# Upcover > Insurance built for growing businesses. Upcover is an Australian digital-first insurance brokerage helping 60,000+ businesses get covered online across 4,000+ industries. Get an instant quote in minutes, not days. ## About Upcover Upcover is Australia's only digital-first commercial insurance broking company, founded in 2019 and headquartered in Sydney. It is a 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 — it does not underwrite insurance itself. Upcover works with 40+ underwriters to provide instant quotes across 4,000+ business types. 1 in 3 businesses that quote with Upcover take out a policy. Upcover is listed in CB Insights' Insurtech 50 and Gallagher's Global InsurTech Report. - [Upcover Homepage](https://www.upcover.com/): Insurance built for growing businesses. Instant quotes across 1,000+ industries covering Professional Indemnity, Public Liability, Cyber and more. Trusted by 60,000+ businesses. - [About Upcover](https://www.upcover.com/about-us) - [How It Works](https://www.upcover.com/how-it-works) - [Partners](https://www.upcover.com/partners) - [Insurance for Small Businesses & Sole Traders](https://www.upcover.com/business-sole-traders): Upcover makes business insurance simple for small businesses and sole traders. AI platform matches businesses with the right cover instantly. - [Insurance for Scaling Tech Companies](https://www.upcover.com/tech-startups-enterprises): Business insurance built for scaling tech companies. Upcover's AI platform matches you with the right cover fast. - [Commercial Motor Fleet Insurance](https://www.upcover.com/motor-fleet): Market leading motor fleet insurance for Australian businesses. Upcover's fleet team matches you with the right cover to keep your operations moving. - [Specialist Insurance Broking](https://www.upcover.com/speciality-page): Expert risk advice with access to 80+ insurers and one platform for policies, renewals, claims and billing. A smarter alternative to traditional brokers. ## Insurance Products - [Public & Products Liability](https://www.upcover.com/products/public-products-liability-insurance): Cover for third party injury, property damage and product liability claims. - [Professional Indemnity](https://www.upcover.com/products/professional-indemnity-insurance): Covers claims if your advice or work causes loss, plus legal defence costs. - [Cyber Insurance](https://www.upcover.com/products/cyber-insurance): Covers hacking, phishing, extortion, data theft, crisis management and recovery. - [Management Liability](https://www.upcover.com/products/management-liability-insurance): Covers directors and business from employment disputes, investigations and fines. - [Directors & Officers](https://www.upcover.com/products/directors-and-officers-insurance): Protects company leaders from claims and legal costs if decisions are challenged. - [Business Pack](https://www.upcover.com/products/business-pack-insurance): Bundles property, contents, theft, business interruption and public liability in one policy. - [Workers Compensation](https://www.upcover.com/products/workers-compensation-insurance): Workplace injury cover for your team, designed for state-specific rules. - [IT Liability](https://www.upcover.com/products/tech-professional-indemnity-insurance): For tech businesses facing claims from mistakes, breaches or outages. - [Allied Health](https://www.upcover.com/products/allied-health-professionals-insurance): For disability workers, beauticians, fitness practitioners and 300+ wellness occupations. - [Medical Malpractice](https://www.upcover.com/products/medical-malpractice-insurance): Covers legal defence and patient injury claims linked to the care you provide. - [Commercial Motor Fleet](https://www.upcover.com/products/commercial-motor-and-fleet-insurance): Covers work vehicles including cars, utes, vans and trucks for Australian businesses. - [Tools of Trade](https://www.upcover.com/products/tools-of-trade-insurance): Covers tools and work gear against theft, fire and accidental damage. - [Tax Audit](https://www.upcover.com/products/tax-audit-insurance): Covers accountant and tax agent fees if the ATO audits your business. - [Employment Practices Liability](https://www.upcover.com/products/employment-practices-liability-insurance): Covers unfair dismissal, discrimination, harassment and bullying claims. - [Crime Insurance](https://www.upcover.com/products/crime-insurance): Covers losses from employee theft, fraud and scam payments. - [Corporate Travel](https://www.upcover.com/products/corporate-travel-insurance): Covers medical emergencies, delays, luggage and travel risks