Captive Insurance Sydney

Captive Insurance is a type of insurance fully owned and controlled by you, the insured. By forming your own insurance company, or ‘captive’, you have greater control over your business’ (or affiliated businesses’) risks and potential losses. Captive Insurance can offer you greater stability in a market constantly disturbed by natural disasters, pandemics, inflation, rising interest rates and other global events.

As award-winning, AFS licensed business insurance brokers, Crucial Insurance can help develop clear and effective Captive Insurance strategies for all kinds of Sydney-based businesses. For more information, call us on 1300 400 707, contact us or get a quote now.


We are award-winning Sydney Captive Insurance specialists

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

Captive Insurance is a type of insurance fully owned and controlled by you, the insured, to give you more control over your business’ (or affiliated businesses’) risks and potential losses.

captive insurance

Benefits of Sydney Captive Insurance

Stronger command over policy terms and conditions

Cost benefits: the potential for lower premium payments

Tax benefits: reserve funds held by this insurance company can potentially be tax deductible

A strategy used for better cash flow control

Revenue generation through underwriting profits

Insure against risks that may not be as obtainable through traditional means

More control over insurance allocations

This is not an extensive list. Please contact us to see if Captive Insurance is right for your business.

captive insurance advice sydney

How does Captive Insurance work?

With traditional insurance options, your cover is often at the mercy of your insurer. Your insurer is the one who decides the kind of cover you obtain, the premiums you have to pay, and whether or not you are entitled to your claims.

On the other hand, Captive Insurance allows you to form your own insurance company or ‘captive’, giving you greater control over your insured risks. Captive entities are considered legitimate entities as they are utilised by both Australian and multinational organisations, including private, publicly listed and non-profit organisations.

Is Captive Insurance right for your Sydney business?

captive insurance broker

Captive Insurance is frequently used in conjunction with conventional insurance options and should not be relied upon as a standalone solution for risk management. It can be an advantageous tool to have in your insurance arsenal, but it comes with a high entry barrier. Generally, it's recommended for companies with a strong loss history (and an expectation of continued low losses) and a premium size of at least $1 million.

captive insurance consultant

To pursue a Captive Insurance strategy, a company must have the resources to establish an insurance company to cover potential losses and collaborate with qualified professionals such as attorneys, accountants, and tax advisers. Protective Cell Companies (PCC) can be a cost-effective way to transfer risk and gain more control over insurance costs and limitations.

Contact us before pursuing a Captive Insurance strategy to fully understand its advantages and disadvantages.


captive insurance specialist

Captive Insurance: Sydney Snapshot

The city of Sydney is known for its stunning coastal views, iconic landmarks such as the Opera House and Harbour Bridge, and its diverse communities and cultural scenes. And further, the New South Wales capital is also often recognised for its contributions to the economy, being the location of choice for many prominent business districts.

The key industry sectors operating within Sydney include financial and professional services, digital and information communication technology, health, research, and education. Specifically concerning Sydney’s financial institutions, industry associations, and insurers, the city call itself home to the headquarters of 60 out of 64 banks in Australia.

As your Sydney insurance broker, Crucial Insurance will assist you in finding the perfect Captive Insurance policy for your business, all while helping you understand everything that comes out of your cover.

Why Sydney clients choose Crucial Insurance and Risk Advisors for Captive Insurance

two men discussing business insurance in Brisbane

As lauded Captive Insurance specialists, our efforts have won us multiple awards, including the NIBA Broker of the Year Award, and the Queensland Stephen Ball Memorial Award.

We attribute these successes to the Crucial Insurance mentality—seeing every client’s business as our own and priding ourselves in our proactive approach to customer support.

Transparent advisory: our number one priority is adding value to your business and placing your needs first

Extensive experience in solving insurance challenges: from small businesses to publicly listed companies, we have and will negotiate with insurers on your behalf

We have the connections: we help companies find hard-to-place insurance options through our national and international insurer networks

We have the drive: we are about helping clients reduce their premiums while still accessing the right forms of cover for their needs


Read more Crucial Insights about Captive Insurance.

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Looking for Sydney Captive Insurance? Speak to an award-winning Captive Insurance specialist today.