The Risk Management Platform for Growing Businesses

Replace the traditional broker experience with a smarter way to understand, place and manage business insurance.

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Why upcoverOS

Insurance still runs on
forms, PDFs, inboxes and guesswork.

upcoverOS connects fragmented insurance workflows so businesses get covered faster, risks are placed smarter, and partners can distribute insurance seamlessly.

Traditional Broker

Information gets scattered across long forms, email threads, policy PDFs, insurer portals, spreadsheets and broker notes.

Repeated data collection at every renewal
Collects forms by email
Manual submissions and insurer follow-up
Low visibility after the policy is purchased
Handles claims reactively
Waits for insurer questions

upcover

Business context becomes reusable insurance data for faster quoting, cover management, and renewals.

Start with your current risk profile
Uses digital application and reusable data
Identifies cyber and privacy issues early
Centralises policies, documents and certificates
Supports claims notification and tracking
Manages risk as the business changes
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Digital platform

More Than Insurance,
Risk Management Technology

Policy Management

Manage every policy in a single platform. Always know what is active, what is expiring, what it costs and where your documents live.

Risk Scans

Monitor your cyber risk, spot security gaps early and take action before a cyber incident happens.

Certificate of Insurance

Download and share your Certificate of Insurance and policy documents whenever you need them.

Claims Tracking

Submit a claim, track its progress and get support from our team every step of the way.

Billing and Payments

View payment history, manage billing details, update your card and keep payments on track.

Business Changes / support

Update business details, tell us what’s changed and get help keeping your policy up to date.

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upcover difference

upcover is trusted by business owners and
insurers alike

40k+

Insurance Partners

10k+

Policies Financed

70k+

Businesses

4.9/5

Customer Rating

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Built for every stage

Small businesses, scaling companies and
technology teams

The page can reuse upcover's core customer pathways while giving each audience a platform-specific story.

Small Businesses
Mid Market
Technology
Partners

Fast, guided cover for small businesses

upcoverOS helps small businesses understand what cover may be relevant, move through eligible quote journeys faster, and manage insurance without unnecessary back-and-forth.

  • Guided quote intake
  • Relevant cover suggestions
  • Plain-English explanations
  • Certificates and policy documents
  • Renewal reminders
  • Expert support when needed

Smarter cover management for growing teams

upcoverOS helps growing businesses manage more complex insurance needs without relying on scattered email threads. Keep policies, renewals, documents and changes moving in one place.

  • Centralised policy management
  • Clear cover summaries
  • Renewal tracking and reminders
  • Certificates and policy documents
  • Business change updates
  • Less back-and-forth by email

Cover built for fast-moving technology businesses

upcoverOS helps technology companies understand their cover, monitor cyber risk, and manage key insurance tasks without slow email chains getting in the way.

  • Cyber risk visibility
  • Guided cover recommendations
  • Clear policy summaries
  • Certificates and documents
  • Renewal reminders
  • Less back-and-forth by email

A simpler way to support your customers

upcoverOS helps partners deliver a smoother insurance experience, replacing manual email follow-ups with guided journeys, clear information and faster access to support.

  • Guided digital customer journeys
  • Relevant cover suggestions
  • Plain-English explanations
  • Easy document access
  • Renewal and policy support
  • Less manual email follow-up
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Platform map

One platform across the
insurance lifecycle

From first quote to renewal, upcoverOS connects the work that usually lives across forms, inboxes, policy documents, insurer portals and broker workflows.

.01

Understand

Capture business activity, industry, contracts, revenue, locations and risk signals.

.04

Place

Help brokers package risk, approach markets and compare proposals.

.02

Recommend

Match businesses to relevant cover based on risk, stage and business type.

.05

Manage

Organise policies, certificates, billing, endorsements and claims.

.03

Quote

Guide eligible businesses through faster digital quote journeys.

.06

Renew

Reuse updated data for renewal reviews, gap checks and remarketing.

AI + Experts

Expert advisors. Smarter workflows.
Better risk decisions.

upcoverOS prepares

Captures data, summarises documents, structures risk profiles and identifies missing information.

Automated checks validate

Flags inconsistencies, gaps, renewal changes and service requests that need attention.

upcover experts advise

Licensed brokers review recommendations, manage complex placement and help customers compare options.

External Risk Scan

Find the risk before the
insurer does.

upcover can run external attack-surface and privacy scans before placement to identify vulnerabilities, data leaks, exposed services, and other security risks that may impact appetite, pricing, or coverage.

Our partners

Our Partners

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Support

Tailored to your industry

Give us, or our insurance partner, a call or drop us a line at anytime. Our teams will endeavour to answer all enquires within 24 hours on business days

Hello@upcover.com

General Enquires

Reply within 24hrs
Support@upcover.com

Cancelling your Policy

Reply within 24hrs
Complaints@upcover.com

Making a compalint

Reply within 24hrs

See what your broker may
be missing.

Send us your current policies and renewal pack. We'll show you what is covered, what is exposed, what can be improved and how we would take your risk to market differently.

Talk to an expert
upload your policies
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PHONE

Speak with our specialist, Mon-Fri from 9am-8pm.

1300 872 683   
mail
EMAIL US

Get help with your quote. We'll reply within 24hrs.

support@upcover.com
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CHAT ONLINE

Chat with our specialist, Mon-Sat from 9am-9pm.

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CLAIMS

Make a Claim

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RESOURCES

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OTHER LINKS

Code of Practice

Financial Service Guide

Complaints Handling Policy

Modern Slavery Statement

Financial & Domestic Abuse Policy

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Translation & Interpretation Services

© 2026 upcover Pty Ltd ABN 17 628 197 437, 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. upcover does not compare all general insurers or insurance products available in the market.

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.