for business trips. - [Group & Personal Accident & Sickness](https://www.upcover.com/products/group-personal-accident-sickness-insurance): Income protection after injury or sickness for businesses and workers. - [Environmental Liability](https://www.upcover.com/products/environmental-liability-insurance): Covers pollution risks, environmental damage and third party claims. - [Intellectual Property](https://www.upcover.com/products/intellectual-property-insurance): Covers legal costs if accused of infringing a patent, trademark or copyright. - [Investment Management](https://www.upcover.com/products/investment-manager-indemnity-insurance): For investment professionals managing funds, advice and regulatory risk. - [Industrial Special Risks](https://www.upcover.com/products/industrial-special-risks-insurance): Commercial property insurance for larger or complex sites with $5m+ asset value. - [Marine Cargo](https://www.upcover.com/products/marine-cargo-insurance): Covers goods in transit by road, sea or air across Australia and beyond. - [Mobile Plant & Equipment](https://www.upcover.com/products/mobile-plant-and-equipments-insurance): Covers excavators, loaders and skid steers against theft and damage. - [Farm Pack](https://www.upcover.com/products/farm-pack-insurance): Bundles farm property, machinery, fences, liability and downtime cover. - [Warranty & Indemnity](https://www.upcover.com/products/warranty-and-indemnity-insurance): Safety net for buyers and sellers if a deal warranty is breached post-completion. ## Industries We Serve - [Trades & Construction](https://www.upcover.com/industries/trades-construction): Insurance for tradies and construction businesses covering worksites and job risks across Australia. - [Technology, Media & Digital](https://www.upcover.com/industries/technology-media-digital): Insurance for tech startups, media and digital businesses delivering software, content or online services. - [Consulting Services](https://www.upcover.com/industries/consulting-services): Professional indemnity and liability cover for consultants when advice is questioned. - [Financial Services](https://www.upcover.com/industries/financial-services): Cover for client claims, advice errors and cyber incidents for financial professionals. - [Health, Therapy & Wellness](https://www.upcover.com/industries/health-therapy-wellness): Insurance for therapists and wellness professionals covering client and business risks. - [Care Support Businesses](https://www.upcover.com/industries/care-support-businesses): Insurance for NDIS and support workers covering clients and public liability. - [Professional & Business Services](https://www.upcover.com/industries/professional-business-services): Cover for consultants, agencies, freelancers and coaches providing professional services. - [Legal Services](https://www.upcover.com/industries/legal-services): Professional indemnity insurance protecting advice, fees and reputation for legal professionals. - [Real Estate](https://www.upcover.com/industries/real-estate): Insurance for real estate agents and agencies covering sales, leasing and management. - [Food & Beverage Businesses](https://www.upcover.com/industries/food-beverage-businesses): Cover for restaurants, food trucks and drink businesses across Australia. - [Hospitality](https://www.upcover.com/industries/hospitality): Insurance for accommodation and travel businesses covering guests, property and daily risks. - [Education](https://www.upcover.com/industries/education): Insurance for education providers covering accidents, complaints and claims. - [Transport & Logistics](https://www.upcover.com/industries/transport-logistics): Insurance for transport and logistics businesses moving goods across Australia. - [Retail & Consumer Goods](https://www.upcover.com/industries/retail-consumer-goods): Cover for customer incidents, stock damage, theft and income loss for retail businesses. - [Beauty Businesses](https://www.upcover.com/industries/beauty-businesses): Cover for client injuries, treatment reactions and property damage at salons. - [Sports & Fitness Professionals](https://www.upcover.com/industries/sports-fitness-professionals): Cover for personal trainers, instructors and coaches for sessions and client injuries. - [Agriculture, Manufacturing & Industrial](https://www.upcover.com/industries/agriculture-manufacturing-industrial-businesses): Insurance for machinery, stock and accidents in agriculture and manufacturing. - [Cleaning Businesses](https://www.upcover.com/industries/cleaning-businesses): Cover for property damage, public injury and tools for cleaning