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

niba award
business insurance broker-niba award
Top Australian Insurance Broker of 2020
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
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 associatd with equipment breakdown. Coverage extends to all mechanical and electrical equipment including manufacturing machinery, refrigeration equipment, air conditioning, switchboards, audi visual equipment, telephone systems and so on.

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.

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

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