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General FAQs

Employment terms in commercial insurance.

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General FAQs

Can sole traders bundle multiple policies together?

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Often, yes. Some insurers offer combined options (like a business pack) that can include public liability, property, theft, business interruption, and more.

Do sole traders need personal accident and sickness insurance?

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Sole traders don’t usually have sick leave. Personal accident and sickness cover is designed to help if you can’t work due to illness or injury.

Do sole traders need tools and equipment insurance?

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If you rely on tools, a laptop, phone, camera, or specialist gear to earn income, tools and equipment insurance can be useful.

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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.