What Clear Insurance does

Clear Insurance Pty Ltd is a Brisbane-based, privately held insurance broking and risk advisory firm founded in 2010 by Lisa Carter. The company serves mid-market and enterprise businesses across more than ten specialized verticals, including clubs and hospitality, medical and allied health, construction, manufacturing, professional services, property owners, technology and start-ups, not-for-profits, and prestige/collectibles. Its core offering combines bespoke risk and insurance advisory with claims advocacy, risk identification, gap analysis, premium funding, and global insurance program placement, supported by a digital workflow platform that handles online enquiry forms, quote submission, and document management. The firm operates as an authorized representative of Insurance Advisernet Australia (AFSL 240549) and, since July 2023, holds its own Australian Financial Services Licence (AFSL 548953) as a Steadfast Group Network Partner, granting access to insurers including CGU, Chubb, Lloyd's, Vero, Zurich, QBE, and Allianz.

Revenue is generated through standard insurance brokerage commissions from insurers plus separately disclosed adviser service fees, with annual billing and quote-based pricing tailored to each client's risk profile and industry. The go-to-market is consultative and advisory-led, using a four-step engagement process (initial contact, risk analysis, gap analysis with review report, and tailored recommendations) and a multi-channel marketing mix spanning LinkedIn, Facebook, Instagram, blog content, industry events, and listings on NIBA and Advisr directories. In November 2025, parent entity Clear Group integrated the 18-person Phelan Caswell Insurances (formerly BHP Insurances) into Clear Insurance Ireland, marking the first identified cross-border expansion for the firm. The company is led by CEO and Managing Director Lisa Carter (over 25 years of industry experience, NIBA QPIB qualified) and Practice Manager Jen Bettridge (25 years of general insurance experience), supported by a team with 100+ years of combined expertise.

Clear Insurance has built a strong reputational profile, accumulating more than 30 industry awards between 2019 and 2026, including ANZIIF Small Broking Company of the Year (2022 winner, 2024 finalist), multiple Insurance Business Australia Elite Broker and Top Brokerage awards, Telstra Business Awards Queensland State Finalist (2023), and Insurance Business Australia CEO of the Year 2026 for Lisa Carter. Carter's appointment to the Reserve Bank of Australia's Small Business Finance Advisory Panel from 2023 to 2025 further extends the firm's institutional influence beyond pure commercial activity.

Name

Clear Insurance

Legal name

Clear Insurance Pty Ltd

Website

https://clearinsurance.com.au

Company type

Private

Founded year

2010

Operating status

Operating

Headcount range

1–10 employees

Short description

Clear Insurance is a Brisbane-based, privately held insurance broker and risk advisory firm serving mid-market and enterprise businesses across specialized verticals including hospitality, construction, manufacturing, medical, and technology, operating as a Steadfast Group Network Partner since 2023.

Ownership category

akta.pro rank

Product category

Commercial Insurance Broking

NAICS

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

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Mid-Market Commercial Package (Package Policies) (FSAJAFAB)

akta.pro secondary industries

Specialty Insurance Brokerage (Marine, Aviation, Cyber, Professional Lines) (FSAEADAJ), Professional Umbrella / Excess (E&O/D&O Wrap) (FSAJANAH)

Keywords

• Commercial insurance broking
• Risk advisory services
• Claims management
• Specialist industry insurance
• Business insurance solutions

Headquarters

HQ city

Ascot

HQ country

Australia

HQ region

Oceania

Offices2 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Insurance Brokerage Commissions: Clear Insurance acts as an insurance broker earning commissions from insurers for placing business. They also charge adviser service fees which are disclosed upfront to clients.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels8 records

Core offering

Clear Insurance is a Brisbane-based insurance brokerage that provides bespoke risk advisory and commercial insurance broking services to Australian businesses across niche verticals. Core services include tailored policy placement, claims advocacy and management, premium funding, global insurance programs, and risk identification and review engagements. The firm complements its broking work with disclosed adviser service fees rather than relying solely on commissions.

Product overview

Clear Insurance is a Brisbane-based insurance broking and risk advisory firm offering a unified platform of services and specialized coverage solutions. The core offering combines bespoke risk and insurance advisory with claims advocacy, risk identification, and review services. The company provides 24+ industry-specific insurance programs covering construction, hospitality, manufacturing, medical, professional services, property, technology, and not-for-profit sectors. Additional services include premium funding, global insurance programs, and specialized coverage types such as cyber insurance, professional indemnity, business interruption, and prestige insurance for high-value assets. The portfolio is structured around core advisory services supported by specialized industry practices and coverage products, all delivered through the Steadfast Group network.

