ACERTA
Acerta is the broker-intermediary division of Guild Insurance, distributing Commercial Property, Landlords, and Professional Indemnity insurance exclusively through Australian brokers via its proprietary Momentum underwriting platform.
- Company typePrivate
- Founded-
- HeadquartersMelbourne, Australia
- Headcount11–50
- GTM typeB2B
- OfferingServices
What ACERTA does
Acerta is the intermediary division of Guild Insurance Limited, an APRA-regulated Australian insurer carrying an A.M. Best A- (stable outlook) financial strength rating and over 60 years of operating history. The company distributes insurance products exclusively through Australian insurance brokers across three primary lines: Commercial Property Insurance (for retail, office, and industrial premises owners, combining building, contents, and business interruption), Landlords Insurance (with build-to-rent specialization), and a deep Professional Indemnity Insurance portfolio segmented by profession — covering Accountants, IT Consultants, Management Consultants, Real Estate Agents, Finance and Mortgage Brokers, Recruitment Consultants, Education Consultants, Travel Agents, Multimedia Consultants, and Miscellaneous Professionals, with combined public and products liability and maximum PI limits of $10M and PL limits of $20M.
The company's core technology is Momentum, a proprietary online underwriting platform exclusive to Acerta brokers that supports digital quoting, binding, and policy management, with whitelabeling, referrer network distribution, broking system integration, and payment gateway integration. Acerta operates from a Melbourne headquarters at 171 Collins Street and additional offices in Sydney (Level 47, 25 Martin Place) and a second Melbourne site (Level 6, 20 Bond Street).
The business model is intermediated insurance: Guild Insurance underwrites all policies and provides the rating backing, while Acerta operates the broker channel and the Momentum platform. Revenue is generated through insurance premiums with annual billing on a quote-based pricing model, and the go-to-market approach emphasizes broker exclusivity, prompt decision-making, dedicated underwriters, and competitive broker deals rather than direct-to-consumer distribution.
ACERTA firmographics
Firmographics- Name
- ACERTA
- Legal name
- Guild Insurance Limited
- Website
- https://acerta.com.au
- Company type
- Private
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Acerta is the broker-intermediary division of Guild Insurance, distributing Commercial Property, Landlords, and Professional Indemnity insurance exclusively through Australian brokers via its proprietary Momentum underwriting platform.
- Ownership category
- akta.pro rank
ACERTA industry classification
Industry- Product category
- Commercial Insurance
- NAICS
- Insurance Agencies and Brokerages (524210), Insurance Agencies and Brokerages (52421)
- SIC
- Insurance Agents, Brokers & Service (6411)
- akta.pro primary industry
- Specialty Insurance Brokerage (Marine, Aviation, Cyber, Professional Lines) (FSAEADAJ)
Keywords
Where ACERTA is headquartered
LocationHeadquarters
- HQ city
- Melbourne
- HQ country
- Australia
- HQ region
- Oceania
Offices3 records
Markets served
ACERTA business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales, Others
Revenue model
- Insurance Premiums: Acerta generates revenue through insurance premiums underwritten by Guild Insurance. The company acts as an intermediary division offering commercial property, landlord, and professional indemnity insurance products to brokers and their clients.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Annual | Professional Indemnity Insurance with combined Public and Products Liability |
Go-to-market motion1 record
Distribution channels1 record
Marketing channels1 record
ACERTA product offering
Product offeringCore offering
Acerta is the intermediary division of Guild Insurance Limited, underwriting and distributing three insurance product lines — Commercial Property, Landlords, and a profession-tailored Professional Indemnity suite — exclusively through accredited insurance brokers in Australia. Brokers transact via the proprietary Momentum online underwriting platform, which enables digital quote, bind, and policy management with whitelabeling and integration support. Coverage is backed by Guild Insurance's A.M. Best A- (stable) rating and over 60 years of Australian insurance experience.
