Businesses & Sole traders
Tech Startups & Enterprises

Insurance for Startups, Freelancers & Small Businesses

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Trusted by 60,000+ small business types

Insurance Built for Growing Businesses

Fast cover for small businesses. Specialist support for complex needs.
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4.9/5 Rating

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Trusted by 60,000+ small businesses

A Customer Obsessed Team

Powered by technology

A Smarter Way to Get Covered

Simple upfront. Expert-led as you scale.

AI enabled Digital Platform

Built to scale with your business

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Our Platform

Business Insurance & Risk Placement, Powered by AI

upcover makes business insurance simple. Our AI-powered platform matches businesses with the right cover, streamlines placement, and enables partners to seamlessly embed and distribute insurance without outdated processes or long forms.

Online SME Insurance

Digital insurance for sole traders and small businesses. Apply online, get covered fast and manage it all paper-free.

AI-enabled Broking

Risk placement and underwriter matching for complex businesses. Specialist-led, AI-enabled and built for scale.

Digital Motor & Fleet Insurance

From single vehicles to large commercial fleets, manage coverage, adjustments and claims handling, all digitally.

1-Click Insurance Financing

Pay monthly instead of upfront, without entering into a separate credit agreement. Cancel anytime without hidden fees.

Partner APIs & Storefronts

Platforms, lenders & marketplaces embed upcover via co-branded or API to sell insurance direct to customers.

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Who we are

Unhappy with your Business Insurance? So are we.

upcover helps small businesses and tech startups get the right insurance, without the jargon or the back-and-forth.
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Get an instant quote online or talk to a specialist and we’ll line up the right policy for you.

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upcover is trusted by business owners and insurers alike

60,000+

Businesses

4.9/5

Customer Rating

40+

Insurance Partners

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Businesses Covered

Choose from over 1,000+ business types

Business & Sole Traders
Business & Sole Traders
Tech Startups & Enterprises
Motor & Fleet Insurance

Support Worker

Beauty & Salons

Makeup Artists

Cleaners

Handyman

Hairdressers & Barbers

Restaurants & Cafes

Management Consultants

Therapy Business

Accountants and Bookeepers

Cosmetic Tattoo

Electricians

Hotels & Motels

Plumbers

Real Estate & Mortgage Broking

Engineers & Architects

Mechanics & Auto Repair Shops

Landscaping & Gardening

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Enterprise Software & SaaS

Artificial Intelligence

IT & Software Development Professionals

Crypto, Web3 & Blockchain

VC & Funds Manager

FinTech

CleanTech

HealthTech

Hardware & Robotics

MSPs & MSSP

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Light Commercial Vehicles

Courier Fleet

Trucking & Haulage

Short term rental fleet

Own goods fleet

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Products

Product Coverages

Choose the type of coverage that best fits your needs and get started with confidence

Allied Health Professional

Covers claims arising from treatment and professional errors

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Public & Products Liability

Covers third-party claims from injury or property damage

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Professional Indemnity

Covers claims arising from professional services & errors

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Cyber Insurance

Covers claims arising from cyber events or breaches

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Tech Professional Indemnity

Covers claims from IT errors and service failures

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Business Pack

Can include glass, business interruption, theft, contents.

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Management Liability (D&O)

Covers claims arising from management decisions & workplace issues

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Commercial Motor and Fleet Insurance

Covers damage and liability for your business vehicles

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Why upcover

Why our Customers Love us

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Benefits

Benefits of Choosing upcover

Get quotes in minutes, adjust your cover as your business evolves, and lean on expert support to help you make confident insurance decisions.

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Our Partners

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Our Partners

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Insights

From our Blog

Coverage, risk management and compliance, explained in plain English.

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What Risks Are Involved In Owning A Business?

Are you thinking of starting your own business but don't know what risks are involved? This article will break down some risk business owners may face.

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Understanding Different Types of Business Insurance in Australia

Learn about the various types of business liability insurance in Australia, including general liability, public liability, professional liability, and management liability.

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Small Business Insurance 101

Trying to get your head around small business insurance? This article will give you a crash course across the main types of insurance for small business.

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We’re on a mission to become a top-5 insurance distributor within the next decade, challenging legacy incumbents by providing a unique opportunity for forward-thinking agents. 

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Speak with our specialist, everyday from 9am - 9pm.

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CHAT ONLINE

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INDUSTRY

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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.