Differentiator

Problem solved

Functional benefit

Products and services

• Bespoke Risk and Insurance Broking Tailored commercial insurance placement service for businesses across specialist verticals, providing bespoke coverage design, insurer selection, and policy recommendation led by in-house advisers. Targeted at business owners, directors, and risk managers seeking customised cover rather than off-the-shelf products.
• Claims Management End-to-end claims advocacy and management service that supports clients from incident notification through to settlement, including liaison with insurers and negotiation on outcomes. Designed for commercial policyholders who require dedicated broker-led claims support rather than self-service.
• Global Insurance Programs Coordinated international insurance program design and placement for businesses with operations or interests outside Australia, leveraging Steadfast Network partner markets for local policy issuance and master policy alignment.
• Premium Funding Arrangement of premium funding facilities that allow clients to spread the cost of annual insurance premiums across instalments rather than paying upfront, improving cash flow management for businesses and high-net-worth clients.
• Risk and Insurance Review Structured advisory engagement in which the broker assesses a client's existing insurance program against current operational risks, identifying gaps, duplications, and opportunities for coverage optimisation or premium reduction.
• Risk Identification Risk mapping and identification service that catalogues a client's exposures across operations, assets, people, and liabilities to inform insurance program design and prioritisation of cover.
• Prestige Insurance Bespoke personal insurance broking service for high-net-worth individuals, executives, and family offices, covering prestige homes, vehicles, collections, and personal liability with discretion and tailored underwriting placement.
• Construction and Trades Insurance Program Vertical-specialist insurance program covering builders, contract works, public liability, and workers compensation for construction firms and trade contractors, structured around project-based exposures and contract insurance obligations.
• Manufacturing Insurance Program Integrated insurance program for manufacturing and industrial businesses covering property, machinery breakdown, product liability, and business interruption on competitive terms tailored to plant and equipment exposures.
• Clubs and Hospitality Insurance Program Combined insurance program for clubs, hotels, pubs, restaurants, and licensed venues covering property, public liability, liquor liability, and workers compensation aligned to licensing and compliance requirements.
• Medical and Allied Health Insurance Program Specialist insurance program for medical, dental, and allied health practices covering professional indemnity, malpractice, and cyber liability aligned to professional registration and credentialing requirements.
• Professional Services Insurance Program Insurance program for accountants, lawyers, consultants, and other professional services firms covering professional indemnity, cyber, and management liability aligned to partnership deeds and client contractual requirements.
• Property Owners Insurance Program Insurance program for property owners and landlords covering landlord liability, property damage, and loss of rent aligned to ownership, refinancing, and lender requirements.
• Technology and Start-Ups Insurance Program Insurance program for technology companies and start-ups covering cyber liability, professional indemnity, and directors and officers liability, often structured to satisfy investor due diligence and enterprise client contractual requirements.
• Not-For-Profits Insurance Program Insurance program for not-for-profit organisations, charities, and community groups covering public liability, volunteer liability, property, and association liability aligned to governance and budget constraints.
• Drones and Aviation Insurance Program Specialty insurance program for drone operators and aviation businesses sourced through niche underwriting markets, covering hull, liability, and operational exposures that mainstream insurers typically decline or underprice.
• Hard-to-Place Insurance Program Specialty insurance program designed to place risks that mainstream insurers decline or underprice, leveraging Steadfast Network and niche underwriting markets to obtain coverage for unusual or distressed exposures.

Quantifiable outcome

• Clients saved $80,000 within 4 months through policy optimization
• +1 more outcomes

Named customers7 records

Segments10 records

Ideal customer profiles10 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

13 partnerships are on record, tiered core, minor and flagship.

