Indemnity & Liability Insurance for Talk to a Broker customers

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Unlocking Security for NDIS Support and Care

Providing NDIS support and care involves navigating through complex challenges, but with upcover, your business gains access to a tailored risk management solution.

Our global insurance partners offer your business:

Tailored Coverage: This coverage is crucial for protecting your business against liabilities if someone is injured on your premises or while you are providing care services
Professional Protection: Safeguard your business against claims made during the provision of professional care services, covering errors or omissions that could lead to legal challenges
Third Party Property Damage Coverage: Offers protection against claims related to products sold or supplied by your nursing or care business to a third party
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Why choose upcover for NDIS Support and Care Risk Solutions

Legal & Compliance Risks

Their problem

Support and Care business faced a challenge when a procedural error during service provision led to a lawsuit. This incident brought to light the vulnerabilities in operational protocols and the necessity for comprehensive legal safeguards.

upcover's solution

Indemnity & Liability Insurance provides coverage for all related legal costs and expenses, including up to four contract reviews per year and one hour of complimentary legal advice annually through our insurance partners.

Defamation

Their problem

Support and Care business encountered an online claim that affected public perception and trust, potentially impacting client relationships and business operations.

upcover's solution

upcover protects against defamation and reputational harm, ensuring that the business can maintain its integrity and continue its operations undisturbed.

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Securing Tradespeople Businesses

upcover delivers tailored insurance solutions specifically for tradespeople, providing robust protection that supports a variety of trade services from electrical work to plumbing.

Our global insurance partners offer your business:

Comprehensive Trade Coverage: Offers protection against third-party injuries or property damage that may occur on job sites, crucial for tradespeople who face unpredictable accident risks daily
Integrated Products Liability: This coverage is essential for safeguarding against claims related to products used or installed during trade services, such as faulty building materials or malfunctioning installations
Liability Coverage for Third-Party Incidents: Ensures coverage for accidents that might occur during work, such as a client tripping over equipment or a malfunctioning installed product damaging client property
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Why choose upcover for Tradespeople Risk Solutions

On-Site Accident Risks

Their problem

A tradesperson installs an electrical fixture that shorts and causes considerable damage to a client's home appliances, resulting in high replacement and repair costs.

upcover's solution

upcover provides coverage for the costs associated with legal defense and potential settlements, protecting the tradesperson from extensive out-of-pocket expenses.

Third Party Injuries

Their problem

A client accidentally trips over tools and equipment left unsecured on the job site, sustaining significant injuries.

upcover's solution

upcover provides coverage for injuries incurred during accident, ensuring quick and efficient handling of claims.

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Comprehensive Insurance for Cleaners

upcover offers a tailored insurance package for cleaners that encompasses a range of protections designed specifically for cleaning businesses and contractors, ensuring coverage for both everyday risks and specific incidents.

Our global insurance partners offer your business:

Public and Products Liability: Provides foundational coverage for claims of bodily injury or property damage caused by your cleaning services or products
Vicarious Liability Coverage: Protects against liabilities that arise from the actions of your employees, agents, or contractors while they perform services under your business's name
Care, Custody, and Control: Addresses claims for damage to property or vehicles in your possession during the course of your work, where the damage does not arise directly from your cleaning services
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Why choose upcover for Cleaning Risk Solutions

Trips, Slips and Falls

Their problem

While cleaning a client's home, the soap used on the bathroom floor creates a slippery residue. The client returns, slips on the tiled surface, and sustains an injury by hitting their head on the sink.

upcover's solution

upcover provides coverage for the costs associated with legal defense and potential settlements, safeguarding your business from significant financial liabilities.

Property Damage

Their problem

In the process of sweeping an office, your staff accidentally disconnects a power board under a desk. This leads to all computers shutting down abruptly, resulting in the loss of valuable files.

upcover's solution

upcover provides coverage for such property damage claims, even when the direct cleaning activity isn't the cause, ensuring compensation for the affected party and legal protection for your business.

COVERAGE BY INDUSTRY

Protection for Hospitality Businesses

upcover crafts distinct insurance policies tailored specifically for the unique needs of the hospitality industry. This specialised coverage ensures comprehensive protection against a broad range of operational risks.

Our global insurance partners offer your business:

Comprehensive Risk Protection: Ensures coverage for a variety of incidents that could occur during operations, including guest injuries or damage caused by service-related activities
Property Damage Protection: Offers coverage against claims of injuries or property damage occurring on the premises, a common risk in high-traffic hospitality settings
E&O Protection: Protects against claims related to employee actions, such as accidents or errors that occur during the course of their duties within your establishment
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Why choose upcover for Hospitality Risk Solutions

Trips, Slips and Falls

Their problem

A customer at a restaurant accidentally slips on a wet floor, resulting in an injury and leading to a legal claim against the business.

upcover's solution

upcover covers such incidents, ensuring that the business can address the claim and continue operations without significant financial distress.

Property Damage

Their problem

An employee accidentally damages a patron’s personal belongings, like a laptop left on a dining table.

upcover's solution

upcover provides coverage for such property damage claims, ensuring compensation for the affected party and legal protection for your business.

COVERAGE BY INDUSTRY

Specialised Insurance for Allied Health

upcover offers tailored insurance solutions for over 300 types of allied health professionals, from fitness instructors to yoga practitioners, providing comprehensive coverage that addresses both general and specific risks.

