Property
Protect business buildings and contents from loss or damage events such as fire, flood, storm, theft, mechanical breakdown and accidental damage.
Capricorn Mutual
Your insurance alternative, working exclusively for Members’ benefit.
Running a business comes with its own set of challenges; there’s only so much time in the day to manage everything. That’s where Capricorn Mutual comes in, offering you a competitive alternative to traditional risk protection and insurance, tailored specifically for the repair industry.
What is a mutual?
Think of a mutual as a collective of individuals sharing common risks or goals. They pool their resources to meet shared financial obligations. Mutuals have a long and esteemed history across the globe and continue to gain popularity due to their significant benefits and cost savings.
How Capricorn Mutual operates
Capricorn Mutual is a non-profit mutual, meaning we operate solely for the benefit of our Members. Unlike insurance companies, our Board exercises discretion over membership, scope of protections and claims decisions. Rest assured, our Australian Financial Services License ensures we are regulated by the Australian Securities & Investment Commission (ASIC), providing security for our Members.
We have appointed Capricorn Mutual Management Pty Ltd (CMM) to handle our operations, including administrative services, ensuring everything runs smoothly for you.
Furthermore, Capricorn Risk Services Pty Ltd (CRS) has been appointed to provide financial services related to the promotion, distribution and servicing of our protections.
Specialised products for the repair industry
Capricorn Mutual offers a range of market-leading protection products, ensuring comprehensive coverage for everyone’s needs. Learn more about our products below#.
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Business Protection
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Personal Protection
Business Interruption
Protection from financial loss associated with the inability to conduct business due to loss or damage to property.
Customers’ Vehicles
Protection for customers’ vehicles in your care, custody or control.
Public and Products Liability
Protection from costs associated with compensation payments for personal injury and property damage claims.
Professional Protection
Protection against civil liability for claims arising out of a breach of professional duty when providing professional advice for a fee.
Motor Vehicle
Protection for commercial vehicles, stock vehicles and motor fleet vehicles.
Home
Protection for home, contents and valuables.
Motor Vehicle
Protection including comprehensive, third-party fire and theft and third-party only to protect your car and/or motor bike.
Landlords
Secure your rental income with protection against loss or damage to your investment property.
And it gets even better
Members gain from our competitive alternatives to insurance and earn 1.5 Capricorn Rewards Points^ for every dollar spent on risk protection and insurance products through their Trade Account. These Rewards Points can be used to pay off your Trade Account or treat yourself to something special.
From cars and boats to big screen TVs and coffee machines, there’s plenty of ways to reward yourself or your team.
Get in touch
AU: 1800 007 022
NZ: 0800 555 303
If you wish to raise a complaint, please contact us at complaints@capricornrisk.com.
Corporate Documents
All the fine print in one place
Access all of our important documents that keep everything running — rules, annual reports and more.
Annual General Meeting
Your say in how we run things
From voting info to updates and results — everything about the AGM, all in one spot.
#The decision to grant protection, and its extent, is at the discretion of the Capricorn Mutual Board.
^Participation in the Capricorn Rewards program is subject to Capricorn Rewards Terms and Conditions.