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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
"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
Principal-Arranged vs Contractor-Arranged Insurance: PAI, PCIP & OCIP Explained
An Australian guide to principal-arranged vs contractor-arranged insurance — PAI, PCIP and OCIP structures, when each makes sense, and CFO decision factors.
Who Issues Surety Bonds in Australia? An APRA-Regulated Provider Guide
An independent broker's guide to APRA-regulated surety bond providers in Australia, with rating profiles, sector specialty, and broker access notes.
Bid and Tender Bonds: When You Need One on Australian Construction Contracts
An Australian guide to bid and tender bonds for construction and infrastructure tenders — when they are required, sizing, bank vs surety issuance, and conversion after award.
Performance Bonds Explained: AS2124, AS4000 & AS4300 Compatibility
An independent Australian guide to performance bonds — definition, AS2124/AS4000/AS4300 wording, on-demand vs conditional structures, and call-on procedures.
