Guides
Plain-English guides to the cover that fits how you actually work. No jargon, no scare tactics.
If you are not sure what you need yet, begin with these three.
The honest answer most insurers won't give you up front: what actually drives the price, why there's no single number, and how every charge is itemised before you pay.
careless™
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.
careless™
What public liability, gear and cyber cover actually do for creators, when you need them, and what they cost. No jargon.
careless™What the law actually requires of you, and what it does not.
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.
careless™
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.
careless™What each cover does, what it leaves out, and when it earns its place.
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.
careless™
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.
careless™
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.
careless™
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.
careless™Gear, brand deals, accounts and audiences, for people who create for a living.
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.
careless™
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.
careless™
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.
careless™
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.
careless™Proving you are covered, and what happens the day you have to claim.
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.
careless™
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.
careless™