Upcover offers monthly subscription billing with a cancel-anytime approach, helping small businesses and startups smooth out cash flow.
Policies are underwritten by ProRisk and Swiss Re, and cover sole traders, partnerships, associations and Pty Ltd companies.
Specialised packages are available for NDIS support workers, with combined Professional Indemnity and Public Liability to meet registration requirements.
Cyber and Privacy Liability is available as a standalone policy, and you can adjust coverage limits as your business grows without reapplying.
What types of cover does upcover offer?
Allied Health Professionals Insurance: Cover designed to support health and care workers, including fitness and wellness professionals.
Public & Products Liability Insurance: Essential cover third party product liability insurnace that all business should have!
Professional Indemnity Insurance: Cover designed to protect from claims or allegations of misconduct or negligence.
Cyber & Privacy Liability Insurance: This protects you from the financial fallout of cyber attacks, which are becoming too common.
Management, Sole traders and Association Liability Insurance: Covers you from a range of risks around business structures, like partnerships.
Make sure you read the PDS
2022 Finder research shows that 23% of Australians can't be bothered reading the product disclosure statement. It may be boring but it's worth it in the long run.
Review: upcover online application
upcover makes a big point about how easy the online application process is, so I gave it a try for my passion project. I put in the type of business I run, music composition, and my yearly revenue. Yo be clear, I multiplied my actual income by about 100 to make the quote more reasonable. One of these days...
The screenshot below is the quote I got. upcover recommended Cyber & Privacy Liability cover, but didn't offer professional indemnity for my work. I tried a few different professions and it had different cover types for things like doctors or fitness instructors.
Overall, it was a pretty nice experience, especially getting a quote in less than 15 seconds. If things were ever to pop off and I needed cyber cover, I'd definitely get a more detailed quote.
Frequently asked questions
To make a claim on your upcover Business Insurance, you can access the online claim form on its website. Here are a few points to be aware of before making a claim:
Notify upcover of the event as soon as reasonably possible
Take measures to avert or minimise loss or damage even if it's covered
Prepare copies of any supporting documents that may be useful including legal documents, communication and photographs
Work with upcover in any investigation, negotiation, defence or settlement of any claim
Don't appoint lawyers, admit liability or attempt to settle or defend any claim without speaking to upcover first
Don't release other parties from liability
Comply with your policy terms and conditions
Upcover insurance products are backed by Professional Risk Underwriting Pty Ltd (ProRisk).
Each business will have different needs depending on the type of service or products offered, but generally, you're required to have at least third-party personal injury insurance and worker's compensation insurance if you have any employees.
A seasoned journalist with over 10 years of experience in news, politics and finance reporting, Tim has previously held roles at the ABC, SBS and Fairfax Media. Tim’s expert insights have been quoted in The Australian, The Daily Telegraph, The Courier Mail and more. He regularly appears on TV and radio, and has been interviewed on 7 News, Sunrise, SBS News, ABC Local, 3AW and 5AA. Tim is passionate about simplifying complex insurance topics for Australian consumers. He holds a Bachelor of Arts (Politics) from Macquarie University and a Tier 1 General Insurance (General Advice) certification, which meets the requirements of ASIC Regulatory Guide 146 (RG146).
If you’re interested in a media interview with Tim, please reach out to our PR team at aupr@finder.com.
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