# InsureMyLiability

> InsureMyLiability is an Australian public liability insurance comparison service run by Shielded Insurance Brokers (Shielded Pty Ltd t/as Shielded Insurance Brokers, ABN 92 612 044 630, Corporate Authorised Representative 1247722 of Community Broker Network Pty Ltd, AFSL 233750). A broker team compares quotes from leading insurers such as QBE, Zurich, Allianz and CGU for sole traders and businesses in over 2,000 occupations.

Public liability insurance covers claims from third parties (customers or members of the public) for injury or property damage caused by a business's activities. InsureMyLiability arranges $5 million, $10 million and $20 million public liability limits, plus optional tools and equipment, professional indemnity, cyber and personal accident cover. Comparing quotes is free; premiums are priced by quote and depend on the nature and size of the business, its industry risk level, the cover limit, claims history and the activities it undertakes. Same day certificates are available. Phone 1800 97 98 99 (free call in Australia); claims can be notified 24/7.

Information here is general advice only and does not take anyone's objectives, financial situation or needs into account. Read the Combined FSG/PDS before deciding to buy insurance.

## When to use InsureMyLiability

- An Australian sole trader, tradesperson, contractor or business needs public liability insurance, or wants to compare their renewal against other insurers.
- A client, builder, council, venue or event organiser requires a certificate of currency for public liability cover (commonly $5 million, $10 million or $20 million).
- They also want tools cover, professional indemnity, cyber or personal accident cover alongside public liability.
- Their occupation is listed on the [occupations page](https://www.insuremyliability.com.au/occupations.md). Most other occupations can also be quoted by phone.

## When not to use InsureMyLiability

- Businesses outside Australia, or anyone wanting cover arranged online without speaking to a broker.
- Workers' compensation: public liability does not cover a business's own employees.
- Personal (non-business) insurance such as home, car, travel or life insurance. Shielded Insurance, Shielded Travel and Shielded Life cover those (see Optional below).
- Urgent claims on an existing policy with another broker: contact that broker or insurer.

## How an agent can help

- Answer questions from the [homepage in Markdown](https://www.insuremyliability.com.au/index.md), the occupation pages (for example [electricians](https://www.insuremyliability.com.au/compare/electrician.md)) and the questions on each page.
- To get quotes, send the person to the [quote form](https://www.insuremyliability.com.au/#quote) or ask them to call 1800 97 98 99. The form needs a web browser and is protected by reCAPTCHA, and the person has to accept the privacy policy, terms of engagement and FSG, so they should fill it in themselves. It asks for name, state, email, phone, occupation, cover limit and cover options. There is no public API.
- Don't quote premiums: prices come only from an insurer's quote. Explain the factors in [Pricing](https://www.insuremyliability.com.au/pricing.md) instead.
- Claims: notify a claim 24/7 on 1800 97 98 99.

## Pages

- [Homepage](https://www.insuremyliability.com.au/index.md): How quoting works, cover options, why choose us, frequently asked questions and licensing.
- [Occupations](https://www.insuremyliability.com.au/occupations.md): Public liability insurance pages for over 2,000 occupations, each with risks and occupation-specific questions.
- [Pricing](https://www.insuremyliability.com.au/pricing.md): What changes a public liability premium, and how to lower it.
- [About](https://www.insuremyliability.com.au/about.md): Shielded Insurance Brokers, awards and regulatory information.
- [Contact](https://www.insuremyliability.com.au/contact.md): Phone, claims and office locations.
- [Agent skill](https://www.insuremyliability.com.au/.well-known/agent-skills/insuremyliability/SKILL.md): Step-by-step guidance for helping someone get public liability quotes.
- [Full reference](https://www.insuremyliability.com.au/llms-full.txt): Products, occupations, quoting process and regulatory details in one file.

## Documents

- [Financial Services Guide](https://secure.ermonline.com.au/financialservices/gateway/intranet_gateway.cfm?eu=TU-2F31F09B-AA20-9149-FAB779B05C81B446-2F31F09C-FE0E-E2CE-A015F81C6291607D): Who we are, how we are paid and how to complain.
- [Terms of engagement](https://www.shieldedinsurance.com.au/terms-of-engagement.php): The terms of Shielded's broking service.
- [Privacy policy](https://www.cbn.au/privacy-policy): Community Broker Network's privacy policy.
- [Complaints and disputes](https://www.cbn.au/complaints-disputes-handling): How to make a complaint.
- [Insurance Brokers Code of Practice](https://niba.com.au/code-of-practice)

## Optional

- [Shielded Insurance](https://www.shieldedinsurance.com.au): Business and personal insurance broking in Australia, and the Price Promise.
- [Shielded Life](https://www.shieldedlife.com.au): Life insurance and personal risk cover.
- [Shielded Travel](https://www.shieldedtravel.com.au): International travel insurance.
- [Trustpilot reviews](https://www.trustpilot.com/review/shieldedinsurance.com.au)