Platform Protect Liability Cover Built for the New Economy.
Public and products liability for the gig, sharing and micro-mobility economies. Backed by Lloyd's.
01 Why we built this
Why Traditional Liability Doesn't Fit.
Standard policies were written for a world of physical goods and fixed premises. Not the gig economy. Not the sharing economy. Not micro-mobility.
We underwrite to the actual risk — not the closest standard category.
02 What's covered
Cover, in plain English.
Personal Injury
Designed to protect your platform entity against third-party bodily injury, defamation, false imprisonment and wrongful entry claims arising from your business activities. Independent contractors and their workers are not covered third parties under this policy.
Property Damage
Designed to cover legal liability for accidental physical damage to tangible third-party property and premises caused by your business activities. Property owned by, leased to, or in your care, custody or control is not covered (except premises you lease for your business).
Products Liability
Designed to cover your platform entity's legal liability for third-party personal injury or physical property damage caused by tangible products you manufacture, sell, supply or distribute, excluding bikes and scooters. Products supplied by third parties listed on your platform are not covered. Cover for digital goods and software is excluded.
Legal & Defence Costs
Investigation, negotiation, defence and appeal costs for covered liability claims are payable in addition to your Limit of Liability. For claims subject to USA or Canada law, defence costs are payable within the Limit, not in addition.
Goods in Care, Custody & Control
Compensation for damage to third-party goods in your care, custody or control — including merchant inventory on your platform, fulfilment centre stock or held client devices.
Worldwide Cover
Worldwide Occurrence cover for your Australian-based platform business. Liability involving USA or Canadian-domiciled companies is excluded, and defence costs for any USA or Canada claim are payable within the Limit of Liability.
Platform Vendor Indemnity
Covers your platform entity's own legal liability for third-party injury or property damage claims arising from your marketplace, aggregator or sharing business. Individual hosts, drivers, riders, operators and contractors are not covered under this policy.
Cyber-Adjacent Liability
Bridging cover for liability claims arising from data, software or system-related events that traditional PPL policies exclude — closing the most common digital-business protection gap.
03 Why this is different
Purpose-Built. Lloyd's-Backed. Fast.
01
Platform-Native Underwriting
Our underwriters know what marketplaces, SaaS and gig aggregators actually look like. We rate the real risk — not a forced fit into 'miscellaneous.'
02
Lloyd's-Backed Capacity
Appointed Lloyd's Coverholder. Every policy sits on globally recognised syndicate capacity, written by specialist underwriters.
03
Speed to Bind
Submission to indication, usually within 24 hours. Quote to bind without the paperwork.
04 Who this is for
We don't believe in the too-hard basket.
If you've ever heard "we don't have an appetite for that," there's a reasonable chance we do.
Built for the gig, sharing and micro-mobility economies. Platforms, marketplaces, SaaS, gig services, e-commerce, aggregators, embedded finance — and the businesses inventing what comes next.
Digital platforms & marketplaces — multi-sided platforms connecting buyers, sellers and service providers
SaaS & software companies — including those whose products affect physical-world outcomes
Gig-economy services — rideshare, delivery, on-demand labour, professional marketplaces
E-commerce businesses — including drop-shippers, private-label sellers and platform-only operators