businesses. - [Gardening & Landscaping](https://www.upcover.com/industries/gardening-landscaping-businesses): Cover for on-site risks for gardening and landscaping businesses. - [Pet Care Businesses](https://www.upcover.com/industries/pet-care-businesses): Cover for accidents, bites and damage for dog walkers and groomers. - [Crafters & Makers](https://www.upcover.com/industries/crafters-makers): Public and products liability cover for stalls, studios and online orders. - [Auto Services](https://www.upcover.com/industries/auto-services): Insurance for mechanics and repair shops covering day-to-day business risks. ## Businesses We Cover - [Accountants & Bookkeepers](https://www.upcover.com/business/accountants-and-bookkeepers): Professional cover for accountants and bookkeepers managing client finances and advice. - [Aged Care Support Workers](https://www.upcover.com/business/aged-care-support-worker): Insurance for aged care providers and nursing facilities delivering day-to-day care to older Australians. - [Air Conditioning & HVAC](https://www.upcover.com/business/air-conditioning-hvac): Cover for on-site damage, third party injury claims and stolen tools. - [Architects](https://www.upcover.com/business/architects): Cover for design risks, client claims and project disputes. - [Artificial Intelligence Businesses](https://www.upcover.com/business/artificial-intelligence): Coverage for AI errors, data risks and liability claims when technology impacts customers. - [Bakeries & Patisseries](https://www.upcover.com/business/bakery-patisserie): Cover for bakeries producing and selling baked goods to the public. - [Bars & Pubs](https://www.upcover.com/business/bars-and-pubs): Insurance for busy venues serving food and drinks night after night. - [Beauty Therapists & Salons](https://www.upcover.com/business/beauty-therapists-and-beauty-salons): Insurance for beauty therapists and salon owners on every treatment. - [Bed & Breakfast and Holiday Cabins](https://www.upcover.com/business/bed-breakfast-and-holiday-cabins): Cover for guest injuries, property damage and lost income. - [Bricklayers](https://www.upcover.com/business/bricklayers): Cover for worksite incidents, property damage and tool theft. - [Business Coaches & Mentors](https://www.upcover.com/business/business-coaches-mentors): Cover for client disputes and advice-related claims. - [Carpenters](https://www.upcover.com/business/carpenter): Cover for injuries, property damage and tool loss. - [Carpet & Upholstery Cleaners](https://www.upcover.com/business/carpet-upholstery-cleaners): Cover for spills, stains and accidental damage. - [Childcare & Early Education](https://www.upcover.com/business/childcare-early-education): Insurance for childcare centres and educators caring for children. - [CleanTech](https://www.upcover.com/business/clean-tech): Cover for CleanTech projects, technology risks and liability as your business grows. - [Commercial Cleaners](https://www.upcover.com/business/commercial-cleaning): Cover for slip incidents, property damage and claims on client sites. - [Concreters](https://www.upcover.com/business/concreters): Cover for site accidents, third party property damage and claims. - [Construction Businesses](https://www.upcover.com/business/construction): Cover for site accidents, property damage and public claims. - [Cosmetic Tattoo Artists](https://www.upcover.com/business/cosmetic-tattoo): Insurance for cosmetic tattooing and treatment services. - [Counsellors](https://www.upcover.com/business/counsellors): Insurance for counsellors providing mental health support and professional advice. - [Courier Fleet](https://www.upcover.com/business/courier-fleet): Cover for delivery vehicles and driver incidents. - [Crypto, Web3 & Blockchain](https://www.upcover.com/business/blockchain-and-crypto): Cover for digital assets, client claims and cyber risks. - [Dietitians](https://www.upcover.com/business/dietitians): Insurance for dietitians providing nutrition advice and dietary guidance. - [Disability Support & Care](https://www.upcover.com/business/disability-support-care): Insurance for disability support workers providing day-to-day care to clients. - [Domestic Cleaners](https://www.upcover.com/business/domestic-cleaners): Cover for accidents, property damage and liability while cleaning homes. - [Ecommerce Businesses](https://www.upcover.com/business/e-commerce): Cover for online sales risks, customer claims and product issues. - [Electricians](https://www.upcover.com/business/electricians): Public liability insurance for third party injuries and property damage. - [Electricians in