Small Businesses
Tech Companies
Motor & Fleet

Insurance Built for Growing Businesses

Fast cover for small businesses. Specialist support for complex needs.
Small Business?
Complex Needs?
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Trusted by 70,000+ small businesses

AI-Enabled Digital Platform

Built to scale with your business

A Customer Obsessed Team

Powered by technology

A Smarter Way to Get Covered

Simple upfront. Expert-led as you scale.

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Our platform

Business insurance & risk placement, powered by AI

upcover makes business insurance simple. Our AI-powered platform matches businesses with the right cover, streamlines placement, and enables partners to seamlessly embed and distribute insurance without outdated processes or long forms.

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Who we are

Unhappy with your Business Insurance? So are we.

upcover helps small businesses and tech startups get the right insurance, without the jargon or the back-and-forth.
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Get an instant quote online or talk to a specialist and we’ll line up the right policy for you.

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70,000+

Businesses

4.9/5

Customer Rating

80+

Insurance Partners

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Businesses covered

Choose from over 1,000+ business types

Business & Sole Traders
Business & Sole Traders
Tech Startups & Enterprises
Motor & Fleet Insurance

Support Workers

Beauty Therapists And Beauty Salons

Makeup Artists

Janitorial Office Cleaners

Handyman

Hairdressers & Barbers

Restaurants & Cafes

Management Consultants

Therapy Business

Accountants & Bookkeepers

Landscapers

Cosmetic Tattoo Artists

Electricians (non-QLD)

Hotels & Motels

Plumbers

Real Estate Agents

Mechanics

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Enterprise Software & SaaS

Artificial Intelligence

IT & Software Development Professionals

Crypto, Web3 & Blockchain

Fintech

CleanTech

HealthTech

Managed IT Service Providers (MSP & MSSP)

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Light Commercial Vehicles

Courier Fleet

Trucking & Haulage

Short term rental fleet

Own goods fleet

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Products

Product coverages

Choose the type of coverage that best fits your needs and get started with confidence

Allied Health

Includes Professional Indemnity and Public & Products Liability to help protect from professional errors

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Public & Products Liability

Covers injury & property claims from your services, products or at your business

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Professional Indemnity

Covers negligence claims from third parties to help protect your business from professional errors

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Cyber & Technology

Includes Professional Indemnity and Cyber & Technology Liability insurance for tech businesses

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IT Liability

Covers Professional Indemnity and Public & Products liability for tech service providers

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Business Pack

Can include property, contents, glass, electrical equipment, business interruption, theft, contents

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Management Liability

Bundled insurance for executives and boards incl D&O, EPL, Statutory Liability and Tax Liability insurance

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Commercial Motor Fleet

Covers business vehicles for damage to your vehicle or a third party’s, property damage or injuries to others (excl CTP)

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Why upcover

Why our customers love us

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Benefits

Benefits of choosing upcover

Get quotes in minutes, adjust your cover as your business evolves, and lean on expert support to help you make confident insurance decisions.

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Our partners

Our Partners

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Insights

From our blog

Coverage, risk management and compliance, explained in plain English.

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Jul 5, 2023

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Insurance Basics

Understanding Different Types of Business Insurance in Australia

Learn about the various types of business liability insurance in Australia, including general liability, public liability, professional liability, and management liability.

Read Full Article

Mar 16, 2023

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Insurance Basics

Small Business Insurance 101

Trying to get your head around small business insurance? This article will give you a crash course across the main types of insurance for small business.

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May 20, 2022

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Business 101

What Risks Are Involved In Owning A Business?

Are you thinking of starting your own business but don't know what risks are involved? This article will break down some risk business owners may face.

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We are digitising commercial insurance and risk management for small, mid-market and technology businesses. We work with a global network of underwriters, challenging legacy brokers and delivering market leading coverage to our customers.

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PHONE

Speak with our specialist, Mon-Fri from 9am-9pm.

1300 872 683   
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EMAIL US

Get help with your quote. We'll reply within 24hrs.

support@upcover.com
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CHAT ONLINE

Chat with our specialist, Mon-Sat from 9am-9pm.

INDUSTRY

Beauty Businesses

Care Support Businesses

Cleaning Businesses

Consulting Services

Financial Services

Health, Therapy & Wellness

Hospitality

Technology, Media & Digital

Trades & Construction

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About Us

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CLAIMS

Make a Claim

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RESOURCES

Glossary

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OTHER LINKS

Code of Practice

Financial Service Guide

Complaints Handling Policy

Modern Slavery Statement

Financial & Domestic Abuse Policy

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Translation & Interpretation Services

© 2026 upcover Pty Ltd ABN 17 628 197 437, Corporate Authorised Representative (CAR 1299211) of Experience Insurance Services Pty Ltd ABN 41 657 596 506, AFSL 539078. upcover arranges insurance products with selected insurers and underwriters. upcover does not compare all general insurers or insurance products available in the market.

The information contained on this website is general advice only and has been prepared without taking into account your individual needs, objectives and financial situation. It should not be relied upon as advice. All insurance products are subject to the terms, conditions, limits and exclusions contained in the relevant policy wording and Product Disclosure Statement.  Before deciding whether a particular insurance product is right for you, please consider your personal circumstances and read the relevant Product Disclosure Statement, Target Market Determination, Policy Wording, and Financial Services Guide.