ATC Insurance Solutions

What ATC Insurance Solutions does

ATC Insurance Solutions Pty Ltd is a specialist Australian underwriting agency founded in 2006 and headquartered in Melbourne, operating as a Lloyd's Coverholder (AFSL 305802) that binds business on behalf of Lloyd's underwriters and major Australian insurers. The company underwrites and distributes niche and complex-risk insurance products across five core divisions — Construction, Plant & Machinery, Cyber, Sports/Leisure/Events, and Accident & Health (Protect) — plus specialised offerings for electrical contractors (Trade Pack) and Electrical Trades Union members (ETU Travel). ATC has expanded through acquisition, bringing MB Insurance (prestige vehicles, 2021), Sterling Insurance (liability, professional indemnity and aviation, 2025), and Frontier Global Underwriting (Financial Lines D&O/PI/Crime plus Bastion Risk Partners London Market broking, 2026) under the ATC Group umbrella while preserving each brand's identity.

The business operates a broker-centric distribution model: retail products are largely placed through insurance brokers using a dedicated Broker Portal, with direct customer sales representing a small share of volume and a self-service Cyber Portal enabling 24/7 instant quoting and binding for cyber cover. Underlying technology includes the Cyber Portal for automated cyber quote-to-bind workflow, the Broker Portal for slip submission and policy management, and an in-house claims management system backed by a dedicated claims team with executives averaging more than 10 years' experience. An integrated 24/7 cyber incident response hotline is delivered in partnership with Atmos, one of APAC's largest dedicated First Response teams.

ATC earns revenue primarily through insurance commissions paid by capacity providers (Lloyd's underwriters and major Australian insurers) on issued, varied or renewed premiums under binding authority, supplemented by policy service fees and premium funding referral commissions. Pricing is quote-based and risk-specific, with no publicly disclosed standard tiers. The company operates from four Australian offices (Melbourne, Sydney, Brisbane, Perth) and serves the Australian and New Zealand markets, with Frontier's acquisition extending reach into Asia, Latin America, the Caribbean, Africa, Eastern Europe and the Middle East.

Name

ATC Insurance Solutions

Legal name

ATC Insurance Solutions Pty Ltd

Website

https://atcis.com.au

Company type

Private

Founded year

2006

Operating status

Operating

Headcount range

11–50 employees

Short description

ATC Insurance Solutions is a Melbourne-based Australian Lloyd's Coverholder underwriting agency that writes and distributes niche insurance — construction, plant & machinery, cyber, sports/leisure/events, and accident & health — across Australia and New Zealand via brokers, augmented by three acquired specialist brands.

Ownership category

akta.pro rank

Product category

Specialty Insurance Underwriting

NAICS

Insurance Agencies and Brokerages (52421), Insurance Agencies and Brokerages (524210), Other Insurance Related Activities (52429)

SIC

Insurance Agents, Brokers & Service (6411), Fire, Marine & Casualty Insurance (6331)

akta.pro primary industry

Policy Administration, Underwriting & Rating Platforms (Core Insurance SaaS) (FSAGAGAB)

akta.pro secondary industries

Professional Liability (Errors & Omissions) (FSAJADAB), Technology Errors & Omissions (Tech E&O) / Professional Liability (FSAJAOAC)

Keywords

• Specialty underwriting agency
• Lloyd's coverholder
• Construction insurance
• Cyber insurance
• Accident health insurance

Headquarters

HQ city

Melbourne

HQ country

Australia

HQ region

Oceania

Offices4 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Insurance Commission: ATC receives commission from insurers when issuing, varying or renewing insurance products. Commission is a percentage of the insurance premium (exclusive of GST, stamp duty and other government taxes, fees or charges). ATC acts as agent for Lloyd's underwriters and major Australian insurers under binding authority.
2. Policy Fees: ATC may charge fees for services in addition to commission received from insurers. The amount varies depending on customer requirements.
3. Premium Funding Commission: If premium funding is arranged for customers through a premium funder, ATC receives commission based on a percentage of the premium.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels4 records

Core offering

ATC Insurance Solutions is a specialist Lloyd's underwriting agency that designs, underwrites and distributes niche and complex-risk insurance products across Construction, Plant & Machinery, Cyber, Sports/Leisure/Events, Accident & Health, Trade Pack (electricians), and ETU Travel, under binding authority from Lloyd's and major Australian insurers. Products are sold mainly through insurance brokers (with limited direct retail and an online Cyber Portal), supported by an in-house claims team handling end-to-end claims management.

