Youi public liability insurance is a cover that Youi's own page says comes inside its small business policies in Australia, and this guide sets out what that page and the regulator's register say. We do not rate or recommend Youi, and the policy wording is what binds you.
Quick answer
Youi's page says public and products liability is automatically included in its Small Business Insurance policies, not sold alone. It names Youi Pty Ltd as the issuer, which the APRA register lists as authorised.
Youi Public Liability Insurance at a Glance
| Question | Short answer |
|---|---|
| Is it sold on its own? | The Youi page says it is automatically included in Small Business Insurance policies |
| What does it cover? | Compensation you are legally required to pay a third party for injury or property damage |
| Which types of harm does it name? | Physical, psychological or reputational injury, property damage and advertising liability |
| Are legal costs covered? | The page says legal and defence costs can be covered |
| Which limits does it show? | The page mentions a choice of limits but states no amounts |
| Who is the insurer? | The page names Youi Pty Ltd, ABN 79 123 074 733, AFSL 316 511 |
| Is it on the regulator's register? | The APRA register lists Youi Pty Ltd as authorised for new or renewal business |
| How do you complain? | Through Youi first, then AFCA where it can act |
Who Issues the Policy and How to Check It
The product page says the policy is issued by Youi Pty Ltd and gives its ABN and Australian financial services licence number. You can test the name yourself. The APRA register of general insurers, which showed an update date of 23 September 2026 when we read it, lists Youi Pty Ltd as authorised for new or renewal business.
The so what: match the register name to the name on your quote and certificate. business.gov.au suggests checking an insurer there before you buy.
What the Product Page Says
The page describes cover for compensation you are legally required to pay to a third party. It names physical, psychological and reputational injury, property damage and advertising liability. It says legal and defence costs can be covered. These are marketing statements, not the contract, and the page is undated with a copyright line running to 2026.
The page also says public and products liability is automatically included in its Small Business Insurance policies. Ask Youi where the liability section sits in the wording. Our guide to what public liability covers explains why that section decides so much.
What the Page Lists as Separate Covers
The page names items that public liability does not cover and points to optional covers for them: business items, business property damage such as contents and stock in trade, money and glass.
It also says a choice of limits is available, but states no amounts, so we make no statement about Youi's limits. Other insurers' pages do state tiers, and our 10 million guide sets them side by side. Ask for the limit in writing.
Complaints and Disputes
The Youi complaints page lets you complain by phone or an online form. It names a Customer Relations Team, then an Internal Dispute Resolution Service, and says you can go to the Australian Financial Complaints Authority (AFCA) if you are unsatisfied or the matter is not resolved within 30 calendar days. The page's own summary also says Youi will respond within 15 working days, so ask which timeframe applies to you.
AFCA's role is narrower for this type of product. Our national guide explains that AFCA says it cannot consider public liability for small business insurance products, so ask early whether it can help.
What to Check in the Wording
Use these questions on this policy or any other:
- Where does the public and products liability section sit inside the policy?
- Does the limit meet each contract, licence or lease I hold?
- Are defence costs inside the limit or in addition to it?
- Does an exclusion touch the work I do?
A certificate of currency confirms the entity covered, the type of cover and that the policy is valid on a given date. Our certificate guide explains what to expect.
Where to Go Next on Cairn Cover
The one thing to remember: verify the insurer, then read the wording. Cairn Cover is a free guide and does not sell insurance or quote prices. Start with the national guide, then the cost guide, the quotes guide and the Queensland guide.
Frequently Asked Questions
Does Youi sell standalone public liability insurance? The Youi page says public and products liability is automatically included in its Small Business Insurance policies. It does not describe a standalone product, so ask Youi how the cover is arranged.
Who issues Youi public liability insurance? The page names Youi Pty Ltd. The APRA register lists Youi Pty Ltd as authorised for new or renewal business. Check that the name on your own policy documents matches.
What does Youi public liability insurance cover? The page describes compensation you are legally required to pay a third party for injury, property damage and advertising liability, and says legal and defence costs can be covered. Read the policy wording for exclusions.
Does Cairn Cover recommend Youi? No. We use an insurer's own pages and the regulator's register to explain what is verifiable. We do not rate insurers, show reviews or tell you what to buy.