Latest Business Blogs & Coverage

Oct 27, 2026

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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Oct 27, 2026

Business 101

Shop Insurance Australia: What a Retail Store Needs

Shop insurance often pairs public liability with a business pack for stock, glass and theft. What a shopping centre lease may ask for and what to check.

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Oct 27, 2026

Business 101

Public Liability Insurance in New South Wales (NSW)

Public liability insurance in NSW: when councils, landlords and licences ask for it, the limits they set, what a certificate shows and the duty exemption.

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Oct 27, 2026

Health & Wellness

How much does massage therapist insurance costs in Australia?

Most massage therapists pay from around $326 to $500 a year for combined professional indemnity and public liability, based on 280+ policies reviewed.

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Oct 27, 2026

Tradies & Construction

How much does electrician insurance costs in Australia?

Electrician public liability insurance from $41 a month at a $5 million limit. Most pay $96 to $113 a month. See costs by limit, state and type of work.

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Oct 27, 2026

Tradies & Construction

How much does lawn care insurance cost in Australia?

Most lawn care businesses pay from around $40 to $68 a month for public liability insurance. See yearly costs, cover limits and what affects the price.

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Oct 27, 2026

Insurance Basics

How Much Does Startup Business Insurance Costs In Australia

Startup business insurance cost in Australia by cover: tech professional indemnity, cyber and public liability prices, plus GST, duty and cost factors.

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Oct 27, 2026

Allied Health

Nurse Professional Indemnity Insurance: Do You Need It?

Registered nurses must have professional indemnity arrangements to practise. How employer cover works, where it may fall short and the limits nurses hold.

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Oct 27, 2026

Insurance Basics

What Is Public Liability Insurance? Meaning and Cover

Public liability insurance is designed to cover claims that your business caused injury or property damage. See what it may cover, exclusions and who asks.

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Oct 22, 2026

Insurance Basics

Cafe Insurance in Australia: A Guide for Cafe Owners

Cafe insurance commonly pairs public and products liability with a business pack for stock, glass and equipment. See what councils and leases ask for.

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Oct 22, 2026

Insurance Basics

How do you get public liability insurance online in Australia?

To get public liability insurance online, request a quote, answer questions about your business, check the policy, then get your certificate of currency.

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Oct 22, 2026

Cyber Insurance

What is social engineering and can insurance help?

Social engineering explained: phishing, invoice scams, vishing and smishing, warning signs, prevention steps and how cyber or crime insurance may respond.

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Aug 21, 2026

Cleaning Services

What Insurance Do I Need For Commercial Cleaning?

Commercial cleaning insurance costs $565 to $820 a year. See cover limits, treatment risk endorsements and what corporate contracts require.

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Aug 21, 2026

Allied Health

Nurse Salary Australia 2026: Pay by Role, State & Experience

Discover nurse salaries in Australia for 2026. Compare RN pay rates from $63k/yr ($51/hr avg), public scales by state, penalties, and top-paying roles.

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Aug 20, 2026

Insurance Basics

Mechanic Insurance Cost Australia: From $180/Month (2026 Data)

Mechanic insurance costs $990 to $1,824 a year, or about $180 a month. Real upcover premium data for workshop and mobile mechanics, plus why mechanics pay more.

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Aug 20, 2026

Insurance Basics

How Much Does Public Liability Insurance Cost in Australia? August 2026 Data

Public liability insurance costs $370 to $840 a year, or $38 to $70 a month, for most Australian small businesses. Real data from 2,000+ policies.

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Aug 14, 2026

Insurance Basics

Is general liability the same as public liability in Australia?

"General liability" is used in Australia, but it's often called Public Liability or Public and Products Liability. See what to actually check.

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Aug 14, 2026

Insurance Basics

What is a claims history report in insurance?

A claims history report summarises your past insurance claims. See what it shows, why insurers ask for it, and how to get one fast.

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Aug 13, 2026

Insurance Basics

What is a letter of appointment (LOA) in Australia?

