Instant business insurance for Complementary Medicines Australia

CM Australia has partnered with upcover to help you find simple, affordable and quality startup 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
WHY UPCOVER

Instant Insurance Cover

Acclaimed Claims Service

Market Leading Insurance

Cancel Anytime Insurance

100% Online Process

Instant Proof of Insurance

PROTECTS you for

How does this insurance protect your business from cyber crime?

Business outage

A cyber attack that locks you out of your system causes your business to shut down for a period of 3 months until it's resolved.

Ransom payment

Your system is hijacked and they hold your data ransom, threatening to delete it if you don't pay.

Incident response

Your data is breached resulting in information of 1,000's of customers being leaked, damaging your clients' reputations.

exclusions

What is not covered (exclusions) under upcover's cyber & privacy liability insurance policy?

Anti-competitive behaviour

Any actual or alleged antitrust violation, restraint of trade, unfair competition, false, deceptive or unfair trade practices, violation of consumer protection laws or false or deceptive advertising.

Intellectual property

Theft, infringement, violation, misappropriation (including loss of potential future sales) or loss of or the reduction in economic or market value of any of your intellectual property rights, assets or data including, but not limited to, patent, copyright, trademark, registered design and trade secret.

Property damage

Any actual or alleged damage to or loss of use of any tangible property including the cost of repairing any hardware or replacing any tangible property or equipment that forms part of, or is used in connection with, your computer system.

*For all policy exclusions, please refer to the policy wording and general terms & conditions.
Why upcover

Why choose upcover for cyber & privacy liability insurance?

upcover’s got your back with cyber & privacy liability cover!

At upcover, we understand the trauma of going through a legal proceeding or investigation. The cyber & 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
$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
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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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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

Is cyber & privacy liability insurance mandatory?

Cyber insurance is not a requirement for Australian businesses, but it should be considered for any business owner who wants to protect their operations and customers. Small businesses are the target of 43% of cyber crime, with 33% going unprotected. One cyber attack could potentially have your business out of operation for a period of time, or worse, for good.

Am I eligible for the cyber & privacy liability insurance?

The cyber & privacy liability insurance policy is suitable for organisations with:
- Up to $3.5m turnover
- Up to 100 employees
Please read the policy wording for more information.

What limits are available?

The cyber & privacy liability insurance policy offers limits from $200,000 up to $5,000,000.

Who needs cyber & privacy liability insurance? 


Any business that operates online should consider cyber & privacy liability insurance. This may include businesses who have a website, who process online payments, or those who store data (such as customer or business data) online.

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.
Complementary Medicines Australia has referred you to upcover Pty Ltd (ABN 17 628 197 437). Complementary Medicines Australia 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 Cyber & Privacy 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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