What Insurance House does

Insurance House, trading as insurance.com.au, is an Australian digital insurance distribution platform that sells business, travel, and pet insurance products to Australian consumers and small businesses. The company operates as a wholly owned subsidiary of Steadfast, the largest general insurance broker network in Australasia, and is a member of the Insurance Brands Australia group, which brings nearly 40 years of operating history. It is an Authorised Representative (AR 443422) under Community Broker Network Pty Ltd (AFSL 233750), which enables it to distribute general insurance under a licensed framework, and works alongside underwriting partners led by Pacific International Insurance Pty Ltd.

The core product set comprises Business Insurance (with vertical-specific sub-products for Hair & Beauty professionals, Health Professionals including cosmetic nurses, Tradespeople, and Business Owners, plus bundled Professional Indemnity and Public Liability up to $20M), Travel Insurance (delivered through a partnership with battleface and underwritten by Pacific International Insurance), and Pet Insurance (delivered through The Pet Insurance Company under binding authority from Pacific International Insurance). Underlying technology is a self-serve digital platform supporting online quote generation, policy purchase, policy management, renewals, and claims lodgement, supplemented by phone-based service and contact forms. The platform is structured around occupation-specific digital pathways for business lines and partner portals (au-app.battleface.com, pet.insurance.com.au) for travel and pet.

Revenue is generated through commission on distributed premiums across the three product lines, with monthly billing options and annual limit/cover tiers in personal lines. Go-to-market is primarily direct-to-consumer via the owned website, augmented by association referral channels (PACFA, Keystone for psychologists), novated fleet distribution, and partner platforms. Marketing is digital-first, anchored on content marketing, organic search, TrustPilot social proof (4.6/5 across 1,200+ reviews), and email communications. The company reports serving over 30,000 Australians, with a small headcount of 11-50 employees consistent with a specialist digital distributor operating under parent-group infrastructure.

Name

Insurance House

Legal name

insurance.com.au Pty Ltd

Website

https://insurance.com.au

Company type

Private

Founded year

1986

Operating status

Operating

Headcount range

11–50 employees

Ownership category

akta.pro rank

Product category

General Insurance Distribution

NAICS

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

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

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

akta.pro secondary industries

Commercial Property Insurance (FSAJACAE), Public Liability (Premises/Operations) (FSAJADAD), Mid-Market Commercial Package (Package Policies) (FSAJAFAB), Pet Insurance (FSAJAKAG)

Keywords

• Business insurance distribution
• Professional indemnity insurance
• Pet insurance distribution
• Travel insurance distribution
• Digital insurance platform

Headquarters

HQ city

Melbourne

HQ country

Australia

HQ region

Oceania

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Business Insurance Premiums: Insurance.com.au generates revenue by distributing business insurance products (Professional Indemnity, Public Liability, Cyber, Commercial Property, Portable Contents, Business Package, Healthcare Professionals Civil Liability) to Australian businesses and professionals. Premiums are collected through policy purchases and renewals, with the company acting as an authorised representative distributing insurance on behalf of underwriting partners.
2. Travel Insurance Distribution: Travel insurance is distributed in partnership with battleface, with insurance.com.au acting as a distributor earning commission. Pacific International Insurance Pty Ltd underwrites the product. Customers can purchase travel coverage with customisable benefits for personal or business travel.
3. Pet Insurance Distribution: Pet insurance is promoted and distributed by insurance.com.au as an authorised representative of ThePetInsuranceCompany.com.au Pty Ltd, which acts under binding authority from Pacific International Insurance Pty Ltd. Revenue is generated through commission on policies sold for cats and dogs with annual limits of $25,000, $15,000, or $5,000.

Pricing tiers

Go-to-market motion1 record

Distribution channels5 records

Marketing channels6 records

Core offering

Insurance House (trading as insurance.com.au) distributes a portfolio of general insurance products to Australian consumers and businesses through a digital direct-to-consumer platform. Its core offerings are Business Insurance (including Professional Indemnity, Public Liability, Cyber Liability, Commercial Property, Business Package, Healthcare Professionals Civil Liability, and Portable Contents & Tools, with occupation-specific bundles for Hair & Beauty, Trades, Health Professionals, and Business Owners), Travel Insurance (delivered through a partnership with battleface), and Pet Insurance (delivered through a partnership with The Pet Insurance Company). The company acts as an Authorised Representative distributing insurance on behalf of underwriting partners such as Pacific International Insurance Pty Ltd.