Product overview
Acerta is the intermediary division of Guild Insurance Limited, offering a portfolio of insurance products through its proprietary Momentum digital platform. The core product suite includes Commercial Property Insurance for retail, office, and industrial premises, Landlords Insurance with flexible coverage options, and a comprehensive Professional Indemnity Insurance program. The Professional Indemnity offerings are tailored by profession, covering Accountants, IT Consultants, Management Consultants, Real Estate Agents, Finance and Mortgage Brokers, Recruitment Consultants, Education Consultants, Travel Agents, Multimedia Consultants, and Miscellaneous Professionals. Each PI product combines professional indemnity, public liability, and product liability coverage under one policy. The Momentum platform enables brokers to quote, bind, and manage policies digitally.
Differentiator
Problem solved
Functional benefit
Brands
- Momentum: An online underwriting platform exclusive to Acerta brokers that enables quote, bind, and manage policies.
Products and services
- Professional Indemnity Insurance Insurance tailored for professional advice, combining Professional Indemnity, Public Liability, and Products Liability in one policy. Maximum PI limit of $10,000,000 and maximum Public and Products Liability limit of $20,000,000; maximum fees limit of $10,000,000 (except Accountants and Finance and Mortgage Brokers, $5,000,000). Distributed exclusively through insurance brokers. Annual billing cadence.
- Commercial Property Insurance Comprehensive insurance designed for retail, office, or industrial premises, combining building, contents, and business interruption protection in one policy. Distributed exclusively through insurance brokers in Australia.
- Landlords Insurance Tailored landlord insurance with flexible options for combined building and landlord cover, customised landlord protection, or more specialised build-to-rent property coverage. Distributed exclusively through insurance brokers in Australia.
- Accountants Professional Indemnity Professional liability insurance specifically designed for accountants, covering their professional services and advice. Sub-product under the umbrella Professional Indemnity Insurance, with a reduced maximum fees limit of $5,000,000.
- IT Consultants Professional Indemnity Professional liability insurance for IT consultants covering their technology advisory and implementation services.
- Management Consultants Professional Indemnity Professional liability insurance for management consultants covering business advisory and consulting services.
- Real Estate Agents Professional Indemnity Professional liability insurance for real estate agents covering their property transaction and advisory services.
- Finance and Mortgage Brokers Professional Indemnity Professional liability insurance for finance and mortgage brokers covering financial advisory services, with maximum fees limit of $5,000,000.
- Recruitment Consultants Professional Indemnity Professional liability insurance for recruitment consultants covering placement, hiring, and HR consulting services.
- Education Consultants Professional Indemnity Professional liability insurance for education and training consultants covering educational advisory services.
- Travel Agents Professional Indemnity Professional liability insurance for travel agents and tour operators covering booking services, travel consultancy, and tour operations, with fidelity coverage of $50,000 automatically included.
- Multimedia Consultants Professional Indemnity Professional liability insurance for multimedia professionals covering advertising, marketing, graphic design, film, television, photography, publishing, and public relations services.
- Miscellaneous Professionals Professional Indemnity Professional liability insurance for miscellaneous professionals not covered by specific category offerings.
- Momentum Broker Platform Acerta's proprietary online underwriting platform enabling brokers to quote, bind, and manage Acerta insurance policies digitally. Exclusive to Acerta brokers, supports whitelabeling, broking system integration, payment gateway integration, and direct sales from broker websites.
Quantifiable outcome
- Maximum Professional Indemnity Limit of $10,000,000 and Public and Products Liability Limit of $20,000,000
Companies that use ACERTA
Customer profileSegments3 records
Ideal customer profiles3 records
ACERTA technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature1 record
ACERTA partnerships and signals
Strategic signalPartnerships
One partnership is on record.
- Guild InsurancecoreAcerta is the intermediary division of Guild Insurance. Guild Insurance underwrites all Acerta insurance products and provides the A.M. Best A- rating backing. Guild Insurance ABN 55 004 538 863, AFSL 233791.
Scale indicators3 records
Recent moves6 records
Expansion highlights5 records
ACERTA competitors and assessment
Company assessmentBroad incumbents
- Marsh Advantage Insurance: Australian arm of global broker Marsh, distributing commercial insurance to mid-market and corporate clients. Comparable as a leading Australian commercial insurance intermediary, but broader in product scope and customer size than Acerta.
