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Legal

Clear explanations of legal obligations in insurance.

Terms  

Costs

The expenses of investigating and defending claims.

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Duty of Disclosure

The obligation to reveal all material facts that could influence the insurer's decision to provide coverage or set terms

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Duty of Utmost Good Faith

The legal obligation for both parties to act honestly and fairly in their dealings under the insurance contract

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Legal Defence Costs

The expenses incurred for legal costs inclurred to defend or investigate a claim.

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Notification Obligations

Obligation to promptly notify the insurer (and sometimes regulators) when of any claim, incident or potential liability that could trigger coverage under the policy.

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Subrogation

The insurer’s right to recover for monies paid to an insured, from a third party responsible for the loss.

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We are digitising commercial insurance and risk management for small, mid-market and technology businesses. We work with a global network of underwriters, challenging legacy brokers and delivering market leading coverage to our customers.

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© 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.