Guild Insurance

What Guild Insurance does

Guild Insurance is an Australian APRA-regulated specialist general insurer founded in 1963 by the Pharmacy Guild of Australia and headquartered in Melbourne as part of Guild Group Holdings Limited. It underwrites and distributes a focused portfolio of insurance products — professional indemnity, business insurance, workers compensation (across ACT, NSW Early Learning, NSW Pharmacy, Tasmania and Western Australia), home and contents, commercial motor, and travel — primarily to professionals and small businesses in over 30 industry verticals including allied health, dentistry, pharmacy, physiotherapy, veterinary practice, fitness, childcare, and hairdressing. Its consumer-facing pet insurance is sold under the Vets Choice sub-brand, backed by a 33-year partnership with the Australian Veterinary Association and distributed through vet clinics. The company is 100% Australian-owned, holds an A.M. Best A-stable outlook rating, and insures over 80,000 customers.

The business is built on an association-led distribution model: Guild works with 130+ professional and industry associations that endorse and refer its products to members, supplemented by a PolicyHub self-service portal for online quoting, policy management, claims lodgement, and certificate of currency access, plus phone-based insurance specialists. Operational and administrative functions are partially offshored to a Philippine subsidiary, Guild Solutions Inc. A RiskHQ content platform delivers risk management articles and checklists tailored to professional customers, and a Meridian Lawyers partnership provides preferred legal services to policyholders. Reported customer outcomes include an 87.25 claims lodgement satisfaction score, a 89.20 quote-and-buy liability satisfaction score (both classified Outstanding), and a 9-out-of-10 customer recommendation rate, with monthly NPS-style surveys feeding back into service improvement.

Revenue is generated primarily through recurring insurance premiums on annual and ongoing policy terms, with monthly instalment options, across a diversified mix of professional and consumer lines. The company does not publicly disclose revenue, and growth is driven by deeper penetration of existing verticals, state-by-state workers compensation expansion, partnerships (most recently EML Group in February 2026), and lifecycle cross-sell rather than large-scale geographic or M&A moves. Key recent milestones include joining the Cyclone Reinsurance Pool in July 2024, recognition as 2021 Small General Insurer of the Year, and a 2018 AFR Top 100 Most Innovative Companies ranking.

Name

Guild Insurance

Legal name

Guild Insurance Limited

Website

https://guildinsurance.com.au

Company type

Private

Founded year

1963

Operating status

Operating

Headcount range

101–250 employees

Short description

Guild Insurance is an Australian APRA-regulated specialist general insurer serving 80,000+ professionals and small businesses across 30+ verticals via 130+ association partnerships, the PolicyHub self-service portal, and the Vets Choice pet insurance sub-brand.

Ownership category

akta.pro rank

Product category

Specialty Insurance

NAICS

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

SIC

Insurance Carriers, Nec (6399)

akta.pro industry

PRIMARYFSAJAKAD

General Liability Insurance

Financial & Insurance/Insurance — Motor, Property & Casualty/Pet Insurance

SECONDARYFSAJAKAG

Pet Insurance

Financial & Insurance/Insurance — Motor, Property & Casualty/Pet Insurance

SECONDARYFSAJAKAH

Property Insurance (Homeowners, Renters & Commercial Property)

Financial & Insurance/Insurance — Motor, Property & Casualty/Pet Insurance

Keywords

• Professional indemnity insurance
• Business insurance
• Workers compensation
• Pet insurance
• Specialist insurance

Headquarters

HQ city

Melbourne

HQ country

Australia

HQ region

Oceania

Offices2 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance Premiums: Guild Insurance generates revenue primarily through collecting insurance premiums from policyholders across professional indemnity, business insurance, workers compensation, home & contents, and pet insurance product lines. Premiums are collected on annual or ongoing policy terms with billing cadences including monthly instalment options.
2. Vets Choice Pet Insurance: Pet insurance product underwritten by Guild Insurance and endorsed by the Australian Veterinary Association, distributed through vet clinics and direct consumer channels

Go-to-market motion1 record

Distribution channels5 records

Marketing channels5 records

Core offering

Guild Insurance is a specialist Australian insurer providing professional indemnity, business, workers compensation, home & contents, pet, travel, and commercial motor insurance products tailored to professionals and small businesses. The company underwrites policies directly and distributes them through its PolicyHub digital platform, phone-based specialists, and referral partnerships with over 130 professional associations, with its Vets Choice pet insurance sub-brand endorsed by the Australian Veterinary Association.