Queensland](https://www.upcover.com/business/electricians-queensland): Cover for Queensland electrical contractors carrying out installation and repair work. - [Engineers](https://www.upcover.com/business/engineers): Cover for design errors, client claims and project disputes. - [Enterprise Software & SaaS](https://www.upcover.com/business/enterprise-software-saas): Cover for software errors, data incidents and client claims. - [Eyebrow Shaping Services](https://www.upcover.com/business/eyebrow-shaping-services): Insurance for brow specialists and cosmetic beauty technicians. - [Fintech](https://www.upcover.com/business/fintech): Cover for data breaches, professional errors and regulatory risks. - [Florists & Flower Shops](https://www.upcover.com/business/florists-flower-shops): Insurance for florists covering shop, stock, tools and liability. - [Funds Managers & Investment Managers](https://www.upcover.com/business/funds-managers): Cover for fund managers and investment professionals. - [General Contractors](https://www.upcover.com/business/general-contractors): Contractor insurance for injuries, property damage and tools. - [Gift Stores & Gift Shops](https://www.upcover.com/business/gift-stores-gift-shops): Insurance for stores managing customers, stock and daily risks. - [Hairdressers & Barbers](https://www.upcover.com/business/hairdressers-barbers): Cover for client injuries, treatment claims and salon incidents. - [Handyman](https://www.upcover.com/business/handyman): Cover for property damage, injury claims and tools. - [HealthTech](https://www.upcover.com/business/health-tech): Cover for digital health risks, patient data and advice errors. - [Hedge Funds & Private Equity](https://www.upcover.com/business/hedge-funds-private-equity): Cover for hedge funds and investment managers in complex markets. - [Hotels & Motels](https://www.upcover.com/business/hotels-motels): Insurance for property, guests and day-to-day operations. - [House Cleaners & Maid Services](https://www.upcover.com/business/house-cleaners-maid-services): Cover for property damage, client injuries and cleaning accidents. - [IT & Software Development Professionals](https://www.upcover.com/business/it-software-development-professionals): Insurance for client claims, cyber incidents and downtime. - [Janitorial & Office Cleaners](https://www.upcover.com/business/janitorial-office-cleaners): Tailored cover for safety, trust and peace of mind in cleaning businesses. - [Landscapers](https://www.upcover.com/business/landscapers): Public liability plus tools cover for landscaping work. - [Lawn Care & Garden Maintenance](https://www.upcover.com/business/lawn-care-garden-maintenance): Cover for mowing, planting and paving with liability and tools options. - [Lawyers](https://www.upcover.com/business/lawyers): Protection for lawyer liability and legal costs when claims arise. - [Light Commercial Vehicles](https://www.upcover.com/business/light-commercial-vehicles): Commercial motor insurance for vans, utes and light fleets. - [Makeup Artists](https://www.upcover.com/business/makeup-artists): Cover for client injuries, skin reactions and accidental damage. - [Managed IT Service Providers](https://www.upcover.com/business/managed-it-service-providers): Cover for client claims, cyber incidents and service errors. - [Management Consultants](https://www.upcover.com/business/management-consultants): Cover for advice-related claims and client disputes. - [Manufacturing & Fabrication](https://www.upcover.com/business/manufacturing-fabrication): Insurance for workshops, fabricators and makers. - [Market Stalls](https://www.upcover.com/business/market-stall): Public liability and products liability for market stalls and pop-up shops. - [Marketing & Advertising Agencies](https://www.upcover.com/business/marketing-advertising-agencies): Insurance for client work, projects and day-to-day agency operations. - [Massage Therapists](https://www.upcover.com/business/massage-therapist): Cover for hands-on bodywork where client injury or complaints may arise. - [Mechanics](https://www.upcover.com/business/mechanic): Cover for customer injuries, vehicle damage and workshop risks. - [Mobile Mechanics](https://www.upcover.com/business/mobile-mechanic): Cover for on-site repairs, vehicle damage and injury claims. - [Mortgage Brokers](https://www.upcover.com/business/mortgage-brokers): Insurance for advice, client paperwork and day-to-day broking work. - [Naturopaths](https://www.upcover.com/business/naturopath): Insurance for natural health consultations and treatment plans. - [Nurses](https://www.upcover.com/business/nurse): Insurance for