Instant Cover for members of ISO Consulting Services

ISO Consulting Services 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
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 care & support workers 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 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.

We insure businesses up to 100 employees and $7.5M in turnover

COVER STARTS FROM
$280.00
per year
Instant Cover
Cancel Anytime
Acclaimed Claims Service
Market Leading Insurance
Instant Proof of Insurance
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events covered
Physical Injury

While feeding a patient, you accidentally give them more food than they can swallow, leading to choking and worsening of their mental trauma.

Trips, Slips and Falls

Your patient’s grandchild trips on some medical equipment and hurts their head while attending your patient's home leading the family to make a claim against you for injury.

Negligence

You’re working with a client and leave the door open while cleaning up. The patient, who has Alzheimers, wanders out on the street and goes missing. Their family members make a claim against you for PTSD as it is a number of days until the client is found.

Error of Judgement

You give more than the prescribed amount of medicine to keep the patient sedated and calm for the days you care for them, this is found to be more medicine than necessary putting the client in harm of overdosing. Their guardian makes a claim against you for breaching your duty of care.

Bad Professional Advice

You think it is a great idea to lock your client when they get agitated till they calm down. Their guardian finds this out and claims that you are not providing appropriate care.

Third Party Damage

You damage  a client’s adjustable bed and mattress by spilling your coffee on the electrics  while changing the sheets and cleaning the room for your patient.

cover for all situations

This disability support worker insurance covers

Providing 24 hour respite services anywhere across Australia
Assisting your client in and out of a parked car (no cover while driving)
Taking your clients out to walks, swims
Spectator to sporting matches
Attending or short stays at caravan parks or camping with clients
Taking your clients out to music concert, festival, or theme park
Travel by public transport subject to the terms and conditions of the policy

This insurance covers your support worker services:

Anywhere in Australia
Anywhere in the world (as long as the claim is made in Australia)
In temporary accommodation for 24 hour respite care
For remote work or services you provide to Australian clients from anywhere in the world.

What is not included:

Backpacking trips
Bungee jumping
Canyoneering
Caving
Hang gliding
Heli-hiking / heli-skiing
Horse riding and other equine related tours
Hunting
Ice climbing
Ice fishing
Motorcycle / ATVS
Hot air balloon rides
Four wheel driving
Quad biking
Mountain biking
Own vehicle in a foreign country
Skiing / snowboarding
Parasailing
Professional sports
Rock / top rope climbing / rappelling / zip line / via ferrata
Scuba diving
Stag and hen parties
White water activities (Class 3-5 water)
Racing
Helicopter activities
Working holiday (ranch, lodges for instance)
Polo playing
Trekking
Skiing (water and snow)
Snow mobile
Rodeos
BASE jumping
Boxing
Mountaineering
Snorkelling
White water rafting
Surfing
Kayaking
Abseiling
Parachuting
Paragliding
Cage diving paintball / skirmish by you or on your behalf
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exclusions

What is not covered (exclusions) under the disability support worker insurance policy?

Abuse

Abuse excludes cover for any insurance claim that might arise from actual or alleged verbal, physical, sexual abuse, molestation, assault, battery or violence.

Dishonest / wilful acts

Dishonest and/or wilful acts exclude cover for any insurance claim that might arise from dishonest, fraudulent or criminal acts.

Alcohol and Drugs

This excludes cover for any insurance claim that might arise from use of alcohol, illegal drugs, narcotics and intoxicants

*For all policy exclusions, please refer to the policy wording and general terms & conditions.
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 YOU READY?

Need a certificate of insurance?

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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

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.
ISO Consulting Services has referred you to upcover Pty Ltd (ABN 17 628 197 437). ISO Consulting Services 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, 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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