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INSTANT BUSINESS INSURANCE FOR AUSTRALIAN STARTUPS

Antler has partnered with upcover to help you get simple, affordable and quality
startup business insurance.


FEATURED IN

Types of cover


ARE YOU A A STARTUP LOOKING FOR CYBER, PI OR D&O INSURANCE?

upcover is all about small business and startup insurance. Select from the type
of insurance you are looking for and get covered in minutes

CYBER & PRIVACY LIABILITY INSURANCE

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

See Product Details

PROFESSIONAL INDEMNITY

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

See Product Details

DIRECTOR & OFFICERS INSURANCE

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

Coming soon
WHAT IT COVERS


WHAT IS COVERED UNDER CYBER & PRIVACY LIABILITY INSURANCE?

CYBER INCIDENT RESPONSE

Protects you and your business from any financial loss as a result of a cyber
incident.


CYBER EXTORTION

Reimburses you for a ransom payment made as a direct result of a cyber
extortion.


DATA AND APPLICATION RESTORATION COSTS

Payment of any restoration costs incurred as a direct result of a cyber
incident.


CYBER CRIME

Provides you indemnity for any direct financial loss as a result of a cyber
crime committed by a third party.


BUSINESS INTERRUPTION

Provides you indemnity for any business interruption losses incurred due to
outage from a security failure.


GET INSTANT QUOTE
"Very easy to use, gave me a price in seconds. I liked that I did not have to
answer too many questions to get a price. First time business owner and I'd
highly recommend them."
Jamie SMITH
"Completing the application and the transaction was fast and painless. The
pricing was competitive and I got a deal too!"
Heather Miller
"I've tried many insurance companies for my business and they all asked me for
long forms to be filled to get a price. upcover was able to get me a price for
my business insurance in seconds."
Andrew Collins




WHY UPCOVER

INSTANT INSURANCE COVER

ACCLAIMED CLAIMS SERVICE

MARKET LEADING INSURANCE

CANCEL ANYTIME INSURANCE

100% ONLINE PROCESS

INSTANT PROOF OF INSURANCE

Why upcover


WHY CHOOSE UPCOVER FOR PUBLIC & PRODUCTS LIABILITY OR ALLIED HEALTH
PROFESSIONALS INSURANCE?

UPCOVER’S GOT YOUR BACK WITH BUSINESS COVER!

At upcover we understand the trauma of going through a complaint, responding to
a legal proceeding or investigation. The public & products liability insurance
and allied health professionals insurance aims at working as a safety net to
minimise your out-of-pocket expenses, in paying legal bills, responding to or
even settling a dispute - so you don’t have to lose focus on running your
business, or part with your hard-earned savings.

COVER STARTS FROM
$760.00
per year
Instant Cover
Cancel Anytime
Acclaimed Claims Service
Market Leading Insurance

Instant Proof of Insurance
GET INSTANT QUOTE
cover for all situations


THIS SPORTS TRAINER INSURANCE COVERS

Coaching for after-school programs
Coaching for holiday programs
Training routines
Contact sports training
One-on-one coaching
Non-contact sports training
Coaching through sports clubs
Competitions and matches played through clubs, leagues, federations and
associations


THIS INSURANCE COVERS YOUR COACHING AND TRAINING SERVICES:

During school holidays
Outside of competition rosters
No limit on the number of hours you train and coach
GET INSTANT QUOTE
PROTECTS you Against


HOW DOES THIS INSURANCE PROTECT SPORTS COACHES?

upcover offers insurance that blends professional indemnity and public and
product liability insurance, offering you tailored insurance solutions for
sports coaches at affordable prices.


PROFESSIONAL INDEMNITY INSURANCE FOR REHABILITATION COUNSELLORS (LIMITS UP TO
$10M)

Professional indemnity protects you from claims made against your coaching and
training business in the course of you providing your professional services.


NEGLIGENCE

A young player collapses while playing netball. You’re the coach but do not
administer proper first aid and CPR leading to serious health complications for
the player and added stress to the family.  



BAD PROFESSIONAL ADVICE

A player was injured severely during a football league match for an A grade high
school team. You suspected concussion, and knew this had occurred a number of
times throughout the season, however each time you did not alert this or ensure
the player left the field to properly recover and be medically assessed. This
led to the parents claiming sustained short term memory loss, and difficulty
learning in their final year exams.


ERROR OF JUDGMENT

You’re a football coach and conduct a game in a carpark rather than on the
regular soccer field due to rain. A player ends up breaking their ankle from
slipping over some oil. You can be sued for not playing the game at an
appropriate and safe place.


PUBLIC & PRODUCTS LIABILITY INSURANCE FOR SPORTS COACHES (LIMITS UP TO $20M)

Public liability insurance protects your coaching and training business against
liability if someone gets injured on your premises or while you are providing
your services.
Products liability insurance is for claims made against your coaching and
training business for products supplied or sold by you to a third party. This
might be a claim arising from a sports product or a product that injured
someone.


PHYSICAL INJURIES

A child gets injured while training for next season’s football season under your
supervision. Turns out you were conducting the session without handing out the
proper gear.


TRIP, SLIPS & FALLS

A player slips over a football that had not been cleared in the football field
after a session, and fractures their ankle.


THIRD PARTY DAMAGE

In a particularly wet season, your top team has missed three training sessions
in a row. So that your players can continue to practice for the upcoming season,
you arrange a new location for the group to train in a covered area. This was
close to a residential area and led one student to damage an Audi that was
parked nearby

ARE YOUR READY?


NEED A CERTIFICATE OF INSURANCE?

