Instant Cover for members of GoTradie

GoTradie has partnered with upcover to help you find simple, affordable and quality business insurance.
FEATURED IN
"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
What it covers

What is covered under public & products liability insurance?

Public Liability

Public liability insurance protects you and your business against any liability if someone is injured on your premises or while you are providing your services in Australia.

Products Liability

Products Liability insurance protects you for claims made against your business for any products sold or supplied by you to a third party. This might be a claim arising from a faulty product that injured someone else.

Vicarious Liability

Vicarious liability insurance covers you for any conduct of your agents, contractors or employees in the performances of your services.

Care, Custody & Control

Care, custody & control pays for property damage that might occur to premises or third party parked vehicles while you occupy premises and where the loss or damage did not occur through the performance of your work.

Complimentary Legal Advice

This provides 1 hour of complimentary legal advice to you each year from our insurance partner's panel of solicitors, for any matter which is notified to us and may become a claim.

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WHY UPCOVER

Instant Insurance Cover

Acclaimed Claims Service

Market Leading Insurance

Cancel Anytime Insurance

100% Online Process

Instant Proof of Insurance

what it means

Protecting contractors, sole traders and small businesses across Australia

Specifically designed to meet the needs of the broad range of professionals within the trades & construction sector. upcover offers market-leading tailored insurance cover for those who may be required by their contracts with clients to take out public and products liability insurance.

With limits of up to $20m Public & Products Liability, plus reinstatements, this cover is perfect for all types of contractors across the trades & services space.

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Why upcover

Why choose upcover for public & products liability insurance?

upcover’s got your back with public & products liability cover!

At upcover we understand the trauma of going through a complaint, responding to a legal proceeding or investigation. The public & products liability 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
$1,086.00
per year
Instant Cover
Cancel Anytime
Acclaimed Claims Service
Market Leading Insurance
Instant Proof of Insurance
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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
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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

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WHY its important

Why is liability insurance important for trades professionals?

Mistakes can prove to be costly if you're a small business or contractor in the trades industry. This can be devastating - damaging your reputation, affecting your cash flow, and putting your business at financial risk.

You may be a construction contractor renovating your clients housing or a plumber helping them fix their bathroom fittings, or even a landscaper providing gardening and landscaping services - allegations of third party property damage, injuries to others and poor judgement on your side can derail everything you've worked for and have potentially devastating financial consequences.

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 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 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.
GoTradie has referred you to upcover Pty Ltd (ABN 17 628 197 437). GoTradie 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.
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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.

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