Small Businesses
Tech Companies
Motor & Fleet
INSIGHTS

Forging the Frontier in Industry News   

Stay informed with the latest innovations, insights, and developments from upcover. Explore the resources below on business and risk management news to keep yourself up to date

Oct 27, 2026
a list item
Business 101
Can a Sole Trader Have Employees in Australia?

A sole trader can have employees in Australia. business.gov.au says you can employ people under the sole trader business structure. See the PAYG, 12% super, payday super, Fair Work and workers compensation steps for your first hire.

Read Full Article
Jul 27, 2026
a list item
Insurance Basics
Public Liability vs Products Liability Insurance

Compare public liability and products liability insurance, including what each may cover, common exclusions and why businesses often arrange both together.

Read Full Article
Jul 27, 2026
a list item
Insurance Basics
Claims-Made vs Occurrence Insurance Australia

Claims-made insurance responds to claims notified during the policy. Occurrence cover follows when the incident happened. See key differences.

Read Full Article
Jul 27, 2026
a list item
Tradies & Construction
Mobile Plant Insurance for Excavators and Bobcats

Mobile plant insurance may cover excavators, bobcats, skid steers and attachments against theft, rollover, fire and transit risks. See what to check first.

Read Full Article
Jul 24, 2026
a list item
Insurance Basics
What Does Mobile Plant Insurance Cover?

See what mobile plant insurance may cover, including theft, accidental damage, fire, transit and attachments, plus exclusions and optional extensions.

Read Full Article
Jul 24, 2026
a list item
Tradies & Construction
What Is Mobile Plant and Equipment Insurance in Australia?

Mobile plant and equipment insurance may cover excavators, loaders and machinery against theft, fire, accidental damage and transit risks. See the guide.

Read Full Article
Jul 24, 2026
a list item
Insurance Basics
Medical Malpractice Claims Examples in Australia

Australian medical malpractice claim examples: diagnosis, medication, consent, referrals and AHPRA complaints, plus why claims may not be covered.

Read Full Article
Jul 24, 2026
a list item
Insurance Basics
Medical Malpractice vs Professional Indemnity Insurance

Medical Malpractice may cover patient harm from clinical care. Professional indemnity may cover advice errors causing financial loss. See which fits.

Read Full Article
Jul 23, 2026
a list item
Insurance Basics
How much does Marine Cargo insurance cost in Australia?

Marine Cargo insurance may start from around $300 for some single-transit shipments, while annual premiums vary by cargo, routes and values. See what drives cost.

Read Full Article
Jul 23, 2026
a list item
Marine Cargo vs Goods in Transit Insurance

Marine Cargo and goods in transit insurance often overlap in Australia. See how the covers differ, when each may fit and when you may need more than one.

Read Full Article
Jul 23, 2026
a list item
Insurance Basics
What is marine cargo insurance in Australia?

Marine Cargo insurance may cover goods lost, stolen or damaged during domestic or international transit. See cover, exclusions, claims and policy types.

Read Full Article
Jul 20, 2026
a list item
Insurance Basics
What does tech professional indemnity insurance cover?

Tech professional indemnity insurance may cover claims from IT errors, software bugs, data breaches and IP disputes. See what's included, excluded and how it works.

Read Full Article
Jul 20, 2026
a list item
Insurance Basics
Investment manager indemnity insurance: PI, D&O and cyber explained

Learn how PI, D&O and cyber insurance protect investment managers, what each section covers and where crime and regulatory cover fit.

Read Full Article
Oct 14, 2026
a list item
Insurance Basics
What insurance do AI startups need in Australia?

AI startup insurance in Australia: how Tech PI and cyber may apply to AI that advises, decides, acts or controls, and what changes on 10 December 2026.

Read Full Article
Oct 14, 2026
a list item
Insurance Basics
MSP insurance in Australia: managed service provider risks and cover

MSP insurance in Australia explained: aggregation risk, privileged access, MSP claims examples and what Tech PI and cyber policies commonly exclude.

