The Fastest, Easiest Way to Get Business Insurance That Actually Works Backed by a 98% Claims Success Rate

For many licensed trades, such as building, plumbing, and electrical work, Public Liability insurance is often a compulsory requirement under state or territory licensing regulations. The specific level and type of cover required can vary depending on your occupation and where you operate.

Even where Public Liability insurance is not legally mandated, choosing to operate without it can expose you to substantial financial risk. If your business activities result in injury to a third party or damage to someone else’s property, you may be personally responsible for the associated costs, putting both your business and personal assets at risk.

Public Liability (PL) insurance is not universally required by law for every Australian business. However, there are a number of situations where maintaining this cover is a condition of operating.

Licensing Requirements: Certain occupations regulated by state or territory authorities require PL insurance as part of their licensing obligations. For instance, electrical contractors in Queensland must hold an appropriate PL policy to obtain or renew their licence.

Contractual Obligations: Businesses may also be required to carry PL insurance under the terms of a contract, lease, or service agreement. Commercial property owners, local councils, and principal contractors commonly specify minimum levels of cover before granting access to premises or work sites.
Regardless of whether it is a legal or contractual requirement, Public Liability insurance provides valuable protection against claims arising from third-party injuries or damage to property caused by your business activities.

If your business activities result in injury to a customer, visitor, client, or other member of the public, you could be legally obligated to cover compensation payments, legal expenses, and other associated costs. In the absence of Public Liability insurance, these financial obligations would need to be met directly by your business, potentially placing significant strain on its resources.

If your business interacts with customers, clients, or members of the public, or if your operations have the potential to cause damage to someone else’s property, Public Liability insurance should be considered. This type of cover can help protect your business from the financial consequences of third-party injury or property damage claims arising from your activities.

Public Liability insurance cover levels generally fall between $5 million and $20 million, with $10 million commonly regarded as the standard requirement for many small businesses. The appropriate level of cover will vary depending on factors such as the nature of your industry, any contractual obligations, and relevant licensing conditions.

Professional indemnity insurance (PII) is designed to protect professionals and businesses that provide advice or services. It helps cover the financial costs if a client claims that an error, oversight, or act of negligence in your work caused them a financial loss.

Professional Indemnity (PI) insurance helps protect service-based businesses if a client makes a legal claim alleging negligence, mistakes, omissions, or a failure to meet professional responsibilities. It covers expenses such as legal defence costs, investigations, and any compensation or damages that may be awarded to the client.

Whether you need Professional Indemnity (PI) insurance depends on the type of work you do and any contractual requirements you have. If your role involves providing advice, professional services, or design work, having PI insurance is usually important as it helps protect you against claims arising from negligence, mistakes, or omissions.

You may need Professional Indemnity (PI) insurance if your work involves:

Professional Indemnity (PI) insurance protects you against claims of negligence, errors, or omissions in your professional advice or services. However, there are several common exclusions to be aware of:

In Australia, professional indemnity (PI) insurance typically costs around $40 to $250 per month (about $480 to $3,000 per year) for standard coverage of $1 to $10 million. That said, the actual price can vary quite a bit depending on factors like your industry, business income, number of employees, and whether you’ve had any past claims.

No problem. Our free Zero-Gap Policy Health Check works alongside your current cover. We’ll show you any hidden risks, overlaps, or wasted spend, and if you’re already on the best deal, we’ll tell you straight. No pressure, no obligation.

On average, our clients cut 15–25% off their premiums without losing essential cover. That’s because we scan the entire market of 220+ underwriters, not just the easy options.

Unlike brokers who disappear, we personally manage the process from start to finish. With a 98% claims success rate, we fight on your behalf to make sure you get paid fast and fairly.

We specialise in hospitality, logistics, trades, retail, and property, but we work with SMEs across Australia. If you run a small-to-mid-sized business, we can tailor cover to your exact risks.

Most quotes are turned around same day. Once you give the go-ahead, we move quickly so your business is protected without downtime.

Never. We explain everything in plain English, upfront. You’ll always know what you’re paying for, what’s included, and where the exclusions are, before you sign.

Absolutely. You’ll always deal with a dedicated broker who understands your business, not a call centre. Call, email, or meet us face-to-face, whatever works for you.