EBM Insurance Brokers

What EBM Insurance Brokers does

EBM Insurance Brokers (legal entity: Elkington Bishop Molineaux Insurance Brokers Pty Ltd) is a privately held Australian general insurance broker and risk management firm founded in 1975 in West Perth, Western Australia. The company operates across seven national offices spanning Western Australia (Perth headquarters plus a Kalgoorlie office serving mining clients), New South Wales (Sydney), Victoria (Melbourne), and Queensland (Brisbane plus an additional Queensland office), employing 251–500 staff including 100+ national client-facing professionals and serving over 5,000 clients. Its core offering comprises 14 insurance solutions (Business Insurance, Commercial Motor & Fleet, Cyber, Farm, Industrial Special Risk, Mining Explorers Package, Public/Products Liability, Workers Compensation, Strata, Trades, Corporate Travel, Cosmetics, Management Rights, Personal Insurances), a Financial Lines division (Directors & Officers, Management Liability, Professional Indemnity), and five risk services (Claims Management, Contract Reviews, Early Intervention Return to Work, Injury Management, Risk Solutions Network).

The business is a sales-led professional services firm that generates revenue via commissions from insurers and fees-for-service as disclosed in its Financial Services Guide. Distribution is conducted through dedicated account managers (contactable via a single 1300 number) with a supplementary online payment portal powered by Ebix for credit/debit card settlements up to A$20,000. The company holds AFSL 246986 issued by ASIC and operates three wholly-owned subsidiaries — EBM RentCover (landlord insurance), CoverLink Pty Ltd and EBM CoverLink (both acting as agents for Lloyd's Underwriters, providing access to London market specialty capacity). There is no proprietary technology platform; the underlying technology stack is service-delivery and back-office in nature.

The customer base is heavily weighted toward Australian SMEs (which comprise 99.8% of the ~2.7 million trading businesses in Australia) plus mid-market and select enterprise accounts across nine vertical industries: mining and mining services (primary), construction, agriculture, transport and logistics, manufacturing, marine, engineering, contractors, and not-for-profit. Named reference clients include Kennedy Drilling (~30-year relationship), Matthews Transport (20+ years), and Linneys (50+ years), indicating deep, multi-decade retention in regional and mid-market segments. Marketing is content-led via the Insurance Insights newsletter, webinars, and the annual Cyber Insights report, with revenue model anchored on commissions rather than disclosed subscription or SaaS pricing.

Name

EBM Insurance Brokers

Legal name

Elkington Bishop Molineaux Insurance Brokers Pty Ltd

Website

https://ebminsurance.com.au

Company type

Private

Founded year

1975

Operating status

Operating

Headcount range

251–500 employees

Short description

EBM Insurance Brokers is a privately held Australian insurance broker founded in 1975, offering 14 insurance solutions plus financial lines and risk services to 5,000+ clients across mining, construction, agriculture, transport, and manufacturing, delivered through 100+ professionals across seven national offices.

Ownership category

akta.pro rank

Product category

Insurance Broking and Risk Management

NAICS

Insurance Agencies and Brokerages (52421), Agencies, Brokerages, and Other Insurance Related Activities (5242)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Specialty Insurance Brokerage (Marine, Aviation, Cyber, Professional Lines) (FSAEADAJ)

Keywords

• Insurance broking services
• Commercial insurance solutions
• Risk management services
• Workers compensation insurance
• Professional indemnity coverage

Headquarters

HQ city

Perth

HQ country

Australia

HQ region

Oceania

Offices7 records

Markets served

GTM type

B2B

Offering type

Services

Revenue model

1. Insurance Broking Services: EBM provides insurance broking services, arranging insurance coverage on behalf of clients from various insurers. Revenue is generated through commissions from insurers and/or fees for service as detailed in their Financial Services Guide.

Pricing tiers

Go-to-market motion1 record

Distribution channels6 records

Marketing channels5 records

Core offering

EBM Insurance Brokers is an Australian insurance broking firm that arranges and manages insurance coverage on behalf of clients from multiple insurers, spanning business insurance, financial lines, and personal insurance products. The firm also provides complementary risk management services including claims management, contract reviews, injury management, and early intervention return-to-work support. EBM operates across seven office locations nationally and serves over 5,000 clients with a team of 100+ professionals.