Product overview

Guild Insurance is a specialist insurance provider offering a comprehensive portfolio of insurance products designed for professionals and businesses in Australia. The core products include Professional Indemnity Insurance (covering civil liability from breaches of professional duty), Business Insurance (protecting business assets, property, and operations), Workers Compensation Insurance (by state/industry), Home & Contents Insurance, and Pet Insurance through the Vets Choice sub-brand. The company operates primarily through its PolicyHub self-service portal and RiskHQ risk management platform. Products are tailored for specific industries including allied health, dental, fitness, healthcare, childcare, veterinary, pharmacy, and various other professional sectors. Guild Insurance works with over 130 industry associations to deliver tailored coverage solutions.

Differentiator

Problem solved

Functional benefit

Brands

• Vets Choice: Pet insurance product endorsed by the Australian Veterinary Association, offering coverage for dogs and cats with a 33-year partnership between Guild Insurance and AVA

Products and services

• Professional Indemnity Insurance

Quantifiable outcome

• 9 out of 10 customers are likely to recommend Guild Insurance
• +2 more outcomes

Named customers5 records

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature2 records

Partnerships

Four partnerships are on record, tiered core.

• EML GroupcoreStrategic or Co-development Partner · 25 February 2026New partnership announced to strengthen insurance and claims capability nationally. EML Group provides workers compensation and claims management expertise to enhance Guild Insurance's service delivery across Australia.
• Australian Veterinary Association (AVA)coreGTM or Marketing Partner33-year partnership backing Vets Choice pet insurance product. The AVA endorses Vets Choice as the pet insurance product 'endorsed by vets for pets'. Guild Insurance underwrites the product while benefiting from AVA's professional endorsement and distribution through vet clinics.
• Meridian LawyerscoreImplementation/ SI/ Consulting PartnerGuild Insurance's preferred legal services partner providing tailored legal services to Guild Insurance customers. Meridian Lawyers are experts in corporate and commercial, employment, dispute resolution and property matters for allied health professionals and Guild's insured customers.
• Professional and Industry AssociationscoreGTM or Marketing PartnerGuild Insurance works with over 130 professional and industry associations who recommend and endorse Guild Insurance products to their members. Associations include pharmacy, dentistry, physiotherapy, veterinary, childcare, fitness, hairdressing, and many other professional peak bodies.

Scale indicators9 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Hollard Insurance Australia: Hollard Insurance is a privately held Australian multi-line insurer underwriting specialty and niche products via partnership channels, directly comparable to Guild's mid-size specialty distribution model. Both target niche customer segments via intermediary and partnership channels rather than mass-market direct acquisition.
• CGU Insurance: CGU, a brand under Insurance Australia Group (IAG), provides commercial and personal lines including professional indemnity and business insurance for SMEs, directly competing with Guild across professional and small business insurance segments in Australia.
• Pet Insurance Australia: Pet Insurance Australia is a direct-to-consumer pet insurance provider covering dogs and cats. Directly competes with Guild's Vets Choice brand for the same Australian pet insurance consumer segment, with comparable multi-tier product structures.
• Knose: Knose is an Australian pet insurance underwriter providing white-label policies for brands including RSPCA and Bupa. Operates as a direct competitor to Guild's Vets Choice in the pet insurance market using distribution through associations and digital channels comparable to Guild's model.
• Vero Insurance: Vero is a Suncorp-owned multi-line insurer providing commercial and personal lines including professional indemnity and business insurance to Australian SMEs. Directly competes with Guild for similar professional and small business customer segments.

Broad incumbents

• QBE Insurance Group: QBE is one of Australia's largest general insurers and a top-10 ASX-listed insurer with diversified commercial and personal lines including professional indemnity. It underwrites at materially greater scale than Guild and competes on breadth and pricing across multiple of Guild's product lines.
• Allianz Australia: Allianz is a major global insurer with multi-line Australian operations including commercial, personal, and workers compensation products. Provides broad-based competition to Guild across professional indemnity, workers compensation, and personal lines.
• Insurance Australia Group (IAG): IAG is Australia's largest general insurer, parent of NRMA, CGU, SGIO, SGIC, and WFI, underwriting personal and commercial lines at scale. Acts as a broader incumbent competitor across property, motor, and small business products that overlap with Guild's portfolio.

Others

• Aon Australia: Aon is one of the world's largest insurance brokerages with substantial Australian operations. Operates a different business model (intermediary rather than underwriter) but heavily competes for placement of professional indemnity and commercial insurance for allied health and SME clients that Guild targets directly.

Regional players

• icare NSW: icare is the NSW government-owned workers compensation and lifetime care scheme insurer. Competitively relevant to Guild's NSW workers compensation book (Early Learning and Pharmacy) and operates at a regional/state-based scale rather than nationally competing across all states.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks5 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/Vets-Choice-insurance-104368940982653
• LinkedInlinkedin.com/company/guildinsuranceau
• Instagraminstagram.com/vets.choice
• Xx.com/GuildInsurance

Revenue estimate

Valuation estimate

Number of profiles

Subsidiaries1 record

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 Guild Insurance