What FBD Holdings does

FBD Holdings plc is an Irish general insurance and life & pensions provider founded in the 1960s by farmers for farmers and listed on the Irish Stock Exchange (Euronext Dublin) since 1988 under ticker FBD. The company is the largest Irish-owned insurer, distributing car, home, travel, farm, business, and life & pensions products to over 500,000 customers through 34 branch offices, telephone, online, and broker/partner channels across the Republic of Ireland. FBD generated €502 million of Gross Written Premium in 2025, a 9% year-on-year increase that included 18,000 net new policies, while reporting €54 million of profit before tax after absorbing €39 million in net Storm Éowyn claims costs.

The company is headquartered at FBD House, Bluebell, Dublin 12, is regulated by the Central Bank of Ireland, and reported a 201% Solvency Capital Requirement ratio post-dividend in 2025. It operates through wholly-owned subsidiaries FBD Insurance Group Ltd and FBD Insurance plc. FBD's core farm insurance heritage anchors a strong position in agricultural risk (livestock, machinery, farm buildings, agricultural liability), which the company has extended into SME business and retail segments. The shareholder base retains its cooperative character, with Farmers Business Development Plc (27.8%) and FBD Trust Co Ltd (17.9%) as the largest holders, alongside Sretaw PE DAC (10%) and M&G Investment Management (3.8%).

FBD's go-to-market is sales-led and multi-channel, with 900+ employees supporting both local in-person advisory and digital/telephone self-service. No proprietary technology platform or AI product is disclosed; the operating model is that of a traditional mid-size P&C and life insurer with selective digital enablement. Recent strategic emphasis has been on capital return (dividend plus €4m potential share buyback), board refreshment with digital and banking expertise, and ESG/sustainability commitments including the UN Principles for Sustainable Insurance, TCFD disclosures, and a €6m co-funding commitment to the Teagasc Moorepark sustainable agriculture research centre.

Name

FBD Holdings

Legal name

FBD Holdings plc

Website

https://fbdgroup.com

Company type

Public

Founded year

1960

Operating status

Operating

Headcount range

501–1,000 employees

Short description

FBD Holdings plc is the largest Irish-owned general insurance and life & pensions provider, serving over 500,000 farmer, business, and retail customers across the Republic of Ireland with car, home, travel, farm, business, and life products distributed through 34 branches and digital channels.

Ownership category

akta.pro rank

Headquarters

HQ city

Sandyford

HQ country

Ireland

HQ region

Europe

Offices2 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance Premiums: FBD generates revenue primarily through insurance premiums from its general insurance products including car, home, travel, farm, and business insurance. The company reported €502m Gross Written Premium in 2025 with 9% growth and added 18,000 new policies.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels6 records

Core offering

FBD Holdings is an Irish general insurance company that underwrites and distributes personal and commercial insurance products, including car, home, travel, farm, and business insurance, together with life and pensions products. The company sells these insurance products directly through its 34-branch retail network and via telephone, online, and broker channels to more than 500,000 customers across Ireland. It operates as a licensed insurer with an underwriting function, generating approximately €502 million in Gross Written Premiums annually.

Product overview

FBD Holdings operates as an Irish insurance provider offering a unified portfolio of general insurance products and life/pensions services. The core product suite consists of Car Insurance, Home Insurance, Travel Insurance, Farm Insurance, and Business Insurance for general coverage, alongside Life & Pensions for financial planning. Originally established in the 1960s by farmers for farmers, FBD has grown to serve Farmer, Business and Retail customers. Products are distributed through 34 branch offices nationwide, telephone, online, and partner/broker networks across the island of Ireland.

Differentiator

Problem solved

Functional benefit

Products and services

• Car Insurance Personal motor insurance cover for Irish consumers, providing protection for vehicles against accident, theft, and third-party liability. Sold to individual drivers and households through branches, telephone, online, and broker channels.
• Home Insurance Property insurance for Irish homeowners, covering buildings and contents against risks such as fire, flood, and theft. Sold to individual consumers across Ireland.
• Travel Insurance Travel insurance providing cover for Irish consumers for medical, cancellation, and luggage risks during overseas and domestic trips.
• Farm Insurance Specialist insurance cover for Irish farms, including farm property, livestock, vehicles, machinery, and business interruption risks. Targeted at farm owners and agricultural operators.
• Business Insurance General commercial insurance for Irish SMEs and businesses, covering property, liability, vehicles, and business interruption. Sold to small and medium enterprises across Ireland.
• Life and Pensions Life insurance and pensions products offered to Irish consumers, providing protection and retirement savings solutions.

