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INDEPENDENT COMMERCIAL INSURANCE & SURETY BOND BROKER
Insurance and surety bonds structured for performance
We help Australian companies who turnover $20M+ in revenue to protect margins, free up capital and win larger contracts — across construction and mining.
Most companies outgrow their insurance broker before they realise it
When your business was turning over $10 million, a generalist broker could handle the basics.
But as revenue scales past $20 million — and contracts, assets and regulatory exposure grow with it — the gaps start to show. Policies that haven't been stress-tested against your actual risk profile.
Bond facilities that limit the projects you can tender for. Renewals that arrive late with little market context. Claims that drag on without a clear strategy.These aren't broker complaints. They're commercial problems that cost companies real money every year.
Two capabilities. One broker who understands how they work together.
Commercial Insurance
Tailored insurance programs for companies operating in high-risk, high-value sectors. We structure cover around your actual exposures — not a template — and negotiate across the market as your independent advocate.
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Surety Bonds
Surety bonds replace cash-backed bank guarantees with unsecured guarantees from A-rated insurers — freeing up working capital you can reinvest in growth. We establish, structure and manage your bond facility end to end.
Deep sector knowledge where it matters most
We focus on industries where risk is complex, contracts are large and the cost of getting insurance wrong is measured in millions.
Construction & Infrastructure
Mining & Resources
Medical & Healthcare
"BCS Broking has helped us access our capital through Surety Bonds. Before BCS we did not even know this product existed. Surety has helped fast track our growth from a $30m turnover to over $100m."
— CFO, Constuction Company
What sets an independent broker apart
Industry veterans dedicated to your success.
Insight Articles
Surety Bonds vs Bank Guarantees: What Companies Need to Know
Most Australian companies use bank guarantees by default. Surety bonds offer the same contractual security without tying up cash or consuming bank facility limits.
Five Signs Your Insurance Program Has Not Kept Up With Your Business
Companies often outgrow their insurance broker before they realise it. Here are five warning signs your program needs a structural review.
How Surety Bond Facilities Work: A Guide for CFOs
A surety bond facility gives your company a pre-approved bonding limit — similar to a revolving credit facility but without tying up cash. Here's how the process works from application to bond issuance.
Insurance Requirements for Government Construction Contracts in Australia
Government construction contracts impose specific insurance obligations that differ from private sector work. Here's what contractors need to know about compliance and cover.