- Arthur J. Gallagher & Co (Australia): Global insurance broker and risk management firm with significant Australian operations serving commercial clients via brokers and direct. Comparable as a large Australian commercial insurance intermediary, though much broader and larger than Acerta's niche.
- Aon Australia: Major global insurance broker with a large Australian presence serving commercial and professional clients. Comparable as a dominant Australian commercial insurance intermediary, though operating at much greater scale and across all lines rather than specializing in PI/property/landlord like Acerta.
- QBE Insurance Australia: One of Australia's largest general insurers underwriting P&C and specialty lines distributed via brokers. Comparable as a major Australian commercial insurer competing in property and specialty lines through broker channels, though QBE is a carrier itself rather than a captive intermediary division.
Direct peers
- Honan Insurance Group: Australian commercial insurance broker (now part of Aon) specializing in SME and professional risks distributed via brokers. Comparable to Acerta in targeting professional and commercial SME segments through intermediary distribution in Australia.
- Pacific Underwriting: Australian underwriting agency distributing specialty commercial insurance products via brokers. Comparable as a broker-channel MGA focused on niche commercial lines in the Australian market, similar in scale and distribution approach to Acerta.
- Steadfast Group: Australia's largest broker network distributing commercial insurance through a national panel of brokerages. Comparable because both rely on intermediated broker distribution in Australia and both serve SME/commercial lines, though Steadfast operates as a broker aggregator rather than a single-carrier-aligned intermediary.
- BizCover: Australian digital commercial insurance platform targeting SMEs and professionals with online quoting and binding. Directly comparable to Acerta in targeting SME/professional segments in Australia, but competing via a direct/aggregator model rather than Acerta's broker-exclusive channel.
- Insurance Manufacturers of Australia (IMA): Australian underwriting agency (MGA) providing specialty commercial insurance distributed via brokers. Highly comparable to Acerta as a broker-distributed, specialty-line underwriting agency operating in Australia, though IMA spans more product lines.
Emerging players
- NM Insurance: Australian specialty insurer/MGA focused on niche commercial and professional lines distributed via brokers. Comparable to Acerta in specialty-line underwriting and broker distribution in Australia, though with a different product mix.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat4 records
Key risks5 records
Key highlights6 records
Customer concentration
ACERTA social profiles
Digital presenceACERTA compliance and trust
Trust signalCompliance1 record
ACERTA financial estimates
Financial estimateRevenue estimate
Valuation estimate
ACERTA leadership team
Management profileNumber of profiles
Profiles7 records
ACERTA funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
ACERTA M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about ACERTA
What does ACERTA do?
Acerta is the intermediary division of Guild Insurance Limited, underwriting and distributing three insurance product lines — Commercial Property, Landlords, and a profession-tailored Professional Indemnity suite — exclusively through accredited insurance brokers in Australia. Brokers transact via the proprietary Momentum online underwriting platform, which enables digital quote, bind, and policy management with whitelabeling and integration support. Coverage is backed by Guild Insurance's A.M. Best A- (stable) rating and over 60 years of Australian insurance experience.
Is ACERTA a public or private company?
ACERTA is a private company. It is classified as corporate owned and is currently operating.
When was ACERTA founded?
ACERTA was founded in -1. It employs 11 to 50 people.
Where is ACERTA based?
ACERTA is headquartered in Melbourne, Australia, in the Oceania region.
How does ACERTA make money?
One revenue line is on record: insurance Premiums.
Who are ACERTA's main competitors?
Broad incumbents on record are Marsh Advantage Insurance, Arthur J. Gallagher & Co (Australia), Aon Australia and QBE Insurance Australia. Direct peers are Honan Insurance Group, Pacific Underwriting, Steadfast Group, BizCover and Insurance Manufacturers of Australia (IMA). NM Insurance is listed as an emerging player.
Does ACERTA have an API?
No public API is recorded for ACERTA.
What industry is ACERTA in?
ACERTA's product category is Commercial Insurance. Its primary akta.pro industry code is FSAEADAJ, Specialty Insurance Brokerage (Marine, Aviation, Cyber, Professional Lines). Its NAICS code is 524210 and its SIC code is 6411.