As 2025 comes to a close, we want to thank our clients and partners for the trust you’ve placed in Crucial Insurance and Risk Advisors.
We’re also grateful to our wider community, including our families and friends, who support the work we do behind the scenes, especially during the busiest periods of the year.
This year, we are proud of what we have helped our clients achieve, and we are also grateful for the momentum we have built as we continue to grow as a brokerage.
2025 at a glance
For many Australian organisations, 2025 has been defined by tighter underwriting, more scrutiny on risk quality, and the reality that insurance decisions increasingly sit alongside broader operational and financial planning.
This year, insurers continued to place a strong emphasis on risk selection and profitability. For mid-to-large businesses, this often translated to more detailed submissions, greater focus on governance and controls, as well as sharper conversations around claims history, contract terms and the day-to-day management of risk.
Capacity remained available across many areas, but it wasn’t always consistent. For certain classes of business, the difference between a smooth renewal and a difficult one often came down to preparation, presentation and access to the right markets.
What this means going into 2026
Looking ahead to 2026, we expect insurers to keep prioritising quality risks, clear documentation and strong risk narratives. For organisations with complex operations, multi-site footprints or high-value assets, the right strategy is less about chasing the lowest premium and more about structuring cover that will actually respond when needed, while also maintaining continuity of terms and capacity.
This is where the value of a broker becomes particularly clear: a good broker can help negotiate wording, manage insurer appetite, reduce friction at renewal time and support decision-makers in understanding the trade-offs between price, coverage and claims outcomes.
Season’s greetings
From all of us at Crucial Insurance and Risk Advisors, we wish you a safe and restful Christmas break and a strong start to 2026. We look forward to continuing to support your organisation with clear advice, practical solutions and insurance placements that stand up when tested.
Office closure
We will be closed from Wednesday 24 December 2025 and will reopen on Monday 5 January 2026.
If something urgent comes up during that time, please reach out and we’ll do our best to assist.
This article was written by Tony Venning,
Managing Director at Crucial Insurance and Risk Advisors.
For further information or comment please email info@crucialinsurance.com.au.
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