# Insurance Research — March 28, 2026

## PI + PL Quotes for RateRight Marketplace

### BizCover Estimates (Australia)
- **Professional Indemnity (PI):** ~$43-102/month
- **Public Liability (PL):** ~$39/month
- **Combined PI + PL:** ~$98-150/month

### Coverage Recommendations
- PI: $1-2M for marketplace platforms
- PL: $5-10M standard

### Notes
- Marketplace platforms are lower risk than tradies doing physical work
- No workers comp needed (no employees, no labour hire)
- No AFSL required (not providing financial advice, just referral)

### Action
Michael to get BizCover quote. Estimated $1,000-1,800/year.