Ansvar Insurance

What Ansvar Insurance does

Ansvar Insurance Limited is an Australian specialist general insurer headquartered in Southbank, Melbourne, operating under Australian Financial Services Licence No. 237826 with APRA authorisation. Founded in 1961 and employing approximately 160 staff, the company focuses exclusively on six commercial verticals — Care Services, Community Services (not-for-profits), Faith Communities, Learning & Education Services, Arts/Culture/Heritage, and Commercial Property Owners — and underwrites Business Packages, Industrial Special Risks, Casualty, and Financial Lines policies. It differentiates through a niche Physical and Sexual Abuse cover and an integrated Enterprise Risk Management (ERM) Solutions suite that includes the RMA Online risk maturity self-assessment tool, Risk Health Checks, Risk Consultancy, and a sector-specific content library of toolkits, templates, and Risk Alerts.

The company is a member of the UK-based Benefact Group (formerly Ecclesiastical Group), whose stated mission is to give all available profits to good causes; intra-group reinsurance and capital support from Ecclesiastical Insurance Office plc underpin Ansvar's balance sheet, affirmed by AM Best at A- (Excellent) with risk-adjusted capitalisation at the strongest level as of FY2025. Distribution is primarily through a national network of insurance brokers supported by a dedicated broker portal, with complementary direct website and phone channels (1300 650 540). The company also offers personal insurance through a white-label arrangement with Allianz (allianzsecure.com.au/ansvar.html), runs a Community Education Program providing grants to community organisations, and operates a Preferred Partner Network integrating safeguarding, HR, worker screening, and ministry compliance providers.

Revenue is generated through recurring annual insurance premiums priced via broker-sourced quotes on a per-risk basis, with no public pricing tiers disclosed. Beyond underwriting, Ansvar monetises its ERM expertise as a value-added service to retain and support clients in community-facing sectors. Operations span five Australian states (Victoria, New South Wales, Queensland, South Australia, Western Australia) with corporate compliance and complaints handling centralised in Melbourne.

Name

Ansvar Insurance

Legal name

Ansvar Insurance Limited

Website

https://ansvar.com.au

Company type

Private

Founded year

1961

Operating status

Operating

Headcount range

51–100 employees

Short description

Ansvar Insurance Limited is an Australian specialist general insurer (est. 1961, ~160 staff) underwriting for care, community, faith, education, heritage, and commercial property sectors via brokers, with niche PSA cover and integrated ERM advisory services; subsidiary of UK-based Benefact Group.

Ownership category

akta.pro rank

Product category

Specialist Commercial Insurance

NAICS

Direct Insurance (except Life, Health, and Medical) Carriers (52412)

SIC

Fire, Marine & Casualty Insurance (6331)

akta.pro primary industry

Nonprofit / Social Services BOP (FSAJAFAM)

akta.pro secondary industry

Professional Liability (Errors & Omissions) (FSAJADAB)

Keywords

• Specialist insurance
• Community sector insurance
• Enterprise risk management
• Commercial property insurance
• Care services insurance

Headquarters

HQ city

Melbourne

HQ country

Australia

HQ region

Oceania

Offices7 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Insurance Premiums: Ansvar Insurance generates revenue through insurance premiums charged to organisations in its target sectors. As a specialist general insurer, it collects recurring premiums for coverage including business packages, industrial special risks, casualty, and financial lines.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels5 records

Core offering

Ansvar Insurance is an Australian specialist general insurer that underwrites tailored commercial insurance products (Business Packages, Industrial Special Risks, Casualty, and Financial Lines) for community-serving organisations. The company also delivers Enterprise Risk Management (ERM) services, sector-specific safeguarding expertise, and proprietary risk self-assessment tools to organisations in the care, community, faith, education, heritage, and commercial property sectors. It operates as part of the UK-based Benefact Group and is licensed by APRA under Australian Financial Services Licence No. 237826.

Product overview

Ansvar Insurance operates as a specialist insurance and risk management provider for the Care Services, Community Services, Learning and Education Services, Faith Communities, Arts, Culture and Heritage, and Commercial Property Owner sectors. The core insurance portfolio consists of four main products: Business Packages, Industrial Special Risks, Casualty, and Financial Lines. These are complemented by a specialized add-on covering Physical and Sexual Abuse (PSA) protection for organizations serving vulnerable populations. Beyond insurance, Ansvar offers an integrated ERM Solutions suite comprising RMA Online (a risk maturity self-assessment tool), Enterprise Risk Management consulting services, Risk Health Checks, and an extensive library of risk tools and resources including sector-specific guidance on cybersecurity, incident management, property protection, events, and safeguarding.