Product overview

ATC Insurance Solutions operates as a specialist Lloyd's underwriting agency offering a portfolio of insurance products across multiple lines: Construction, Plant & Machinery, Cyber, Sports/Leisure/Events, Protect Injury & Sickness, Trade Pack (Electricians), and ETU Travel. The company has grown through acquisitions, adding MB Insurance (prestige vehicles, 2021), Sterling Insurance (liability/aviation, 2025), and Frontier Global Underwriting (Financial Lines, 2026). Products are distributed through insurance brokers with in-house claims handling. The Cyber product includes a web-based Cyber Portal for quoting and binding.

Differentiator

Problem solved

Functional benefit

Brands

• MB Insurance: Part of ATC Group; Lloyd's underwriting agency specializing in prestige, luxury, sports, high performance, classic and vintage vehicles
• Sterling Insurance
• Frontier Global Underwriting
• Bastion Risk Partners

Products and services

• Construction Insurance Insurance coverage for all types of construction, engineering and contract works programs, including single building contracts (commercial, industrial, residential), annual building contracts, civil contracts, and electrical/mechanical engineering projects. Designed for construction contractors needing contract works, public liability and excess layer liability cover.
• Plant & Machinery Insurance Material damage and liability coverage for plant and machinery across diverse industries, from single items to large fleets with asset values in the hundreds of millions, covering earthmoving equipment, drilling rigs, access equipment, mining equipment, and truck-mounted plant.
• Cyber Insurance Cyber insurance coverage for Australian and New Zealand businesses offering protection against cyber threats including Data & Privacy Liability, Business Interruption Loss, Funds Transfer Fraud, and 24/7/365 Cyber Incident Response with local Australian support via Atmos First Response Team. Limits up to AUD 5,000,000 Any One Claim for businesses with revenue up to AUD 250M.
• Sports, Leisure & Events Insurance Insurance programs for sporting, leisure and event risks including liability, personal accident, travel and general property coverage for amateur and professional sportspeople, sporting clubs, fitness centres, venues and one-off events.
• Protect Injury & Sickness Injury and sickness insurance for Australian and New Zealand workers across industries including electrical, manufacturing, firefighting and maritime, providing weekly income protection, lump sum death benefits, serious trauma benefits, dental benefits, and broken bones benefits. Administered with Protect.
• Trade Pack - Electricians Trade insurance package for electrical and renewable energy contractors offering public liability coverage (up to AUD 5M, AUD 10M or AUD 20M limits) and general property coverage for tools of trade (up to AUD 20,000 combined cover), designed for sole traders and established electrical contractors.
• ETU Travel Insurance Travel insurance arranged for eligible Electrical Trades Union (ETU) members covering domestic and international travel with benefits including overseas medical expenses, emergency evacuation, trip cancellation, flight delay, luggage loss/theft/damage, rental vehicle excess, and accidental death benefits. Distributed via the ETU member portal.
• MB Insurance Specialist insurance for prestige, luxury, sports, high performance, classic and vintage vehicles along with hard-to-place vehicles including American and Japanese low volume imports. Established in 1989, now part of ATC Group.
• Sterling Insurance Specialist wholesale intermediary and underwriting agency offering general liability, professional indemnity and aviation insurance for niche or complex risks in Australian and New Zealand markets, distributed via wholesale brokers.
• Frontier Global Underwriting Specialist Financial Lines MGA and Lloyd's coverholder providing bespoke risk transfer solutions across D&O, Professional Indemnity, Crime and Cyber with focus on complex difficult-to-place and emerging risks including digital assets, financial institutions, fintech and technology driven businesses.

Quantifiable outcome

• In-house claims team with executives averaging over 10 years' experience
• +1 more outcomes

Named customers3 records

Segments7 records

Ideal customer profiles7 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature2 records

Partnerships

Eight partnerships are on record, tiered core.

