About

Liability Plainly is an independent information site for Australian sole traders, tradies, shop owners, consultants and small companies who want to understand and compare business liability insurance before they buy or renew.

The guides explain how public liability, products liability, professional indemnity and related covers work, what drives the premium, how GST and state stamp duty are added, and what the Insurance Contracts Act 1984, ASIC, AFCA and state regulators require. Worked examples show the arithmetic so you can repeat it with your own quotes, and the calculators and checklist help you line up quotes like for like.

We do not sell insurance, arrange cover, rank insurers or receive information about your business. Every premium and claim figure on the site is an illustrative example, not a quote or a market rate. Tax rates and rules are described as at October 2026 and can change, so each guide links to the official source to check.

The site is general information only and does not take your objectives, financial situation or needs into account. It is not legal, tax or financial product advice. For advice on your circumstances, speak to a licensed insurance broker, a lawyer or a registered tax agent.

How this site is made

Liability Plainly is an independent information project. Guides are drafted with the help of AI writing tools and checked against official and primary sources before publication; see our Editorial Policy. We are not affiliated with any provider mentioned on the site and do not sell products or services.