Product overview

EBM Insurance & Risk is an Australian insurance broking firm offering a comprehensive portfolio of insurance products and risk management services. The core offering consists of 14 insurance solutions including Business Insurance, Commercial Motor & Motor Fleet, Corporate Travel, Cosmetics, Cyber Insurance, Farm Insurance, Industrial Special Risk, Management Rights, Mining Explorers Package, Personal Insurances, Public and Products Liability, Strata, Trades, and Workers Compensation. Additionally, the Financial Lines division provides Directors & Officers Insurance, Management Liability, and Professional Indemnity coverage. Supporting services include Claims Management, Contract Reviews, Early Intervention Return to Work Service, Injury Management, and Risk Solutions Network. The company also provides industry-specific expertise across Agriculture, Construction, Contractors, Engineering, Manufacturing, Marine, Mining & Mining Services, Not-for-Profit, and Transport & Logistics sectors.

Differentiator

Problem solved

Functional benefit

Brands

• EBM RentCover: Landlord insurance product brand operated by EBM, accessible via rentcover.com.au
• EBM CoverLink
• CoverLink

Products and services

• Business Insurance

Named customers3 records

Segments10 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Five partnerships are on record, tiered core, major and supporting.

• EBM RentCovercoreOthersEBM RentCover is a related entity specializing in landlord insurance. The company has a separate website at rentcover.com.au for landlord insurance queries.
• EBM CoverLinkcoreOthersEBM CoverLink is a related entity operating as an agent for Lloyd's Underwriters. Handles Lloyd's policies and provides complaints handling for Lloyd's underwritten policies.
• CoverLink Pty LtdcoreOthersCoverLink Pty Ltd is a related entity that acts as an agent for Lloyd's Underwriters. Involved in handling complaints for policies placed with Lloyd's underwriters.
• Lloyd's UnderwritersmajorTechnology or IntegrationEBM, through its related entities CoverLink and EBM CoverLink, acts as agent for Lloyd's Underwriters. Handles insurance policies issued by Lloyd's Underwriters with specific complaint handling procedures involving CoverLink and Lloyd's Australia.
• EbixsupportingTechnology or IntegrationEbix provides the online payment gateway for EBM's secure payment processing. Ebix uses high-grade encryption systems for data transmission over the internet.

Scale indicators4 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• AUB Group Limited: ASX-listed Australian insurance broker network operator with a member-based model including wholesale, brokerage, and underwriting agencies, comparable to EBM's mixed direct/wholesale distribution.
• Insurance House Group: Privately owned Australian insurance broker with multi-office national presence comparable to EBM, serving SME and mid-market clients across similar personal, commercial, and specialty lines.
• PSC Insurance Group: ASX-listed (PSI) Australian specialty insurance broker with multiple brands serving SME and mid-market clients across commercial, professional, and financial lines — directly comparable scale and approach to EBM's specialty and general lines portfolio.
• Honan Insurance Group: Privately owned Australian insurance broker comparable in size to EBM, serving SMEs and mid-market clients with a national multi-office footprint and similar specialty line capability including cyber and professional indemnity.
• Steadfast Group Limited: ASX-listed (SDF) Australia's largest general insurance broker network, with thousands of authorized broker members placing SME and mid-market business across all the same lines EBM services. Directly comparable in distribution model and customer focus.

Emerging players

• BizCover: Australian digital-first insurance comparison and placement platform targeting SMEs. Competes directly with EBM's SME segment using an automated model that bypasses the account-manager relationship model.

Others

• Lloyd's of London (Australian coverholders network): The London specialty insurance market which EBM accesses via CoverLink entities. Lloyd's is a key upstream partner/capacity provider rather than a competitor, but Australian coverholders using Lloyd's compete with EBM CoverLink for specialty placements.

Broad incumbents

• Arthur J. Gallagher & Co. (Australia): Global insurance broker with substantial Australian operations competing across all commercial, financial, and specialty lines EBM offers. Broader portfolio and deeper resources, but overlapping target customers.
• Aon plc (Australia): Global risk advisory and insurance brokerage with Australian operations directly competing with EBM on commercial and specialty placements; much larger scale with broader risk consulting capabilities.
• Marsh McLennan (Australia): Global insurance broker and risk advisor with Australian operations competing across the same commercial and specialty insurance lines offered by EBM, serving larger mid-market and enterprise accounts.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks7 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/ebm-insurance-risk
• Facebookfacebook.com/EBMInsurance
• Instagraminstagram.com/ebminsurance
• Xx.com/ebminsurance

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Subsidiaries3 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 EBM Insurance Brokers