Product overview

Insurance House (trading as insurance.com.au) operates as an online insurance distribution platform offering a portfolio of insurance products through a platform-plus-partnerships architecture. The core offering consists of Business Insurance (with specialized sub-products for various occupations including hairdressers, beauty professionals, cosmetic nurses, tradespeople, and health professionals), Travel Insurance (delivered through a partnership with battleface), and Pet Insurance (offered through a partnership with The Pet Insurance Company for cats and dogs). The business differentiates through intelligent simplified pathways providing quick quotes and purchases. The company is a wholly owned subsidiary of Steadfast, the largest general insurance broker network in Australasia, and serves as an Authorised Representative of Community Broker Network Pty Ltd.

Differentiator

Problem solved

Functional benefit

Products and services

• Business Insurance Comprehensive business insurance products tailored for Australian professionals and business owners, covering liability, professional indemnity, cyber, commercial property, and combined occupation-specific packages.
• Travel Insurance Customisable travel insurance solutions for Australian personal and business travellers, provided in partnership with battleface, covering cancellations up to $40,000 per person, trip delays, baggage, and optional Snow Pack add-on for snow sports equipment (up to AUD $300 per person).
• Pet Insurance Insurance for cats and dogs offered through partnership with The Pet Insurance Company, with customisable annual limits of $25,000, $15,000, or $5,000 (no sub-limits on conditions), excess options of $0, $75, or $150, and optional extras including Dental Illness, Supportive Therapies, and Behavioral Problems. Pets aged 6 weeks to under 9 years at entry.
• Hair & Beauty Professionals Insurance Combined Professional Indemnity (up to $20M), Public Liability (up to $20M), and Products Liability coverage for hair and beauty professionals including beauticians, hairdressers, nail technicians, and salon owners, with unlimited run-off and retroactive cover and 1-hour complimentary legal advice.
• Cosmetic Nurses Insurance Healthcare Professionals Civil Liability coverage tailored for cosmetic nurses, including coverage for medical Botox and cosmetic injectables, designed for registered nurses, enrolled nurses, and nurse practitioners working in cosmetic and healthcare fields.
• Portable Contents & Tools Insurance Coverage for portable business contents and tools that are moved between locations, protecting equipment for tradespeople and mobile professionals.
• Public Liability Insurance Public liability coverage protecting businesses against claims from third parties for injury or property damage arising from business operations.
• Professional Indemnity Insurance Professional indemnity coverage protecting professionals against claims arising from negligent services or advice, with occupation-specific tailoring.
• Cyber Insurance Cyber liability coverage protecting Australian small businesses against digital threats, data breaches, and cyber-related incidents.
• Commercial Property Insurance Building and contents insurance for commercial properties protecting physical business assets.
• Business Package Insurance Combined insurance package tailored for businesses offering multiple coverage types in a single policy.
• Healthcare Professionals Civil Liability Insurance Civil liability coverage specifically designed for healthcare professionals including comprehensive claims-made public and products liability cover.
• Novated Fleet Insurance Insurance offering for novated fleet arrangements, distributed via partner-driven fleet programs.
• Associations Insurance Insurance products designed for association members and groups, distributed via partnerships with professional bodies such as PACFA.
• Trades Insurance Insurance coverage designed for tradespeople and skilled workers including electricians, plumbers, and builders.
• Online Policy Renewal Service Online policy renewal service allowing customers to update details or renew coverage through a simplified digital pathway.

Quantifiable outcome

• Over 30,000 Australians protected across assets, businesses and livelihoods
• +1 more outcomes

Named customers1 record

Segments6 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Eight partnerships are on record, tiered minor and core.

