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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
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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.

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Jul 16, 2026
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Insurance Basics
What is tax audit insurance and how does it work?

Tax audit insurance may help cover accountant or tax agent fees if the ATO audits your business. What it covers, what it excludes, and who may need it.

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Jul 15, 2026
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Insurance Basics
What is medical malpractice insurance in Australia?

Medical malpractice insurance may help cover clinical negligence claims, legal defence costs, and patient harm allegations. Who needs it and how it works.

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Jul 15, 2026
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Business 101
ABN cancellation in Australia: why it happens and what to do

Find out why the ATO cancels ABNs, how to prevent it, what to do if your ABN is cancelled, and how to cancel your own ABN voluntarily.

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Jul 10, 2026
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Insurance Basics
Does EPL insurance cover unfair dismissal claims in Australia?

Unfair dismissal claims can cost employers time and legal fees. Learn how EPL insurance may help with defence costs and claim outcomes.

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Jul 10, 2026
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What is employment practices liability insurance in Australia?

EPL insurance may help cover workplace claims such as unfair dismissal, discrimination, harassment, and bullying. How it works and what it does not cover.

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Jul 10, 2026
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Insurance Basics
Who needs directors and officers insurance in Australia?

Get answers to all your question whether D&O insurance may be relevant for Pty Ltd directors, startup founders, NFP board members, and anyone asked to join a board. How to assess if you need it.

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Jul 10, 2026
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Insurance Basics
How much does directors and officers insurance cost in Australia

D&O insurance cost in Australia depends on company size, industry, financial position, claims history, and whether cover is standalone or ML-bundled.

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Jul 9, 2026
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Insurance Basics
What is directors and officers (D&O) insurance in Australia?

D&O insurance may help protect directors and officers from claims about management decisions. Sides A, B, and C explained, plus how it works.

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Jul 9, 2026
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Insurance Basics
What is commercial crime insurance in Australia?

Commercial crime insurance may cover employee theft, fraud, stolen money, and unauthorised transfers. How it works, what it covers, and how it differs from cyber insurance.

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Jul 9, 2026
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Insurance Basics
Management liability insurance claims examples

Australian management liability claim examples: unfair dismissal, employee theft, director breach, WHS fines, and tax audit costs. What each claim cost and which section responded.

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Jul 9, 2026
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Insurance Basics
What does management liability insurance cover?

Management liability insurance may cover D&O, employment practices, crime, statutory liability and tax audit claims. What each section covers and what it does not.

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Jul 9, 2026
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Insurance Basics
How much does management liability insurance cost in Australia?

Management liability insurance cost depends on turnover, staff, industry, cover sections, and limits. See price ranges by business size and quote factors.

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Oct 14, 2026
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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.

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Oct 14, 2026
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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.

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Oct 14, 2026
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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.

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Oct 14, 2026
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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.

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Oct 14, 2026
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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.

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Oct 14, 2026
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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.

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Oct 14, 2026
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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.

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Oct 12, 2026
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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.

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Oct 11, 2026
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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.

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Oct 9, 2026
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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.

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Oct 9, 2026
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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.

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Oct 8, 2026
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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.

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Oct 22, 2026
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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.

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Oct 9, 2026
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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.

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Aug 7, 2026
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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.

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Aug 7, 2026
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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.

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Aug 7, 2026
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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.

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