a quote that provides you with the right cover it's important you speak with a Crucial Insurance expert.  Contact us today to avoid the stress of an uninsured loss.