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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Sep 29, 2026

Insurance Basics

Is professional indemnity insurance mandatory for architects in Australia?

Professional indemnity insurance is mandatory for practising architects in six states and territories. See what each board requires and the minimums.

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Sep 29, 2026

Insurance Basics

How much does bakery insurance cost in Australia?

How much does bakery insurance cost? Public and products liability for bakeries that sell products made elsewhere is from $360 a year for a $10m limit.

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Sep 29, 2026

Insurance Basics

What insurance does a bakery need in Australia?

What insurance does a bakery need? The covers bakeries commonly arrange, what affects the cost of bakery insurance and how product recall works.

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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 23, 2026

Allied Health

Professional indemnity insurance for allied health therapists: what it is designed to cover

What professional indemnity insurance is designed to cover for therapists, plus what practitioners across ten therapy modalities paid for combined cover.

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Sep 22, 2026

Insurance Basics

How much does professional indemnity insurance cost in Australia?

Professional indemnity insurance costs $764 to $2,092 a year for most Australian businesses. Real prices from 270+ policies, by industry.

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Sep 11, 2026

Tradies & Construction

11 Marketing Tips for Carpenters: How to Get More Work

11 carpentry marketing tips to grow your business: Google, reviews, referrals, project photos, online advertising, etc. Plus how to set a budget.

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Sep 10, 2026

Tradies & Construction

How Much Does a Carpentry Business Owner Make in Australia?

A qualified carpenter earns $80,000 to $95,000 per year as an employee. Self-employed subcontractors charge $55 to $130 per hour but net significantly less after costs.

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Sep 2, 2026

Insurance Basics

How much does workers compensation insurance cost in Australia?

Workers compensation insurance costs most employers around 1% to 2% of wages. See 2026-27 state rates, per-employee examples and how to estimate yours.

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Sep 1, 2026

Tradies & Construction

Public Liability Insurance for Sole Traders: 2026 Australia Cost Guide

Sole traders have no separate business entity, so personal assets may be exposed to a claim. What public liability costs by occupation, and the legal rules.

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Sep 1, 2026

Beauty & Personal Care

Beautician public liability insurance: cost, cover and claims

Beauty therapists pay $362 to $405 a year and salons around $377. Cosmetic tattoo lifts it to $512, skin needling to $908. Real upcover policy data.

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Sep 1, 2026

Cleaning Services

Public Liability Insurance for Cleaners: From $24/Month (2026)

Public liability insurance for cleaners from $24/month, with most paying $38 to $70. Real upcover premium data, cover levels and claim examples.

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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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