A letter of appointment lets you switch insurance brokers for your existing policies. See what changes, who signs it, and how to switch to upcover.

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Aug 13, 2026

Insurance Basics

What Is a Certificate of Currency? How to Get Yours Instantly

A certificate of currency proves your business insurance is active. See what it shows, what it doesn't, and get yours instantly with upcover.

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Aug 13, 2026

Tradies & Construction

Plumber Insurance Cost in Australia: Typically $111 a Month

Most plumbers on a monthly plan pay from $102 to $119 a month for public liability insurance, typically $111. See what affects plumber insurance cost.

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Aug 13, 2026

Tradies & Construction

How much does handyman insurance cost in Australia?

Public liability insurance for handymen starts from around $18 per month. Most handymen pay between $35 and $62 per month, based on upcover's own policy data.

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Aug 13, 2026

Tradies & Construction

How much does painter insurance cost in Australia?

Public liability insurance for Australian painters starts from $33/mo ($350/yr). Compare $5M to $20M cover limits and get an instant quote online.

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Aug 13, 2026

Tradies & Construction

How much does plasterer insurance cost in Australia?

Public liability insurance for plasterers starts from around $41 per month. Most plasterers pay between $47 and $90 per month, based on upcover's own policy data.

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Sep 29, 2026

Insurance Basics

How to Choose Professional Indemnity Insurance? 10 Steps Guide

A 10-step checklist for choosing professional indemnity insurance: claims made cover, retroactive dates, defence costs, exclusions and run-off.

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Sep 16, 2026

Business 101

How to protect intellectual property in Australia: 6 steps

How to protect intellectual property in Australia in 6 steps: confirm who owns it, check trade marks, register what fits and respond to copying.

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Aug 13, 2026

Insurance Basics

D&O insurance limits for Australian startups by stage

How much D&O insurance does your startup need? Explore typical limits from $1M for bootstrapped to $5M+ for Series A. Protect your board & get a fast quote.

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Aug 13, 2026

Insurance Basics

What is a letter of appointment (LOA) in Australia?

A letter of appointment lets you switch insurance brokers for your existing policies. See what changes, who signs it, and how to switch to upcover.

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Aug 13, 2026

Insurance Basics

What Is a Certificate of Currency? How to Get Yours Instantly

A certificate of currency proves your business insurance is active. See what it shows, what it doesn't, and get yours instantly with upcover.

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Aug 7, 2026

Insurance Basics

What insurance do crypto and Web3 businesses need in Australia?

Crypto insurance Australia: compare technology PI, cyber, crime and custody cover, digital asset exclusions, AUSTRAC, AFSL checks and costs.

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Aug 7, 2026

Insurance Basics

What insurance do hardware startups need in Australia?

Hardware startup insurance Australia: why PI won't cover your product, plus recall deadlines, prototype gaps, compliance and costs.

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Aug 7, 2026

Insurance Basics

Clean Tech Insurance Australia: What Cover Do You Need?

Clean tech insurance Australia: compare cover for solar, batteries, installation, advice and project risks, plus costs and exclusions.

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Aug 7, 2026

Insurance Basics

Healthtech Startup Insurance Australia: What Cover Do You Need?

Health tech insurance in Australia turns on one question: is your software a medical device? TGA classification, cover, exclusions and costs.

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Jul 28, 2026

Insurance Basics

Startup founder insurance: D&O for Australian founders

Startup founder insurance explained: personal director duties, what D&O may cover, common exclusions, D&O vs management liability, and when growing companies assess it.

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Jul 27, 2026

Business 101

When Does a Startup Need Insurance in Australia?

Learn when a startup should assess insurance in Australia, from first client work and data collection to hiring, premises, enterprise contracts and funding.

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Jul 19, 2026

Insurance Basics

Employment Practices Liability Claims Examples Australia

See EPL insurance claims examples for Australian businesses, including unfair dismissal, discrimination, harassment and bullying, plus what to do next.

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Oct 22, 2026

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

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

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

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

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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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.

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