Business guide
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How much does business insurance cost in the UK?
The honest answer most insurers won't give you up front: what actually drives the price, why there's no single number, and the only fee we charge.
careless™Guides
Business insurance, explained
Plain-English guides to the cover that fits how you actually work. No jargon, no scare tactics.
Business guideEmployers' liability insurance: when it's legally required (and when it isn't)
The one business cover the law actually forces on you. Who counts as an employee, the £10m vs £5m limit, the daily fines for trading uninsured, and the narrow exceptions worth checking.
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Business guideInfluencer insurance UK: a plain-English guide to protecting your brand
Your audience and your name are the real asset, not just the gear. The in-person, account and reputation risks that matter for influencers, and the cover that answers them.
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Business guideAll Risks vs Business Contents: which equipment cover do you need?
The deciding question is where your equipment is. Equipment that travels needs All Risks, equipment that stays put needs Business Contents, and plenty of businesses need both.
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Business guideCyber insurance for small businesses: what it actually covers
What cyber insurance actually pays for: recovering your systems, the income lost while you're down, claims from people whose data was exposed, and a 24/7 helpline when it all kicks off at once.
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Business guideDo you need insurance for brand deals and sponsored content?
The brand-deal risk picture in plain English: products liability when you endorse, the indemnity clauses hiding in the contract, and the honest professional indemnity gap.
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Business guideBusiness legal expenses insurance: the cover people forget
Liability cover gets the attention, but a legal dispute is one of the most likely and most draining things a small business faces. What legal expenses cover funds, and the ARAG helpline behind it.
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Business guideProfessional indemnity insurance: do you need it?
What professional indemnity actually covers, who really needs it, and how it differs from public liability. Plus an honest note: careless™ doesn't offer PI yet.
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Business guideThe new limited company insurance checklist
What insurance a new UK limited company actually needs, mapped to the milestones that trigger it: incorporating, winning a client, your first hire, buying gear, going online.
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Business guideWhat to do when a client asks for proof of insurance
A client or venue just asked for a certificate of insurance. What it really means, how to read the contract clause, how to send it, and what to do if the limit they want is higher than yours.
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Business guideHow a business insurance claim actually works
What to do in the first hours when something goes wrong, what to have ready, what happens after you notify, and how liability claims differ from loss and damage claims.
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Business guideTalent and management agency insurance, explained
What cover a talent or management agency actually needs: liability for your team and your clients, cyber for the data you hold, and what it costs.
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Business guideDo you need public liability insurance? A plain guide for the self-employed
The honest 'not legally required, but…' answer for sole traders, when clients and venues demand it, how much cover you need, and what it costs.
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Business guideCamera gear insurance: how cover works when your equipment travels
All Risks vs business contents, cover on location and abroad, theft and replacement value, and what it costs to insure the gear that pays your bills.
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Business guideContent creator insurance in the UK: what cover do you actually need?
What public liability, gear and cyber cover actually do for creators, when you need them, and what they cost. No jargon.
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