Get covered and share your certificate of insurance in minutes

GET INSTANT QUOTE

support


MAKE A CLAIM

Had an adverse incident and want to make a claim to an award winning claims
team? You can submit a claim online at any time.
Start by clicking on the link below.

Make a claim


CONTACT US

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

General Enquiries
hello@upcover.com
For questions relating to our product offering, information handling, policy
coverage or anything else, please reach out here.
Cancelling your policy
support@upcover.com
You can cancel your policy at any time. Simply email us and tell us your
business name, reason for cancelling, and we'll do the rest for you.
Making a compliant
COMPLAINTs@upcover.com
If you're unhappy with the service you've received by us or our insurance
partner and wish to make a complaint, email us here.
If you want to reach out to the issuer of your policy, you can email ProRisk
directly on enquiries@prorisk.com.au

FAQs


COMMONLY ASKED BY OUR CUSTOMERS

WHAT IS THE PUBLIC & PRODUCTS LIABILITY INSURANCE THAT UPCOVER OFFERS?


This insurance is the tailored insurance cover that upcover offers to trades
professionals. Trades professionals includes those engaged in the construction
industry i.e. electricians, plumbers, carpenters etc.; those operating cleaning
businesses i.e. office and janitorial services, garbage cleaning, pest control
etc.; as well contractors in the landscaping industry.

This insurance covers more than 140+ trades occupations with market-leading
insurance coverage at competitive prices, we are ensuring that you can get the
cover you need in minutes from trusted A-rated insurers. Get a quote here.

WHAT IS THE ALLIED HEALTH PROFESSIONALS INSURANCE THAT UPCOVER OFFERS?


This insurance is the tailored insurance cover that upcover offers to allied
health professionals. Allied health professionals include sports trainers,
personal trainers, beauty therapists, nurses, yoga teachers, massage therapists,
disability support workers, social workers etc. but not dentists, chiropractors
or doctors.

This insurance covers more than 300+ allied health occupations with
market-leading insurance coverage at competitive prices, we are ensuring that
you can get the cover you need in minutes from trusted A-rated insurers. Get a
quote here.

WHAT IS PUBLIC AND PRODUCTS LIABILITY INSURANCE?


Public and Product Liability insurance protects you and your business in case
your clients or any other third party sustains an injury and/or causes property
damage during the course of your work. Business owners have a duty of care for
any third party they interact with as part of their business activities.

By having an adequate level of cover, Public Liability insurance can help you
avoid the stress of defending any claim yourself or paying any expensive legal
fees so you can resume your business’ day-to-day operations without any hiccups.

WHAT IS PROFESSIONAL INDEMNITY INSURANCE?


Professional Indemnity insurance is designed to protect you and your business
from mistakes and breaches that can occur from the provision of your business’
professional services. For example, while working on a project with a client,
you make a mistake that results in the client taking legal action against you.

Professional Indemnity insurance can cover your legal costs, as well as any
settlements you may need to pay when the unthinkable happens.

WHAT DO I NEED TO DO TO GET A QUOTE?


At upcover, we believe in simplicity. Just tell us your occupation, and your
revenue and you'll get a price for the insurance in a matter of seconds. You’ll
only need to answer a few more questions and you'll be able to buy a policy in
minutes - not days or weeks or months!

WHO IS UPCOVER'S INSURANCE PARTNER?


upcover offers insurance products backed by Professional Risk Underwriting Pty
Ltd (ProRisk), Australia’s Underwriting Agency of the Year in 2020.

WHAT IS A CERTIFICATE OF CURRENCY?


A Certificate of Currency is issued by an insurance company and is something you
can use as proof that your existing insurance policy is valid. It contains all
the information regarding your policy. You may be asked from time to time to
prove your insurance - for loans to your business, for landlords of your
premises, or for certain clients you might have. The moment you purchase your
insurance from upcover you can send your proof of insurance to whoever requires
it, at just a click of a button.

HOW CAN I MAKE A CLAIM?


You can make a claim by filling up this online form here.

Just answer a few simple questions and submit your claims form in minutes.
Cake has referred you to upcover Pty Ltd (ABN 17 628 197 437). I Am Insured may
earn a commission from upcover when you purchase a business insurance policy as
a result of this referral.

upcover Pty Ltd ABN 17 628 197 437 (“upcover”) is a Corporate Authorised
Distributor and has entered into an arrangement with Armada Underwriting Pty Ltd
ABN 84 000 989 131 AFSL 237402 (“Armada”). upcover markets insurance products
and services on behalf of Armada. Cover is subject to the terms, conditions,
limits and exclusions of the Policy. All insurance is underwritten by
Professional Risk Underwriting Pty Ltd  ABN 80 103 953 073 AFSL 308076
(“ProRisk”) under an authority to bind cover on behalf of Swiss Re International
SE, Australia Branch ABN 38 138 873 211 (“Swiss Re”). Armada, ProRisk and
upcover and their employees act as agents of Swiss Re and not as your agent.
Neither ProRisk, Armada or upcover act on your behalf when distributing the
insurance products and services and any advice provided is general advice only
and does not consider your objectives, financial situation or needs.

Information provided is general advice only and has been prepared without taking
into account any person's particular objectives, financial situation or needs.
Read the relevant Product Disclosure Statement or Policy Document available at
upcover  and consider whether it's appropriate before making any decisions about
whether to buy a product.
‍
Consider the Policy Wording For Allied Health Professionals Insurance Policy,
Policy Wording For The Public & Products Liability Insurance Policy, General
Terms & Conditions and the Financial Services Guide to decide if an insurance
product offered by upcover is right for you.

© Copyright 2019 - 2022 upcover Pty Ltd ABN 17 628 197 437