Differentiator

Problem solved

Functional benefit

Products and services

• Business Packages Comprehensive insurance packages tailored for organisations in the Care and Community sectors, combining multiple coverage types into a single policy.
• Industrial Special Risks
• Casualty
• Financial Lines
• Physical and Sexual Abuse (PSA) Cover
• RMA Online (Risk Maturity Self-Assessment)
• Enterprise Risk Management (ERM) Services
• Risk Health Check
• Risk Tools and Resources
• Risk Consultancy

Quantifiable outcome

• AM Best Financial Strength Rating of A- (Excellent) with stable outlook
• +2 more outcomes

Named customers4 records

Segments6 records

Ideal customer profiles6 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

Four partnerships are on record, tiered core and minor.

• InteractivecoreTechnology or Integration · 12 February 202615-year partnership with Interactive, an Australian technology services provider. The relationship evolved from basic hardware servicing to comprehensive technology support including cloud transitions, security uplift, and strategic planning. Interactive has enabled Ansvar to modernise operations while maintaining compliance standards.
• Benefact GroupcoreOthersAnsvar Insurance is a member of the Benefact Group, an international family of organisations that exists to give back all available profits to good causes. The group includes Ecclesiastical Insurance Office plc which provides significant intra-group reinsurance protection and has historically supported Ansvar through capital injections.
• Business 360minorImplementation/ SI/ Consulting PartnerPart of Ansvar's Preferred Partner Network. Business 360 offers workplace consulting with 20+ years of experience, providing HR and WHS solutions including policies, employment contracts, award entitlements, and workforce management.
• Hetty Johnston (Bravehearts Foundation)minorImplementation/ SI/ Consulting PartnerPart of Ansvar's Preferred Partner Network. Hetty Johnston AM founded Bravehearts Foundation in 1997 and is a leading child protection advocate. She provides safeguarding consulting services to help organisations protect vulnerable people.

Scale indicators5 records

Recent moves6 records

Expansion highlights5 records

Others

• Arthur J. Gallagher & Co (Australia): Global insurance broker with strong specialty and community/not-for-profit practice in Australia. Comparable as a specialist intermediary serving Ansvar's target segments and a potential channel partner or competitor in broking-led specialty placement.
• Aon Australia: Major insurance broker and risk advisor operating in Australia. Comparable in that Aon places Ansvar-style specialty business on behalf of care/community/faith clients, making it both a distribution partner and indirect competitor via proprietary specialty practices.

Broad incumbents

• Suncorp Group: Major Australian general and banking insurer with strong commercial and community presence. Competes broadly in property/casualty but lacks Ansvar's specialist care/faith/education underwriting depth.
• Insurance Australia Group (IAG): Largest Australian general insurer (NRMA, CGU, SGIO, Swann). Overlaps with Ansvar in commercial property and casualty lines for SMB/community clients, but does not specialize in faith or safeguarding-led underwriting.
• QBE Insurance Group: Global commercial lines insurer with meaningful Australian operations. Overlaps in commercial package and casualty products for mid-market accounts but lacks the specialist care/faith/education niche.
• Allianz Australia: Subsidiary of global Allianz, offering broad commercial and personal lines in Australia. Comparable on commercial property/casualty products but does not match Ansvar's specialist nonprofit/community specialization.

Emerging players

• Adventist Risk Management: Specialist risk manager for Seventh-day Adventist institutions globally with focus on faith, education, and healthcare organizations. Comparable safeguarding/PSA exposure and mission-aligned ownership, though smaller scale and less commercial breadth than Ansvar.

Direct peers

• Catholic Church Insurance (CCI): Australian specialist insurer focused on Catholic faith, education, aged care, and community organizations. Directly comparable to Ansvar in vertical specialization, mutual/specialist structure, and PSA-adjacent safeguarding offerings.
• Ecclesiastical Insurance Office plc: UK-based sister entity under the Benefact Group and Ansvar's parent. Closest functional peer in the UK, sharing the same faith, heritage, education, and care/community specialization, intra-group reinsurance model, and charitable ownership ethos.
• Baptist Insurance Australia: Faith-community specialist insurer serving Baptist churches, schools, and community organizations in Australia. Comparable niche focus, broker-led distribution, and safeguarding-adjacent risk appetite.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/ansvarinsurance

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 records

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 Ansvar Insurance