Simple Cover
Get my quote
Insurance, made simple

Public liability insurance foreveryone.

It's the cover most clients and contracts expect you to have.

Get my quoteWhat's covered
Licensed & Australian60-second submissionThe right cover, sorted

Quick Quote

60 seconds

Financial support if you can't work due to injury or illness.

No obligation. Subject to eligibility and underwriting.

  • 5.0on Google
  • 20+Australian insurers compared
  • 19,000+Australians helped
Why Simple Cover

We compare your options, arrange the cover, and answer the phone when it matters.

0+
Insurer panel
0s
Quote submission
0,000+
Australians helped
0
Occupations covered
Who we cover

Whatever you do, we can help cover it.

From sole traders to growing teams, across just about any occupation.

Tradies covered by Simple CoverTradies
Cleaners covered by Simple CoverCleaners
Mechanics covered by Simple CoverMechanics
Landscapers covered by Simple CoverLandscapers
Scaffolders covered by Simple CoverScaffolders
Arborists covered by Simple CoverArborists
What can be included

One policy that keeps you on the job.

Public liability insurance is the cover most clients and contracts require. It protects your business against claims from third parties, and many sole traders choose to add personal accident cover for extra peace of mind.

Injury to Other People

Can cover claims if a customer, client or member of the public is injured because of your work.

Get a quote

Damage to Their Property

Can cover damage you cause to someone else's property, like a client's home, gear or premises.

Get a quote

Legal & Defence Costs

Can cover the legal costs of responding to a claim, even the ones that go nowhere.

Get a quote

$5M, $10M or $20M Limits

Limits to suit what your clients and contracts ask for, checked with you so you're never caught underinsured.

Get a quote

Personal Accident & Illness

Optional cover that can provide financial support if you're unable to work because of an accidental injury or illness.

Get a quote

Certificates of Currency

Issued during business hours once cover is bound, so the contract that asked for one isn't held up.

Get a quote

Cover, limits and examples shown are general in nature and subject to eligibility, underwriting and the terms of the issued policy.

Occupations

Cover built for what you do.

See all occupations
Cleaners

Cover for wet floors, client property and commercial contracts.

Electricians

Liability cover for the work you leave behind.

Plumbers

Water-damage liability cover for plumbers and gasfitters.

Carpenters

Liability cover for framing, fit-out and site work.

Handymen

Cover for mixed jobs in other people's homes.

Mechanics

Workshop and mobile cover for customers, cars and completed work.

How it works

Three steps. One enquiry.

You answer a few questions; we do the comparing, the paperwork and the chasing. That's the whole point.

01

Tell us what you do

Pick your occupation, the cover you're after and your details. About 60 seconds, no paperwork.

02

We compare

Our licensed team reviews your business and compares options across a panel of insurers.

03

You're covered

We confirm the details and arrange the cover, with your certificate of currency issued during business hours.

Rated 5.0 on Google· 250+ reviews

Reviews are for Stonewell Insurance, the business behind Simple Cover.

I phoned Stonewell looking for public liability insurance after Sam was recommended to me. He understood exactly what I needed and had a quote done within minutes. A painless process, fabulous customer service.
Marylee Monteath
Public liability
Google review
Working with Darren has made transitioning into business ownership feel genuinely seamless. He knows every aspect of insurance and business protection, explains things clearly, makes sure nothing is overlooked, and gives advice that feels tailored, not generic.
STL Plumbing Services Pty Ltd
Business protection
Google review
Awesome experience. George went above and beyond to secure my insurance at a great price. Communication was excellent, I was kept informed every step of the way, and had a direct number if I needed anything, which is rare these days.
Shout Piano Bar
Great price
Google review
Bailey was fantastic and expedited the whole process to meet deadlines in getting a certificate of currency and comprehensive business insurance. Multiple quotes with detailed information, and he was just a phone call away when we had questions.
Amal Sharma
Certificate of currency
Google review
Madison has been extremely attentive from start to finish of our claim, always checking in and explaining the process in detail so we get the best results. Very comforting when you're trying to run a business and manage an insurance claim.
Rosa Mackay
Toms Tree Lopping · Claims support
Google review
Absolutely excellent company to deal with. Darren massively reduced the cost of my cover and got it done fast. Would recommend Stonewell to anyone needing insurance or looking at better options.
Cameron North
Lower cost, fast
Google review
FAQ

Common questions.

Can't see your question?

Speak with our team on 1300 080 323.

What is public liability insurance?
It covers your legal liability if your business activities injure someone or damage their property, plus the legal costs of defending the claim. For most Australian small businesses and trades it's the foundation policy, and many clients and contracts require it before you can start work.
Who needs public liability insurance?
Any business that deals with other people or their property: trades and contractors, cleaners, mobile services, hospitality, workshops and more. Even where it isn't legally required, many commercial clients, agencies, builders and councils won't engage you without a certificate of currency.
How much cover do I need: $5 million, $10 million or $20 million?
It usually comes down to who you work for. Smaller domestic jobs are often fine at $5M; many builders, agencies and commercial clients require $10M; government and large-site contracts commonly ask for $20M. If you're not sure, pick 'Not sure' on the form and we'll check what your contracts require.
What's the difference between public liability and personal accident cover?
Public liability protects other people. It responds when your work injures someone else or damages their property. Personal accident and illness cover protects you. It can provide financial support if you're unable to work because of an accidental injury or illness. Many sole traders carry both.
Does public liability cover my own injuries or my own property?
No. Public liability only responds to injury or damage suffered by other people. Your own injuries are the job of personal accident cover, and your own tools and property need their own cover, so ask us about the right mix.
How much does public liability insurance cost?
There's no single price. Premiums depend on your occupation, turnover, team size, the limit you need and your claims history. That's why we compare options across a panel of insurers for your business rather than quoting one product.
How quickly can I get a certificate of currency?
Fast. Tell us about your business in about 60 seconds, we confirm your details, and once cover is bound your certificate of currency is issued during business hours, often the same day.
Are you an insurer?
Simple Cover is a brand of Stonewell Insurance, a licensed Australian insurance business. That means we work for you, not one insurer. We compare cover across a panel of insurers and advocate for you at claim time.
Get in touch

Sort your public liability today.

Sixty seconds of your time, then our licensed team takes it from there, comparing options and coming back to you. No call centres.

Get my quote 1300 080 323