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Crucial Insights

Holiday Gratitude & Our Christmas Closure Details

December 20, 2024

As the holidays draw near, we’d like to take a moment to share our gratitude and wish you a wonderful holiday season. This time of year often brings into focus what’s truly important—family, friends, community and the supportive network we’ve built together. We’re especially thankful to have you reading, engaging […]

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2024 Insurance Market Recap: Trends, Challenges and Opportunities

December 5, 2024

The Australian insurance market in 2024 experienced a stabilisation in premium rates and increased competition across many insurance classes.  This year also saw a resurgence in insurer profitability, driven by higher investment returns amid a favourable economic environment. But what does this mean for you? Here’s an overview of the […]

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Elevate Your Career: Join Crucial Insurance and Risk Advisors

November 14, 2024

We’re happy to announce new positions at Crucial Insurance and Risk Advisors. Want to join our team? Here’s what you can get: ✅ Competitive base salary with industry-leading renumeration model ✅ Challenging but highly rewarding career path ✅ Flexible work options Unlock Your Potential At Crucial Insurance and Risk Advisors, […]

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insurance combined liability

Mining Contractors: Avoid Severe Financial Consequences With Combined Liability Insurance

October 18, 2024

In certain industries—especially high-risk sectors such as mining, construction and engineering—businesses often find themselves in a unique position. They sell or build a product but are also tasked with designing a unique solution that goes beyond the scope of the product itself. For example, imagine a mining contractor selling heavy […]

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Cyber Insurance and Professional Indemnity Insurance: Understanding Their Importance and Differences

June 20, 2024

In this digital age, it is almost impossible to avoid both professional and cyber risks. Claims related to professional negligence and the effects of cyber crime can severely impact your financial stability and reputation.  When it comes to choosing your insurance, how do you protect yourself against these risks? Is […]

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whs insurance banned queensland

WHS Fines Insurance Banned in New South Wales, Victoria – and Now, Queensland. Here’s What You Need To Know

April 19, 2024

In an important legislative update, Queensland has recently made it illegal to insure against fines related to Work Health and Safety (WHS) contraventions. This change, announced in March of 2024, aligns Queensland with several other states in Australia that have introduced similar prohibitions.  While businesses can no longer secure insurance […]

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What happens if I don’t have professional indemnity insurance?

April 8, 2024

Is Professional Indemnity Insurance compulsory for your business in Australia? There’s no doubt that insurance plays a pivotal role in safeguarding your professional integrity and financial security.  Among the various types of Business Insurance, Professional Indemnity (PI) Insurance stands out for its critical importance to professionals across numerous industries. PI […]

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Public Liability vs Professional Indemnity Insurance: Which Should You Get?

March 11, 2024

Understanding the difference between Public Liability Insurance and Professional Indemnity Insurance is crucial for any business owner or professional.  These insurance policies serve as a safety net, providing protection against claims that could potentially cripple your financial standing or tarnish your reputation. Despite their importance, many individuals find it challenging […]

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Deepfake Deception: A $39 Million Scam Unveils the Dark Side of AI in Cybersecurity

February 16, 2024

In a stunning demonstration of the evolving landscape of cybercrime, a finance worker at a multinational firm in Hong Kong was deceived into transferring a staggering 200 million Hong Kong dollars (approximately $39 million Australian dollars) to fraudsters employing deepfake technology.  This scam, which employed artificial intelligence to orchestrate a […]

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Merry Christmas, and a Happy 2024!

December 21, 2023

As the festive season approaches, we at Crucial Insurance and Risk Advisors want to take a moment to extend our warmest wishes to you and your loved ones. This time of year is a wonderful opportunity for reflection and gratitude. We are incredibly thankful for your trust and partnership throughout […]

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contact information

australia: 1300 400 707
fax: +61 7 5406 7799
email: info@crucialinsurance.com.au

Sunshine Coast Office:
Business Insurance Brokers Sunshine Coast
Suite 306, 45 Brisbane Road,
Mooloolaba QLD 4557

Brisbane Office:

Business Insurance Brokers Brisbane
Level 9 123 Albert Street
Brisbane, 4000

Mackay Office:

Business Insurance Brokers Mackay
Suite 2/52 MacAlister St, Mackay QLD 4740

Emerald Office:
Business Insurance Brokers Emerald
62 Egerton St,
Emerald QLD 4720

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Crucial Insurance and Risk Advisors Pty Ltd (ABN 93166630511) an Australian Financial Service Holder (AFSL Number 451450).

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