Hollard Australia

What Hollard Australia does

Hollard Australia is one of Australia's largest general insurers, operating as a privately owned underwriter founded in 1999 and headquartered in North Sydney. The company functions primarily as a B2B insurer under a 'brand behind the brands' model, underwriting general insurance products (motor, home, contents, landlords, pet, bicycle, and business insurance) that are distributed through partner brands (Australian Seniors, CBA Insurance, Everyday Insurance/Woolworths, Real Insurance), insurance brokers (including the Steadfast network), and agency partners across Australia and New Zealand. Hollard operates through two licensed entities: The Hollard Insurance Company Pty Ltd (AFSL 241436) and Hollard Insurance Partners Limited (AFSL 235030, formerly Commonwealth Insurance Limited, acquired October 2022).

The company's revenue model is built on recurring insurance premiums collected through partner distribution channels, with pricing determined by individual risk assessment rather than publicly disclosed tiers. Hollard does not sell directly to consumers under its own brand; instead it provides the underwriting backbone, claims management, and regulatory infrastructure for retail brands. The company holds AFSL licences, is a signatory to the General Insurance Code of Practice, complies with the Privacy Act 1988, and meets WCAG 2.2 AA accessibility standards. It employs 1,001-5,000 people and operates as part of the privately owned Hollard International group.

Hollard's strategic positioning centers on partner distribution reach, claims handling capabilities, and a 25+ year accumulation of Australian and New Zealand insurance data. The company reports using AI systems for underwriting, quotes, claims, and fraud detection per its privacy disclosures, though no proprietary AI platforms or research are publicly described. Recent strategic emphasis includes family violence policy protections (March 2026), the Aspire Women Leaders Program (third cohort November 2025), and ongoing capital strengthening via a $75.4M funding round in November 2024. A recent cyber incident affecting broker/agency partner systems has been disclosed with a dedicated support portal for affected individuals.

Name

Hollard Australia

Legal name

The Hollard Insurance Company Pty Ltd

Website

https://hollard.com.au

Company type

Private

Founded year

1999

Operating status

Operating

Headcount range

1,001–5,000 employees

Short description

Hollard Australia is one of Australia's largest privately owned general insurers, underwriting motor, home, contents, pet, bicycle, and business insurance distributed through partner brands (CBA, Woolworths, Australian Seniors, Real Insurance) and broker networks across Australia and New Zealand.

Ownership category

akta.pro rank

Product category

General Insurance

NAICS

Direct Property and Casualty Insurance Carriers (524126), Direct Life Insurance Carriers (524113), Direct Insurance (except Life, Health, and Medical) Carriers (52412), Agencies, Brokerages, and Other Insurance Related Activities (5242), Direct Life, Health, and Medical Insurance Carriers (52411)

SIC

Fire, Marine & Casualty Insurance (6331), Life Insurance (6311)

akta.pro primary industry

Landlord / Dwelling Fire (DP) Insurance (FSAJACAD)

akta.pro secondary industries

Renters Insurance (FSAJACAB), Group Term Life Insurance (FSAIAAAJ)

Keywords

• General insurance underwriting
• Partner brand insurance
• Insurance distribution
• Broker insurance solutions
• Commercial and personal insurance

Headquarters

HQ city

Sydney

HQ country

Australia

HQ region

Oceania

Offices1 record

Markets served

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure, Supply Chain

Revenue model

1. Insurance Premium Revenue: Hollard generates revenue through insurance premiums collected from policyholders across its various product lines (motor, home, contents, pet, business, bicycle insurance). Products are distributed through partner brands and broker networks.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels3 records

Core offering

Hollard Australia is a general insurance underwriter that designs and underwrites a broad range of personal and commercial insurance products — including motor, home, contents, landlords, business, pet and bicycle cover — and distributes them through partner brands (Australian Seniors, CBA Insurance, Everyday Insurance, Real Insurance), insurance brokers (including the Steadfast network), and agency partners rather than selling directly to consumers under the Hollard name. The company operates as the underwriting backbone behind well-known Australian insurance brands.

Product overview

Hollard Australia is one of Australia's largest independent general insurers, providing a broad range of insurance products including motor, home, contents, landlords, business, pet, and bicycle insurance. The company operates primarily as an underwriter, distributing products through multiple partner brands (Australian Seniors, CBA Insurance, Everyday Insurance, Real Insurance) and through insurance brokers and agency partners. The product portfolio is structured around core insurance products (car, home, contents, landlords, business, pet, bicycle) delivered via partner brand sub-brands and direct broker channels, all underwritten by either The Hollard Insurance Company or Hollard Insurance Partners Limited.

Differentiator

Problem solved

Functional benefit

Brands

• Australian Seniors: Partner brand offering insurance products to seniors.
• CBA Insurance
• Everyday Insurance
• Real Insurance

Products and services

• Motor Insurance Vehicle insurance providing protection for cars with options ranging from affordable basic cover to premium cover with optional extras. Distributed through partner brands, with Roadside Assistance available as an optional service via Digicall Assist.
• Home Insurance Home insurance covering protection for homes against damage from events including broken windows, floods, storms and bushfires. Distributed through partner brands such as CBA Insurance, Everyday Insurance, Real Insurance and Australian Seniors.
• Contents Insurance Contents insurance covering personal belongings for theft and accidental damage, distributed through partner brands including CBA Insurance, Everyday Insurance, Real Insurance and Australian Seniors.
• Landlords Insurance Property insurance for landlords covering malicious damage, loss of rent, and damage from storms, floods and fires. Distributed through partner brands including CBA Insurance.
• Business Insurance Commercial insurance offering Public and Products Liability cover and General Property cover for portable items, targeted at eligible trades and small businesses in Australia. Distributed through the Commonwealth Bank business insurance channel and through brokers.
• Pet Insurance Specialised pet insurance distributed through PetSure and underwritten by Hollard. Hollard was the first insurer to offer specialised pet insurance in Australia.
• Bicycle Insurance Bicycle insurance underwritten by Hollard and distributed through Velosure, providing coverage for bicycles and riders that standard home and contents insurance does not cover.
• Hollard Commercial Insurance Business and motor insurance distributed by Hollard Commercial Insurance Pty Ltd, which acts as agent under a binder of the insurer Hollard. Operates as the commercial distribution arm of Hollard's underwriting business.

