Pacific International Insurance

What Pacific International Insurance does

Pacific International Insurance Pty Ltd is an Australian general insurer founded around 2000 and headquartered in Kotara, NSW, operating as a wholly-owned subsidiary of Badger International. The company is licensed by the Australian Prudential Regulation Authority (APRA) and authorized by the Reserve Bank of New Zealand as a Branch insurer, with an A.M. Best financial strength rating of B++ (Good) and an Actual Solvency Capital of AUD $137.8M yielding a 210.08% solvency ratio as of March 2026.

The company's core business is underwriting a diversified portfolio of personal and commercial insurance products across motor vehicle, pet, mobility equipment, professional indemnity, general liability, travel, sports, farm, and home/strata lines. Pacific operates a pure B2B partner distribution model, providing underwriting capacity and financial strength behind at least 12 partner brands including PD Insurance (car and pet), Blue Badge Insurance (disability specialist), Rapid Solutions (SMB professional indemnity and liability), Battleface and Cover Genius (travel), NIB and affiliated travel brands, Maxxia salary packaging products, Sure home and strata, and Prevail farm. Underwriting authority is delegated to managing general agents (MGAs) through binder arrangements, with additional distribution via salary packaging and novated lease providers.

Pacific generates revenue through insurance underwriting premiums (recurring) and managed binder arrangements with specialist MGAs. Operations are supported by approximately 51-100 employees across offices in Kotara, Newcastle, Sydney, and Takapuna (Auckland). The company's stated 'Soft Landings' philosophy and 20-plus years of Australian heritage anchor a brand strategy that targets digitally-enabled niche partners rather than direct consumer acquisition. Pacific recently accepted a temporary $10 million PCA adjustment from APRA following a prudential review of binder-partner governance, indicating active regulatory engagement to support continued scaling of the partner platform.

Name

Pacific International Insurance

Legal name

Pacific International Insurance Pty Ltd

Website

https://pacificins.com.au

Company type

Private

Founded year

2000

Operating status

Operating

Headcount range

51–100 employees

Short description

Pacific International Insurance is an APRA-licensed Australian general insurer that operates as a B2B underwriting platform, providing capacity and financial strength behind 12+ partner brands across motor, pet, disability, travel, sports, farm, and home insurance for the Australian and New Zealand markets.

Ownership category

akta.pro rank

Product category

General Insurance Underwriting

NAICS

Direct Property and Casualty Insurance Carriers (524126), Insurance Carriers (5241)

SIC

Insurance Carriers, Nec (6399)

akta.pro primary industry

Fleet & Commercial Auto Liability (FSAJABAA)

akta.pro secondary industry

General Liability Insurance (FSAJAMAE)

Keywords

• General insurance underwriting
• Motor vehicle insurance
• Pet insurance products
• Professional indemnity insurance
• Managing general agent

Headquarters

HQ city

Kotara

HQ country

Australia

HQ region

Oceania

Offices4 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Insurance Underwriting Premiums: Pacific International Insurance generates revenue through underwriting personal and business insurance products including motor vehicle, pet, mobility equipment, professional indemnity, and general liability insurance. Revenue is collected through insurance premiums paid by policyholders across Australia and New Zealand.
2. Binder Arrangements with MGAs: Pacific enters into insurance binder arrangements with specialist managing general agents (MGAs), providing delegated underwriting authority to partners who distribute insurance products under Pacific's brand and financial strength.

Go-to-market motion2 records

Distribution channels3 records

Marketing channels2 records

Core offering

Pacific International Insurance underwrites personal and business insurance products including motor vehicle, pet, mobility equipment, professional indemnity, and general liability insurance across Australia and New Zealand. The company operates a partner-centric distribution model, providing underwriting capacity to managing general agents (MGAs), salary packaging (novated lease) providers, and brand partners such as PD Insurance, Blue Badge Insurance, and Rapid Solutions, who distribute these insurance products to end customers.

Product overview

Pacific International Insurance is an Australian insurance company operating as an underwriting insurer and managing general agent platform. The company underwrites a portfolio of insurance products across multiple brands and partner relationships, including motor vehicle insurance (via PD Insurance and Blue Badge Insurance sub-brands), pet insurance (PD Insurance, Blue Badge Insurance, Fetch, Pets On Me, and multiple ThePetInsuranceCompany providers), mobility equipment insurance (Blue Badge Insurance), professional indemnity and general liability insurance (Rapid Solutions), travel insurance (Battleface, Cover Genius, NIB and affiliated brands), sports insurance (Miramar Sports), motor vehicle lease insurance (Maxxia/RemServ/Oly via salary packaging providers), farm insurance (Prevail), and home/strata insurance (Sure). Pacific International Insurance operates as the authorized underwriter while partner brands handle distribution and customer relationships.

Differentiator

Problem solved

Functional benefit

Brands

• PD Insurance: Insurance brand offering car insurance policies (comprehensive, third party fire and theft, third party property damage) and pet insurance plans (Emergency, Classic and Deluxe).
• Blue Badge Insurance
• Rapid Solutions

