upcover is an Aussie insurance provider, with a focus on small businesses and independent contractors.
It boasts insurance policies tailored to thousands of different occupations.
It also offers stand alone cyber & privacy liability insurance.
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
FAQs
Professional Risk Underwriting Pty Ltd (ProRisk) and Swiss Re are the primary underwriters for the business insurance policies arranged by Upcover. ProRisk is an award-winning Australian underwriting agency while Swiss Re is a leading global reinsurer providing high-level financial security for policyholders.
Yes, Upcover operates on a monthly subscription model that allows you to pay for your insurance in regular instalments rather than a single annual lump sum. This 'cancel anytime' approach is designed to help small businesses and startups manage their monthly cash flow with greater flexibility.
Yes, Upcover provides tailored insurance packages specifically designed for NDIS disability support workers and service providers. These policies often include combined Professional Indemnity and Public Liability cover to ensure compliance with NDIS registration requirements in Australia.
No, Upcover provides insurance solutions for sole traders, partnerships and associations as well as proprietary limited companies. During the quote process you can select your specific business structure to ensure the policy is correctly issued to your legal entity.
Yes, Cyber and Privacy Liability insurance is available as a standalone product through Upcover for businesses that do not require a full liability suite. This cover protects against digital risks such as data breaches, cyber extortion and business interruption caused by unauthorised system access.
Yes, you can update your coverage limits and business details through the Upcover platform as your business requirements change. This allows you to scale your insurance protection in line with your revenue growth or new contractual obligations without having to start a completely new application.
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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