Quantifiable outcome

• Millions of Australians protected through partner brands

Named customers1 record

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

AI capability3 records

Partnerships

Twelve partnerships are on record, tiered core and minor.

• Australian Graduate School of Management (AGSM)coreStrategic or Co-development Partner · 1 January 2021AGSM (part of UNSW) partners with Hollard and Steadfast to deliver the Aspire Women Leaders Program. Program participants earn credits toward an AGSM Executive MBA.
• Australian SeniorscoreChannel Partner/ Reseller/ DistributorAustralian Seniors is a partner brand that distributes Hollard underwritten insurance products including car, home, and contents insurance to Australian seniors and retirees.
• CBA Insurance (Commonwealth Bank)coreChannel Partner/ Reseller/ DistributorCommonwealth Bank distributes Hollard underwritten insurance products (Home, Landlord, Car and Business Insurance) through its banking channels. Hollard Insurance Partners Limited underwrites these products. SMS communications changed from 'CBA Ins' to 'Hollard' from July 2024 per ACMA guidance.
• Everyday Insurance (Woolworths)coreChannel Partner/ Reseller/ DistributorEveryday Insurance is a partner brand affiliated with Woolworths that distributes Hollard underwritten insurance products including home, contents, and car insurance.
• Real InsurancecoreChannel Partner/ Reseller/ DistributorReal Insurance is a partner brand distributing Hollard underwritten insurance products including car, home, contents, and pet insurance.
• Steadfast GroupcoreChannel Partner/ Reseller/ DistributorSteadfast Group is a major insurance broker network and strategic partner. Hollard provides insurance products through Steadfast brokers and jointly developed the Aspire Women Leaders Program.
• PetSureminorChannel Partner/ Reseller/ DistributorPetSure distributes pet insurance underwritten by Hollard. Hollard was the first insurer to offer specialised pet insurance in Australia.
• VelosureminorChannel Partner/ Reseller/ DistributorVelosure offers bicycle insurance underwritten by Hollard, providing coverage for bicycles and riders that standard home and contents insurance doesn't cover.
• Safe and EqualminorOthersVictorian peak body for family violence response. Consulted by Hollard in developing policy protections for victim survivors of family violence.
• Uniting Vic.TasminorOthersSocial services organization consulted by Hollard in developing policy protections for victim survivors of family violence.
• Flequity Ventures (Respect & Protect campaign)minorOthersSocial enterprise running the Respect & Protect business initiative. Commended Hollard on changes to address financial abuse in insurance products.
• Hollard Commercial Insurance Pty LtdcoreOthersHollard Commercial Insurance Pty Ltd distributes Hollard Commercial business and motor insurance as agent under a binder of the insurer Hollard.

Scale indicators4 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Insurance Australia Group (IAG): IAG is Australia's largest general insurer (NRMA, CGU, SGIO, Swann) underwriting motor, home, contents, and commercial insurance distributed through direct brands and intermediaries — directly comparable to Hollard's product set and intermediated distribution model.
• Suncorp Group: Suncorp operates AAMI, GIO, Shannons, and Bingle across Australian and New Zealand motor, home, and commercial P&C markets, distributing through direct, partner, and broker channels — closely overlapping Hollard's underwriting, product breadth, and trans-Tasman footprint.
• Allianz Australia: Allianz Australia underwrites personal lines (motor, home, contents) and commercial lines distributed through broker networks and direct channels, making it a comparable general insurer with similar product and distribution mix to Hollard.
• QBE Insurance: QBE's Australian operations underwrite commercial and personal P&C products distributed heavily through broker networks, overlapping Hollard's commercial and broker-channel business with comparable underwriting expertise.
• Auto & General Insurance: Auto & General is an Australian insurer underwritten for partner brands (Coles, Kmart, Budget Direct, ING) — directly comparable to Hollard's 'brand behind the brands' B2B2C underwriting model serving retailers and financial institutions.
• Youi Insurance: Youi is an Australian direct-to-consumer insurer writing motor and home insurance with a phone/digital-led model — a comparable general insurance competitor in the same Australian retail P&C market, albeit with a different direct (vs. intermediated) distribution approach.

Broad incumbents

• AIG Australia: AIG operates as a global insurer's Australian arm writing personal accident, motor, home, and specialty lines primarily through intermediaries — a comparable general insurance peer operating at the same scale in the same market.
• Zurich Australia: Zurich's Australian business underwrites general insurance including home, motor, and commercial lines distributed through brokers and partners, overlapping Hollard's intermediated distribution model and product portfolio.

Others

• Steadfast Group: Steadfast is Australia's largest broker network and a strategic distribution partner of Hollard's; comparable as an insurance ecosystem participant underwriting and distributing through aligned capacity partners, with overlapping broker relationships.

Emerging players

• PetSure: PetSure distributes pet insurance underwritten by Hollard — a comparable specialty insurance distributor in the Australian market operating in the same niche category with similar partnership economics.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat7 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/hollard-insurance-australia

Compliance5 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 records

Funding overview

Funding rounds1 record

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Hollard Australia