Read Full Article
Oct 14, 2026
a list item
Insurance Basics
Startup insurance due diligence: what may investors review?

What investors may review in startup insurance due diligence: data room documents, directors and officers cover, cyber, Tech PI and claims history.

Read Full Article
Oct 14, 2026
a list item
Software and SaaS startup insurance in Australia

Software startup insurance in Australia: Tech PI and cyber by milestone, plus guides to SaaS contracts, SLAs, limits, SOC 2 and US customers.

Read Full Article
Oct 14, 2026
a list item
Business 101
What insurance does a startup need in Australia?

What insurance does a startup need in Australia? See which covers may apply by startup type and stage, what the law requires and which guide to read next.

Read Full Article
Oct 14, 2026
a list item
Cyber Insurance
AI Insurance Australia: 5 Real Cases Every Business Should Know

5 AI risk incidents, from Deloitte's report refund to the Bunnings facial recognition decision, and the Tech PI and cyber cover questions each raises.

Read Full Article
Oct 14, 2026
a list item
Cyber Insurance
What is cyber insurance? An Australian small business guide

What is cyber insurance and what does it cover? See common exclusions, claims examples, 2026 data breach rules and which guide covers cost and limits.

Read Full Article
Oct 12, 2026
a list item
Insurance Basics
Does tech professional indemnity (Tech PI) cover SaaS downtime, SLA breaches and service credits?

Does Tech PI cover SLA breach claims? Learn how service credits, refunds, liquidated damages and damages claims differ for SaaS downtime and outages.

Read Full Article
Oct 11, 2026
a list item
Cyber Insurance
Why Is Cyber Insurance Important for Australian Businesses?

Why is cyber insurance important? See ASD cybercrime cost data, how cyber cover may help after an incident, common exclusions and the worth-it factors.

Read Full Article
Oct 9, 2026
a list item
Insurance Basics
What if OpenAI, Anthropic or Google goes down? Questions about 3rd party AI API failure insurance

If your SaaS relies on OpenAI, Anthropic or Google, a provider outage may still reach your customers. See when Tech PI or cyber insurance may be relevant.

Read Full Article
Oct 9, 2026
a list item
Insurance Basics
SaaS enterprise insurance requirements: what clients may ask for

Enterprise customers often ask SaaS vendors for Tech PI, cyber and a certificate of currency. Learn what the schedule means and what to check first.

Read Full Article
Oct 8, 2026
a list item
Insurance Basics
Professional Indemnity vs Public Liability Insurance: Do You Need Both?

The difference between public liability insurance and professional indemnity insurance, and which cover 11 Australian business types commonly arranged.

Read Full Article
Oct 22, 2026
a list item
Insurance Basics
Business Car Insurance vs Personal Car Insurance

Business car insurance is designed for vehicles used for work. Learn when a personal car policy may not respond and how utes, vans and CTP fit in.

Read Full Article
Oct 9, 2026
a list item
Business 101
What is commercial motor and fleet insurance in Australia?

Commercial motor and fleet insurance explained: what it may cover, how fleet and single-vehicle policies differ, how CTP fits in and common exclusions.

Read Full Article
Aug 7, 2026
a list item
Insurance Basics
How much does commercial motor and fleet insurance cost in Australia?

Commercial vehicle insurance in Australia may cost from around $1,200 a year per vehicle. Indicative ranges, fleet costs and what moves the price.

Read Full Article
Aug 7, 2026
a list item
Insurance Basics
What Does Commercial Motor Vehicle Insurance Cover in Australia?

Commercial vehicle insurance may cover damage, theft, fire and third-party property damage. What is core cover, what is optional, what is separate.

Read Full Article
Aug 7, 2026
a list item
What insurance does a courier or delivery fleet need in Australia?

Courier fleet insurance may combine commercial motor, goods in transit and public liability. What courier businesses need, and what to check.

Read Full Article
No items found.

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.