From sole traders to growing businesses, we compare 10+ insurers to find public and products liability cover that suits your work. Same-day quotes available.
Trusted by 30,000+ clients Australia-wide
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Public & products liability, tools, business contents and professional indemnity
Whether a client, venue, council or head contractor is asking for your certificate of currency, or you just want peace of mind, we compare public liability across 10+ insurers so you can see price and cover side by side.
Three steps, and we do the legwork.
We go to 10+ insurers and come back with liability options that fit your business. Same-day quotes available.
Pick the option that suits and we handle the paperwork.
Named #1 Top Brokerage 2025, trusted by 30,000+ clients, and with you long after the policy is sold.
We arrange public liability every day for tradies, retailers, hospitality, event operators, consultants and businesses of every size.
Named #1 Top Brokerage 2025 and rated 4.9/5 on Trustpilot and 4.7/5 on Google from over 12,000 reviews.
We manage your renewals and update your cover as your turnover, work and contract requirements change.
Notify a claim 24/7. If someone is injured or their property is damaged, our team deals with the insurer for you.
“The claims experience was made so easy.” – Scott B., Google review
Real reviews from businesses we've arranged liability cover for across Australia.
“Ben has been absolutely outstanding to work with. He saved Goulburn Transport a substantial amount of money, and we couldn’t be happier with the result. His professionalism, knowledge, and can-do attitude were first class from start to finish. Ben went above and beyond, made the whole process simple, and delivered real value for our business.”
“I've been extremely happy with Shielded Insurance for my business public liability insurance. Their service has been professional, responsive and reassuring, giving me confidence that my business is properly protected. As a small business owner, having the right insurance cover is so important, and Shielded Insurance made the process straightforward and easy to understand.”
“I had an excellent experience with Shielded Insurance Brokers, and especially with Dan who looked after my claim. The entire process was handled with professionalism, patience, and clear communication from start to finish… His support genuinely made a stressful situation much easier to manage, and thanks to his help my business was able to keep running without interruption.”
“Great customer service. Sebastian took the time to understand exactly what I was looking for in relation to my business and public liability insurance. Thank you, Sebastian!”
“We as a business have entrusted Shielded insurance brokers for many years & will continue to do so. Their knowledge & expertise is exceptional & they go the extra mile no matter what. Great team, great service & always chasing the best deal!”
“I used Shielded Insurance to arrange public liability insurance for my owner-builder project and had a great experience. The process was straightforward, communication was clear, and they made everything easy to understand. They were helpful, responsive, and found the right cover for what I needed. Highly recommend their service.”
“We have been insured with Shielded for the last year and unfortunately had a break and enter and lost very valuable equipment. Alex Shipman and all the team at Shielded were excellent to deal with and managed my claim and had everything finalised fast. I’ve never had to make a claim like this and only ever heard bad stories so I assumed this was going to drag out for 6-9 months but I’d say we barely made it over 6 weeks. Very happy.”
“Shielded Insurance was easy and professional to deal with and Ben was friendly and helpful. He found me a very competitive public liability insurance policy quickly, and it was established over the phone there and then.”
“I had quotes from previous brokers and the pricing was outrageous. Kharn was my contact at Shielded. He was a legend. Did the work. Got multiple quotes fast, he was on the phone ringing me about any additional questions the insurance companies required from our company so he could get the quotes completed promptly. Highly recommend.”
“This is the first time I've purchased public liability insurance and was a bit in the dark about it. But Bradley made the whole process very easy and I've got a good price. Would recommend this company.”
“The service was professional, responsive, and efficient throughout my recent insurance claim. They took much of the stress and hard work off my shoulders, guided me through the process, and helped achieve a quick resolution. Communication was excellent, and I always felt supported and informed.”
“Fast turn-around on product liability insurance. Tricky underwriting caught others off-guard and caused delays, however Shielded delivered and provided the best deal amongst the rest. Though more importantly, they structured the policy to cover all bases and suit our needs. Highly recommended this team.”
“Have had a long and stressful challenge dealing with my insurer however it turns out that my insurance broker actually provides the help! Worth going through a broker that really knows their stuff.”
“Tim Cantwell from the very first conversation has been a pleasure to deal with! Knows his stuff, responds instantly and is always available. First class customer service!!! A++ Thanks Tim!!!!”
Build the cover your business needs. Mix and match on one quote.
Cover if your business activities cause injury to someone else or damage to their property.
Quote public liabilityCover for injury or property damage caused by products you make, import, sell or supply.
Quote products liabilityProtects your portable tools and equipment against theft and accidental damage, depending on the policy.
Quote tools coverCovers the contents, stock and equipment at your premises against events like fire, theft and storm.
Quote contents coverCovers claims arising from professional advice or services you provide.
Quote professional indemnityReviewed by Joshua Scutts, Shielded Insurance Brokers · Updated October 2026 · General information only
We know public liability insurance and what Australian businesses need from it.
Public liability insurance covers your legal liability if your business activities cause injury to another person or damage to their property. It typically pays compensation and legal defence costs, up to the limit of your policy. It's one of the most common covers for Australian businesses.
Public liability relates to injury or damage caused by your business activities, while products liability relates to injury or damage caused by products you make, import, sell or supply. The two are often combined in one policy, and products liability is particularly important if you manufacture, import or put your own brand on goods.
It isn't compulsory for every business by law, but it's often required in practice. Many clients, venues, councils, landlords and head contractors won't let you work without a certificate of currency, and some industry licences or associations may require it. Check any contract or licence conditions so you know what limit you need.
The right limit depends on the risks of your work and what your contracts, venues or licensing bodies require. Many contracts specify a minimum limit, so check those first. We can explain the options and help you choose a limit that fits.
Exclusions vary, but public liability typically doesn't cover injury to your own employees (that's workers compensation), damage to your own property or tools, claims arising from professional advice (that's professional indemnity), or liability from driving registered vehicles. Some high-risk activities may also be excluded or need to be declared.
Premiums depend on your occupation and the work you do, your turnover, where you work, whether you use subcontractors, your claims history, the limit of cover you choose and your excess. Higher-risk trades will typically pay more than low-risk office-based businesses.
Same-day quotes are available, and once you accept a quote we can often arrange cover and send your certificate of currency quickly, depending on the insurer and your occupation. Call us on 1800 97 98 99 if you need cover in a hurry.
If someone is injured or their property is damaged, or you receive a claim or letter of demand, contact us at Shielded Insurance on 1800 97 98 99 as soon as possible. Claims can be notified 24/7. Avoid admitting liability before speaking with us or the insurer.
