Youi

Award-Winning

★ 4.7

12400 reviews

Award-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.

Visit Youi Website → View All Business Insurance

Pricing

Small Business Insurance

Contact for pricing

✓ Public & Products Liability (included)
✓ Flexible liability limits
✓ Optional covers available

Key Features

✓ Public and Products Liability insurance (automatically included)

✓ Flexible public liability limits

✓ Optional Business Items cover

✓ Optional Business Property Damage cover

✓ Optional Money cover

✓ Optional Glass cover

✓ 24/7 claims lodgement (online or phone)

✓ Advisors with business experience

✓ Simple setup process

✓ Cover for various industries (tradies, retail, hospitality, etc.)

✓ Sole trader insurance options

✓ Business vehicle insurance available

✓ Award-winning service (Finder Top Value 2025)

✓ Trustpilot 4.7/5 star rating

Pros & Cons

✓ 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

Best For

• 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

Ready to Get Started?

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Business Insurance January 2026

Youi Review: Award-Winning Small Business Insurance for Australian Businesses

Youi is an award-winning Australian insurer that has earned recognition for its small business insurance products. With Finder Top Value Small Business Insurance 2025 and Most Recommended Small Business Insurance 2025 awards, along with a Trustpilot 4.7/5 star rating, Youi positions itself as a customer-focused alternative for Australian small businesses. All Youi Small Business Insurance policies automatically include public and products liability cover, with flexible limits and optional covers available. But is it the right choice for your business? We review Youi's business insurance offerings.

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