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Australia's fastest insurance for businesses, startups & scaleups
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Shop by your business type
Whether you are a sole trader or small business owner, startup founder or an enterprise that has global presence, upcover's platform give you access to tailored insurance that scales as your business scales
Business and Sole Traders
Cover for over 1000 industries types and activities:
Disability, Support & Care
Beauty, Therapy and Fitness
Professional Services
Hospitality
Tech Startups and Enterprises
Perfect if you are a tech enabled business and after:
IT & Professional Indemnity
Cyber Liability
Directors & Officers
Employment Practices Liability
Motor & Fleet Insurance for Businesses
For contractors and business owners using vehicles for work:
1 or many vehicles
Loss or damage to vehicle
Damage to 3rd party property
Replacement car hire
Business insurance as a partner or affiliate
Add additional revenue stream or make your customers sticky:
30+ insurance partners
Embedded business insurance
Whitelabelling
Insurance APIs
upcover is trusted by business owners like you
60,000+
Businesses
100%
Instant Online Access
4.9/5
Customer Rating
Customise by industry
Secure your startup from day one
Embarking on your entrepreneurial journey? upcover offers fast, founder-friendly insurance solutions to protect against unforeseen challenges, lease obligations, and contractual requirements.
Instill confidence in your stakeholders
Ensure your investors, board members, and leadership are safeguarded during fundraising rounds with comprehensive insurance coverage, facilitating smooth and compliant capital raises.
Simplify compliance with expert support
Navigate the complexities of contractual insurance obligations with ease. upcover assists in securing the coverage to satisfy requirements from landlords, investors, and partners, eliminating guesswork
Protect your team during transitions
As your team evolves, safeguard against employment-related claims. upcover provides expert-designed coverage to protect your company during hiring phases, layoffs, or leadership changes.
Experience seamless transitions with upcover
Looking for better support and smarter coverage? upcover makes switching brokers effortless, offering tailored solutions that align with the dynamic needs of high-growth companies.
Data Breach & Identity Risks
upcover's insurance partners can provide coverage for breach response services, customer notifications, and identity risk mitigation following a cyber event.
Forensic & Legal Support
Policies arranged through upcover may include access to forensic specialists, legal advisors, and technical consultants to assist with investigating covered incidents.
System Downtime & Business Disruption
Cyber insurance through upcover's platform can offer financial protection against certain business interruptions caused by unauthorised access or system failures.
Cybercrime & Social Engineering
Coverage options arranged by upcover may include protection against cybercrime events such as invoice manipulation, social engineering, and funds transfer fraud.
Ransomware & Crisis Management
upcover's platform can offer access to insurance that includes ransomware response support, data restoration services, and crisis PR to help manage reputational impact.
Unlocking Partner Growth
Embedded or APIs
Seamlessly integrate business insurance from upcover into your platform to enhance your offering, generate new revenue, and ensure your customers get the coverage they need.
Seamless, low code integration with pre-filling of fields to tailor experience to your customers
Get In TouchSeamless, low code integration with pre-filling of fields to tailor experience to your customers
Monetisation
Does an audience of small business owners visit your website and social media pages?
Our affiliate program enables you to monetize your online presence by offering customers small business insurance that works. No insurance license necessary.
Book a CallOur affiliate program enables you to monetize your online presence by offering customers small business insurance that works. No insurance license necessary.
Compliance Automation
You hire vendors and contractors and want to make sure your insurance requirements are being met.
Manage your contractors’ COIs using upcover live COI checking toolfor property managers, event vendors, construction companies or gig economy platforms.
Speak with a SpecialistManage your contractors’ COIs using upcover live COI checking toolfor property managers, event vendors, construction companies or gig economy platforms.
Our Partners
Commonly asked questions by our customers
What is insurance for allied health professionals?
upcover offers tailored business insurance in Australia via a Healthcare Professionals Civil Liability Insurance Policy. We offer this for any Health Professional. Covering more than 300+ occupations at market leading coverage and competitive prices, we are ensuring that you can get the cover you need in minutes from trusted A-rated insurers.
What is Public and Products Liability insurance?
Public and Products Liability insurance protects you and your business in case your clients or any other third party sustains an injury and/or causes property damage during the course of your work. Business owners have a duty of care for any third party they interact with as part of their business activities.
By having an adequate level of cover for your small business liability insurance in Australia, Public Liability insurance can help you avoid the stress of defending any claim yourself or paying any expensive legal fees so you can resume your business’ day-to-day operations without any hiccups.
By having an adequate level of cover for your small business liability insurance in Australia, Public Liability insurance can help you avoid the stress of defending any claim yourself or paying any expensive legal fees so you can resume your business’ day-to-day operations without any hiccups.
What is Professional Indemnity insurance?
Professional Indemnity insurance is designed to protect you and your business from mistakes and breaches that can occur from the provision of your business’ professional services. For example, while working on a project with a client, you make a mistake that results in the client taking legal action against you.
Professional Indemnity insurance can cover your legal costs, as well as any settlements you may need to pay when the unthinkable happens.
Professional Indemnity insurance can cover your legal costs, as well as any settlements you may need to pay when the unthinkable happens.
What is startup insurance, and why is it important for new businesses?
Startup insurance refers to insurance coverage specifically designed to meet the unique needs of startups and early-stage businesses. It provides protection against various risks and liabilities that entrepreneurs may face while launching and growing their ventures. Upcover strives to offer the best small business insurance in Australia.
Startup insurance is important because it helps mitigate financial losses resulting from unexpected events, such as property damage, liability claims, or lawsuits, allowing startups to focus on their core operations without worrying about potential risks.
Startup insurance is important because it helps mitigate financial losses resulting from unexpected events, such as property damage, liability claims, or lawsuits, allowing startups to focus on their core operations without worrying about potential risks.
What do I need to do to get a quote?
At upcover, we believe in simplicity. Just tell us your occupation, and your revenue and you’ll get a price for the insurance in a matter of seconds. You’ll only need to answer a few more questions and you'll get an instant quote in a minutes - not days or weeks or months for your insurance for business in Australia.
Who is upcover's insurance partner?
upcover offer’s insurance products backed by Professional Risk Underwriting Pty Ltd (ProRisk), Australia’s Underwriting Agency of the Year in 2020.
What is a Certificate of Currency?
A Certificate of Currency is issued by an insurance company and is something you can use as proof that your existing insurance policy is valid. It contains all the information regarding your policy. You may be asked from time to time to prove your insurance - for loans to your business, for landlords of your premises, or for certain clients you might have.
The moment you purchase your insurance from upcover you can send your proof of insurance to whoever requires it, at just a click of a button.
The moment you purchase your insurance from upcover you can send your proof of insurance to whoever requires it, at just a click of a button.
How can I make a claim?
You can make a claim by filling up this online form here.
Just answer a few simple questions and submit your claims form in minutes.
Just answer a few simple questions and submit your claims form in minutes.
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