Quick Comparison
| Feature | Youi |
|---|---|
| Public Liability | Automatically included |
| Starting Price | Contact for pricing |
| Best For | Award-Winning |
| Claims Support | 24/7 available |
| Customer Rating | 4.7/5 (Trustpilot) |
Detailed Comparison
Youi
Award-WinningAward-winning small business insurance with public liability cover included. Flexible limits and optional covers to suit your business needs. Whether you're a builder, baker or beautician, Youi helps keep your business running as usual.
✓ Pros
- ✓ Public liability automatically included in all policies
- ✓ Award-winning insurance provider (Finder Top Value 2025)
- ✓ High customer satisfaction (Trustpilot 4.7/5)
- ✓ Advisors with real business experience
- ✓ Flexible liability limits to suit your business
- ✓ Simple setup process (one phone call)
- ✓ 24/7 claims lodgement available
- ✓ Covers wide range of industries
- ✓ Optional covers available for business items, property, money, and glass
- ✓ Business vehicle insurance also available
- ✓ Sole trader friendly
- ✓ No lock-in contracts mentioned
- ✓ Australian-based insurer
- ✓ Good customer support
✗ Cons
- ✗ Pricing requires quote (not transparent online)
- ✗ Must call for full quote and policy details
- ✗ Some covers are optional (additional cost)
- ✗ Limited information available online without starting quote
- ✗ May not suit very large businesses
- ✗ Workers' compensation not included (handled separately)
- ✗ Professional indemnity not included
- ✗ May have waiting periods for certain covers
- ✗ Coverage varies by business type and location
Pricing
- Small Business Insurance: Contact for pricing - Public & Products Liability (included), Flexible liability limits, Optional covers available
Which One is Best For You?
Choose Youi If:
- • Small businesses needing public liability insurance
- • Tradies and contractors
- • Retail businesses (online and physical stores)
- • Hospitality businesses (restaurants, cafes, food trucks)
- • Beauty salons and hairdressing businesses
- • Real estate businesses
- • Cleaning businesses
- • Sole traders
- • Businesses wanting award-winning insurance
- • Companies needing flexible liability limits
- • Businesses wanting advisors with real experience
- • Companies needing 24/7 claims support
- • Businesses wanting simple setup process
- • Companies needing optional covers for business items, property, money, or glass
Conclusion
Youi is an excellent choice for Australian small businesses that value award-winning service and flexible insurance options:
Best for: Small businesses needing public liability insurance, tradies and contractors, retail businesses, hospitality businesses, beauty salons, real estate businesses, cleaning businesses, sole traders, and businesses wanting flexible liability limits with award-winning service.
Consider alternatives if: You're a very large business needing enterprise-level coverage, you need professional indemnity insurance (not included), you require workers' compensation (handled separately by state schemes), or you prefer insurers with more transparent online pricing without calling.
Value proposition: Youi offers award-winning small business insurance with public and products liability automatically included in all policies. The flexible liability limits, optional covers for business items, property, money, and glass, along with advisors who have real business experience, make it particularly attractive for small businesses. The 24/7 claims lodgement and simple setup process add to its appeal.
Key strengths: - Award-winning: Finder Top Value Small Business Insurance 2025 and Most Recommended 2025 - Customer satisfaction: Trustpilot 4.7/5 star rating - Public liability included: Automatically included in all policies - Flexible limits: Choose liability limits to suit your business - Experienced advisors: Team members with real business experience - Simple setup: One phone call to get started - 24/7 claims: Available online or over the phone
Bottom line: If you're a small business in Australia needing public liability insurance with flexible options and award-winning service, Youi is an outstanding choice. The automatic inclusion of public liability, flexible limits, optional covers, and experienced advisors make it particularly attractive for small businesses across various industries. Contact them to get a quote tailored to your business needs.
Ready to Get Started?
Both Youi offer free trials. Sign up today and see which option works best for your Australian business.
Affiliate Disclosure: This article contains affiliate links. If you click through and make a purchase, we may earn a commission at no additional cost to you. Our recommendations are based on genuine research and testing to help you find the best solutions for your Australian business.