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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Oct 8, 2026

Insurance Basics

How to Buy Small Business Insurance Online in Australia

Check easy steps to buy business insurance in Australia: what a quote asks for, how long it takes, how to compare quotes like for like, paying monthly and cancelling.

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Oct 8, 2026

Health & Wellness

Professional indemnity insurance for personal trainers

Professional indemnity insurance for personal trainers is designed to cover claims about your advice. See how it works alongside public liability.

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Oct 8, 2026

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 8, 2026

Business 101

How to protect your small business reputation in Australia

Practical steps to protect your small business reputation: ask for genuine reviews, handle negative and fake reviews and lock down your accounts.

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Oct 8, 2026

Tradies & Construction

Does a carpenter need a builder's licence in Australia?

Does a carpenter need a builder's licence? Check each state and territory's rule and threshold, what counts as carpentry and the rules for subcontractors.

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Oct 6, 2026

Business 101

How to create a small business disaster recovery plan in 7 steps

How to create a small business disaster recovery plan in 7 steps: rank your risks, set recovery priorities, test your backups and use our template.

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Sep 29, 2026

Business 101

What insurance does a food truck need in Australia?

What insurance does a food truck need? Public and products liability, motor and staff cover explained, plus the limits councils and event organisers set.

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Sep 29, 2026

Tradies & Construction

What insurance do tradies need in Australia?

What insurance do tradesperson need? Public liability, tools, ute, income and workers' comp explained, plus what your licence or contract may require.

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Sep 29, 2026

Tradies & Construction

Subcontractor Insurance Australia: What Cover Do You Need?

What insurance does a subcontractor need? Public liability, tools, income and workers' comp explained, and whether the head contractor's policy covers you.

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Sep 29, 2026

Insurance Basics

What insurance does a cosmetic tattoo artist need in Australia?

What insurance cosmetic tattoo artists need in Australia, why a beauty therapy policy may exclude microblading and lip blush, and what to check before you treat clients.

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Sep 29, 2026

Beauty & Personal Care

How much does cosmetic tattoo insurance cost in Australia?

Cosmetic tattoo insurance arranged through upcover is from $330 a year for $1m professional indemnity and $10m public and products liability.

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Sep 29, 2026

Insurance Basics

What insurance does an architect need in Australia?

Many architects arrange professional indemnity insurance alongside public liability insurance, which is designed to cover injury to a person or damage to their property.

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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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