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.

Read Full Article

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.

Read Full Article

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.

Read Full Article

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.

Read Full Article

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.

Read Full Article

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.

Read Full Article

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.

Read Full Article

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.

Read Full Article

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.

Read Full Article

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.

Read Full Article

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.

Read Full Article

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.

Read Full Article

Aug 13, 2026

Tradies & Construction

How much does bricklayer insurance cost in Australia?

Public liability insurance for Australian bricklayers starts from $35/mo ($432/yr). Compare $5M to $20M cover limits and get an instant quote online.

Read Full Article

Aug 13, 2026

Tradies & Construction

How much does landscaper insurance cost in Australia?

Public liability insurance for landscapers starts from around $46 per month. Most landscapers pay between $40 and $68 per month, based on upcover's own policy data.

Read Full Article

Aug 10, 2026

Insurance Basics

Do Tilers Need Public Liability Insurance?

Do tilers need insurance? What public liability insurance for tilers covers, tools cover, what it costs, and what it will not pay for.

Read Full Article

Aug 10, 2026

Insurance Basics

What business insurance do Reiki practitioners need in Australia?

Reiki practitioners are commonly offered combined liability, meaning professional indemnity and public liability in one policy, with products liability where they sell oils, crystals or other items.

Read Full Article

Aug 10, 2026

Insurance Basics

What business insurance do real estate agents and real estate agencies need in Australia?

Real estate agencies generally need professional indemnity and public liability, plus cyber, crime, employment practices and property cover.

Read Full Article

Aug 10, 2026

Insurance Basics

What business insurance do engineering consultants need in Australia?

Engineer insurance Australia: compare state registration and PI rules, contract risks, exclusions, costs and quote checks for engineering consultants.

Read Full Article

Aug 8, 2026

Insurance Basics

What insurance do accountants and bookkeepers need in Australia?

Accountant and bookkeeper insurance Australia: TPB professional indemnity rules, cover limits by turnover, excess caps, claims, exclusions and costs.

Read Full Article

Aug 8, 2026

Insurance Basics

What business insurance do speech therapists need in Australia?

Speech therapists insurance Australia: understand National Code, CPSP and NDIS rules, dysphagia and AAC risks, exclusions, costs and quote checks.

Read Full Article

Aug 8, 2026

Insurance Basics

What business insurance do occupational therapists need in Australia?

Most occupational therapists start with professional indemnity. The Occupational Therapy Board requires appropriate arrangements while you practise.

Read Full Article

Aug 8, 2026

Insurance Basics

What business insurance do physiotherapists and physiotherapy clinics need in Australia?

Physiotherapist insurance Australia: check AHPRA PI rules, treatment and clinic cover, NDIS requirements, exclusions, costs and quote information.

Read Full Article

Aug 7, 2026

Insurance Basics

What insurance do psychologists need in Australia?

Psychologist insurance Australia: see AHPRA requirements, cover options, common claims, exclusions, costs and what you need for a quote.

Read Full Article

Aug 7, 2026

Insurance Basics

Ecommerce Insurance Australia: Do You Really Need It?

Ecommerce insurance Australia: do small online sellers need it? What handmade, Etsy and Shopify shops should cover, what it costs, and what is not.

Read Full Article

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.

Read Full Article

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.

Read Full Article

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.

Read Full Article

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.

Read Full Article

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.

Read Full Article

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.

Read Full Article

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.

Read Full Article

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.

Read Full Article

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.

Read Full Article

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.

Read Full Article

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.

Read Full Article

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.

Read Full Article

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.

Read Full Article

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.

Read Full Article

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.

Read Full Article

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.

Read Full Article

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.

Read Full Article

No items found.

© 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.

Forging the Frontier in Industry News