nurses delivering clinical care and patient support. - [Nutritionists](https://www.upcover.com/business/nutritionists): Insurance for dietary advice and nutrition guidance services. - [Occupational Therapists](https://www.upcover.com/business/occupational-therapists): Insurance for assessments, intervention plans and functional support. - [Online Marketplaces](https://www.upcover.com/business/online-marketplaces): Cover for platforms connecting people to rent, resell or share goods. - [Osteopaths](https://www.upcover.com/business/osteopath): Insurance for manual treatment, assessment and clinical care. - [Own Goods Fleet](https://www.upcover.com/business/own-goods-fleet): Insurance for businesses moving stock and materials between sites daily. - [Painters](https://www.upcover.com/business/painters): Cover for painting work if damage or injury happens on the job. - [Personal Trainers](https://www.upcover.com/business/personal-trainers): Insurance for one-on-one and group training sessions. - [Physiotherapists](https://www.upcover.com/business/physiotherapist): Insurance for clinical assessment, rehabilitation and physical treatment. - [Pilates Trainers](https://www.upcover.com/business/pilates-trainers): Insurance for Pilates instructors delivering mat and reformer sessions. - [Plasterers](https://www.upcover.com/business/plasterers): Public liability for accidental injury or property damage. - [Plumbers](https://www.upcover.com/business/plumbers): Public liability for third party injuries and property damage. - [Plumbers in Victoria](https://www.upcover.com/business/plumbers-victoria): Plumbing insurance Victoria for leaks, water damage and on-site claims. - [Psychologists](https://www.upcover.com/business/psychologist): Insurance for psychological assessment, therapy and mental health care. - [Real Estate Agents](https://www.upcover.com/business/real-estate-agents): Insurance for property viewings, client advice and daily operations. - [Reiki Practitioners](https://www.upcover.com/business/reiki-practitioners): Insurance for energy healers offering complementary therapy sessions. - [Restaurants & Cafes](https://www.upcover.com/business/restaurants-cafes): Public liability, products liability and asset protection for cafes and restaurants. - [Roofers](https://www.upcover.com/business/roofers): Cover if a roofing accident causes injury or damage to someone else. - [Short Term Rental Fleet](https://www.upcover.com/business/short-term-rental-fleet): Fleet insurance for short term hire and rental vehicles. - [Social Workers](https://www.upcover.com/business/social-workers): Insurance for assessment, advocacy and support services. - [Solar & Renewable Energy](https://www.upcover.com/business/solar-renewable-energy-businesses): Insurance for solar installers and renewable energy contractors. - [Speech Pathologists](https://www.upcover.com/business/speech-pathologists): Insurance for assessment, therapy and communication support. - [Sports Coaches](https://www.upcover.com/business/sports-coach): Insurance for training, instruction and supervision across sports. - [Support Workers](https://www.upcover.com/business/support-worker): Insurance for day-to-day assistance, care and supervision of clients. - [Therapy Businesses](https://www.upcover.com/business/therapy-business): Insurance for allied health and mental health therapy practices. - [Tilers](https://www.upcover.com/business/tilers): Public liability for third-party injury and property damage from tiling work. - [Tree Trimmers](https://www.upcover.com/business/tree-trimmers): Cover for pruning and felling jobs causing third party injury or damage. - [Trucking & Haulage](https://www.upcover.com/business/trucking-haulage): Insurance for transporting goods by road across Australia. - [Venture Capital & Family Offices](https://www.upcover.com/business/venture-capitals): Cover for VC and family office managers providing portfolio management services. - [Warehouse & Storage Services](https://www.upcover.com/business/warehouse-and-storage-services): Insurance for businesses storing and handling goods in warehouses. - [Window Cleaners](https://www.upcover.com/business/window-cleaners): Cover for property damage and liability claims while cleaning on site. - [Yoga Teachers](https://www.upcover.com/business/yoga-teachers): Insurance for yoga instruction across individual and group sessions. ## Notes Upcover arranges insurance and does not underwrite it. All cover is subject to the terms, conditions, limits and exclusions of the relevant policy and Product Disclosure Statement. Information provided is general advice only.