Business Insurance

When it comes to Business Insurance, it's best not to leave it to chance. We'll help you obtain comprehensive Business Insurance cover with one simple package. As an award-winning, fully licensed AFSL business insurance brokerage, our job is to help you find the most relevant protection for your needs. Call 1300 400 707 or fill in the form to speak to an experienced specialist.

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.

Crucial Insurance is a multi-award winning Business Insurance brokerage

top business insurance broker
best business insurance broker
niba award
business insurance broker-niba award
Top Australian Insurance Broker of 2020
QLD 2020 top insurance broker medal
business insurance meeting in office

Business Insurance: 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

business insurance meeting

Why choose Crucial Insurance for your Business Insurance

When it comes to Business Insurance, one major benefit clients receive when working with us is that we are an Australian Financial Services License holder. 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.

We’re negotiators: we have years of experience in helping clients maximise claims


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 do the heavy lifting: we care care of the complicated insurance work, so you can focus on what you do best

Business 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)

What is Business Insurance?

Business Insurance: Our Happy Clients

Types of Business Insurance

Note that this is not a comprehensive guide and the types of cover most applicable to your situation will differ depending on the nature of your business. Please contact us for more information.

business insurance - woman on computer

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.

business insurance - dentist chair

Machinery & Equipment Breakdown Insurance

A Machinery Breakdown insurance policy will protect your business from the financial loss associated with equipment breakdown. Coverage extends to all mechanical and electrical equipment including manufacturing machinery, refrigeration equipment, air conditioning, switchboards, audio visual equipment, telephone systems and so on.

business insurance parametric

Parametric Insurance

Parametric Insurance is a form of business insurance that will give you coverage for all natural catastrophic perils across all trade sectors and geographics. Unlike traditional insurance solutions, Parametric Insurance payouts are triggered by specific, independently verifiable, and transparent events, such as major flood catastrophes.

business insurance captive

Captive Insurance

Captive Insurance is a type of commercial insurance that allows you to form your own insurance company or ‘captive’ so you can have greater control over your insured risks. Captive entities are considered legitimate entities, and are utilised by Australian and multinational organisations, including private, publicly listed, and non-profit organisations. Captive Business Insurance can be costly, so so contact us before pursuing a Captive Insurance strategy.

business insurance expat travel


Business Travel Insurance

Business Travel Insurance, also known as Corporate Travel Insurance, can provide you and your employees with annual, worldwide, multi-trip travel cover. The coverage benefits available under a Travel Business Insurance policy may include Unlimited Medical, Evacuation and Additional expenses, Unlimited Cancellation and Curtailment Expenses, Loss of Frequent Flyer Points, Baggage & Business Property up to $20,000, and Electronic Equipment cover including laptops and other portable equipment.

business insurance trade credit
business insurance - man in warehouse

Management Liability Insurance

Management Liability Insurance is designed to cover you and your business against claims which arise from the management of your company. In particular, it provides Directors & Officers Liability Insurance if a director and / or employee are sued personally for being negligent in fulfilling their duties.

business insurance - woman in supermarket

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.

Liability Insurance will provide cover for personal injury and property damage claims which are brought by members of the public, customers and other external parties.

business insurance - warehouse

Product Liability Insurance

Product Liability Insurance protects your business for claims made against you which arise from a product you sell, supply or manufacture. This form of liability insurance is provided under a General Liability Insurance policy which will include cover for both Public and Product Liability Insurance.

business insurance cyber

Cyber Insurance

Cyber Insurance is a crucial type of business insurance that can protect you against the potentially debilitating costs of cyber threats. Traditional insurance policies such as Fire, Theft, and Business Pack policies exclude claims that arise from cyber threats, such as ransomware. However, Crucial Insurance brokers can help you find a comprehensive Cyber Business Insurance policy that will protect your business from dire financial losses due to a cyber breach.

business insurance construction-insurance


Builders and Construction Insurance

Builders and Construction Insurance protects your business by providing insurance for builders and assets during construction periods, and also covers any legal liability claims made against you as a result of your construction activities. To ensure protection for loss or damage to assets, contractors or builders that are responsible for carrying out works on site should consider a Construction Insurance policy that provides Contractors All Risk coverage.

Trade Credit Insurance

Trade Credit Insurance is a significant type of business insurance that helps shield your income and business assets from potential customer failure. Selling trade or goods on a credit basis means you're at risk of bad debt or non-payment by customers, leading to disruption in your cashflow and leaving you out of pocket. By protecting your debtors’ ledger, Trade Credit Insurance policies allow you to grow your business with confidence.

Business Insurance

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Need Business Insurance? Contact us today to avoid the stress of an uninsured loss.