Quantifiable outcome

• 500,000+ loyal customers served
• +2 more outcomes

Named customers3 records

Segments3 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Eleven partnerships are on record, tiered minor, core and major.

• AgrilandminorGTM or Marketing Partner · 29 June 2026FBD supports Agriland's 'Groundbreakers' series profiling women balancing careers and farming, ahead of the UN's 2026 International Year of the Woman Farmer.
• Tullamore ShowminorGTM or Marketing Partner · 25 June 2026FBD supports the Sustainable Livestock Village at the Tullamore Show and FBD National Livestock Show, providing practical advice on water quality, climate action, biodiversity, and farm succession.
• TeagasccoreStrategic or Co-development Partner · 13 February 2026Research partnership for the €12 million Padraig Walshe Centre focused on reducing greenhouse gas emissions and nutrient losses from grassland-based livestock systems. FBD contributed €6 million alongside €6 million from the Irish Department of Agriculture.
• MacramajorStrategic or Co-development PartnerPartnership for FBD Young Farmer of the Year Awards - a national competition to identify and recognize young farmer excellence, inspiring and empowering the next generation of Irish farmers.
• NuffieldminorGTM or Marketing PartnerFBD sponsors the Nuffield Farming Scholarship Programme, providing agri-scholars opportunities to undertake research and gain global perspective on new methods and ideas in agriculture.
• TeagascmajorStrategic or Co-development PartnerPartnership for Farm Safety Videos - FBD partnered with Teagasc and the Farm Safety Partnership to launch Managing Farm Safety and Health Video Series. Also partnered for Grass10 grassland excellence programme.
• Agri AwareminorGTM or Marketing PartnerFBD is a founding patron member of Agri Aware, supporting educational and public awareness initiatives on modern agriculture, rural environment, animal welfare, food quality and safety.
• BurrenbeominorGTM or Marketing PartnerFBD supports the Burren Winterage Weekend, celebrating unique farming traditions and highlighting the broader significance of pastoral farming in shaping the Irish landscape.
• Women in Agriculture ConferenceminorGTM or Marketing PartnerFBD is a headline sponsor of the Women in Agriculture Conference, celebrating women's role in agriculture and highlighting gender issues in farming and agri-food sector.
• Guaranteed IrishminorGTM or Marketing PartnerFBD is a proud member of Guaranteed Irish programme, awarded to companies creating quality jobs, contributing to local communities, and committed to Irish provenance.
• Local Chambers of CommerceminorChannel Partner/ Reseller/ DistributorWith 34 branches across Ireland, FBD is a committed member of many local Chambers of Commerce, working collaboratively to promote initiatives and assist local businesses.

Scale indicators12 records

Recent moves7 records

Expansion highlights5 records

Broad incumbents

• AIG Ireland: AIG's Irish branch serves commercial and specialty lines, representing broader incumbent competition for FBD's business insurance book rather than its personal lines.

Direct peers

• Aviva Ireland: Aviva Ireland provides motor, home, and commercial P&C insurance plus life & pensions, competing head-to-head with FBD across all major product lines and distribution channels.
• RSA Insurance Ireland: RSA (now part of Intact Financial) operates a direct motor and commercial insurance business in Ireland, overlapping with FBD's personal and commercial product portfolio.
• Zurich Insurance Ireland: Zurich operates general insurance (motor, home, farm, commercial) in Ireland through its Irish branch — overlapping directly with FBD's product set and customer segments (including farm customers).
• New Ireland Assurance: New Ireland Assurance provides life insurance and investment products in Ireland, overlapping with FBD's Life & Pensions offering to retail and corporate customers.
• AXA Ireland: AXA's Irish subsidiary is a direct competitor offering motor, home, business, and farm insurance to retail and SME customers across Ireland, mirroring FBD's general insurance portfolio.
• Allianz Ireland: Allianz's Irish operation offers personal and commercial P&C insurance to Irish consumers and businesses, sitting in the same competitive pool as FBD.
• Irish Life (Great-West Lifeco): Irish Life is Ireland's largest life and pensions provider, directly competing with FBD Life & Pensions in personal and corporate financial planning.
• Liberty Insurance Ireland: Liberty Insurance is a major Irish P&C insurer (motor, home, commercial) targeting similar retail and SME segments as FBD.

Regional players

• Mapfre Ireland: Spanish-owned Mapfre offers personal and commercial insurance in Ireland, providing another foreign-capital competitor in FBD's home market.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights7 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

Profiles18 records

Subsidiaries2 records

Funding overview

Funding rounds1 record

Investors1 record

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 FBD Holdings