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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Jul 20, 2026

Insurance Basics

What Insurance Do Investment Managers Need?

AFSL holders, fund managers and responsible entities may need investment manager indemnity insurance. See who should consider it and what triggers apply.

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Jul 20, 2026

Insurance Basics

What Is Investment Manager Indemnity Insurance in Australia?

Investment manager indemnity insurance may cover professional claims, directors, regulator inquiries and crime risks for Australian fund managers.

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Jul 20, 2026

Insurance Basics

Intellectual property insurance claims examples in Australia

See how IP insurance may respond to patent, trade mark, copyright and trade secret claims. Six realistic scenarios for Australian businesses.

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Jul 20, 2026

Insurance Basics

IP insurance vs Professional Indemnity insurance

Compare IP and Professional Indemnity insurance, including claim triggers, cover, exclusions and when an Australian business may consider both.

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Jul 20, 2026

Insurance Basics

What Is Intellectual Property Insurance?

IP insurance may cover legal costs and damages from patent, trademark and copyright claims. See who needs it, what it covers and how to arrange it.

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Jul 20, 2026

Insurance Basics

ISR Insurance vs Business Pack Insurance

ISR commonly uses broad all-risks property cover. Business pack combines selected sections for eligible SMEs. See which may suit your business.

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Jul 20, 2026

Insurance Basics

What does industrial special risks insurance cover?

ISR insurance may cover buildings, stock, plant, machinery and resulting business interruption. See common inclusions, exclusions, extensions and examples.

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Jul 20, 2026

Insurance Basics

What Is Industrial Special Risks Insurance In Australia?

ISR insurance is tailored commercial property cover for larger or complex businesses. What it covers, who may need it, how it works and cost drivers.

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Jul 20, 2026

Insurance Basics

Group personal accident vs workers compensation insurance

Group personal accident cover is voluntary and may extend beyond work hours. Workers comp is generally required and covers work injuries.

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Jul 20, 2026

Insurance Basics

How Much Does Farm Pack Insurance Cost?

Farm pack insurance may cost from around $1,500 to $20,000+ per year depending on farm type, location, assets and sections. See cost drivers.

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Jul 20, 2026

Insurance Basics

What Does Farm Pack Insurance Cover?

Farm pack insurance may cover farm buildings, machinery, fencing, liability, theft, transit and interruption. Inclusions, exclusions and what to check.

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Jul 20, 2026

Insurance Basics

What Is Farm Pack Insurance in Australia?

Farm pack insurance can combine selected property, machinery, liability and other rural covers in one policy. Who needs it, what it covers, cost drivers.

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May 13, 2026

Cyber Insurance

The AI Startup's Guide to Insurance: Common Mistakes and How to Avoid Them

5 insurance mistakes AI startups make and how to avoid them. Covers AI-specific risks, choosing the right policy, Australian regulations, and what insurance an AI business actually needs.

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May 13, 2026

Cyber Insurance

Cyber Insurance Claims in Australia: What Happens When Things Go Wrong?

A practical guide to cyber insurance claims in Australia. What to do when an incident happens, how the claims process works, common mistakes, and what cyber insurance may cover.

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May 12, 2026

Cyber Insurance

Cyber Insurance in Australia: 7 Trends Shaping 2026 for Businesses

The cyber insurance market in Australia is shifting fast in 2026. BEC claims to be overtaking ransomware, AI attack tools, supply chain risks, privacy reforms and what it means for your business.

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Mar 10, 2025

Cyber Insurance

Why Your Business Needs Cyber Security Insurance Today

Protect your business from cyber threats! Learn why cyber security insurance is essential to cover financial losses from data breaches and cyber attacks.

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Mar 30, 2023

Cyber Insurance

Best Guide to Building a Risk Register (Plus Examples & Template)

Don't let cyber attacks catch you off guard. Learn how to create a robust risk register with upcover's ultimate guide, including practical tips and a customizable template.

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Mar 16, 2023

Cyber Insurance

Cyber Insurance As A Risk Mitigation Strategy

Are you looking to mitigate the risks of a cyber attack on your business with cyber insurance? Can you use cyber insurance as a risk mitigation strategy?

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Mar 16, 2023

Business 101

upcover's second Finnies win!

We won the Best Workplace Diversity award at FinTech Australia Awards last night. The upcover team is 41 brilliant individ...

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Oct 5, 2022

Cyber Insurance

Cyber & Privacy Liability Insurance

upcover has worked with market leading insurance partners to launch Australia's first fully digital cyber security insurance offering for Aussie businesses.

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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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