A staff inbox is compromised and the attacker emails your clients from it. Investigating, restoring and notifying them runs to £11,000.
Covered by Cyber
Insurance for professional services.
What one bad week at the firm can cost.
The risks that come with client work, and the cover that pays when they land.
A client arriving for a meeting slips on a wet entrance floor and injures a knee. The claim settles at £13,000.
Covered by Public Liability
A former employee takes you to a tribunal over their dismissal. Defending it costs £9,000 in legal fees.
Covered by Legal Expenses
Illustrative examples. Cover depends on the package and limits you choose.
Three steps. No long phone calls.
Getting covered shouldn't be a project. Start to finish, it's all online.
- 1.
Get your price
A few quick questions and your quote's on screen.
- 2.
Buy and you're covered
Pay online and your cover goes live straight away.
- 3.
Manage it all in one place
Documents, claims and renewals, one simple dashboard.
Backed by
The insurers and partners behind your cover.
Cover that fits client work.
Most professional firms carry more risk in their inbox than in their office. The cover should follow that.
Client data is the asset and the exposure
Contracts, financials, personal details and passwords all sit on your systems. Cyber pays for the response when an account is breached, including recovery and notifying the people affected.
Clients come to you, and you go to them
Public Liability answers the injury or damage claim, at your office or on a client's premises. Employers' Liability is required by law as soon as you take someone on.
Disputes cost time before they cost money
An unpaid invoice, a contract row, an employment claim. Legal Expenses pays the professional fees and puts a legal advice line on the end of the phone.
The policies that matter most
The core modules for your trade. Tap through for what each one does.
Get instant insurance- CyberA data breach, ransomware or account takeover — incident response, recovery and liability.
- Public LiabilityClaims from third parties — clients, the public, anyone who isn't your employee — for injury or property damage linked to your business.
- Business ContentsYour business equipment, stock and contents — loss, theft, damage.
- Legal ExpensesLegal costs and expert advice when a dispute hits — employment claims, tax investigations, contract and debt recovery — plus a 24/7 legal advice line.
- Professional IndemnityClaims that your advice, designs or work caused a client financial loss.Coming Soon
Professional Indemnity is launching soon and cannot be bought yet. It answers claims that your advice or work cost a client money. Every other cover here you can buy today.
Who this covers.
Firms whose work is advice and expertise. If yours isn't here, search for it when you start a quote.
Management consultants
Strategy, operations, change and growth advice for clients.
Accountants and tax advisers
Bookkeeping, payroll, tax returns and year end accounts.
Training providers and business coaches
Workshops, courses and one to one coaching for businesses and people.
Lawyers and legal services
Legal advice and services for businesses and individuals.
Investors, VC and private equity firms
Investing in businesses and managing funds for investors.
Financial advisers
Advising clients on investments, pensions and financial planning.
Mortgage and insurance brokers
Arranging mortgages and insurance for clients.
Property investors
Buying, holding and letting property as an investment.
Architects and surveyors
Designing buildings and surveying property for clients.
Office recruitment agencies
Placing office, clerical and secretarial staff with employers.
HR and employment consultancies
HR advice, policies and people support for employers.
Translators
Written translation and interpreting for businesses and individuals.
Management consultants
Strategy, operations, change and growth advice for clients.
Accountants and tax advisers
Bookkeeping, payroll, tax returns and year end accounts.
Training providers and business coaches
Workshops, courses and one to one coaching for businesses and people.
Lawyers and legal services
Legal advice and services for businesses and individuals.
Investors, VC and private equity firms
Investing in businesses and managing funds for investors.
Financial advisers
Advising clients on investments, pensions and financial planning.
Mortgage and insurance brokers
Arranging mortgages and insurance for clients.
Property investors
Buying, holding and letting property as an investment.
Architects and surveyors
Designing buildings and surveying property for clients.
Office recruitment agencies
Placing office, clerical and secretarial staff with employers.
HR and employment consultancies
HR advice, policies and people support for employers.
Translators
Written translation and interpreting for businesses and individuals.
More than a policy
A dispute or a tax enquiry tends to land when you've least got time for it. Add Legal Expenses and you've got experts on the phone, and if you ever do need to claim, we get your notification straight to the specialist team appointed to handle it, and they take it from there, so a bad day doesn't derail the business.
Legal cover when disputes hit
- Employment & tribunal disputes
- HMRC tax & VAT enquiries
- Contract & debt recovery
- Crisis communications & PR
Experts on the phone
- 24/7 legal advice line
- Tax & VAT advice, weekday hours
- Confidential counselling, 24/7
Questions, answered.
Cyber for client data, Business Contents for the office, Public Liability for visitors and client sites, and Legal Expenses for disputes, with Employers' Liability once you employ anyone. Professional Indemnity is launching soon.
Not yet. That is Professional Indemnity, which careless™ cannot quote today. Public Liability covers injury and damage to property, not financial loss from advice, so check any client contract that asks for Professional Indemnity before you sign it.
No. Solicitors must hold professional indemnity from an approved insurer, and careless™ does not provide it. We can cover the rest of the practice: the office, liability, cyber and legal expenses.
Not today. Directors' and officers' liability isn't part of what careless™ sells. Investors and fund managers can still cover their office, data, liability and disputes here.
For most professional firms it takes a few minutes: answer the questions, see the price and buy online. Your documents arrive by email once you've paid.
Your cover is arranged with Kovrilo, a UK MGA backed by Mission.
Yes. We're an Appointed Representative of Stubben Edge (Risk) Limited, regulated by the Financial Conduct Authority (FRN 943286).