Products and services

• PD Insurance Car Insurance Three car insurance policies underwritten by Pacific International Insurance: comprehensive car insurance, third party fire and theft insurance, and third party property damage insurance. Sold to individual motorists via the PD Insurance digital brand.
• PD Insurance Pet Insurance Three pet insurance plans (Emergency, Classic, and Deluxe) underwritten by Pacific International Insurance and distributed via the PD Insurance brand.
• Blue Badge Disability Insurance Australia's first disability insurance specialist, offering comprehensive motor vehicle insurance for disability parking permit users and cover for wheelchairs, mobility scooters, wheelchair-accessible vehicles (WAVs), and converted cars. Underwritten by Pacific International Insurance.
• Rapid Solutions Business Insurance Professional indemnity and general liability insurance for businesses operating in urban pest and weed control, building inspections, agricultural pest and weed control, handyman and cleaning services, fumigation, lawn/garden/tree care, and methamphetamine testing. Underwritten by Pacific International Insurance.
• Travel Insurance Portfolio Travel insurance products underwritten by Pacific International Insurance, distributed through Battleface (international travel), Cover Genius (trip cancellation, personal electronics, baggage, emergency medical), and NIB and affiliated brands including Travel Insurance Direct, World Nomads, Everyday Insurance, National Seniors, and COTA.
• Pet Insurance Portfolio Pet insurance products underwritten by Pacific International Insurance, distributed through Fetch Pet Plan, Pets On Me, and The Pet Insurance Company (which serves Knose, Pet Circle, Petsy, Stella, and insurance.com.au).
• Miramar Sports Member Insurance Sports member insurance products including Member Insurance Plan and Group Personal Accident coverage, underwritten by Pacific International Insurance.
• Maxxia Motor Vehicle Lease Insurance Motor vehicle lease insurance products (Maxxia, RemServ, Oly) underwritten by Pacific International Insurance, offered through salary packaging (novated lease) providers.
• Prevail Extra Farm Insurance Farm insurance product (previously Argis) underwritten by Pacific International Insurance.
• Sure Home and Contents Insurance Home and contents insurance and residential strata insurance underwritten by Pacific International Insurance.

Quantifiable outcome

• 210.08% Solvency Ratio - significantly exceeds regulatory minimum requirements

Named customers3 records

Segments5 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

AI capability2 records

Feature1 record

Partnerships

Five partnerships are on record, tiered core and minor.

• PD InsurancecoreChannel Partner/ Reseller/ DistributorPD Insurance offers car insurance (comprehensive, third party fire and theft, third party property damage) and pet insurance plans (Emergency, Classic, Deluxe) underwritten by Pacific International Insurance. Pacific provides the underwriting capacity and financial strength behind PD Insurance's retail brand.
• Blue Badge InsurancecoreChannel Partner/ Reseller/ DistributorBlue Badge Insurance is Australia's first disability insurance specialist, offering motor vehicle insurance to disability parking permit users and comprehensive cover for wheelchairs, mobility scooters, WAVs and converted cars. Pacific underwrites these products.
• Rapid SolutionscoreChannel Partner/ Reseller/ DistributorRapid Solutions offers professional indemnity and general liability insurance for businesses in pest control, building inspections, handyman services, cleaning services, fumigation, lawn/garden/tree care, and more. Pacific provides the underwriting for these business insurance products.
• Managing General Agents (MGAs)coreChannel Partner/ Reseller/ DistributorPacific partners with digitally enabled niche businesses and specialist managing general agents through insurance binder arrangements. These partners distribute insurance products under Pacific's underwriting authority and financial strength.
• Salary Packaging (Novated Lease) ProvidersminorChannel Partner/ Reseller/ DistributorPacific has substantial expertise working with salary packaging (novated lease) providers, providing comprehensive motor and related insurance products to their customer bases.

Scale indicators6 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• QBE Insurance Australia: QBE is one of Australia's largest general insurers and a global P&C underwriter, competing with Pacific on motor, commercial and specialty lines with broader distribution and substantially larger balance sheet.
• Allianz Australia Insurance: Allianz is a global insurer with a sizable Australian P&C presence across personal and commercial lines. It overlaps with Pacific on commercial package and personal auto coverage while providing a benchmark for product breadth.
• Suncorp Insurance: Suncorp operates leading Australian P&C brands (AAMI, Suncorp, APIA, Shannons) across personal and commercial lines, directly competing with Pacific in motor and home/contents insurance at materially greater scale.
• Insurance Australia Group (IAG): IAG is Australia's largest general insurer (NRMA, CGU, RAA, Swann) writing motor, home and commercial P&C at significant scale. While far larger than Pacific, IAG competes for similar partner and direct-distribution opportunities across the same product categories.
• Chubb Insurance Australia: Chubb is a global specialty insurer with a strong Australian footprint in personal accident, professional indemnity and commercial lines. It competes with Pacific's specialty portfolio, particularly professional indemnity (Rapid Solutions) and travel-related products.

Direct peers

• Hollard Insurance Australia: Hollard is Australia's largest specialty insurer operating an MGA-led, partner-distributed P&C model closely analogous to Pacific's. Both firms underwrite for partner brands and niche customer segments across multiple lines, with similar risk-carrying and binder arrangement structures.
• Youi Insurance: Youi is a digitally-led Australian personal lines insurer with a multi-channel distribution approach. It overlaps with Pacific on motor and general insurance products distributed via digital channels and partner brands.
• Auto & General Insurance Australia: Auto & General is a mid-sized Australian insurer running an MGA-led, partner-distributed P&C model across motor, home and other lines. Comparable to Pacific in size, product breadth, and white-label underwriting strategy.

Emerging players

• Huddle Insurance: Huddle is an emerging Australian specialty insurer using a partner-led, digitally enabled model for niche P&C products. Its embedded underwriting architecture and use of Australian capital is comparable in concept to Pacific's binder-driven platform.
• Honey Insurance: Honey Insurance is an emerging Australian insurtech embedding home/contents coverage through partner relationships. Its B2B2C white-labelling approach overlaps with Pacific's OEM/embedded distribution model.

Market position

Strengths5 records

Weaknesses4 records

Competitive moat5 records

Key risks5 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/pacific-international-insurance-australasia

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 Pacific International Insurance