Guard Insurance Brokers

What Guard Insurance Brokers does

Guard Insurance Brokers is an Australian boutique insurance brokerage founded in 2008 in Brisbane, Queensland, operating as Guard Insurance Brokers Pty Ltd (ABN 75 666 801 029). The firm is an Authorised Representative (001303967) of A'Vant Guard Financial Group Pty Ltd, which holds Australian Financial Services Licence 544749 and trades as Better Broker Network. Guard is also a member of the Steadfast Group Ltd network, the largest general insurance broker network in Australasia, giving it access to hundreds of insurers and underwriting agencies. In early 2022 the firm expanded to a second office in Werribee, Melbourne, extending its geographic footprint beyond Queensland while remaining a relationship-led, no-call-centre operation of 11-50 employees.

The company's core offering is intermediation between Australian small and medium businesses and commercial insurers, with a portfolio spanning business liability (public liability, professional indemnity, management liability, directors & officers, product liability, cyber liability), commercial property, and industry-specific programs for construction, hospitality/cafes, motor trades, beauty/wellness, real estate, recycling, container/bottle collection, and various trades. Underwriting placement is handled via market access (including Lloyd's of London facilities for hard-to-place risks such as recycling operations) rather than proprietary technology. Quote intake combines a website-based Quick Quote form with phone-led (1300 167 143) direct broker engagement, supported by industry-specific SEO landing pages, a content blog, and social media presence on Facebook, LinkedIn, and Instagram.

Guard's revenue model is commission-based, earning 5-35% of base premium from insurers for arranged policies, with optional fee-for-service rebating, supplementary premium funding commission (0-4.5% of funded amount), and interest on trust accounts as secondary streams. Go-to-market is sales-led through dedicated brokers who conduct risk assessments, place coverage, and manage claims in-house. The firm subscribes to the Insurance Brokers Code of Practice via NIBA membership, providing baseline regulatory and service standards. No venture capital, private equity, or public listing is evidenced; ownership sits within the A'Vant Guard/Steadfast network structure.

Name

Guard Insurance Brokers

Legal name

Guard Insurance Brokers Pty Ltd

Website

https://guardinsurance.com.au

Company type

Private

Founded year

2008

Operating status

Operating

Headcount range

11–50 employees

Short description

Guard Insurance Brokers is an Australian boutique insurance brokerage (founded 2008, Brisbane) arranging commercial liability, property, and industry-specific coverage for small and medium businesses across Australia via dedicated brokers, with offices in Brisbane and Melbourne.

Ownership category

akta.pro rank

Product category

Commercial Insurance Brokerage

NAICS

Insurance Agencies and Brokerages (52421), Agencies, Brokerages, and Other Insurance Related Activities (5242)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Commercial Lines Insurance Brokerage (FSAEADAB)

akta.pro secondary industry

Reinsurance Brokerage (FSAEADAE)

Keywords

• Commercial insurance brokerage
• Business liability insurance
• Professional indemnity coverage
• Commercial property insurance
• Industry-specific insurance programs

Headquarters

HQ city

Brisbane

HQ country

Australia

HQ region

Oceania

Offices2 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Insurance Commission: Guard Insurance Brokers earn commission from insurers when arranging insurance policies on behalf of clients. Commission rates typically range between 5% and 35% of the base premium. This is the primary revenue stream for the brokerage.
2. Fee-for-Service: The company may alternatively rebate all commissions to clients and charge a fee based upon the nature of the service provided. This provides transparency and allows clients to understand exactly what they are paying for brokerage services.
3. Premium Funding Commission: The company may earn commission from premium funders for arranging premium funding products that enable clients to pay premiums by instalments. Commission ranges from 0% to 4.5% of the amount funded.
4. Interest on Trust Accounts: If the company holds client money in trust pending payment to insurers, they receive any interest earned on those funds.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels5 records

Core offering

Guard Insurance Brokers is a boutique commercial insurance brokerage that arranges business insurance coverage on behalf of Australian small and mid-sized businesses. The firm provides access to hundreds of insurers and underwriting agencies across Australia to source tailored public liability, professional indemnity, management liability, cyber liability, product liability, directors and officers, and commercial property policies, supplemented by packaged industry-specific programs for construction, hospitality, motor trades, real estate, beauty, accounting, architecture, engineering, plumbing, and recycling sectors. The brokerage also offers premium funding arrangements and end-to-end in-house claims advocacy as part of its service offering.

Product overview

Guard Insurance Brokers operates as a boutique insurance brokerage offering a comprehensive portfolio of business insurance products and industry-specific solutions. The core offering centers on business liability insurance (public liability, professional indemnity, management liability, cyber liability, product liability, and directors & officers coverage) combined with commercial property protection. These are supported by specialized insurance programs tailored for specific industries including construction, motor trades, hospitality, real estate, beauty, and recycling sectors. The company provides access to hundreds of insurers and underwriting agencies across Australia, with claims advocacy and ongoing service as key differentiators. The product suite is not a unified software platform but rather a service-based brokerage model with manual and form-based quote processes.