• Frontier Global UnderwritingcoreStrategic or Co-development Partner · 4 May 2026ATC acquired Frontier Global Underwriting on 4 May 2026. Frontier is a specialist Financial Lines MGA and Lloyd's coverholder founded in 2019, providing bespoke risk transfer solutions across D&O, Professional Indemnity, Crime and Cyber. The acquisition includes Bastion Risk Partners, Frontier's London Market wholesale broking arm. Frontier's co-founders Sophie Fraser and Joel Pridmore continue to lead the business.
• Sterling InsurancecoreStrategic or Co-development Partner · 2 June 2025ATC acquired Sterling Insurance on 2 June 2025 (second acquisition following MB Insurance in 2021). Sterling is a specialist wholesale intermediary, including an underwriting agency and wholesale broker, offering tailored insurance solutions for niche or complex risks in Australia and New Zealand. Sterling continues to operate under its established brand with its executive team intact.
• AtmoscoreTechnology or IntegrationAtmos is Australia and New Zealand's leading legal and advisory firm specializing in cyber, privacy and digital risk services. They provide the Atmos First Response team - one of the largest dedicated First Response teams in the APAC region - to handle cyber incident response for ATC's cyber insurance policyholders 24/7, 365 days a year.
• ProtectcoreTechnology or IntegrationProtect administers the Protect Injury and Sickness insurance product, which is issued by ATC Insurance Solutions. Protect provides global income protection cover for workers 24/7, with dedicated Protect Field Officers available for assistance. ATC handles underwriting while Protect manages policy administration.
• Electrical Trades Union (ETU)coreChannel Partner/ Reseller/ DistributorATC provides ETU Travel Insurance arranged specifically for eligible Electrical Trades Union (ETU) members. ETU members access coverage through their member portal, receiving comprehensive travel insurance for both domestic and international travel. ETU serves as the distribution channel for this specialized product.
• MB Insurance GroupcoreStrategic or Co-development PartnerMB Insurance Group is part of the ATC Group, established in 1989. It is an Australian Lloyd's underwriting agency specializing in insurance solutions for prestige, luxury, sports, high performance, classic and vintage vehicles, as well as hard-to-place vehicles such as American and Japanese low volume imports.
• Lloyd's of LondoncoreOthersATC acts as a Coverholder at Lloyd's, binding authority to issue insurance products on behalf of Lloyd's underwriters. Lloyd's provides the security, flexibility and expertise of the world's specialist insurance and reinsurance market. ATC's insurance products are underwritten by Lloyd's and major Australian insurers.
• Major Australian InsurerscoreOthersATC's insurance products are underwritten by major Australian insurers in addition to Lloyd's, providing diversified capacity and risk distribution across multiple carriers.

Scale indicators6 records

Recent moves7 records

Expansion highlights4 records

Direct peers

• Dual Australia: Dual Australia is a specialist underwriting agency and MGA writing a portfolio of niche lines through brokers under binding authority, similar to ATC's model. Both distribute through brokers, focus on specialty/complex risks rather than commodity lines, and operate across multiple verticals rather than one.
• Honan Insurance Group: Honan is an Australian specialist insurance broker and underwriting agency with multi-product capability across construction, plant & equipment, liability, and cyber. Both Honan and ATC operate multi-vertical specialty distribution through brokers in the ANZ market.
• Coverforce: Coverforce is an Australian underwriting agency and broker network distributing niche and specialty products through broker partners. Like ATC, it operates as an MGA writing binding authority business on behalf of insurers, including Lloyd's, with multi-vertical coverage.
• BlueRock Insurance (BFL Insurance / BlueRock): BlueRock Insurance (formerly BFL Insurance) is an Australian specialist underwriting agency and broker focused on niche and complex risks across liability, professional indemnity, and specialty lines. It competes directly with ATC's Sterling Insurance subsidiary and ATC's core underwriting agency model in the ANZ MGA market.

Broad incumbents

• Steadfast Group: Steadfast is Australia's largest insurance broker network and also owns underwriting agencies. It is a broader incumbent serving mainstream and specialty lines via a national broker network, comparable to ATC's broker-distributed model but at much larger scale.
• Aon Australia: Aon is one of the largest global insurance brokers and risk advisors, with a substantial Australian presence. While not a Lloyd's Coverholder MGA like ATC, Aon places complex and specialty risks across all major product lines, including construction, cyber, and financial lines, directly competing for the same broker-allocated risks.
• Marsh Australia: Marsh is a major global insurance broker and risk advisor operating in Australia. It serves enterprise clients across construction, cyber, financial lines, and specialty risks, placing business with Lloyd's and major carriers — overlapping with ATC's placement market at the broker/customer interface.
• Insurance Australia Group (IAG): IAG is Australia's largest general insurer, writing personal and commercial lines through multiple brands including CGU and others. It is a broad incumbent carrier that ATC brokers place business with and against, operating at much larger scale across P&C, construction, and specialty.
• QBE Insurance Australia: QBE is a major global insurer with a significant Australian commercial lines business covering construction, liability, and specialty. It is a key capacity provider in the ANZ market that ATC partners with and against, serving the same broker channel.
• Allianz Australia: Allianz is a global insurer with a substantial Australian commercial lines franchise covering construction, liability, marine, and specialty. It is one of the 'major Australian insurers' that provides capacity to ATC and competes for similar broker-distributed specialty risks.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks7 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/atc-insurance-solutions

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles13 records

Subsidiaries4 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 ATC Insurance Solutions