Our global insurance partners offer your business:

Liability Protection: Ensures protection for allied health professionals from liabilities arising from injuries sustained by clients either on their premises or during service delivery
E&O Protection: Protects against legal claims that may arise from errors or omissions during the provision of professional health services
Property Damage Coverage: Provides coverage for any claims due to injuries or damages caused by products sold or supplied by the allied health professionals
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Why choose upcover for Allied Health Risk Solutions

Bad Advice

Their problem

During a consultation, an incorrect health advice by a nutritionist leads to a client's health complication.

upcover's solution

upcover provides coverage for the costs associated with legal defense and potential settlements, safeguarding the professional's reputation and financial security.

Third Party Injuries

Their problem

A fitness trainer sells a workout supplement that causes an allergic reaction in a client.

upcover's solution

upcover provides coverage for injuries incurred during accident, ensuring quick and efficient handling of claims.

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Protecting Professional Services

upcover provides specialised insurance solutions for consultants and accountants, tailored to meet the challenges of professional advisory roles and financial services. The coverage offers extensive protection for risks commonly encountered in these fields.

Our global insurance partners offer your business:

Professional Advice Liability Coverage: Ensures protection against legal claims arising from alleged errors, omissions, or negligence in the professional advice provided by consultants and accountants
Statutory Liability Coverage: Covers potential financial losses due to claims by official bodies for statutory wrongful acts committed during the policy period
IP and Confidentiality Coverage: Specifically designed to address risks involving breaches of confidentiality and IP rights, crucial for maintaining client trust and compliance
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Why choose upcover for Professional Services Risk Solutions

Negligence

Their problem

A consultant’s strategic project for a client overruns timelines and fails to meet business objectives, leading to the client alleging professional negligence.

upcover's solution

upcover covers the consultant against claims of failing to deliver contracted services as expected, handling legal disputes and covering associated costs.

Statutory Compliance

Their problem

An accountant faces accusations of statutory violations from a regulatory body due to alleged improper handling of financial records.

upcover's solution

upcover provides financial protection and support during investigations, helping to resolve claims without disrupting business operations.

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What coverage can I get as a client of Talk to a Broker through upcover?

upcover offers tailored coverages to hundreds of business types of all sizes, freelancers, tradies and other professionals . You can find available the most demanded coverages that might suit your needs and protect your activity from different sides:
Professional Indemnity, Public & Product Liability, Cyber & Privacy Liability Insurance and Management Liability Insurance.

These policies are suitable for different business structures such as companies, sole traders, associations and partnerships, either if you are working with an organisation or having your own practice. The policy can cover either if working full time, part time or as contractors.
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Professional Indemnity

Most professionals required professional indemnity to protect them consequences of giving incorrect professional advice or consulting services to clients

General Liability

Protects you and your business against any liability if someone is injured on your premises or while you are providing your services

Cyber & Privacy Liability

Protects your activity from cyber incident response costs, cyber extortion and ransom payment, cyber crime & more

Director & Officers

Protects executive directors, non-executive directors, Company Secretary or employees involved in the management of the organisation

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FAQs

Commonly asked questions

Why is Professional Indemnity insurance important?

The Professional Indemnity cover we offer is tailored specifically to meet the unique needs of a services based business. This coverage is designed to safeguard your business against the financial impacts of potential claims arising from allegations of professional negligence or misconduct. This could relate to instances where advice or services you have provided lead to a loss for a client, and they decide to take legal action against your business.

Whether it's a matter of giving incorrect advice, breaching a professional duty,  responding to an investigation or an allegation of defamation, the professional indemnity policy provides protection, handling the legal costs and any required settlements or compensation you might need to pay. This cover allows businesses to operate with confidence, knowing they have protection in place, should they face such challenging situations.

What is the Public & Products Liability insurance that upcover offers?

The Public & Products Liability Insurance we offer is designed to protect businesses from the unique challenges they face. It provides coverage for any legal liability incurred as a result of third-party injuries or property damage arising from your business operations or from the products your activity sells or supplies. This means, if someone were to get injured using your product, or if there's an accident at your premises leading to property damage or personal injury, this policy would cover the associated legal and compensation costs. This cover is essential for businesses, providing financial protection and peace of mind, allowing you to focus on growing your business.

What is Cyber & Privacy Liability insurance that upcover offers?

The Cyber & Privacy Liability Insurance we offer is tailored specifically to support businesses in an increasingly digital business landscape. This policy protects against financial losses resulting from cyber incidents such as data breaches, cybercrime, cyber extortion, and more. It also covers expenses related to data and application restoration after a cyber incident. In the event of a security failure causing business interruption, this policy provides coverage for the losses incurred. Given the prevalence of cyber threats and the potentially significant impact they can have on businesses, this cover offers critical protection for your business in the digital age.

What is the Director & Officers insurance that upcover offers?

The Directors & Officers Insurance we offer is designed to safeguard the business and their leadership teams. This policy provides coverage for claims made against directors, officers, and managers of your business. It also extends to protect your company and its subsidiaries against liability claims. Furthermore, this policy includes cover for Employment Practices Liability, which guards your company against claims made by prospective, current, or past employees. With additional features such as Tax Audit Cover and Comprehensive Crime Cover, this insurance product is specifically designed to provide a robust shield against a range of potential legal and financial threats that could impact your business. By offering protection for your key personnel and business, this policy ensures the business can continue their operations with confidence.

Who is upcover?

upcover is an insurtech that works with the oldest insurance markets and global leaders in insurance innovation. All insurance products are underwritten by ProRisk. Our aim at upcover is to make it super easy for small businesses to buy insurance and be well-informed about their choices.
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