Differentiator

Problem solved

Functional benefit

Products and services

• Business Insurance Comprehensive business insurance solutions tailored to individual business needs, providing protection against various operational risks arranged across multiple insurers and underwriting agencies. Targeted at small-to-medium Australian businesses across industries.
• Public Liability Insurance Insurance coverage protecting businesses against third-party injury and property damage claims arising from business operations, covering compensation and legal defense costs. For businesses whose operations create exposure to third-party bodily injury or property damage.
• Cyber Liability Insurance Coverage for data breach response, ransomware attack recovery, and business interruption from cyber events, including expert breach response teams and legal guidance. For businesses handling sensitive digital data or dependent on IT systems.
• Management Liability Insurance Personal asset protection for directors and officers against management decisions, including employment practices liability and corporate reimbursement coverage. For company directors, officers, and management teams.
• Directors' & Officers' Insurance Protection for corporate decision-makers from personal liability arising from business decisions, covering defence costs and personal assets. For directors and officers of Australian companies.
• Product Liability Insurance Coverage for manufacturers, importers, and distributors against claims arising from product defects, including supply chain liability and regulatory compliance issues. For product businesses with supply chain exposure.
• Commercial Property Insurance Protection for commercial property assets covering building values, business interruption, and natural disaster risks including flood, cyclone, and bushfire. For commercial property owners and tenants with insurable property interests.
• Vacant Property Insurance Specialized coverage for unoccupied commercial or residential properties facing unique risks including vandalism, squatters, and weather damage. For owners of vacant commercial or residential properties.
• Professional Indemnity Insurance Protection for professionals against negligence claims arising from advice or services, covering defence costs, regulatory investigations, and crisis support. For professional service providers including accountants, architects, engineers, and consultants.
• Building & Construction Insurance Complex insurance solutions for the construction industry including contract works, public liability, professional indemnity, and statutory liability to meet project contractual requirements. For construction firms ranging from sole trader carpenters to major construction companies.
• Cafe & Restaurant Insurance Hospitality-specific coverage addressing food service risks including public liability, product liability, and business interruption. For cafe, restaurant, and hospitality operators.
• Motor Trades Insurance Specialized coverage for automotive businesses covering customer vehicle damage, garage liability, faulty workmanship, and business interruption. For mechanics, smash repairers, and automotive retailers.
• Beauty Salon Insurance Comprehensive protection for beauty and wellness businesses covering professional liability, public liability, and product liability for treatments. For beauty salon and wellness business operators.
• Real Estate Agent Insurance Professional indemnity insurance tailored for real estate agents with additional coverage for cyber insurance and management liability addressing trust account, cyber, and wrongful dismissal exposures. For real estate agencies and individual agents.
• Recycling Industry Insurance Specialized coverage for recycling operations addressing fire risks, supply chain liability, and complex insurance market challenges, sourced through a Lloyd's of London facility-access Australian underwriting agency. For recycling businesses and property owners with recycling tenants.
• Accountants Insurance Tailored insurance solutions for accounting professionals including professional indemnity and cyber coverage for sensitive financial data. For accounting practices and individual accountants.
• Architects Insurance Specialized coverage for architectural professionals addressing design liability, professional indemnity, and project-specific coverage requirements. For architectural practices and individual architects.
• Engineers Insurance Professional coverage for engineering firms addressing design liability, professional indemnity, and project-specific engineering risks. For engineering consultancies and individual engineers.
• Insurance for Plumbers Tailored coverage for plumbing contractors addressing trade-specific liability exposures and contractual requirements. For plumbing contractors and trade businesses.
• Container & Bottle Collection Industry Insurance Specialized insurance for container and bottle recycling operations covering industry-specific operational and liability risks. For businesses involved in container and bottle collection and recycling.

Quantifiable outcome

• Access to hundreds of insurers enabling competitive pricing and coverage options
• +2 more outcomes

Segments10 records

Ideal customer profiles8 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Four partnerships are on record, tiered core and minor.

• Steadfast Group LtdcoreChannel Partner/ Reseller/ DistributorGuard Insurance Brokers is part of the Steadfast Group Ltd network, which is the largest general insurance broker network and largest underwriting agency group in Australasia. Steadfast has exclusive arrangements with some insurers and premium funders under which Steadfast receives remuneration that helps fund member services used by Guard Insurance.
• A'Vant Guard Financial Group Pty Ltd (Better Broker Network)coreStrategic or Co-development PartnerGuard Insurance Brokers Pty Ltd is an Authorised Representative (001303967) of A'Vant Guard Financial Group Pty Ltd t/a Better Broker Network. A'Vant Guard holds Australian Financial Services Licence No. 544749 and is regulated by ASIC. The parent company provides the regulatory framework, professional indemnity insurance, and network support.
• Specialist Underwriting Agencies (Lloyd's Facilities)coreChannel Partner/ Reseller/ DistributorFor specialized risks like recycling industry coverage, Guard Insurance works with an underwriting agency in Australia that can access Lloyd's of London facilities. This partnership provides access to coverage in otherwise unavailable insurance markets.
• National Insurance Brokers Association (NIBA)minorStrategic or Co-development PartnerA'Vant Guard Financial Group t/a Better Broker Network is a member of NIBA and subscribes to the Insurance Brokers Code of Practice, which sets minimum service standards and complaint resolution procedures.

Scale indicators4 records

Recent moves7 records

Expansion highlights4 records

Market position

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/guardinsurance
• LinkedInlinkedin.com/company/guard-insurance-brokers
• Instagraminstagram.com/guardinsurancebrokers

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

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 Guard Insurance Brokers