Commercial Insurance

Insurance and surety — two sides of the same strategy

Most mid-market companies deal with their insurance program and their bonding requirements as separate conversations, often with separate brokers. At BCS, we manage both under one roof — because for companies operating in construction, mining and infrastructure, insurance and surety are fundamentally connected.

Your insurance program protects your assets, your revenue and your liability exposures. Your surety facility protects your cash flow, your borrowing capacity and your ability to win new contracts. The two should be structured together, not in isolation.

What we cover

We structure comprehensive insurance programs covering property and business interruption, public and products liability, professional indemnity, management liability (D&O, EPL, statutory liability), contract works and construction, workers' compensation across multiple jurisdictions, cyber liability, and specialist and emerging risks.

Why mid-market companies need an independent broker

A broker owned by or aligned with a specific insurer group has a structural conflict of interest. We place business across the full Australian and international market — our only obligation is to your outcome.

We review your key contracts to understand your insurance obligations. We test declared values against current replacement costs. We model business interruption scenarios against your actual recovery timeline. And we negotiate across multiple insurers to find the best combination of cover, terms and cost.

Explore our insurance capabilities

Visit our Commercial Insurance Overview to see the full range of cover types and sector specialisations we offer, or contact us to discuss your specific requirements.

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