• Phelan Caswell Insurances (BHP Insurances)coreStrategic or Co-development Partner · 1 November 2024Clear Group acquired Phelan Caswell Insurances in 2024 and integrated it into Clear Insurance Ireland as of November 1, 2025. The firm, founded in 1998, brings 18 staff and expertise in commercial insurance across construction, hospitality, and event sectors.
• Steadfast GroupcoreChannel Partner/ Reseller/ DistributorClear Insurance is part of the Steadfast Group, Australasia's largest general insurance broker network. This partnership provides access to a wide range of insurers, exclusive policy options, and competitive pricing through the network's scale. Clear Insurance operates as a Steadfast authorized representative.
• CGUminorOthersInsurance partner providing commercial and personal insurance products through Clear Insurance's brokerage services.
• ChubbminorOthersMajor global insurer partner providing specialty insurance solutions through Clear Insurance.
• Lloyd'sminorOthersGlobal insurance marketplace partner providing access to specialist insurance and reinsurance products.
• VerominorOthersAustralian insurer partner providing commercial and business insurance solutions.
• ZurichminorOthersGlobal insurer partner providing commercial and specialty insurance products.
• QBEminorOthersMajor Australian insurer partner providing a wide range of insurance products.
• Allianz AustraliaminorOthersGlobal insurer partner providing commercial and personal insurance products in Australia.
• Insurance Advisernet AustraliacoreChannel Partner/ Reseller/ DistributorClear Insurance operates as an authorized representative of Insurance Advisernet Australia (AFSL 240549), providing them with regulatory authorization to offer financial services.
• Queensland LeaderscoreStrategic or Co-development PartnerLisa Carter is the appointed risk and insurance expert for Queensland Leaders Business Forum, providing thought leadership and expertise to the business community.
• Gold Coast LeaderscoreStrategic or Co-development PartnerLisa Carter is the appointed risk and insurance expert for Gold Coast Leaders Business Forum, providing thought leadership and expertise to the business community.
• Reserve Bank of AustraliaflagshipStrategic or Co-development PartnerLisa Carter served as the only insurance representative on the Small Business Finance Advisory Panel for the Reserve Bank of Australia during her 3-year tenure from 2023 to 2025.

Scale indicators3 records

Recent moves6 records

Expansion highlights6 records

Broad incumbents

• Aon Australia: One of the largest global insurance brokers with a substantial Australian presence across commercial P&C, risk management, and specialty lines — broad incumbent that overlaps with Clear Insurance on mid-market commercial and specialty risk advisory.
• Arthur J. Gallagher Australia: Global insurance brokerage and risk management firm with strong Australian presence across mid-market and enterprise commercial lines — directly comparable to Steadfast-aligned mid-market advisory brokers, with broader scale.
• Marsh Australia: Global insurance and risk advisory firm with Australian operations across construction, manufacturing, hospitality, and professional services — competes on mid-market and enterprise commercial insurance broking, with deeper claims and reinsurance capabilities.

Others

• Steadfast Group Limited (ASX: SDF): Australasia's largest general insurance broker network and Clear Insurance's core channel partner; comparable at the network/aggregator level rather than as a direct competitor, but central to Clear Insurance's pricing leverage and competitive positioning.

Direct peers

• EBM Insurance Brokers: Mid-market Australian commercial insurance broker operating as an authorized representative within the Steadfast network, focused on construction, manufacturing, hospitality and allied health verticals — direct competitor with comparable network leverage and vertical depth.
• Honan Insurance Group: Melbourne-based Australian commercial insurance broker with vertical specialization in professional services, construction, hospitality, and healthcare — directly comparable mid-market advisory focus to Clear Insurance and a similar Steadfast/authorized-representative distribution model.
• InterRISK Australia: Brisbane/Sydney-based boutique commercial insurance broker focusing on professional indemnity and complex commercial risks — comparable advisory depth and target client profile to Clear Insurance's professional services and specialty verticals.
• McLardy McShane Insurance Brokers: Australian mid-market commercial insurance broker with similar vertical spread (allied health, professional services, construction) and authorized-representative distribution; competes for the same mid-market clients with comparable service-led value proposition.
• Insurance Advisernet Australia: Steward of Clear Insurance's AFSL (No. 240549) and Steadfast-network competitor operating as a similar authorized-representative broker model; comparable GTM, advisor-driven advisory sales motion, and access to the same network of insurers in Australia.
• Ausure Insurance Brokers: Large Australian aggregator network of authorized-representative brokers; competes with Clear Insurance for mid-market clients across similar verticals (hospitality, construction, professional services) using the same Steadfast-aligned authorized representative channel.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights7 records

Customer concentration

• Xx.com/Clear_Insurance
• Facebookfacebook.com/Clear-Insurance-180648595315448
• LinkedInlinkedin.com/company/2441848
• Instagraminstagram.com/clear_insurance

Compliance3 records

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 Clear Insurance