• Keystone (Psychologist Partnership)minorGTM or Marketing Partner · 8 May 2026Insurance.com.au announced a new partnership with Keystone in May 2026 to support psychologists. This partnership is aimed at providing tailored insurance solutions and support services to the psychology profession.
• SteadfastcoreOthersInsurance.com.au is a wholly owned subsidiary of Steadfast, the largest general insurance broker network in Australasia. This parent relationship provides insurance.com.au with access to Steadfast's network infrastructure, insurer relationships, and market positioning as a dominant broker network in the region.
• Insurance Brands AustraliacoreOthersInsurance.com.au is a member of the Insurance Brands Australia group of companies, which has close to 40 years of experience helping over 30,000 Australians protect their assets, businesses and livelihoods. This group affiliation provides strategic and operational support across the insurance distribution business.
• battlefacecoreChannel Partner/ Reseller/ Distributorinsurance.com.au has partnered with battleface to provide customisable travel insurance solutions to Australian travellers. battleface administers the travel insurance product and insurance.com.au distributes it as a commissioned partner. Pacific International Insurance Pty Ltd underwrites the product.
• The Pet Insurance CompanycoreChannel Partner/ Reseller/ DistributorInsurance.com.au has partnered with The Pet Insurance Company to offer pet insurance covering cats and dogs. The Pet Insurance Company acts as an underwriting agency under binding authority from Pacific International Insurance Pty Ltd, which underwrites the pet insurance product. Insurance.com.au distributes the pet insurance as an authorised representative.
• Pacific International Insurance Pty LtdcoreTechnology or IntegrationPacific International Insurance Pty Ltd (ABN 83 169 311 193, AFSL 523921) is the primary underwriter for both the travel insurance (via battleface) and pet insurance (via The Pet Insurance Company) products distributed by insurance.com.au. Pacific provides the financial backing and risk-carrying capacity for these insurance products.
• Community Broker Network Pty LtdcoreChannel Partner/ Reseller/ DistributorInsurance.com.au Pty Ltd is an Authorised Representative (AFSRN 443422) of Community Broker Network Pty Ltd (ABN 60 096 916 184, AFSL 233750). This authorisation enables insurance.com.au to distribute general insurance products under CBN's Australian Financial Services Licence.
• PACFA (Psychotherapists and Counsellors Federation of Australia)minorGTM or Marketing PartnerInsurance.com.au maintains a partnership with PACFA, offering insurance products specifically designed for psychotherapists and counsellors, including professional indemnity coverage tailored to the mental health sector.

Scale indicators3 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• iSelect: Australian digital insurance and utilities comparison platform; directly comparable to insurance.com.au as a multi-line online insurance distributor targeting Australian consumers and SMBs with a similar direct-to-consumer digital model.
• Bow Wow Meow Pet Insurance: Australian pet insurance provider for cats and dogs; directly comparable as a pet insurance distribution competitor with similar annual limit and excess structures to insurance.com.au's pet product.
• Compare the Market Australia: Australian insurance and financial services comparison platform; directly comparable multi-line digital distribution competitor serving similar Australian consumer and SMB insurance buyers with a comparison-led model.
• Knose Pet Insurance: Australian pet insurance distributor offering similar cat and dog cover; directly comparable as a specialist pet insurance distribution competitor in the same Australian consumer segment.

Emerging players

• Honey Insurance: Australian digital home and contents insurer; comparable as an emerging digital-first insurance distribution competitor applying technology to simplify consumer insurance purchasing.
• Bingle: Australian direct-to-consumer car insurance brand owned by Suncorp; comparable as a digital-first insurance distribution competitor in the Australian market pursuing a similar low-friction online model.
• Huddle Insurance: Australian digital-first insurance distributor focused on streamlined online cover; comparable as a digital-native insurance distribution peer targeting Australian consumers with simplified online journeys.

Broad incumbents

• Aon Australia: Global insurance brokerage and advisory firm with significant Australian operations; comparable as a broad incumbent offering professional indemnity, public liability, and commercial insurance to similar SMB and professional clients, though at larger scale.
• Steadfast Group: Parent company and largest general insurance broker network in Australasia; comparable as the parent that owns insurance.com.au and as a broad incumbent whose network, insurer relationships, and capital allocation decisions shape the subsidiary's trajectory.
• Guild Insurance: Australian specialty insurer focused on professionals, trades, and associations; comparable as an established incumbent in the same niche segments (hair/beauty, healthcare, trades, associations) that insurance.com.au targets.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks6 records

Key highlights7 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 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 Insurance House